Money Makeover Series Future Financial Leader

Money Makeover Series Future Financial Leader When I first spoke with Pamela, she told me that she wishes she had learned about finances at an earlier age. Now she wants to learn more to become a financial leader to women everywhere. That’s a pretty admirable goal! Pamela’s words hit home with me as I too have been on a mission to help others avoid the many mistakes I’ve made. And with the rise of student debt in a tight job market, this topic is becoming more important than ever! Now Pamela is ready got get started with optimizing her own financial situation. Due to a mortgage, a newish job with a slightly irregular income, and some consumer debt, Pamela and I decided to reorganize and re-strategize her finances before starting a budget. She’s already been doing a fantastic job of saving for retirement, so consumer debt payoff is the goal! Here’s what we plan to do to help make that happen faster: Consolidate Debt Owing even small amounts to more than one lender can get confusing for anyone. Not only that, it causes you to pay more interest than you have to, which can really add up in the long run. That’s why Pamela is pursuing debt consolidation. This will enable her to transfer anything outside of her mortgage onto one account, at a lower interest rate. There are several ways to consolidate debt and contrary to popular belief you don’t need a “debt consolidation” company to help you. In fact, the majority of those companies end up being debt settlement or debt management companies, which come with a high risk. So how can you consolidate debt on your own? Credit card balance transfer Shop around for a credit card which offers a promotional rate (typically 0% for 6 months to 1 year, depending on your credit score) and apply to transfer all of your other credit card balances onto this new card. Be careful not to make any purchases though! Purchases are charged a higher interest rate and even having the purchases on the new card can skew the way your payments are applied. Credit card balance transfers are a good option only for those who want the lowest interest rates possible   but trust themselves not to use the card for new purchases. Home equity line of credit If you own a home, you can take out a HELOC and use it to pay off your other debt. This is better than a credit card balance transfer if you’re not sure you trust yourself not to spend on the new card. The HELOC has a fixed rate and payoff date. One con to this is that your home becomes collateral on your debt putting you at risk of foreclosure if you default on your payments. Peer-to-peer loan Peer-to-peer loans, such as those from The Lending Club and Prosper, give you the best of both worlds: they come at a much lower interest rate than credit cards and the rate and payoff date are fixed. You don’t run the risk of charging up more debt and there is no collateral on this loan. The con is that they don’t offer 0% interest rates, so you might get a lower rate with a credit card balance transfer. However, if you think you’re better off steering clear of credit cards, then the slightly higher rate is probably worth not having to open any new credit cards again. Earn Extra Income Once Pamela’s consumer debt is consolidated, she wants to do whatever she can to apply more money to her debt payoff. Since her current obligations don’t leave her a lot of room in her budget, she decided to look for ways to earn extra income. I know what you might be thinking, but earning extra income doesn’t have to be a total drag, and just a little bit extra each month can have a tremendous difference on your debt payoff goals! One way to lessen the pain is to find work that you genuinely enjoy and that is convenient to your schedule. In Pamela’s case, she noticed that her local bar (which is just blocks from her home) is always busy. She mentioned this to the bartender who promptly told her he agreed and that they’re hiring! Since she’d been a bartender before, she had the necessary skills, and she got the job! Now she will spend a couple nights a week working at a bar she already enjoyed hanging out in, while being able to get home in five minutes or less, and earning quite a bit of extra money to boot! Now that’s what I call a boost to your financial plan! Debt Avalanche To complete Pamela’s debt payoff plan, she’s going to start on what’s called the debt avalanche method. This method entails paying off your highest interest rate debt first. Some people prefer the debt snowball method, which is paying off your lowest balances first, because they like having those “wins” for motivation. But Pamela’s ready to fight her debt head on in the mathematically fastest way possible. This avalanche method will be made even easier once her consumer debt is consolidated, and she has extra money from her side job to apply to these loans. Once her highest interest rate debt is paid off, the monthly amount she was paying on that will be applied on top of the minimum payment for the next highest interest rate debt and so on until she’s debt-free. Hence, the name, avalanche! A little bit of strategizing on your financial situation can go a LONG way. In Pamela’s case, this new strategy is going to turn her financial situation into something she can easily control and manage. Need a little help strategizing your own finances? Tell us your story in the comments below and I’ll be happy to reply with some pointers!

