6 ways youre losing money without even realizing it

6 ways youre losing money without even realizing it6 ways youre losing money without even realizing itWe all like to think that were keeping a pretty close eye on our money. After all, life is expensive, and being able to afford extras like anamazing fall vacationor that newit bagrequires smartbudgeting. In order to stay on track and maintain control of your finances, youve probably developed some kind of system (or maybe even started using abudgeting app) that keeps you fully in the know about how much cash is coming in and how much is going out.

6 Ways to Use Social Media in Your Job Search

6 Ways to Use Social Media in Your Job Search6 Ways to Use Social Media in Your Job SearchSocial media isnt just for sharing vacation pics and pinning your favorite inspirational quotes on a virtual board. As a job seeker, social media can be a very powerful method to helping you find a job. From networking to researching potential employers, there are a few smart ways to use social media in your job search.Here are six excellent ways to get a jump on your world wide web image and use social media to your advantage in a job search1. Present a positive picture of yourself. Sure, social media can be hilarious for funny face swaps, but its also important to portray yourself in the most positive (and professional) light possible. Use your LinkedIn, Twitter, and even Facebookprofiles to create a convincing image of you as a very likeable- and hireable- personIf you have social media accounts already, go over them with a fine-toothed comb to make sure they are employer-appropriate. Delete or hide any old deutsche post dhls or photos that are questionable. Or go one step further and create separate profiles that represent your professional interests. As you proceed, consider everything you add to these accounts with an employers perspective in mind. The more thoughtful, knowledgeable, interesting, and above-board your Internet image is, the better.2. Research companies youd like to work for. Of course you can go straight to a companys website to get a sense of who they are and what they do. But also check out their social media profiles, and any other places you might find them on the web. Read their blogs, posts, and tweets to get a sense of the tone in which they are written, and their focus. You can learn a lot about a company by their daily, constantly changing social media messages- much more so than with a static web page. Keeping up with the company on social media can also come in handy should you be called in for a job interview, since youll have more current knowledge that you can reference.3. Showcase your skills. Once you have your professional social media profiles in place, its time to let yourself (and your skills) shine Just finished getting a new certification? Tweet about it in 140 characters or less Did you finish a pet project that relates to your career field? Instagram those pics and post them online Remember, you can use social media to not only look for a job or a company to connect with, but to also highlight those special skills, education, and experience that recruiters and hiring managers are looking for.4. Do some networking. Its all fine and good to be connected with everyone from your high school graduating class, but what about forming connections with people who can get you a job? While you can really use any social media channel to network, if done properly, LinkedIn can be a networking dream.So take the time to fill out your profile properly. Write personal notes to the people with whom youre connecting, rather than opting for the standard Id like to add you to my professional network on LinkedIn. line that they offer you. The more personal you make your interactions on LinkedIn, the more youll get from it.5. Boost your professional knowledge. You can also use your social media profiles to increase your industry knowledge. While you can certainly learn something new from any social media channel, some, like Twitter, can be an amazing source of up-to-the-minute news and information for any industry you can think of. Simply search for terms that relate to you (your industry, job titles, etc.) and see what comes up. Follow people who regularly comment on your profession, and visit every day to see the latest news and peoples opinions of it.6. Do some personal sleuthing. The overwhelming majority of employers regularly go online to research potential employees. Thats why job seekers should make it a point to Google themselves to see what might come up in the search results. Enter your name an d also versions of it, including nicknames and/or common misspellings of your name. You should even Google your maiden and married name if youre a female job seeker. If you find anything erroneous or egregious, try to fix the issue before a potential employer spots it. That way, youll hopefully have something professional and relevant pop up as soon as an employer Googles your name.Jennifer Parris contributed to this post.

The Secret to Landing your Dream Job Happiness!

