How Millennials Can Save Millions for Retirement - TheJobNetwork

How Millennials Can Save Millions for Retirement - TheJobNetworkIts notlage fun to have to think about retirement savings in your 20s, but boy is it necessary. As inflation rates change and pensions become more rare, thinking about the future now is mandatory if you want to live comfortably without working in your mid-60s and beyond. googletag.cmd.push(function() googletag.display(div-gpt-ad-1467144145037-0) ) Figure Out Your NeedsHere are 4 things you can do to figure out how much you need and how much youre going to need to save to get that much.1. Estimate your future spendingEstimating your future spending is very similar to estimating your current spending. But take into account what expenses you will and will not have in the next few years. Will your mortgage get paid off? Will you have any long term health costs? Will you want to travel? Find an online calculator that can help you with your numbers.2. Estimate your retirement costsFind an online calculator also to help you ca lculate your retirement needs your monthly expenses, savings goals, retirement age, etc.3. Make a planWrite downeven if only on a single sheet of paperthe goals youve established to help hold yourself accountable.4. Keep at itThings change. Life changes. Keep revisiting your plan to make sure its up-to-date and stays relevant enough to actually deliver what you need.Aim Sky HighThink MillionaireSo weve coveredhow to departure thinking about saving and putting a solid plan in action. But we know you want to save lots. Millions, ideally, right? Here are 5 tips to get you started on the path to total financial comfort.1. Start ASAPThe earlier you start, the more youll end up with in your war chest. Imagine what would happen if you upped your monthly savings number over the course of your lifetime? The number really really adds up.2. Avoid debtBe smart by avoiding student loans and credit card debt. If you do accrue unavoidable debt, make sure to pay it off snappily as possible. Youll s ave a massive amount of money without even noticing. And always think through the financial repercussions of major life decisions.3. Invest slowlyDont dump all your excess money into high risk/reward ventures. Slow and steady wins the race. Think 401k.4. Generate multiple incomesThe more money you bring in, the more youll save and the faster you can pay down your debts and start pumping any extra funds into your wealth creation.5. Live frugallyEvery time you go to spend money on something, rethink that cost in terms of other things. How many lattes turn into a trip to Paris? A new fall coat? How many fall coats turn into a Ferrari, over time? Cut as many corners as you can and youll be surprised at how quickly you gain financial control of your life and your future.

Who Does What I Homeschool Our Kids, And Heres How My Husband And I Divide Housework

