Sunday, August 31, 2014

Send a “Pain Letter” to Get Noticed by a Hiring Manager

Send a “Pain Letter” to Get Noticed by a Hiring Manager

If you've ever applied for a corporate job and had to go through an online application process, you know it's rather impersonal. You'll lose the ability to stand out among applicants. Try sending a letter directly to the hiring manager telling them you understand their challenges.

Over at LinkedIn, Liz Ryan suggests sending a "pain letter" to a hiring manager instead of following the approved application process:

Ignore those instructions. You can find your hiring manager using LinkedIn, Google and the company's own web sites, and write to him or her directly. You'll write a Pain Letter, which is a little like a cover letter but much more specific to the hiring manager's situation. It's more friendly and human than a cover letter is, too.

You'll send your Pain Letter in a white envelope along with your Human-Voiced Resume straight to the hiring manager's desk through the postal service. You'll avoid the Black Hole completely.

This tip could be risky depending on the job. You're breaking the rules before you even start. You might send it through the normal application process and the hiring manager just to play it safe.

Check the link for other ways to break through the standardized application process so you'll get noticed.

I'd Make a Great Employee — Trust Me | LinkedIn

Picture by Wendy.

Decryptolocker Saves You From the Popular Cryptolocker Ransomware

Decryptolocker Saves You From the Popular Cryptolocker Ransomware

Cryptolocker is a nasty piece of malware that encrypts the files on your computer and holds them ransom. If you don't pay for a code to unlock the files, you don't get them back. FireEye and Fox-IT recently launched a tool to help users get their files back.

If you haven't been infected yet, you should make sure you have the necessary precautions against malware like Cryptolocker:

  • Antivirus. We recently covered the best antivirus software and that's your best line of defense. No antivirus is foolproof, but it can go a long way. Over at FoolishIT, they've got Cyrptoprevent—a program designed specifically to block this type of attack.
  • Reliable, cloud-based backup. If you can't decrypt the files, the only way to get your data back is from a backup. In this case, your recovery options are better withan online backup service. Online backup services can restore your files to a time before they were encrypted, and Cryptolocker infects external hard drives so they won't help you here.

Decryptolocker Saves You From the Popular Cryptolocker Ransomware

However, if you're already infected, Decryptolocker allows you to email them an encrypted file, after which they will send you a master decryption key and tool to free your files. The keys they are using are based on the original version of Cryptolocker, so they won't always be able to help with newer variants. If you can, you're better off restoring your files from a backup, but this is a good last line of defense.

Decryptolocker | via Krebs on Security

Check Out the Best From This Week's Open Thread

Introduce Yourself with Your Full Name So People Will Remember It

Notable PDF Edits PDFs From Within Chrome

Notable PDF Edits PDFs From Within Chrome

Chrome: Notable PDF is a Chrome extension lets you edit PDF files from within the Chrome browser. This extension works offline, too, so it's a great add-on for Chromebooks.

Once you install the extension and create an account, you'll be able to change PDFs and add comments. The extension integrates with Dropbox and Box accounts for opening and saving PDFs. Most options are free. If you want to save the PDF directly to Google Drive or digitally sign the PDF, you'll need a $4.99 per month account.

Notable PDF | Chrome Web Store via AddictiveTips

Involve Everyone During Group Job Interviews

Involve Everyone During Group Job Interviews

Sometimes, you'll find that job interviews consist of multiple members of the company asking you questions. Even if one interviewer does most of the talking, consider asking the quieter interviewer to speak up.

Over at the Harvard Business Review, they remind us of the importance of managing the interview:

Think of yourself as the facilitator of the group. If one person can't stop talking, it's up to you to turn her off politely. If there is an interviewer who hasn't had much to say, make a point of letting him into the conversation. Go around the room, if necessary, to make sure everyone has had a chance to be heard. They are likely looking for someone who will listen to everyone carefully and provide the structure for them all to move forward together, and this is your chance to show them you can do it.

The interviewers that don't speak up may have already made up their mind. Talking with them brings any objections they have into the open so you can discuss any problems.

Check the link for other tips on group interview techniques.

Ace the Group Interview| Harvard Business Review

Photo by EaglebrookSchool.

Keep Kids’ Small Toys in a Hanging Jewelry Holder

Keep Kids’ Small Toys in a Hanging Jewelry Holder

Kids tend to accumulate lots of small toys like race cars and action figures. Try storing the toys in a hanging jewelry holder instead of a box.

Over at Apartment Therapy they've listed tips for trying to keep the kids room clean. Your children may forget about toys in boxes, but displaying them in a clear jewelry holder lets them see their entire bounty. Plus, the toys are less likely to end up on floor and stepped on if you keep them above ground.