The Secret to Landing your Dream Job Happiness The Secret to Landing your Dream Job Happiness According to the latest research, our thinking is backward. The exploding field of neuroscience has turned the notion of success leads to happiness on its head. As it turns outs, quite the opposite is true If Im happy, then Ill be successful. Being happy is so critical to my executive clients professional success that I include a full chapter on it in my book, The Glass Elevator A Guide to Leadership Presence for Women on the Rise.The happier you are, the mora likely it is that youll land the job and salary of your dreams. And once employed, the happier you are, the more productive you will be. In fact, in a sweeping meta-analysis of 225 academic studies reported in Harvard Business Review, researchers found that happy employees are, on average, 31% more productive. Their sales are also 37% higher, and their creativity is 200% higher.Its clear that we need to boost our happiness levels. Th e good news is that most of the factors that contribute to happiness are absolutely in our control. Only a meager 10% of our happiness is based on external circumstances. That leaves us in some degree of control of a whopping 90% of our happiness.One of the greatest predictors of success in your professional life is your optimism. You might think people are inherently either optimistic or pessimistic. But there is conclusive evidence that we can actually change our set points for optimism by witnessing that our behavior makes a difference. Here are two proven ways to experience this phenomenon and increase your happiness level (and there are others in The Glass Elevator).1. Get off your bumDid you ever notice that people who exercise regularly are, generally speaking, more cheerful than those who dont? Exercise energizes you. It allows you do more and it makes you happier. So, during your job search, get off your bum. Research clearly shows that you dont need to compete in triathlon s to reap the energizing benefits of exercise. Simply get movingPark your car at the far end of the lot and walk.Take the stairs.Ask a friend to stroll with you in the evening.2. Practice gratitudeResearch has shown that practicing gratitude can boost our moods and make us measurably happier. Practicing gratitude means bringing more conscious appreciation into our lives on a daily basis by making it a habit, much like an exercise routine. There are many ways to do thisWrite in a journal daily about something meaningful that happened.Send an email every day with praise or thanks to someone in your network.Share 3 things youre grateful for daily with a family member or happiness buddy.While exercise is healthy for the body and outward expression of thanks is plain old good manners, when you do them consistently and consciously, you will learn that they are practices worth their weight in gold (or salary).

Personalization in Employee Relationship Management

Personalization in Employee Relationship ManagementPersonalization in Employee Relationship ManagementEmployee relationship management wasnt Henry Fords goal when he revolutionized the workplace by building his cars on an assembly line. He reduced the time to build a car from 12 hours to 2.5 hours when he had the cars come to the workers, rather than the workers coming to the cars. His assembly line revolution spread quickly to other industries and the replaceable worker was born. Instead of having to train an employee to build a whole car, you simply had to train a person to put one piece together, or to drill the same six holes, over and over again. Today, manufacturing isnt the biggest part of the US economy (although it is a critical part), and fruchtwein jobs dont consist of repetitive tasks. And so, a shift has occurred- instead of workers that act pretty much like the person next to them on the assembly line, there is personalization in the workforce. Employee relationship man agement is changing from the employee conforming to the company to the job fitting the employees needs. Managers in organizations have three significant opportunities to personalize their employee relationship management. Personalized Electronics Help With Employee Relationship Management When an employee showed up for a new job, they found a desk ready for them that was equipped with all of the equipment they would need to do the job. This was the former norm. Today, many companies have adopted a Bring Your Own Device (BYOD) policy that allows (or requires) employees to provide their own equipment. In fact, 85% of companies have a BYOD policy for at least some of their employees. While schwierigkeits exist with this BYOD approach- particularly when you think about data security and software clashes- it allows employees to work with the tools they are most comfortable using. Are you an iPhone lover? Then your organization wont force you to learn to use an Android at work. Nor wi ll you have to carry two phones- your phone and a work phone. Do you prefer to use Microsoft Office over Google Docs? That is fine, as long as your final documents are good. This is a benefit to employees who dont have to struggle to learn new systems, but it can also create a burden for them. Who pays when an employees personal laptop breaks? Is the security on everyones personal phone (where the makes and models are elend the same) up to date so company data is protected? Do employees feel financially burdened by the BYOD policy? You dont want to personalize electronics to the point that your employees credit cards are maxed out. You dont want your BYOD policy to damage your relationship with your employees. Employee Relationship Management With Telecommuting 70% of professionals worldwide telecommute at least one day per week, with 53% telecommuting at least half of the time. Employee relationship management changes completely when your employees are leid only in a different office but may work in a different state or even a different country. Many managers believed in management by walking around but that isnt possible in the new flexible work environments. Youd have to switch it to management by sending instant messages to your employees. You cant judge how hard an employee works by their furrowed brow, but rather by the end result of their work. While computer systems can allow you to see when an employee is typing or clicking on their computer keyboards, its not the same as your own visual assessment. Employee Relationship Management With Flexible Schedules In addition to working from home, flexible schedules are also a part of a more personalized management style for employees. Some of this personalization is required by law. For instance, under the Family Medical and Leave Act (FMLA), an employee with a health problem (or taking care of a family member with a health problem) may be eligible to take intermittent FMLA. This allows the employee t o come in late two days a week in order to deal with a health condition or see a doctor. An employee with a disability may need a reasonable accommodation to have a flexible schedule. But, providing flexibility to personalize the hours the employee wants to work is simply good management. An employee with young children may prefer coming in early and going home early so as to meet the school bus. Another employee may prefer to come in at 10 am and work until 7 pm. Workplaces find that allowing these types of flexible schedules can increase productivity and engagement. Not everyone is the same, so the assembly line factory model doesnt work as well as it once did. The Bottom Line Technological changes allow this switch to a more employee-focused personalized workplace, and its not likely to become stricter in the future. Henry Fords great idea revolutionized manufacturing, but now employee relationship management through personalization is revolutionizing the experience of employ ment.