Who Does What I Homeschool Our Kids, And Heres How My Husband And I Divide Housework For most of menschengerecht history, the way we talk about household labor divisions has rotated largely around heteronormative gender roles. Thankfully, the idea that gender should determine the who does what of housework is (mostly) no longer the world we live in. But theres still no rule book for helping partners figure out how to divvy up household chores the physical, mental, and emotional ones in a way thats fair and equitable.So, what does the division of household chores for modern couples look like, really? In FGBs Who Does What series, we asked readers to complete an exercise in order to share with us the amount and nature of housework they actually do, and how they and their partner decided to divvy it all up.--Who Lynn P.LocationNashville, Tenn.Relationship positionMarriedWhat do you and yur partner do professionally? Im a stay-at-home mom who homeschools two of ur three kids hes an eng ineerWhat type of home (e.g, condo, house) do you have? HouseDo you have any kids or pets? Three kids and a dog--How long have you and your partner been together?12 years.How long have you been living together?10 years.What chores do you do daily, and how did you and your partner decide youd be the one to do them? Please describe.Since I work inside the home and my husband, Jeff, works outside it, a lot of the little day-to-day house management things fall under my jurisdiction. In the beginning of our relationship, I also worked outside the home (as a teacher) and things were divided a little differently then. Now, with three kids under the age of eight and more responsibilities on our plate than we know what to do with, its less divide and conquer and more just GO and hope everyone makes it through the day.On the day-to-day, that means I get the kids up in the morning and make them breakfast (Jeff has to leave for work early, by 5, otherwise he would help). I do the dishes, laundr y (with three kids, theres always at least one load a day), take care of the dog throughout the day, make lunch, and, of course, teach the kids. We do six-hour schooldays, and I have to prep their lesson plans and keep up with some administrative tasks. My oldest (whos 8) departureed out going to regular school at the school I taught at. I spent so much time with other peoples kids and felt like I hardly got to see my own. When I got pregnant again with my youngest, we made the decision I would stay home and teach them until theyre of middle school age.What chores do you do weekly and/or monthly, and how did you and your partner decide youd be the one to do them? Please describe.I take care of all our grocery shopping, as well as ordering most of our cleaning supplies and miscellaneous needs in bulk. Since Im home so much, Im the one closest to what we need, and it honestly feels simpler to knock that out myself versus try to relay it to Jeff and cross my fingers that he gets the ri ght things.How about your partner? What chores do they do daily, and how did they and/or you decide theyd do them?Jeff has to leave really early in the morning, but hell take out the trash on his way. When he gets home from work, hes usually right back out the door to take at least one of the kids (sometimes all of them) to an extracurricular activity. This is often my first break of the day. We approach dinner based on what the extracurricular program for that night looks like. Id say he takes care of it about half the time. Jeff is 100% on putting-to-bed duty with the kids, but Ill often help out with the bathing component of that. At night, the dog is also all himWhat chores does your partner do weekly and/or monthly, and how did they and/or you decide theyd do them?All money-managing things are in his jurisdiction. Hes the one receiving a paycheck at this juncture in our lives, so it just makes sense.Is the way you and your partner divide tasks similar to the household you grew up in? Why or why elend?Both of my parents worked full-time when I was growing up. My mom still took on more of the traditionally female roles (like cooking) in addition to her job as a principal, but for the most part, Id say Jeff and I actually have a more traditional way of dividing things. Its not how I expected things to be at the start of our marriage, and its not how things will be forever. But its the way things are right now out of necessityWhats something you and your partner could improve on when divvying up and completing household tasks? Whats something you feel youre doing well?Im sure there are things we could be doing better, but it feels like there isnt time to figure out what those things are.Lightning Round1. Who makes the bed?Were really bad about this and usually dont make them.2. When you go out to eat, who picks the restaurant and/or makes the reservation?Its been months since we went out to eat. I think he did.3. Who makes doctors appointments? Dentist appoin tments?We do our own.4. Who picks up the dry cleaning?We dont dry clean.5. Who keeps track of friends and family members birthdays?All me6. Who pays bills? (Or if you divvy this up, who pays which bills?)He does.7. When something in the house/apartment is broken, who makes sure it gets fixed?Me.8. Who makes sure the tags on your cars are up-to-date?We take care of our own cars.9. Who vacuums?Me.10. Who was the last partie to dust something?I guess me?11. Who was the last person to clean your toilet?I made him do it.12. Who buys groceries?I do.13. Who brings in the mail?He usually does.14. Who irons?Haha.15. Who was the last person to clean out the fridge/pantry of expired items?I did.16. Youve been invited to a wedding. Who RSVPs?Depends on who is getting married.17. When planning a trip, who books the flights? The hotels?Were going to the beach as a family this summer and he did most of the planning18. Who planned what you did last Friday night?The kids did.19. Who planned your las t date night?I cant remember.20. You need a gift for a friends housewarming party. Who buys it?Usually me.Interested in participating in FGBs Who Does What series? Email infofairygodboss.com with Who Does What in the subject line.