Check the link for other storage ideas for the kids' room.

15 Real Life Storage Solutions for Kids Rooms | Apartment Therapy

Five Best Investment Firms

Five Best Investment Firms

Whether you're saving for retirement or just managing your money wisely, an investment firm can be a huge benefit—the best ones offer online access to your money at any time, guidance that demystifies complex financial topics, and gives you the freedom to make your own decisions. This week, we're looking at five of the best, based on your nominations.

Earlier in the week we asked you for your favorite investment firms, whether they're the best company you've worked with personally managing your own money, or you just enjoy working with them to save for retirement, or keep your IRA or 401(k) in good order. You offered tons of great firms—and options that involve staying a step back from those firms and working with more consumer-friendly financial advisors. Here are your top five, in no particular order:

Betterment

Five Best Investment Firms

Betterment isn't so much an investment firm as it is a complete investing solution for people who are both new to the concept and who know they need to get started saving for their futures as soon as possible. Betterment handles IRAs almost exclusively, and you have the option to roll over old 401(k)s from other employers to Betterment, or opening a new traditional or Roth IRA with the company and using it to save for retirement—or any future financial goal you may have. The service prides itself on being as hassle-free as possible, with little to no paperwork or overhead, and a welcoming approach to new investors who may not be familiar with the ins and outs of investing. The company itself also boasts dedicated customer service ideal for people both new and experienced with investing, extremely low costs and fees, and automatically optimized investments for every level of risk—and the service asks your age and investment goals to help you figure out the appropriate risk level.

In the nominations thread Betterment earned a great deal of praise for being ideal for people who may have old, orphaned 401(k)s lying around that deserve to be properly invested. You also noted that because everything is automated (but still transparent), you can trust that your money is well taken care of and optimized for solid returns. However, at least one of you noted that with all that automation, customer service, and ease-of-use comes a cost—Betterment's fees aren't tremendously high, but they are higher than other firms and more manual options. Read more in the nomination thread here.


Vanguard

Five Best Investment Firms

Vanguard offers investment services to individual investors, retirement plan participants who have 401(k)s or 403(b)s with their employers, financial advisors, and more. For personal investors, the company offers full, anytime access to your retirement plans with your employer, your personal IRAs, mutual funds, ETFs, and any other stocks, bonds, or CDs you may hold with the company. Vanguard walks the line between being a complete self-service investment firm and a more managed, full-service firm with advisors and customer service reps willing to lend you a hand with your investment choices based on your financial goals. Their website and mobile apps are also packed with tools to help you keep an eye on your money, and to do additional research and read up on how to properly manage it. Whether you want to roll over a 401(k), open a new traditional or Roth IRA, or transfer an account from another institution to Vanguard, the company makes it easy.

Vanguard was a juggernaut in the nominations round, and many of you reported your own personal experiences with the firm. You highlighted Vanguard's massive selection of funds, great customer service, low expense ratios and fees, and the fact that they're a well established powerhouse in both personal and organizational investing as reasons you can trust them. Many of you noted specifically that they have the absolute lowest fees on their funds you've ever seen, and once you've started investing with them, you can qualify for even lower fees and more services. They're not perfect though, and like many companies with a wealth of financial products and services, some of them are cost effective and others just aren't. You can read more in its nomination thread here.


Fidelity

Five Best Investment Firms

Fidelity is another investment broker that offers a wide array of financial services, from retirement funds to individual investors' IRAs and mutual funds. Fidelity boasts some of the lowest expense ratios in the industry, and supports rollovers from other institutions as well as newly opened traditional and Roth IRAs. Fidelity's website offers immediate and instant access to your portfolio, so you can see how your money is doing at any time, and move funds around as you see fit. Fidelity also offers other features many banks do, like Billpay and money transfers between funds and institutions. Their website is also packed with financial information you can read even if you're not a customer—all of which is especially useful if you're interested in how IRAs work, the difference between traditional and Roth IRAs, which types of investments make the best tax advantages, and what types of funds you should consider based on your current age and retirement goals. Combined with other useful perks, like Fidelity's investment rewards AmEx (an honorable mention in our rundown of the best rewards credit cards), and you can easily bolster your investments both with easy deposits, rewards, and solid financial literacy.

In the nominations thread, those of you who sang Fidelity's praises noted that the company offers a massive variety of mutual funds and index funds to choose from, well-balanced products that cater to both the individual investor who's prepared to manage their own money or the more hands-off investor who's looking for some help getting their investments in order. Many of you also noted that while Fidelity's website sometimes leaves a few things to be desired, it is a great "one stop shop," as reader justgregit84 put it—one place where you can keep retirement investments, savings accounts, checking accounts, and more all in one place. Their mobile app isn't too bad either. You can read more in its nomination thread here.


