Why You May Not Want to Opt for a Part-Time Job

Why You May Not Want to Opt for a Part-Time JobWhy You May Not Want to Opt for a Part-Time JobIf youre an exhausted working mom, its easy to look at friends working part-time jobs and think theyve got it made. The world of part-time jobs, you think, would let you finally have enough time for your family, household management, and a career. But before you jump into a less-than-full-time position, think seriously about the negative side of part-time jobs before you get trapped. Not every negative listed below is true of every part-time job, but being aware of the downsides can help you avoid them. You Will Earn Less Per Hours Believe it or not, many employers give workers in part-time jobs disproportionately smaller pay and benefit packages. They figure the flexibility of being able to fill a part-time job outweighs the hit that you take as an employee. Many employers dont give all health, retirement and other benefits to part-time workers which will cost you. Moreover, you often s tep off the path to promotions when you reduce your hours and commitment, which also reduces your earning power. Ultimately, you feel the hit through a lower per-hour package of pay and benefits. You May Work More Hours Than Predicted Its difficult enough to squeeze a meaningful career into 40 hours a week- much less into 16, 24 or 32 hours. Your colleagues forget that youre not at work on Wednesday and call your mobile number for help. Or you take home a project, aiming to put in a single hour, but end up working all night. Before taking on a part-time position, be brutally honest with yourself and your supervisor about how many hours will truly be needed to get the job done right. Also, youll need to get proficient at umgebung boundaries. You Miss out on Career Opportunities Perhaps the most obvious negative of part-time jobs is losing out on high-profile projects, assignments or trips. Sometimes superiors take you out of the loop- which you can combat by seeking out these opportunities and making it clear youll still do a first-rate job. But sometimes the most exciting professional challenges simply arent compatible with the schedule and lifestyle youve chosen. Console yourself with the thought that after your children are grown, you can return to the hard-hitting career you loved. And discuss with your supervisor a path to promotions and advancement that is compatible with the current metabolism of your work. Child Care May Not Fit Your Needs If your child is a baby, it may be hard to find a daycare center or provider willing to work part-time, when you have to go to your job. But if you have an older child, you may also face difficulty finding work that fits into your childs school schedule. Then there are the inevitable school closings and sick days to juggle. Bottom line the timing of child care can be difficult for part-time workers, leaving you either paying for mora care than you use, or scrambling to fill in the gaps. You May Feel Lef t Out One of the biggest complaints of part-time working moms is that they feel like theydont fit in with the working moms and they dont fit in with the stay-at-home moms. Yes, you do have more free time, but that doesnt mean you can volunteer for every school project and chaperone every field trip. You still have job responsibilitiesand likely more childcare duties than the average working mom. On the other hand, you may catch resentful glances from full-time working mothers who assume that your life is easy and stress-free. Take the time to educate your friends and neighbors about your situation, and chip in when you are able. Dont allow yourself to be talked into more volunteer work than feels comfortable. Ultimately, when deciding whether to work part-time, you must weigh the pros as well as the cons. But dont get too enthusiastic without knowing what youre getting into Updated by Elizabeth McGrory