Spark a Conversation Criminal Records and Video Interviews - Spark Hire

Spark a Conversation Criminal Records and Video Interviews - Spark HireHere at Spark Hire, we want to help companies utilize the power of online video to find the best candidates. We get a lot of questions from readers about best practices for using online video in the hiring process. These posts will address those questions about how to find your next superstar employee.Question How can I find out about a candidates criminal record in the video interview? Sara from Washington D.C. When you have to fill a position, you are going to come into contact with all kinds of people. Each of those people have their own platzdeckchen of challenges, but for an employer it an be very difficult or challenging to interview someone with a criminal record. While you want to get certain information from them, you want to make sure you are notlage being discriminatory. Asking certain questions, or coming to a hiring decision based on discriminatory reasons, can land you in a deal of trouble. Basicall y, hiring managers need to be sure they are compliant with all regulations- generally the regulations that the Equal Employment Opportunity Commission sets (EEOC).For starters, you dont want to ask interview questions about a candidates criminal history or record unless it is relevant to the job. Legally, you can inquire about a felony conviction but you cannot make discriminatory comments on the subject. Once it has been brought up in the job interview, be sure to ask the candidate to explain their past and what they learned from their previous mistakes. When you are in a video interview with these candidates, you want to look for someone who can explain their situation without getting defensive. Its part of their past so they should be able to talk about it calmly. Plus, this is a job interview so they should be prepared to tackle the question.Even though this candidate has a criminal record, that doesnt mean that is the only thing you should be focusing on in the video interview. You need to tackle that portion, true, but you also need to discuss their skill set and past experience as well. What did they do in their career after their conviction? Is this their first job after that or have they been working since? What other companies have they worked for in the past and do they have the passion for this industry?Video interviewing a candidate with a criminal record can be a bit challenging, but its something that all hiring managers need to be prepared for. You will meet many different people in the hiring process and those with criminal records are not exempt.Do you have a question you need answered? Spark a conversation with the Spark Hire team by submitting your question to blog(at)sparkhire.com or in the comments below.

Should You Write Your Resume in 1st or 3rd Person The Answer Is No!

Should You Write Your Resume in 1st or 3rd Person The Answer Is NoShould You Write Your Resume in 1st or 3rd Person The Answer Is NoThere are voices in your head, competing for your attention all the time. Theyre trying to sneak onto your resume.So which one should you listen to? Should you be I or she or he?One of the first decisions you need to make before starting to write your resume is whether you want to write in the 1st or 3rd person.Throughout the few past decades, theres been an ongoing discussion about which voice to use in your career documents. And HR experts views have been changing, too, taking different sides every time.But dont worry, weve sorted this issue out for you. Heres the contemporary approach to the dilemma of writing your resume in the 1st or 3rd person.First person, third person and pronounsThe secret to a fresh, outstanding resume is to remove the pronouns entirely.Pronouns are redundant. Try it for yourself- get rid of all instances of I, he or she from y our resume. It wont change a thing. Their use is implied and everyone will know who youre talking about.Whats mora, pronouns take up a lot of space on your resume that you could fill withverbs and adjectives instead. Without them, your resume can start to breathe more freely and make your skills and experience shine.Lets take a look at an example First person I managed a stock room of 20,000+ items. Third person He managed a stock room of 20,000+ items.Sure, you could get away with either of the two. On the other hand, there are just too many reasons that make them useless in modern resume writing. Third person feels rather strange. When was the last time youve heard someone refer to themselves as he, she orMike? When it comes to the first person, using it you can easily come across as a bit boring, repetitive or egocentric. Now remove the pronounsManaged a stock room of 20,000+ items.Wow Can you see that? This phrasing is far more effective and concise.You can avoid the inevitably repetitive pronouns. And the whole resume will, in turn,read far more naturally.By using this approach, youll soon be able to craft short, succinct bullet points speaking of your past achievements.What if you still want to use pronouns?But even after reading all this, it might be too hard for you to say goodbye to your pronouns. Thats perfectly fine. You just need to stay aware of their function.You should definitely feel free to write your resume in either first or third person. Both of them are acceptable but they can be tricky to work with.First things first. If you do decide to use a pronoun, be careful to follow suit and use the same pronoun throughout your resume. Consistency is key. Jumping from 1st to 3rd person pronouns- and leaving them out from time to time too- can easily result in notgetting invited to a job interview.First personUsing the 1st person to talk about yourself sounds very logical. Its also more direct, engaging and personal.But as soon youve used the word I once,it becomes really tricky. If you want to stay consistent, youll have to start repeating yourself- or come up with very innovative ways to keep your Is in check.Last but not least, use 1st person pronouns sound informal, even unprofessional. Which means that unless youre applying for a highly creative position, you should steer clear of using it at all.Third personThird person is accepted as a standard resume convention. Looking a bit too formal, it keeps your resume impersonal and reduces the chance of sounding too egocentric.This style also creates the distance necessary to enable the HR manager to focus on your skills and value rather than your personality.If you decide to go with 3rd person, however, dont use your name to say things about yourself. Starting off with Shervin is an expert in will come across at best strange and at worst slightly creepy.After finishing your resume, read it aloud for yourself and try to evaluate the tone of its voice. If it makes the impression that you wrote your resume as a testimonial or if it sounds like youve got somebody else to write your resume, the work is not over yet.Back to basicsAt the end of the day, its facts that matter. Everybody knows youre going to talking about yourself in your resume. So using a pronoun feels just like bringing sand to the beach.The plain truth is that HR managers and recruiters crave for a simple, honest resume. Theyll always lean towards candidates whose resumes are easier to digest. And the fewer pronouns there are, the less time theyll have to spend reading it.A standout pronoun-free resume will focus on content loaded words such as nouns, verbs and adjectives. Anything else is an obstacle that recruiters eyes will have to jump over.This is why you need to weed out any confusing or unnecessary elementsand keep only those that are there for a reason.Lets sum it upThis article has brought light to a couple of pain points in a job seekers resume. If you decide to put them into practi ce, youre sure to become a well-versed resume creator with an impeccable career document in your hands.Here are 4 basic rules for a simple but powerful resumeWrite in the past tense.Focus on things you have achieved.Write in the 3rd person but eliminate any pronouns.Use short bullet points to strip out any unnecessary fillers words.Share Your Feedback or Ideas in the Comments

