Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

For information on partnering with, please contact us.

Create 'ROI' Relationships

  Q.1 NOW THAT I’M IN THE BUSINESS WORLD many of my school friends no longer “fit in” my life. We have different interests and while we can still go out for a beer once in a while, I feel I should make friends who can help with my career as well as share common interests. How can I do that and should I feel guilty about moving on?

A. DON’T FEEL GUILTY because those friends possibly feel the same way and also are seeking new friends among people in their own new lives. But it is wise to find people who will share your interests and eventually help you rise up the ladder with them. In their new book, “Abunfance NOW: Amplify Your Life & Achieve Prosperity Today,” Lisa Nichols, with Janet Switzer, describe those new friends as ROI, or those who offer “Return on Investment.” Such individuals provide intellectually, spiritually, and emotionally fulfilling relationships that, when you need them, give you something you didn’t have before. They advise you seek people you meet who represent the things you want to be or do or have. Ask them to teach you to do as they do and, most importantly, how to develop their mindsets.

Q.2 MY SMALL COMPANY IS STRAPPED FOR CASH, but since we signed on several new accounts we should be in good shape in a few months. I can get a new credit line if I open a new charge account at another bank, but a friend just told me anytime anyone opens or closes a charge account his insurance rates raise. Can that be true?

A NOT EXACTLY. Donna Eckert, agent for DSP Insurance in Arlington Heights Il, for Acquity Insurance, explains that if you have several cards totally maxed out, and open another charge for the purpose of carrying even more debt, your credit rating possibly WILL drop, and insurance companies now do consider that when deciding your annual rate. But if your credit rating remains acceptable and this is temporary until your new clients come on board, that may not apply to you. Ask you accountant to examine your books, credit rating, and expected income to help make that decision.


Improve Life with 'Me Time'

Time to Let Some Clients Go