Building your resume, based on a resume outline will give it structure and flow... it provides an outline of all the things you should include in your resume. A resume is one of the most important documents you will ever createFirst you have to decide on a particular format for your resume. The two main formats in use today are chronological and functional format. Which one is best to use will depend greatly on your situation. To build your...more
When you move in to a new apartment, the landlord may charge you more than the first month's rent. Before you sign the lease, make sure you understand exactly what you're going to be charged, and get it in writing.Security Deposit: This is mini-landlord insurance. The deposit is equivalent to about one to two month's rent and can cover anything from a broken window to stained carpet. At the end of your lease, the landlord will conduct an...more
For the average person and/or family, the three biggest financial pitfalls to avoid are new vehicles, credit car interest, and short-term loans. Any and all of these can drain a person's or family's coffers of much needed funds. At best, they create opportunity costs, i.e., money spent on them could be better spent on sound investments like a home or stocks (both of which appreciate in value over the long term) or on college or retirement savings. At worst, they can eventually create financial hardship and even lead to bankruptcy.Buying brand new cars, trucks, SUVs, etc. can be a real money-eater. They all depreciate in value, some much faster than others, of course. Most vehicles depreciate the most in their first year or two of life, so the person buying a vehicle when it is new will have to absorb the bulk of its depreciation costs. With the price of new vehicles as they are today, that amount can be quite excessive. On top of that, many people have the financially disastrous habit of trading them in about every two to three years for another new one. That habit will result in the piling on of depreciation and debt.Instead of buying new, I suggest buying a low-mileage vehicle...more
When Ben Franklin said "a penny saved is a penny earned", he didn't quite get it right. Actually, a penny saved is worth more than a penny earned. Do you find this statement shocking? I am about to prove to you that what I'm saying is true.Most people erroneously believe the best way to strengthen their financial health is to increase their income....more
Very few people whom I know are familiar with the benefits of the Roth IRA. It was named for the late Senator William Roth of Rhode Island, who proposed it. It is similar to a traditional IRA except contributions are never tax-deductible. Contributions to traditional IRAs are sometimes deductible or partially deductible, depending on your income...more
5 Remedies for relief when the pressure's onVictoria Nuttall is a graphic-arts consultant with skills that should have been appreciated. "I was working 50 to 55 hours a week, feeling like a real hero to the company because I was putting out work no one else could do at that time," she says. "They had me train people and expand the department, but never consulted me on new equipment purchases and procedures. Add to this a bad relationship with an operator I trained and management that didn't care if people trashed one another, and you get 'work hell.' " Nuttall burned out.You've heard the story a thousand times. In fact, maybe you started your own company because the pressures of working for someone else got to you. Well, with burnout, there's not much of a difference between entrepreneurs and 9-to-5 employees, according to Dr. Beverly Potter, author of a number of books on burnout, including Overcoming job Burnout., How to Renew Enthusiasm for Work, "Job burnout is something like job depression," she says. "It's a motivational problem where your ability to get yourself moving and keep moving is impaired. It is caused by feelings of powerlessness such as the 'damned if you do,...more
"The way to develop self-confidence is to do the thing you fear". -- William Jennings Bryan Whether you're generally a self-confident person, or someone continually plagued by self- doubt, you'll recognize some of these confidence killers if you:...more
In the I-HR newsletter, moderator Beth N. Carvin asked if the idea of branding could be used, effectively, to improve productivity and retention. This is an expanded version of my response to her question: Yes, I think you can use the idea of...more
Content is the most important part of any website. The Internet was created in the first place as an information source. If the content on your site does not provide the information needed by its users it will provide little in the way of value to...more
We need real tax reform and we need it now. Previous attempts have been made at tax reform, but they have only provided band-aid solutions that have still left us with too many quirks, complication, and read tape. There are several things Congress...more
Sean works for a major telecom company. During one of our coaching sessions, he told me, "I've been diligent about following the sales process that my company believes is required to make a sale -- but, for some strange reason, my prospects don't...more
Each year, thousands of U.S. companies face the challenge of finding attractive financing to acquire business equipment. Equipment leasing has become a preferred form of financing, accounting for more than 30% of business equipment acquisitions. Many...more