How to Decode A Resume

How to Decode A Resume A resume should stand out. It is the first chance for you to prove that you are qualified for the job. What most applicants don’t understand, however, is that filling a resume with buzzwords does not make you sound any more qualified. In might, in fact, hurt your chances of getting the job.It might be easy to lean on these overused business-speak cliches and keywords, but beware: they can sometimes convey the opposite of what you are going for. As a hiring manager, it’s just as important to be aware that a resume might not be speaking as clearly as it can and should be.Saying the you “think outside of the box” can come off as sounding like you just don’t follow directions. It might sound good in your ears, but a hiring manager wants concrete results that came from your radical “outside of the box” thinking.evalOther keywords to avoid are:Strong organizational skillsDetail-orientedA perfect fit for your teamSynergyJack of all tradesWilling to put in extra workTeam player Thought leadershipSelf-motivatedEach carries an underlying alternative that can be off-putting to a potential employee. And as a hiring manager, these are the words that you should focus on if you decide to bring someone in for an interview.Find out just what makes them a “perfect fit” or how they’ve helped achieve “synergy”. Otherwise, these buzzwords are nothing but meaningless terms used to embellish a resume. EBI helped put together a handy infographic to help you determine what their resume is really saying.

Employee Engagement Does Not Equal Loyalty

Employee Engagement Does Not Equal Loyalty Employee Engagement Does Not Equal Loyalty Employee engagement is a phrase being used by many HR professionals these days. Sure, every human resource professional wants their company to be known for a fun, hip, and cool workplace where people are literally battering down the doors to work there, and job turnover is low. After all, keeping employees are in their best interests, as statistics repeatedly show that the more engaged the employee, the higher the retention rate.  Which equals less cost to the employer. Going through the recruiting and hiring process carries an extraordinary price tag, in addition to lost productivity and momentum during a position vacancy. But here is something that employees must never forget: being highly engaged doesn’t mean that there is any better commitment to you from the employer as their employee. Employee engagement can lure you into a false sense of security. The statement above about the cost savings is actually the heart of the matter: employee engagement is a business decision. It’s a way to save costs. Not because they really, really like you. Employee engagement is NOT to be mis-interpreted as more personal, almost familial connection. And that’s where many workers go wrong. They allow their feelings for the company to be swept up into an emotional connection that replaces this business connection into a personal one, and rely on that “promise” as a guarantee for job security. Remember, you are only there at the company until you find a better job offer (usually), and the employer is only retaining you until you don’t meet their business objectives. Never lose sight of this fact. Enjoy employee engagement as much as you can, and it’s ok to drink the “Kool-Aid.” But never substitute employee engagement as an absolute guarantee of job security. Just as soon as management changes, your job can vanish too. So always be aware of the underlying business reason for employee engagement practices.

