Skip that latte! and other financial advice we hate

Skip that latte and other financial advice we hateSkip that latte and other financial advice we hateThe world is full of terrible financial advice. Some of it is worse than others, but a certain percentage is just cringe-inducingly badeanstalt.Heres a roundup of the financial advice we most love to hate.Skip the latteSure, if you really need to save money, it can be helpful to do an audit of what you spend, find the little everyday luxuries you dont need, and stop spending money on them. But in general, this is bad advice.Why? Its a lot of effort for a small reward. (As illustrated in the video above.)A tall Caffe Latte at Starbucks costs $2.95. Lets say you buy one every day for a month thats $88.50 per month. It wont kill you to have an extra $88.50 in your pocket, but think of the effort it takes.Every time you pass that Starbucks, youre going to have latte cravings. Youll have to wrestle with yourself- and sometimes youll lose. You wind up saving less than that $88.50 per month, and feeling bad about it.There are better ways to save.Buy a house the market is hotA lot of people took this advice just before the housing market crashed - and it took them years to dig themselves out.Buying a house is a great thing for some people. And some get lucky and sell for much more than they bought for. But thinking of your home as an investment is a bad idea. No one can predict what the market will do, and life circumstances may push you to move before youve recouped your investment.Bottom line? Buy a house when youre financially ready. And dont assume youll make money on it. You may, but its quite possible you wont - so plan accordingly.Put a years worth of money in your bank account before you(fill in the blank)Whatever you most want to do - start a business, move cross-country, have a baby - there will be people telling you not to do it until you have a years salary saved. This is dumb.Should you have some savings? Yes, definitely. Is it realistic to build up a years worth within a reasonable timeframe? For most of us, no. This advice could leave you waiting years or even decades before you pull the trigger on your dream.Whatever it is you want to do, people have done it without a years worth of savings. Do the research. Talk to those whove managed it successfully. Take stock of your finances and see how much you really can save within a timeframe that works for you.But dont put your dreams on hold for a savings goal you may never meet.Not sure what to do with your life? Go to klasse schoolIf you just graduated college and still feel aimless, it can be tempting to go back into academia - an environment youre familiar with, and one that gave you purpose.But a Masters degree can be ruinously expensive - adding tens or hundreds of thousands to your student loan debt - and having one doesnt guarantee a high-paying job.If you know exactly what you want to do and you need a Masters or Ph.D. to do it, then go to grad school. But if youre just flailing, there are plenty of ways to flail without adding thousands to your student loan debt.Financial advice that really works? Refinance your student loan to a lower interest rateSome lenders offer as little as 2.5% interest when yourefinanceyour student loan. Keep in mind that even a Perkins loan will run you 5% interest these days.Refinancing is good financial advice because its low-effort, high-reward. Refinancing takes about 20 minutes in most cases, and you can save hundreds per month and thousands over the life of your loan.Theaverage amount most people who refinance save is $253 a month, or $16,183 over the life of their loan.It works, and, maybe even more importantly, itfeelslike it works.This article first appeared on Comet Financial.