Tips For Buying Small Business Disability Insurance

Tips For Buying Small Business Disability InsuranceTips For Buying Small Business Disability InsuranceWhat would happen to your geschftliches miteinander if you were paralyzed for one year? How about sustaining an eye injury for 6 months? To the unprepared small business owner, an illness or accident resulting in disability can be devastating to your life and business. Disability insurance will replace your income in the event of an accident or illness. Before you express it could never happen to you, consider the hard facts. According to the Disability Management Sourcebook, severe disabilities have increased 400 percent over the past 25 years from the age of 17 to 44. Before the age 65, one in seven people will become disabled for five years or more. How Much Disability Insurance Do You Need? If you think the government will take care of you, think again. Qualifying for Social Security disability benefits or Workers Compensation will be challenging and the size of the payout wi ll more than likely result in an income shortfall. Social security alone can have long waiting periods.?? The important decision your small business will have to make is how much disability insurance you need and can afford. Review your assets and liabilities to determine how long you can go without income. Assess your expenses and make the necessary adjustments for a disabled lifestyle. In the event of a disability, you might have enough financial resources for the short term but its more likely your business will need long-term disability insurance. When determining your disability insurance needs remember you cant purchase 100% income coverage. Insurance companies wont cover your full income because they want to provide an incentive for you to go back to work. Typical coverage is 50-60% of your gross income. The bulk of disability policies cover anywhere from 40% to 80% of your income depending on how much youre willing to pay. Consider the following factors when shopping for dis ability insurance for your small business 11 Tips For Buying Small Business Disability Insurance Define Disability Any small business owner who is considering purchasing disability insurance would be wise to compare each insurance providers definition of the term. A disability policy can define disability as applied to your specific occupation or to any occupation. If you have skills transferable to another job and you are unable to perform your specific work some policies will not consider you disabled. Carefully review if you are covered for any or all occupations as well as the extent of coverage. Add COLA A cost of living adjustment (COLA) option will help your plan stay current with rising inflation. Following a disability claim, your benefits will be adjusted each year according to the pre-set adjustment established in the rider.?? Check Associations If youre a professional you might want to look to your industrys association for group plans. Many associations offer member s various benefits including life and disability insurance. Review the cost and details of these plans. Determine Disability schriftNot all disabilities will be covered under a policy. A computer programmer will be concerned with disabilities such as carpal tunnel syndrome. Which disabilities are covered under your plan? Guaranteed InsurabilityThis is not a disability insurance option to ignore. If you want to add more insurance in the future without more medical qualifying, the guaranteed insurability option is best for you. Non-cancelable PolicyIf you want fixed premiums and benefits consider a non-cancelable policy. This is the best option for locking in your costs and benefits but it does come with a higher price tag. Work with what you can afford. Look at Financial RatingsBefore you make the final decision in selecting disability insurance, review the carriers. A.M. Best Company or Standard and Poors provides ratings of the financial strength of insurance organizations. Your in surance broker can provide you with ratings. Play the Waiting GameIncreasing the waiting period or elimination period of the disability payout can result in lower disability insurance costs. Look at your financial resources and estimate how long you can brde before receiving benefits. Keep in mind the first payment will usually be 30 days after your waiting period. Review Existing PoliciesReview your life and mortgage insurance policies to explore the cost of adding a disability rider on the policy. A waiver of premium rider can help reduce your expenses in the event of a disability. Business Overhead PolicyA business overhead expense (BOE) plan can be a welcomed addition to policyholders who not only want income covered but overhead suchas payroll, benefits, rent, and utilities as well. This option can help keep your business running while you recover from a disability. Find an Agent or BrokerThe business of insurance is complex and constantly changing. As a small business owner fi nd a good insurance broker or agent who will help you find the best policy for your needs and help steer your business through the maze of disability insurance options. Buying disability insurance for your small business shouldnt be based on premium price alone. Finding the best plan for your business will require a look at the options essential for your circumstances and budget.