JB Hunt Resume Writing Service

JB Hunt Resume Writing ServiceIf you are seeking a job or are trying to land an interview, it is imperative that you have a strong and effective resume. This means that you must prepare a resume that can demonstrate to an employer why you should be hired and that is also prepared in such a way that it will help them tell whether you are qualified for the position.Resume writing is different from most other forms of professional writing because there is an element of presentation that is required to make the resume stand out. Some companies may require you to provide examples of your previous employment. In this instance, the job duties of your prior position will be crucial.Sometimes, if you are not willing to undertake such a responsibility, the best bet would be to find a resume writing company that has experience in creating resumes that meet the needs of prospective employers. It would be advisable to find a company that has been in business for years and has many years of experi ence at delivering quality resumes.A good resume writer would know what type of resume works best for each position you are applying for. There are five types of resumes that you need to consider when looking for a resume writer to create. These include the science-oriented resume, the sports-oriented resume, the leadership resume, the executive resume, and the technical resume.In the career fair that you will attend, consider the type of positions that you are being asked to submit a resume for. If your experience is in a scientific or business field, consider a science resume. But if you have a more business-oriented background, consider an executive resume.The most popular format for resumes that you will find online is the plain white color resume. This format has the advantage of allowing you to highlight certain qualities that you feel are relevant to the position. For example, if you want to emphasize your interpersonal skills, highlight those aspects of your personality that can be improved upon and create a paper that shows that you have a chance of making an impact in your new role.A good resume should be done with care and attention to detail. Every item on the resume must be relevant to the job being advertised. Make sure that you know all the details of the job in question so that you can demonstrate that you know the job, are interested in it, and are excited about it.Of course, while choosing a resume writer to work with you, make sure that you get all the information that you need about that person. Check out their website to see if they have testimonials from previous clients and make sure that they are happy with the work they have done.

How to Use A Teacher Resume Sample

How to Use A Teacher Resume SampleA teacher resume sample is a very good idea because it will give you an idea of how to construct a professional resume. It is also very easy to do. Before you begin on your teacher resume, here are some things that you need to do.First, you need to decide which school you want to apply for. Some schools allow teachers to have a resume even if they have not applied for the position yet. If this is the case, you need to get a resume and apply at the same time.Second, if you are having a hard time finding any work experience, try to ask your friends who have already graduated from the same school. This will give you a lot of tips about the things that you should include on your resume. Also, if your friend has some good experience, he can recommend some schools for you. Don't make the mistake of applying for schools and then not knowing where to apply.Third, you need to go to the teacher resume sample and make a list of what you need to write in your te acher resume. This list should contain all the information that you need. It should not be overstated or exaggerated. It should only give the readers an idea on what kind of teacher you are.Fourth, in your previous school year, you should see how many people graduated. By doing this, you will know if there is room for you in the teacher line. The teacher resume sample will help you prepare for this.Fifth, make sure that you put your name on the first page of your teacher resume. Remember that the only thing that you want to highlight is your accomplishments. You don't want to focus on the less important details of your education. The summary section of your teacher resume sample will tell you what to emphasize.Sixth, write down all your special projects or achievements. This should also be written on the summary section of your teacher resume sample. Make sure that the other teachers in the school know that you did all these things because it will be remembered by your future studen ts. You should also have something to add about the subjects that you studied in school.

Uncommon Article Gives You the Facts on Student Teaching Resume That Only a Few People Know Exist

Uncommon Article Gives You the Facts on Student Teaching Resume That Only a Few People Know Exist What Is So Fascinating About Student Teaching Resume? One of the most important aspects of being a true student teacher is the chance to come up with your teaching style. The more you place into your student teaching, the more you will get out of it. If you currently have teaching experience, additional student teaching might not be required. If you would like to be a teacher, developing a teacher resume is among the very first things you will need to reach. The Debate Over Student Teaching Resume If you have little teaching experience, include volunteer positions and co-curricular pursuits that involve teaching in some manner. Your commitment to the teaching field ought to be highlighted through a resume. You have to make sure your resume will contain information that relate to the teaching market. If you're going through an alternate certification program or have just start ed your internship, you may make an overall area on your resume specifically for teaching strategies and instructional approaches. It's crucial to get students thinking about the realities of a classroom setting in addition to real situations they might come face to face with. Finally, a teaching philosophy provides the hiring authority clarification concerning how an educator transfers their knowledge to students. A teacher resume should have the ability to assist you in your application undertakings. Your teacher resume must have your qualifications which comprises the processes that you're able to execute should you get hired through an academic institution. Ok, I Think I Understand Student Teaching Resume, Now Tell Me About Student Teaching Resume! You have must maximize your whole strategy within your business enterprise. Your small small business application will soon be useful in a scope of means. If that's the case, your resume can nevertheless be quantified, and pr ovide the hiring manager a concrete idea of the reach of your abilities and abilities. Your prepare illustrates how you'll obtain from here on the marketplace. You may wish to highlight distinctive facets of your experience, based on the particular demands of the position available. Try to remember, no matter the sort of position you're seeking, or the sum of experience you've got under your belt, make sure that you have an eye-catching and student teacher resume. In a lot of the areas, grabbing a teaching job is challenging to find. You're in good academic standing. Getting the Best Student Teaching Resume The Teacher Education Handbook gives you additional and comprehensive info about the program. If you're unsure about what to include, find out more about the job or school district to learn what they're searching for in a teacher. Thus, if you prefer your teacher resume to be noticed, you must incorporate a number of buzz words pertinent to the teaching field. Students have the choice of student teaching in lots of areas all over the state of Illinois.