7 Ways You Can Control Your Job Search Progress

7 Ways You Can Control Your Job Search Progress7 Ways You Can Control Your Job Search ProgressSearching for a job is a lonely experience. If you have come to the decision that you want to leave your current employer and search for a new position, you need to be very circumspect about the whole process, lest the wrong people find out at the wrong time. And, if you are unemployed while searching, youll find that no matter how much you are networking and interacting with friends and even your family, you are ultimately on your own. Your family and friends, no doubt, want to be supportive and help. However, sometimes they arent in a position to know how best to do that. Add another layer to the sense of isolation that you may experience. You have a choice to make. On one hand, you can allow yourself to flounder, perhaps making sporadic progress. And you can blame others for not putting opportunities in front of you while you passively wait for just the right thing to come along. Not recommended Alternatively, you can take control and act as the CEO of your own job search business enterprise. As with any great leader, youll need to determine and articulate a vision of your professional future. Youll need to figure out how to operationalize and ultimately execute that plan in order to transform your vision into reality. When you approach your search from this perspective, you can empower yourself to move forward in a positive fashion. Here are some questions youll need to answer in order to be successful1. What are your key strengths, specific skills and identifiable achievements up to this point in your career? What role do they prepare you to fill with distinction? In what context would a hiring authority value all that you bring to the table?2. What are the key network resources you have to support you in your search? What is the nature of your professional network? How can you make people understand what specifically they can do to help? And what can you do to motivate them to do so? 3. How will you position yourself in the marketplace? How can you create and present a compelling case for people to want to interview you? Is yourrsumaccomplishment-based, or are you simply asking people to guess what youve actually done inyour various positions? Is your LinkedIn profile complete in all regards with a professional picture and your story well presented?4. How will you structure your time? How much time each day or week will you devote to your job hunt, and how will you divide your time between all the tasks of job hunting? How much time will you commit to working on LinkedIn, engaging in personal conversations and so forth?5. What kinds of skills do you need to acquire or enhance to become a better job hunter? Who can help you? It might be that someone in your family or professional circle can help with yourrsum. Or maybe you would be better served bygoing to a professional who has a broader view and more current experience.6. What can you do in the coming day, week and month to keep up to date in your field or to broaden and enhance your skill set? It might be as simple as watching a few online how-to videos or reading professional journal articles. Would perspective employers expect you to have certifications you currently lack, and if so, how can you obtain them?7. What will you do to keep yourself accountable for your own progress? Will you commit to setting specific goals on a measurable timeline and sharing what youve done with your coach, spouse or partner? Perhaps you only need to schedule a time to ask yourself each day or week what you have done recently and what benchmarks youve yet to fulfill. Of course, there are things that will always be outside your control. Yet, when you create a formalized process and hold yourself accountable to it, you are far more likely to identify and maximize the opportunities open to you. Youre also more likely to take on the new role your next employer is dying for you to fill. Happy huntingArnie Fertig, MPA, is passionate about helping hisJobhuntercoachclients advance their careers by transforming frantic Ill apply to anything searches into focused hunts for great fit opportunities. He brings to each client the extensive knowledge he gained when working in HR staffing and managing his boutique recruiting firm.

Customize this Outstanding Legal File Clerk Resume Template

Customize this Outstanding Legal File Clerk Resume TemplateCustomize this Outstanding Legal File Clerk Resume TemplateWriting the File Clerk Resume TemplateCreate Resume In some industries, managing a companys files is a much more complicated task than in others. The file maintenance requirements of the legal industry make it necessary for firms to hire qualified people to manage and administer those files. For your File Clerk resume template to be effective, you need to show off your organizational talents and your understanding of the filing needs of the legal industry.Resume Template for File ClerkHannah TempertonProfessional SummaryDedicated File Clerk that is capable of managing archived and active files with equal efficiency. Proven track record of updating digital and hard copy files as needed, assisting in critical research projects and developing a file organization system that anyone in the firm can understand. Utilizes a strict sense of uniformity to create an efficient f ile maintenance system.Core QualificationsDigital File MaintenanceOffice Process AdministrationFile Management Policy DevelopmentResearch Project SupportActive File ManagementFile Removal Log MaintenanceExperienceFile Clerk, September 2010 June 2015Ashton Hughes New Cityland, CAResponsible for maintaining the file release log for all hard copy filesAssisted the paralegal team in doing critical case researchWorked with the amtsstube administrator to upgrade the digital file management platformReceptionist, June 2004 September 2010Jarosch Attorneys New Cityland, CAResponsible for greeting visitors and maintaining the visitor logAnswered incoming calls and distributed messages accordinglyAssisted in filing archived case filesEducation2004 Associates Degree, Legal StudiesPriam Community College New Cityland, CACustomize Resume

Sales Trainee Job Description

ausverkauf Trainee Job DescriptionSales Trainee Job DescriptionSales Trainee Job DescriptionThis sales trainee sample job description can assist in your creating a job application that will attract job candidates who are qualified for the job. Feel free to revise this job description to meet your specific job duties and job requirements.Sales Trainee Job ResponsibilitiesLearns sales process by completing training assignments and rotation.Sales Trainee Job DutiesLearns sales administration by completing rotation in sales office functions.Learns sales process by completing training program completing study assignments.Observes sales process by traveling with sales representatives attending sales and service calls.Practices sales process by calling on existing and then new accounts adhering to established sales steps.Updates job knowledge by participating in educational improvement opportunities reading sales and marketing publications maintaining personal networks participating in sale s and marketing organizations.Accomplishes sales and organization mission by completing related results as needed.Sales Trainee Skills and QualificationsEnergy Level, Self-Motivated, Self-Development, Motivation for Sales, Verbal Communication, Handles Rejection, Deals with Uncertainty, Handles Pressure, Self-Confidence, Business Knowledge, Meeting Sales GoalsEmployers Post a job in minutes to reach candidates everywhere. Job Seekers Search Sales Trainee Jobs and apply on now. Learn more and recruiting and hiringVideosSalary CalculatorHow to Interview for In Demand Jobs