What Attorney Resume Samples Is - and What it Is Not

What Attorney Resume Samples Is - and What it Is Not Writing a fantastic titelseite letter is among the crucial prerequisites in the work search approach. Samples are provided at these links. Its possible to also see TimeSheet Template. You can also see Writing Template. When formal litigation or other dispute-resolution proceedings are essential, we supply aggressive, higher caliber advocacy. When you submit an application for a position at a law firm, you wish to do what you could to stick out from the competition. Your attorney resume is your very first presentation of work to an expected employer, and so it ought to be a high excellent presentation, the likes they need to expect related to your work product. The Bad Secret of Attorney Resume Samples On the reverse side, even in the event you ought to be asking for work to find a cafe manager, you could be better suited to go over your prior comprehension within the restaurant marketplace at the exact top of ones resum e. Hence power of attorney is vital not just for the elderly, but in addition for youngsters. Its always essential that you send your work application to the hiring manager. It isnt just challenging to have a job for a lawyer. Never assume that you didnt get the job until youre provided a definitive answer. Follow up on all your job leads. There are two types of skills you want to include on your attorney resume. Make an outline of the abilities and experiences that you have to add. You must polish up your abilities. My practical legal skills also have developed as a consequence of my work for a volunteer at the Matthew Legal Centre. The 5-Minute Rule for Attorney Resume Samples Below, youll find examples of several attorney resumes to assist you locate the best one for your circumstance. Write the remainder of your attorney resume first, so you are going to have tons of precedent to draw on. A lawyer is someone who offers a service associated with law. Patent attorneys assist inventors and companies obtain patents and trademarks to safeguard their intellectual property rights. Attorney Resume Samples the Ultimate Convenience In the instance of an internet application process, where youve got to finish a multi-stage application form online, a deckblatt letter isnt normally required. When you learn how to begin your letter, you will need to learn how to format the full thing. Your letter shouldnt be more than 1 page. Your cover letter is your very first introduction to a possible employer. Its possible to get ideas about what to include, in addition to insight in the best performing formats for certain positions. Another strategy is to start your letter by expressing your excitement for the work prospect. Furthermore, you ought to think about how youre going to provide for yourself while looking for work. Show the abilities and experiences you have in the very best way you could. Attorney Resume Samples the Ultimate Convenience You wis h to include your complete name (obviously), email address, contact number, and a mobile phone number if the two arent the exact saatkorn. If youd prefer to include merely a normal email signature, be certain you include your complete name, email and contact number. Without a signature at the conclusion of your email cover letter, you might be passing up incredible possible job opportunities. If youre interested in getting an interview, a very good cover letter can help you receive your very best foot in the employers door. The Key to Successful Attorney Resume Samples Once you understand how to start a cover letter, youre require a resume. Because yes, you do have to compose a customized cover letter for each job that you apply for. You need to understand how to begin a cover letter without lots of cred. Your attorney cover letters ought to be in the appropriate format. Its very possible that I was able to bring some of my Nashville clients with me once I change firms. R eviewing attorney resume samples supplies you with some inspiration about what to include to aid you separate yourself from the remaining portion of the competition.5. You shouldnt mark on your estate planning documents at all. A few of the jobs like Real Estate Attorney require you to be quiet alert since there is chance of facing huge quantity of competition. In the exact same way that you could reference resume samples, the subsequent Attorney cover letter example can help you to compose a cover letter that most highlights your experience and qualifications. Although there are numerous ways to compose a cover letter, the next format has worked well for students previously. Your cover letter is as essential as your resume because its often read first and plays a crucial role in your search for an interview. Always remember, it is most likely going to be read by a busy person with a very short attention span. The Appeal of Attorney Resume Samples You might not hear back f rom a company that you apply to immediately. Determine whats most important to the firm. Describe how youll give rise to the company from Day One. Then youre aware that company is actuallynt exactly the primary one which you wish to utilize for.