TD Ameritrade

Five Best Investment Firms

TD Ameritrade is another large investment broker, packed with financial resources and information for people looking to learn more about investment basics and how to properly manage their money. TD Ameritrade offers a wide variety of funds and investment choices, commission-free ETFs, and tons of video guides, online courses, and more to help you make smart investment decisions. The company also offers a wealth of tools for individual investors who are just looking for an easy place to manage their money with solid customer service and a brick-and-mortar presence in case you want to talk to an investment advisor. There are tools to help you determine the best places to put your money based on your desired risk and goals. Combined with their easy-to-use webapp and mobile apps, the company also makes it easy for you to manage your money and keep an eye on your funds anytime you choose.

Those of you who nominated TD Ameritrade highlighted the fact that they make it easy to get investment help if you want it, take a simple, hand-held approach if you're not interested in the nuts and bolts of investing, or play a more active role if you are. You also praised TD Ameritrade's wealth of financial information and literacy library as well. You can read more in its nomination post here.


Bogleheads

Five Best Investment Firms

While not an investment broker specifically, Bogleheads is really a forum and community of investors who share investment advice and wisdom based on the principles of Jack Bogle, author, founder, and former CEO of the Vanguard Group. HIs books are considered classic reads for people looking to put their money into mutual funds in a way that'll earn them solid returns, and the Bogleheads are a community of people who follow and teach that financial advice. Despite the site's Web 1.0 look, the community is both welcoming and insular, offering a wealth of financial advice and information for people who are interested in better investments. Thanks to their background, the Bogleheads invest through Vanguard and support each other and keep each other informed through their forum.

In the nomination thread, those of you who supported Bogleheads noted that they're a great community, and they offer personalized, individualized advice based on questions posted to the forum. Many of the community's members are themselves retired and have their own experiences to share. On the whole, they favor a hands-off, well invested approach that you don't have to spend a lot of time micromanaging. Instead, their focus is on picking smart long-term investments and then leaving your money alone to work for you, all while you contribute to it when you can. You can read more about the community in their nomination thread here.


Now that you've seen the top five, it's time to put them to an all out vote to determine the Lifehacker community favorite.

The honorable mention this week goes out to the DIY option, which according to reader Jake involves using the cheapest discount broker you can find and learning to manage your money on your own—without trusting companies and their advisors and added "features." His point is well taken though—if you know your own way around the market, you won't need to pay more in fees and charges for other people to manage your money for you, like you'll see at most investment brokers. At the same time however, some of you had valid criticism for Jake's idea, pointing out that the market is purposefully obfuscated from the general public, and that an individual trying to get knee deep in managing their own investments just by reading a few books runs the risk of horribly mismanaging their money, especially considering the number of people who are educated, certified, and work in financial management full time. You can read the pros and cons of the DIY approach in the nomination thread here.

Want to make the case for your personal favorite, even if it wasn't included in the list? Remember, the top five are based on your most popular nominations from the call for contenders thread earlier in the week. Don't just complain about the top five, let us know what your preferred alternative is—and make your case for it—in the discussions below.

The Hive Five is based on reader nominations. As with most Hive Five posts, if your favorite was left out, it didn't get the nominations required in the call for contenders post to make the top five. We understand it's a bit of a popularity contest. Have a suggestion for the Hive Five? Send us an email at tips+hivefive@lifehacker.com!

Title image made using TradingAcademy.

Saturday, August 30, 2014

This Week's Top Downloads

A Contractor’s Truck Can Be a Window into Their Work Style

A Contractor’s Truck Can Be a Window into Their Work Style

When you have contractors in your home, some clean up after themselves and some leave your home a mess. You can figure out if your contractor is a slob or not by looking inside the truck.

Sure, it may seem a bit creepy, but Living On The Cheap notes that if the contractors maintain their trucks and tools, it could be a good indicator of how your home will look after they're done. Check out the link for other ways of knowing you are hiring the right handyperson.

How to hire a good handyman | Living On The Cheap

Photo by Steve Snodgrass.

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

Email is one of those things that's just a part of your life, period. Most of us know someone who has closed their Facebook account or refused to join in the first place in a little foot-stomping stand by their ego, and you might even know someone who is thrilled with themselves for not owning a smartphone.

But within the adult internet-using world, no one is allowed to not have email.

Not having email today would be the equivalent of not having a phone number—you'd have to be really doing your own thing to go there.