A Startling Fact about Managed Synonym Resume Uncovered

A Startling Fact about Managed Synonym Resume Uncovered The best method to do that is with numbers. You always wish to set yourself aside from the remainder of the applicants as long as its for the proper factors. So if you prefer to say that youve been instrumental in upping your employers revenue, take the opportunity to calculate or figure out the specific percentage. Put that achievement on your resume to demonstrate that youre able to adapt when challenged a superior employers search for. Written Communication Writing well is an important part of your professional presentation. Expert Stay away from the term expert, if you dont truly are, states Bensusen. Finding solution isnt a single man show. Making a list of them are going to make your work simpler. Job descriptions can offer plenty of phrases and key words that you ought to review. Sprinkle the correct buzzwords into your resume and cover letter to demonstrate that youre a portion of the business. You are able to read the remainder of the CareerBuilder survey here. Employers search for certain words. Switching careers can appear to be an intimidating task, especially in case you feel as though youre starting from scratch. Issues that arise should be resolved immediately to find the deadline isnt hampered with. Once implemented means it isnt the conclusion of your work. There are two resources that youre able to sell to each business on Earth time and money. When you are having the endeavor of producing a solution, attempt to utilize your sense of creativity. The easiest means to do so is to share numerical data that show youve contributed before and can, therefore, contribute later on. There are quite a lot of tools that could help your resume be mora stimulating. His primary purpose, however, is to demonstrate his skills as a leader, so he will stand out as the very first selection for a greater level job at the USPS. If your language is the very same as everyone elses, it is going to be difficult for you to stand out. Attempt to use this sort of language to demonstrate you have these critical skills. Incorporating trendy jargon isnt exclusively with the goal of cosmetics, however additionally, it showcases advanced written communication skills critical to the success at virtually every role or title. Activities beyond the workplace may show skills that will apply to a different career. Attempted A prospective employer is interested in what you can do to help their company. Educators are predicted to demonstrate leadership in their schools in addition to their communities. Providing specific examples may enable a possible employer to relate the applicants work experience to possible small business needs in their company, Stetson states. The Lost Secret of Managed Synonym Resume You might already have lots of achievements and accolades that you can not even think to list on your resume. Instead, utilize quite a few terms which best describe y our accomplishments to show employers the range of your achievements. At times its better to permit the accomplishment speak for itself. The term accomplishments may be more inclusive than you might imagine. Remember birthdays and preferencestake notes if you want to. A lot of people who arent able to write well are extremely talented in many different ways, but people often mistake an inability to write nicely with too little intelligence. You may not be mindful of it, but by employing weak words and phrases in your resume, youre sabotaging your own probability of landing a good job. Just avoid the most usual ones whenever possible. New Ideas Into Managed Synonym Resume Never Before Revealed Hence, you should be conscious of the ways of collecting data for bringing about a solution. There is an assortment of techniques to find out whether the solution implemented is effective. For bringing about solutions its mandatory to collect information about the problem. There cou ld be a number of solutions to the issue, then youve got to evaluate which one is best suited.