Why You Should Remember Murphys Law Before Your Next Job Interview - Work It Daily

Why You Should Remember Murphys Law Before Your Next Job Interview - Work It Daily Remember Murphy’s Law : if anything can go wrong, it will? When it came to my first job interview, Murphy couldn’t have been more right. I was almost finished with my senior year of college and had made it to the final round of Teach For America (TFA) interviews. For those who don’t know, TFA is an elite national service corps and is known for being extremely difficult to get into. The final round of interviews consisted of a dozen TFA hopefuls presenting a 5-minute lesson each, followed by a group activity, an individual written test, a lunch break, and one-on-one interviews. To say it was an intense first interview is an understatement. I spent hours researching the organization and the reading materials provided, and I prepped and practiced my lesson plan over and over. Finally, interview day rolled around. I’d been to the interview location numerous times before. I knew it took forty minutes, so I gave myself two hours to account for whatever might go wrong. Then the following chain of events happened: I got stuck in construction I got lost in the construction detours I got pulled over (though the police officer was nice enough to give me directions) I couldn’t find parking I found parking but didn’t have enough change for the meter I got blown off by the first few people I asked to break my dollar After showing up 15 minutes late, giving a flustered 5-minute presentation, and completing the group activity and individual test, it was finally time for lunch. I got in my car, ready to clear my head in preparation for the afternoon. Within a few moments I heard a loud noise and looked around to see if someone had thrown a snowball at me. No, it was a flat tire. Of course. My good friend lived nearby and she was nice enough to take me in and feed me Ramen noodles. After lunch, without an operable car, I started walking back for the in-person interview. Unfortunately for me, it was springtime in Michigan, which means the snow had mixed with mud to form filthy puddles along the street. Because it was that kind of day, I was DRENCHED by a car speeding by. I didn’t know what to do, so I just started laughing. The circumstances of the day were just too ridiculous. I showed up to my one-on-one interview with my clothes and hair dripping. The recruiter, already aware of my morning troubles, asked how my lunch went. I told her. She looked at me, seemingly unamused, before asking her first question: “Tell me about a time when you had trouble achieving a goal.” Looking back up from her papers, she cracked a slight smile and added, “You can use today as an example if you’d like.” We both laughed. I was relieved. It would be weeks before I found out whether I was accepted into Teach For America. During that time, I couldn’t help but think about what I could have done differently. The thing is, so much of that day was out of my control. What was in my control, however, was how I reacted. In the end, I was accepted into the corps. While there’s no way to be certain, I believe that how I reacted to the day was a big part of why they let me in. I could have given up, I could have felt sorry for myself, and I could have made excuses. But none of those attitudes would have helped me reach my goal. People don’t want excuses, just as they don’t want to be around someone who is negative or easily defeated. I hope you never have an interview day as trying as this one. If and when you do, I hope even more that you remember how important your reaction is. Keep your end goal in mind and move forward in as resilient and proactive of a manner as possible. Oh, and it never hurts to have a sense of humor. Written by Rachel Dotson on behalf of ZipRecruiter Related Posts: Use This Simple Trick To Get A Job When You Don’t Have Any Experience 5 Minutes To A Faster Job Search What School Forgot To Teach You About Job Search Photo Credit: Shutterstock Have you joined our career growth club?Join Us Today!