And so here we all are, typing things into compose windows, battling down our inboxes, and it's going pretty well—but like any world of social interaction, email has its difficulties.

Let's discuss 11 particularly awkward things about our email lives.


1) Exchanges that have an unequal power dynamic.

11 Reasons Email Is the Worst

If someone you're emailing with:

  • is making typos and you're not
  • is skipping punctuation and you're not
  • is skipping capitals and you're not
  • is taking a long time to reply and you're not
  • is responding to your long, well-written emails with much shorter responses

Then you're their bitch.

Unequal email power dynamics can happen for many reasons—a professional ladder discrepancy, an age discrepancy, a "customer's always right" situation, a thing where many people are all emailing one person—but usually, it's that the person writing the high-quality email wants/needs something from the person writing the low-quality email. Simple as that.


2) Emailing with un-tech savvy Baby Boomers.

Not all Baby Boomers—you know who I'm talking about.

They're the last remaining people with AOL email addresses. They scan a hard copy of an article and email it as an attachment instead of emailing a link to the article. They write the word e-mail with a hyphen in it. And they don't know that "replying to all" is a thing that can happen in the world:

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

Sometimes, you'll come across the especially un-tech savvy Baby Boomer who inexplicably writes their emails in all caps.

11 Reasons Email Is the Worst


3) Emailing with anyone born before 1930.

11 Reasons Email Is the Worst

To my grandmother, who tells me that her "machine is broken" when the browser window has accidentally been minimized, words like "forward" and "attachment" and "link" don't have simple, concrete definitions—they're just vague, complex ideas that she's heard of but doesn't understand.

She feels about email the way I feel about this sentence:

Central banks in developing countries are tightening policy and intervening in currency markets in response to concerns about the potential effect of currency depreciation on inflation, though gross issuance of nonfinancial corporate bonds and commercial paper have slowed and interest volatility has substantially diminished, possibly suggesting that reaching-for-yield behavior might be increasing again.

If you weren't far too lazy to write a letter, it would be a good idea to stick to hand-written correspondence with people born in the 1920s, especially since there's the side benefit that a letter from someone born in the 1920s will be a cool thing to own in 50 years.


4) The group email chain Late Responder.

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst


5) Figuring out how to address a minor friend in an email greeting.

To make things easy, we at some point all agreed upon certain rules and regulations for how to address various categories of people that we email.

11 Reasons Email Is the Worst

Notice the problem?

"Hi ____" is friendly in a distant, neutral, professional way for everyone you don't know well. When your relationship with someone takes a step forward, it graduates to the warmer, more casual Hey Zone. And with really close people, you can just skip the greeting altogether—no one starts an email with "Hey Mom".

But how about that green zone category of people who are more than acquaintances—so greeting them with "Hey" would seem too formal and distant—but you don't talk to them enough to just out of the blue email them and start talking without a greeting? How the hell are you supposed to start an email to that friend from college you talk to every two years or that old work colleague you became friends with and then fell mostly out of touch with?

It's not easy. And unlike all the other greetings, this one requires creativity. Some possibilities:

- Hey John! — The exclamation point says, "This isn't a normal Hey greeting—I'm smiling and extra excited because we're pretty close, and our relationship is a positive thing in my life."

- Johnny! — A typical response greeting to the "Hey John!" email. It's acknowledging that you're on nickname terms, and also joining the celebration of your friendship with the exclamation point.

- Hey man — This is something guy acquaintances or minor friends do to deal with being in the green zone. It's the greeting version of a friendly back slap.

- Sammmm — A girl tool to deal with the green zone.

- Heyyy — The extra Y's say, "Just swinging by to say something, and we're friends so sometimes we just swing by.

11 Reasons Email Is the Worst

5b) Figuring out how to sign-off in an email to a minor friend.

Similar situation. For the distant people, we have all sorts of autofills—Best, Regards, Talk soon, Take care, Thanks, etc.—and the really close people need no sign-off at all. But for minor friends, we've got another whole song and dance on our hands.

I'll sometimes finish a minor friend email with something like, "Thanks," and then look at it and think, "Ugh it's too formal." I then sigh, put the cursor at the end of the word, and begrudgingly type in two more S's.

It's also worth noting that some people have decided that xoxo is an appropriate sign off because they're just that adorable, and others just decided to start signing off with only the first letter of their name, because apparently we're now dating. To me, both sign-offs make me think the person looks like this when they're typing it:

11 Reasons Email Is the Worst


6) Saying Robot Phrases, which reminds you that you're not actually that unique a person.