EWeek is Just Days Away But Theres Still Time to Join In

EWeek is Just Days Away But Theres Still Time to Join In EWeek is Just Days Away But Theres Still Time to Join In Engineers Week (EWeek), the annual celebration of engineers and their contributions to society, may be just a week away. But if youre interested in taking part in one of the many activities that comprise the event, theres still time to get involved. Engineers Week, which is co-chaired by the National Council of Examiners for Engineering and Surveying this year, will take place from Feb. 17-23. This years EWeek activities include The Future City Competition, in which teams of middle school students and their engineer mentors design and model a city of the future. The Future City Competition finals are held in Washington, D.C., during EWeek. To landsee how you can participate, visit futurecity.org/. Discover Engineering Family Day, an annual festival at the National Building Museum featuring hands-on activities provided by local and national engineering organization s. More than 8,500 attendees are expected for this years event, be held on Saturday, Feb. 16, from 1000 a.m.-430 p.m. Visit http//eweekdcfamilyday.org to learn more. Introduce a Girl to Engineering Day, on Thursday, Feb. 21, a grassroots outreach program in which thousands of women engineers, with support from their male colleagues, are given an opportunity to directly mentor more than one million girls and young women in grades K-12. The announcement of the 2013 selections for the New Faces of Engineering-Professional program, which highlights the exciting unique work of young engineers and the resulting impact on society. Through the New Faces-Professional program, ASME and the other engineering organizations comprising the EWeek Foundation recognize engineers 30 years old or younger for their contributions to their professional association and to humanity. The 2013 group of New Faces will be unveiled in an advertisement to be published in USA Today during Engineers Week. Th e related program called New Faces of Engineering-College Edition focuses on the accomplishments of third-, fourth- and fifth-year engineering students. For more information, go to https//www.facebook.com/CollegeEdition. Two other programs - the DiscoverE Educator Awards and the Global Marathon - will extend the EWeek celebration well past Feb. 23. The DiscoverE Educator Awards program gives engineers the chance to honor pre-college STEM educators who are responsible for introducing young people to engineering concepts. ASME launched the program last year, while serving as the lead society for EWeek 2012. To be eligible, the nominated teachers must be full-time educators teaching in grades 6-12 (U.S. or U.S. equivalent) and the nominierung must be submitted by an engineer or engineering student. Applications are due March 8, and winners will be notified by late April. To learn more, visit www.eweek.org. Another EWeek endeavor, the Global Marathon for, by and about Women in En gineering and Technology, will provide a platform to support and unite women in the fields of engineering and technology from March 6-8. The Marathon was designed as a place where women in engineering and technology can connect via live Internet chats, telephone conversations, webcasts and live events. For more information, visit https//presentations.inxpo.com, or see the article Global Marathon Highlights the Contributions of Women in Engineering and Technology in this issue of ASME News. To help you get into the spirit of EWeek, make sure to visit the Engineers Week website, www.eweek.org, and check out a special video tribute from the U.S. crew of the grenzberschreitend Space Station. In the video, produced by NASA and the Engineers Council, San Fernando Valley, Calif., watch Commander Kevin Ford deliver an Engineers Week greeting to viewers on Earth and discuss the mission of EWeek as he drifts around the cabin of the space station.