3 Sleeping Habits to Maximize Your Recruiting Potential

3 Sleeping Habits to Maximize Your Recruiting Potential Last year, 40 percent of Americans got less than 7 hours of sleep each night, with anaverage of 6.8 hours per night. In fact, it is estimated that70 million Americans have a sleeping disorder. While your creativity is boosted during those sleepier parts of your day, not getting the recommended hours of sleep over long periods of time can have a lasting, negative effect. Being tasked with a job while lacking the necessary zs seems downright impossible especially in a high-stress, multi-tasking position like that of a recruiter, hiring manager, or HR pro. If you want to avoid the long list of horribleeffects of sleep deprivation,use these three tipsTip 1 Beds Are for Sleeping, Not SmartphonesFor busy people, sleeping is that time between one shift and the next. Therefore, things like email find their ways into our relaxation time. In 2013,49 p ercent of people admitted to checking their emailimmediately after waking up at least sometimes. Moreover, 54 percent of people admit to checking email before they go to bed.Studies show thatbright lights before bed can lead to a reduction in melatonin. Melatonin is a hormone that helps control sleep and wake cycles, and without it, we lose that sleepy feeling. A lack in melatonin also has been shown to impair the immune system and increase risk of cancer, obesity, diabetes, and heart disease. By separating yourself from your screens and lowering the lights around you an hour before bed, you will significantly lower your chances of suppressing melatonin. You can also install the softwaref.lux on your devices. The program can be installed on any Apple device and will automatically adjust your display colors to suit the time of day.Tip 2 Know What Works for Your BodyChronotypes are a genetic explanation as to why a person feels mora awake at one part of the day than at another time. S tudies show that a gene known as PER1 determines if you are a night owl, morning lark, or hummingbird (right in the middle). If you happen to find yourself identifying mora with one over the other, but cannot change your work schedule to suit it,use bright lights to trick your body into working with you and not against.The morning lark who is bright eyed and bushy tailed in the early hours but needs to work late should fill their evenings with bright lights and more activities like hitting the gym or going for a walk.The night owl with a morning shift should fill their early hours with light and activity. Going to bed with the curtains open will let natural light in, to help your body feel more awake.Tip 3 Forget Practicing Scheduling Makes PerfectOnce you have figured out a schedule that works for you, stick to it It is believed that it takes 21 days to make something a habit, but scientists are finding that it may take closer to66 days for a new habit to truly set in. In other wo rds though it may be rough in the beginning, sticking to your new schedule will only become easier.Going back to the days of college, its crazy to believe that there was ever a time that all-nighters existed. In all honesty, they never should have. Having better sleeping habits is pivotal to more than just surviving an 8-hour workday its about surviving, period. Maintaining a healthy sleep cycle will help you in and out of the office, so learn to identify when you are on the clock, off the clock, or in needof a total clock resetaltogether.Do you have a healthy sleep habit you would like to share withother recruiters? Tell us in the comments

Management Science Careers

Management Science CareersManagement Science CareersManagement science is an excellent field for people who really enjoy analyzing problems and building mathematical models to develop solutions. Strong backgrounds in statistics, database management and computer programming are the normal prerequisites. A related field is data science. Wall Street is particularly enamored of so-called quants or quantitative experts, but all industries can benefit from their skills. A growing field is that of artificial intelligence (AI), also called expert systems. The goal is to build models that replicate the complicated decision-making processes of experts in various fields. Such models, if constructed correctly, can do the work of armies of experts. Banks strive to refine credit-scoring models that assess the credit worthiness of loan and credit card applicants. This is a form of expert system. Insurance companies have their own scoring systems that evaluate applicants for policies and determine w hether they should be accepted and at what premiums. This is another type of expert system. Brokerage firms are interested in models that predict a clients level of satisfaction with his or her broker, suggest what the broker could do to improve, and/or predict which clients are so dissatisfied that they are in imminent danger of closing their accounts. Skills Needed Becoming the manager of a management science group normally requires excellent communication skills. The client base for management science is the population of less technically adept managers in the company. To work effectively with them, you must be able to relate complicated statistical concepts in jargon-free English. Some firms are finally seeing the value of creating parallel tracks for technical experts who do not wish to manage large groups of employees. Find Management Science Job Openings Use Indeed.com to search current job openings in this field.