A Robot Phrase is a commonly used email phrase that you end up using just because everyone else is using it and you're not that creative a person.

11 Reasons Email Is the Worst

These cookie-cutter Robot Phrases remind me of my voicemail recording being "Hi, you've reached Tim. Please leave a message." The next thing that comes on is an actual robot that says "At the tone, please record your message yada yada," and she and I are doing an equal job of expressing our individuality—but unfortunately, the only other option is to be an unnecessary weirdo by doing something surprising.

Email Robot Phrases are not quite as socially required as Voicemail Robot Recordings, but most of us are too lazy to deal with thinking up alternatives. Every single time I type one, though, I feel a slight twinge of self-loathing for being such a societal cog.


7) Mastering the exclamation point chess match.

With in-person interaction, we have a million subtle ways to express tone. Even on the phone, without the use of facial expressions or mannerisms, tone of voice gets the job done sufficiently.

But over email, we're stuck with a crude set of symbols as our tools to express nuance, making punctuation a critical part of the email world. A few guidelines:

Some people don't use exclamation points, and with those people, it's safe to stick with periods.

11 Reasons Email Is the Worst

Others use them constantly, and with those people you're a huge dick if you don't, so you're forced to join the party.

11 Reasons Email Is the Worst

This is important because to a rampant exclamation point user, the difference between a period and an exclamation point looks like this.

11 Reasons Email Is the Worst

There's also the rare but disastrous exclamation point / question mark mixup typo.

11 Reasons Email Is the Worst

I can go either way with exclamation points and tend to just follow the other person's lead, but I find that this is a pretty strong correlation:

11 Reasons Email Is the Worst

Ellipses are a whole other thing. Some people use them to be mysterious or threatening, and of course, they can be massively slutty.

11 Reasons Email Is the Worst


8) The epic correspondence that neither involved party wants to be a part of.

11 Reasons Email Is the Worst

This is a very odd phenomenon unique to email. It happens when two not-that-good friends find themselves stuck in the mutually-obligated chore of writing long descriptions of their lives to each other every few months. Both parties dread having to answer all the last email's questions and write a lengthy life description, and each is pretty bored by the process of reading the other's.

This cycle either goes on until one of the people dies, or sometimes, someone finally gathers the guts to just not respond to the other's email and then both parties can sigh a deep breath of relief.


9) Trying to shove the concept of laughter into the email medium.

11 Reasons Email Is the Worst

Laughter is a delightful part of vocal correspondence, so we've decided we need to figure out a way to express the same thing over email—but it's awkward.

Absurd people who say lol aside, here's what we're dealing with:

haha — I found this either mildly funny or not funny at all

hahaha — I found this a little funny

hahahaha — I found this reasonably funny

HA or HAHA or HAHAHAHA — I found this very funny

hahah or hahahah — I'm a very subpar human

At least in my world, I find that when something is actually funny, it'll result in capital letters.

And in almost all of these cases, the recipient pictures the sender actually laughing as they type, when in fact they probably look like the guy in the picture above.


10) The fact that hurtful things are happening to you and you're not thinking about it.

11 Reasons Email Is the Worst

Being humored by fake haha's is just the beginning.

You know how people sometimes BCC someone on an email they're writing to secretly loop them in? You know what you don't consider? The times when you've received an email from someone and there's a BCC happening unbeknownst to you—when you're the chump being spied on. Kind of upsetting right?

How about the fact that you're part of a number of group email chains, some one-time things and some that are recurring—and you kind of just assume that those are the only group chains happening. When in fact, there are a number of group chains between various friends or family members of yours that you are not included on, whose existence you never really consider.

Worse, think about a time you've forwarded an email you received to someone else for mocking purposes. Kind of mean, but you've also kind of done it right? How shitty is it that at some point, you've been the subject of the secret mocking forward?

Luckily, we tend to avoid assuming these things are happening. But they're happening.


11) Email disasters.

11 Reasons Email Is the Worst

11 Reasons Email Is the Worst

The email disaster is a special kind of disaster. It can be mortifying, hurtful, or even friendship-damaging.

Examples include:

- Emailing Person X to say something bad about Person Y and accidentally emailing it to Person Y instead.

- Replying just to Person X on a group chain to say something private and accidentally replying to all.

- Forwarding an email to someone and forgetting that below the email is a whole correspondence chain that has something sensitive in it, maybe even about the person you just forwarded it to.

- Sending an attachment to someone and accidentally attaching the wrong horrifying thing.

Other people's email disaster stories are a great source of schadenfreude—so if you have a good one, please share in the comments .

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This article has been republished with permission from WaitButWhy.com, where it can be seen here.

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