Myths about the causes of hair loss and how to actually prevent it

Myths about the causes of hair loss and how to actually prevent itMyths about the causes of hair loss and how to actually prevent itAccording to the American Hair Loss Association, 66% of men will experience some degree of hair loss by the age of 35, though it happens on some level every day, to everyone. Genetically some men simply have fewer strands to replace fallen ones than other men do. The average healthy persons hair grows about 0.5 inches every month, though this speed varies by age, genetics, and diet.The most frequently cited hair loss mythsHair loss is one of those unavoidable indicators of aging that inspires a general terror in us- so much so that a lot of false predictors have been contributed to the process.For a while, people thought excessively shampooing your hair increased your risk for losing your hair. This was due to the fact that the process of washing your hair causes dead strands to fall from the scalp and onto your shower floor. Philip Kingsley reports, It is natural to lose up to 100 hairs a day and a percentage of this comes out when you shampoo. The act of shampooing simply dislodges hairs that have already become detached from the follicles base and are ready to come out. Also, not shampooing your hair doesnt make your hair fall out either, as evidenced by the existence of dreadlocks.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreA common hair loss myth was exposure to too much sunlight, which in turn branched off into a popular spinoff debate of its own Hat or no hat for a full head of hair into middle age? For better or worse, hair loss is principally a result of genetics. Recently Dr. Michael Wolfred, who is a plastic surgeon that specializes in hair restoration and an assistant clinical professor at Mount Sinai Medical Center in New York City spoke with TIMEabout the frequently purported hat-hair loss cause. Research has shown that male and female pattern baldness is actually caused by an inherited sensitivity to the hormone known as dihydrotestosterone.Again, that doesnt mean genetics is the sole predictor of hair loss, as the condition is multifactorial. If the hat were too tight, I could see that causing irritation or inflammation in the hair follicle, Goldbach says. By itself, this probably wouldnt cause hair loss. But it could be a contributing factor, Dr. Hayley Goldbach, a dermatologist at UCLA Health added in the same piece published in TIME. Certain materials some hats are composed of could cause an allergic reaction with your scalp that could potentially contribute to hair loss by causing the scalp to become inflamed, but it isnt the wearing of the hat itself. If someone were already going bald due to other factors, like a genetic predisposition, this inflammation-induced shedding could speed up the process of hair loss, Wolfred explained. When people begin to lose their hair, they typically departure we aring hats to conceal it from people, which might have helped create a false correlation. Of course the other, slightly less popular, school of thought recommends hat use during the summer months to protect follicles from direct rays. On the topic, Dr. Antonella Tosti, an advisor over at Keep and Hair Loss expert, concedes that although direct sunlight exposure has the potential to severely dry your hair out, it is not a direct cause of hair loss. While were on the topic, another myth worth debunking is the one that says applying sunscreen on your scalp can result in hair thinning. The authors over at Keep, join many by declaring There arent any hair products that directly cause male pattern baldness. There are many factors that can certainly damage your hair, but these do not as a rule prelude baldness. Chlorine and salt water, similarly to sunlight, can dry out your hair, but neither will invariably result in the feared condition. Can hair loss be prevented?Luckily, for every myth about a potential cause of hair loss, theres a studied method of preventing it. If genetics are the chief factors that cause hair loss, nutritional deficiency doesnt fall terribly far behind. For those that arent predisposed to baldness, its important to promote healthy strands by consuming the right nutrients and vitamins. Make sure you get all the vitamin A. It can be found in liver, carrots, dark leafy greens, salmon, fortified milk and eggs. Antioxidants, which are found in foods rich in Vitamin C, also help protect follicles against free radicals. One cup of strawberries contains 141% of your daily vitamin C requirement. Healthlineadds, The body uses vitamin C to produce collagen, a protein that helps strengthen hair to prevent it from becoming brittle and breaking.