Tired at work for no reason You could have social jet lag

Tired at work for no reason You could have social jet lagTired at work for no reason You could have social jet lagIf youre tired at work for no reason, it may not be because you stayed up too late, but because your internal clock is hardwired differently.According to a new study published in Scientific Reports, too many of us are experiencing social jet lag, a condition defined as the misalignments between our circadian rhythms and our built environment. Under social jet lag, our hours of peak alertness are in conflict with the social impositions of morning meetings, late-night networking, and other work demands scheduled outside of our control. And when these scheduled demands are out of sync with our internal clock, our careers are what pay the price.Study Social jet lag takes a toll on academic performanceWhen researchers tracked two years of14,894 Northeastern Illinois Universitystudents activity logs, they found that students who were going to classes out of sync with their pref erred clock had lowergrade-point averages.Sorry night owls, we live in a world ruled by morning larks. The researchers found that the majority of students - 60%- experience mora than 30 minutes of social jet lag on average, but that night owls were particularly hurt hard by the biological timing effect. This is more bad news for those of who work best after dark. Night owls not only experience an academic disadvantage, but they have higher health risks too. Recent research found that night owls experience a 10% higher risk of dying than those who prefer mornings.Flexible schedules could fix thisThis study should be a wake-up call for employers and employees to pay more attention to schedules. For employees, this can mean noting what hours you feel wired and which times you feel tired so that you can work to create the optimal schedule for yourself.And for employers, this means giving employees the latitude to create their ideal schedules. Instead of forcing workers to become mornin g larks and night owls, researchers suggest that flexible work schedules are key to getting the peak performance out of every person, no matter their circadian rhythm.Rather than admonish late students to go to bed earlier, in conflict with their biological rhythms, we should work to individualize education so that learning and classes are structured to take advantage of knowing what time of day a given student will be most capable of learning, Benjamin Smarr, one of the studys authors, said.