Marketing Your Skills for a Job Outside Your Traditional Career Path

Marketing Your Skills for a Job Outside Your Traditional Career Path When you started college, you probably had a specific career path in mind, and perhaps youve followed your plans to the letter.However, in todays fluidbusiness environment, many job seekers are discovering their career skills are transferable to settings they never envisioned. Making such a major careerpivot can be both challenging and exciting, and if you understand how to market yourself for the job you want, youll increase your odds ofsuccessfully traveling a nontraditional career path.Embracing Unexpected RolesAs an example of aprofession experiencing this type of role expansion, lets look at social work. There is a growing market for nontraditional or corporate social workersbecause the professional skill sets of social workers can be assets to fruchtwein businesses.For example, when Pan American Bankdecided to create a financial literacy program for children and adults in the c ommunity, the organization recruited two social work interns to lead the way. After the interns graduated from school, they joined the bank as part-time community outreach coordinators.If youre interested in finding a nontraditional job for your profession, using the right search terms can help. For example,a recent postfrom the USC Suzanne Dworak-Peck zugreifbar Doctor of Social Work (DSW) program offers some search terms social workers might consider usingwhen hunting for nontraditional career opportunities- Corporate social worker- Corporate social responsibility- Cmployee assistance programUsing such targeted search terms,a social worker could find jobs like- Employee assistance program regional manager with United Airlines- Community outreach and corporate philanthropy manager with Twitter- Equal employment and alternative dispute resolution manager with the US Treasury Department. Learning to Sell Your SkillsYou may find the thought of stepping into unfamiliar professional ter ritory quite intimidating, especially if youre competing with others who have more experience or education in the field. This is why its important to identify the skills you have that employers need and learn how to sell them.For example,USCs DSW program recommends that social workers who want to work in the business world emphasize the following skillsCollaboration the patience and vision to bring people together with opposing viewpoints, build connections, resolve conflict, and foster healthy relationships.Community Organizing the ability to find commonalities around goals and identify paths to achieve those goals among groups of people.Facilitation the skill to improve engagement among project stakeholders and enhance each employees connection to the overall mission and goals of the organization. Marketing Yourself for the Job You Want For any new graduate, knowing how to market yourself for the job you want is key. A few critical components of your self-marketing includeInternsh ip Experience While the setting of your internship is important, being able to articulate how an employer could benefit from your internship experiences and accomplishments is even more valuable.Cover Letters and Resumes Make sure these essential documents are up to date and emphasize the experience and skills mostrelevantto the job for which youre applying.Networking Take advantage of every opportunity to make connections with professors, professionals, classmates, and coworkers in your field, since they may be great resources for future employment.Informational Interviews Ask potential employers for informational interviews with people in the organization to expand your network and explore whether the job will be a good fit.Making a career change within your field or outside it can be exciting and productive. By understanding what a potential employer needs,how your unique skill set fits the bill, and how to market yourself, you may be able to embrace career opportunities you neve r thought possible.Colleen ODay is a digital PR manager for 2U Inc. Find her on TwitterColleenMODay.