Top trends in New Jersey Hiring

Top trends in New Jersey HiringTop trends in New Jersey HiringTop trends in New Jersey HiringIntelligence dug into whos hiring and for what in New Jersey these days. If youre recruiting in this state, youll want to know what we found.A richly diverse state with proximity to major metropolitan areas, New Jersey has a history of invention and innovation from electronics and pharmaceuticals to biotechnology research. Nicknamed the Garden State, the state is among the leaders in many forms of agricultural production, such as blueberry and cranberry production. The biggest drivers of job growth are New Jerseys leisure and hospitality, professional, and retail trade industries. The state has created 73,000 new jobs over the past 12-months the unemployment rate was 5.1% in June 2016 which was just 0.2 percentage points above the national rate of 4.9%.By June 2016, 4.6 million workers were employed in New Jersey, and the state along with neighboring metro areas, Philadelphia and New York, ac counts for 10% of all jobs posted on Monster. To give you some insight into what your recruiting competitors are up to, our Intelligence team analyzed data from the CEB TalentNeuron tool to identify which companies are posting the most jobs, and which jobs are most listed, and which jobs are most searched. notlage surprising, a diverse range of positions similar to many US markets are most in-demand in New Jersey that includes truck drivers, registered nurses, marketing managers, and retail workers.What are companies hiring for?fruchtwein Common Employment in New JerseySecretaries Administrative AssistantsElementary Middle School TeachersMiscellaneous ManagersRetail SalespersonsCashiersMost In-Demand Jobs in New JerseyTruck Drivers, Heavy and Tractor-trailerRegistered Nurses (RNs)Marketing ManagersSupervisors, Retail SalesRetail SalespersonsNew Jersey Jobs45% of available New Jersey jobs are for Technology, Sales, and Healthcare workersOf all open technology positions, 35% of avai lable Technology jobs are for Software EngineersOf all open sales positions, 40% of available Sales jobs are for RetailOf all open healthcare positions, 42% of available Healthcare jobs are for NursesMost Common New Jersey Jobs IncludeTruck Drivers, Heavy and Tractor-trailer employed 40,280Median pay $45,690Registered Nurses employed 78,460Median pay $79,230Marketing Managers employed 10,840Median pay $149,060Supervisors, Retail Sales employed 30,320Median pay $44,170What are job seekers looking for?Most viewed New Jersey jobsSecretaries and Administrative AssistantsSales Representatives, Wholesale and ManufacturingCustomer Service RepresentativesSoftware Developers and ProgrammersMiscellaneous Business Operations Specialists (e.g., Project Managers, Program Managers, etc.)Top New Jersey job searchesPart TimeAdministrative AssistantReceptionistCustomer ServiceSalesAccountingmenschengerecht ResourcesEntry LevelWarehouseMarketingWant to know more about the top trends in New Jersey hir ing? Check out the New Jersey Market Overview from Intelligence.Data finding are based on analysis of all available online jobs reported by the TalentNeuron tool and job seeking activity from more than 22 million unique visitors1.1comScore Media Metrix, 1Q 2016, 3-month average, (includes all US Mobile + PC traffic)

8 ground rules for meetings that make people want to be there

8 ground rules for meetings that make people want to be there8 ground rules for meetings that make people want to be thereWeve all been in meetings where we check our watches. Our time is valuable. A well-run meeting makes people feel they are a part of progress elend process.Lead progress by first establishing a safe and productive environment with meeting ground rules. Email the rules to participants before the meeting. Post them in the room. People will come prepared to contribute to something that matters not observe, yawn and hope they dont walk away with more on their to-do list.8 killer ground rules for meetings1. The purpose of the meeting will be evident in the invite and placed where participants can see it. All relevant information is invited, and no other issues will be discussed.2. Everyone has a chance to speak without interruption.3. After everyone has spoken all will get to share final thoughts.4. No idea is a bad idea. All ideas and opinions will be respected.5. Ide as and opinions are encouraged to survive the Relevant Test.Youve stated the reasoning behind the idea/opinion.Youve given a specific example.Youve shared any personal intention or benefit to you.6. All participants are invited to ask questions of an existing point of view.7. The focus will at first be on goals, not solutions.8. Once participants agree on the goals, the group will jointly design an action plan that demonstrates the level of commitment and resources necessary to succeed. Only then will solutions be created by repeating this process.A solution is a strategy of how you meet your goals. The group will create solutions after all agree on the goal. The best people at creating innovative strategies dont allow themselves to get lost in an opinion or solution until they have gathered all of the information on the problem.MaryLeeGannon, ACC, CAEis an executive coach and corporate CEO who helps busy leaders get off the treadmill to nowhere to be more effective, earn more, bemo re calm and enjoyconnected relationships with the people who matter while it leise matters.Watch her FREE Master Class training on Three Things to Transform Your Life and Career Right Now atwww.MaryLeeGannon.com.