4 Practical Tips to Negotiate a Pay Raise for Women

4 Practical Tips to Negotiate a Pay Raise for Women4 Practical Tips to Negotiate a Pay Raise for WomenYouve heard all about the gender pay gap in the US, and can probably recite the statistics in your sleep- particularly the 79 cents on the dollar that women earn compared to their male peers. Were not about to try and solve the national pay gap. But what we can show you is how to narrow your personal pay gap. Heres what you need to know, say, and do to earn more money. What You Need to Know The very first thing you need to know is how much youre worth and how much a man in an equivalent position is worth, says Alison Doyle, Job Searchexpert for The Balance. You can start by going to Glassdoor.com, Payscale.com, Indeed.com and other salary sites to get a sense of what salaries are like for jobs you are looking at. But know that those numbers- because theyre based on the average salaries of both men and women- are going to be low. You want to aim for the average of men, so take the numbers you find and increase them by a good 25 percent. Human resources and job boards may also be a good source of information, Doyle notes. Ask Is there a salary sortiment for this position? Some of them list it right on the website. If youre negotiating for a raise rather than a new job, you also need to have a good handle on what youve contributed, says Dr. Ben Sorenson, Vice President for Optimum Associates. Rather than try to create a document that charts this looking back, start today and do it going forward. If you receive an email from your boss that pats you on the back for a big win, put it in the folder. The same goes for the sales numbers in which youve played a role- particularly ones that show how your performance this year improved over last. What You Need to Say When an offer hits the table, youre tempted to do a little dance of joy. Do it in your head- but dont let it hit your face. Say thank you, of course (Doyle says being nice rather than contentious is ke y), then ask for time to consider. When youre ready to respond, heres one way to ask for more Im really excited about the offer, but based on my research, it seems low. Also, let the company know theyre not the only game in town I need to give the other companies Im talking to the courtesy of telling them I have an offer. I would do the same for you. If instead,youre asking for a raise, you need adifferent language. Again, it comes back to your performance. (Think not of what your company does for you, one of my early bosses advised me, riffing on JFK, but of what you do for your company.) Lay it on the table, then ask As a result of this performance, would it be possible to get a raise or increase in pay? If the answer is no, follow up immediately with Id like to get your feedback on increasing my pay to this level, based on where I stand in the organization and on my performance, Sorenson advises. What You Shouldnt Say When applying to a new job, its common to be asked your sa lary history, or how much money you want to make. Dont answer these questions, says Katie Donovan, founder of equalpaynegotiations.com. Answering either one of these questions is going to keep you underpaid, she says, adding that if youre filling out an online application, you should leave it blank. (If its a required field put in 0.00, she says. For fruchtwein systems thatll be accepted theyre just looking for a digit.) And if youre asked what you are currently making? If youre among the 60 percent of Americans working in the private sector, its actually confidential, Donovan says. And Massachusetts just made it illegal to ask about salary history in a job interview, a trend that could go nationwide. So in many cases, you can honestly say youre not allowed to reveal it. Or you can find another way to dodge the question Its not about me, its about the job. What is the job budgeted for?Im moving from a city where the cost of living is less expensive.I just got a graduate degree, so I m not sure my past salary is relevant. If all else fails, Doyle says, you can throw out a range, but do it with a codicil about why you expect to be at the high end of that. How to Say It Ive always agreed with Julia Roberts in Erin Brockovitch and Meg Ryan in Youve Got Mail Work is personal. And for that reason, it can be emotional. But when youre negotiating, youve got to leave that emotion at the door. That means the idea of fairness- and the fact that others at the company may earn more- should not enter the discussion. Youre not negotiating for equal pay, says Sorenson. Youre negotiating for elevated pay. With Kelly Hultgren

Customize this Outstanding Bookkeeping Clerk Resume

Customize this Outstanding Bookkeeping Clerk ResumeCustomize this Outstanding Bookkeeping Clerk ResumeCreate Resume Objective To get a position as Bookkeeping Clerk and to gain further experience in this field.Experience SummaryResponsibly handled various booking and accounting tasksExtensive Knowledge in the use of QuickBooks for various accounting tasksProfessional ExperienceControl Accounting, July 20XX to PresentOrr Sons, New HampshireHandled reconciliation tasks related to mutual fundsReported charges in daily mutual fund share positionsIntroduced work process that increased work productivity and received appreciation from senior members on the sameBilling SupervisorABC Investments, New HampshireIn-charge of supervising working of the existing billing system for departmental salary disbursementHandled invoice preparation and reconciliation of monthly statementsBookkeeper, July 20XX to August 20XXOcean Shipping Inc, New HampshireHandled accounts payable and accounts receivablePr epared sales invoice and various shipment related invoice.Education20XX 20XX Glenden School of Management Studies, New HampshireCompleted a Comprehensive Secretarial CourseDiploma in AccountancySkillsFast TypingKnowledge in using stimmt and Excel.Know extensive usage of QuickBooks. Able to quickly learn new software packagesReferencesFurnished upon requestCustomize Resume