10 unmistakable habits of irresistible people

10 unmistakable habits of irresistible people10 unmistakable habits of irresistible peopleToo many people succumb to the mistaken belief that being likeable comes from natural, unteachable traits that belong only to a lucky few - the good looking, the fiercely social, and the incredibly talented. Its easy to fall prey to this misconception.Some people, regardless of what they lack - money, looks, or social connections - always radiate with energy and confidence. Even the most skeptical individuals find themselves enamorad with these charming individuals.These people are the life of every party. Theyre the ones you turn to for help, advice, and companionship.You just cant get enough of them, and they leave you asking yourself, What do they have that I dont? What makes them so irresistible?The difference? Their sense of self-worth comes from within.Ladders is now on SmartNewsDownload the SmartNews app and add the Ladders channel to read the latest career news and advice wherever you go.Irresistible people arent constantly searching for validation, because theyre confident enough to find it in themselves. There are certain habits they pursue every day to maintain this healthy perspective.Since being irresistible isnt the result of dumb luck, its time to study the habits of irresistible people so that you can use them to your benefit.Get ready to say hello to a new, more irresistible you.They focus on people more than anything elseIrresistible people possess an authentic interest in those around them. As a result, they dont spend much time thinking about themselves. They dont obsess over how well theyre liked, because theyre too busy focusing on the people theyre with. Its what makes their irresistibility seem so effortless.To put this habit to work for you, try putting down the smartphone and focusing on the people youre with. Focus on what theyre saying, not what your response will be, or how what theyre saying will affect you. When people tell you something a bout themselves, follow up with open-ended questions to draw them out even more.They are authenticIrresistible people are who they are. Nobody has to burn up energy or brainpower trying to guess their agenda or predict what theyll do next. They do this because they know that no one likes a fake.People gravitate toward authentic individuals because they know they can trust them. Its easy to resist someone when you dont know who they really are and how they really feel.They find reasons to love lifeIrresistible people are positive and passionate. Theyre never bored, because they see life as an amazing adventure and approach it with a joy that other people want to be a part of.Its not that irresistible people dont have problems - even big ones - but they approach problems as temporary obstacles, not inescapable fate. When things go wrong, they remind themselves that a bad day is just one day, and they keep hope that tomorrow or next week or next month will be better.They ditch the sm all talkTheres no surer way to prevent an emotional connection from forming during a conversation than by sticking to small talk. When you robotically approach people with small talk this puts their brains on autopilot and prevents them from having any real affinity for you. Irresistible people create connection and find depth even in short, everyday conversations. Their genuine interest in other people makes it easy for them to ask good questions and relate what theyre told to other important facets of the speakers life.They treat EVERYONE with respectWhether interacting with their biggest client or a server taking their drink order, irresistible people are unfailingly polite and respectful. They understand that - no matter how nice they are to the person theyre having lunch with - its all for naught if that person witnesses them behaving badly toward someone else. Irresistible people treat everyone with respect because they believe theyre no better than anyone else.They have int egrityPeople with high integrity are irresistible because they walk their talk, plain and simple. Integrity is a simple concept but a difficult thing to practice. To demonstrate integrity every day, irresistible people follow through, they avoid talking bad about other people, and they do the right thing, even when it hurts.They dont try too hardIrresistible people dont dominate the conversation with stories about how smart and successful they are. Its not that theyre resisting the urge to brag. The thought doesnt even occur to them because they know how unlikeable people are who try too hard to get others to like them.They smilePeople naturally (and unconsciously) mirror the body language of the person theyre talking to. If you want people to find you irresistible, smile at them during conversations and they will unconsciously return the favor and feel good as a result.They make an effort to look their best (just not too much of an effort)Theres a massive difference between being p resentable and being vain. Irresistible people understand that making an effort to look your best is comparable to cleaning your house before company comes - its a sign of respect for others. But once theyve made themselves presentable, they stop thinking about it.They recognize the difference between fact and opinionIrresistible people handle controversial topics and touchy subjects with grace and poise. They dont shrink from sharing their opinions, but they make it clear that theyre opinions, not facts. Whether discussing global warming, politics, vaccine schedules, or GMO foods, irresistible people recognize that many people who are just as anspruchsvoll as they see things differently.Bringing it all togetherIrresistible people did not have fairy godmothers hovering over their cribs. Theyve simply perfected certain appealing qualities and habits that anyone can adopt as their own.They think about other people more than they think about themselves, and they make other people feel liked, respected, understood, and seen. Just remember the more you focus on others, the more irresistible youll be.Travis Bradberry is the co-author ofEmotional Intelligence 2.0and the co-founder ofTalentSmart.Thiscolumnfirst appeared onLinkedIn.

New Ideas Into Cover Letter Sample for Resume Never Before Revealed

New Ideas Into Cover Letter Sample for Resume Never Before Revealed The Key to Successful Cover Letter Sample for Resume Cover letters permit you to add all the info about yourself which you shouldnt include in your resume. A PQQ titelseiteing letter should be professionally written and it should be quite precise without getting into the unwanted information. The letter needs to be brief and information rich in order to be appealing. It should introduce your company in a precise and professional manner explaining how you are suitable for the tender convincingly. The 5-Minute Rule for Cover Letter Sample for Resume Keep in mind that a cover letter is supposed to introduce you to your prospective employers, and as you dont have to go into detail, it should let them know that you feel youre great for the job and the reason why they should truly feel precisely the saatkorn way too. Make certain that your letter is tailored to the organization youre applying for. The letter has t o be tailored to a particular job and business. Your cover letter will be mora effective if youre able to consist of something directly associated with the employers business. The Key to Successful Cover Letter Sample for Resume Youre going to need cover letter samples that have positions relatively comparable to the job that you have now, in addition to samples for jobs that are one step up from where youre now. Try to be aya that it isnt merely a list of whats in your CV but is individualised to the work application. Cover letters and resumes are indeed very crucial in aiding you to land on the job which youve been dreaming of. You should use the covering letter to create a great impression in order for the employer or recruiter may want to read your CV. Top Cover Letter Sample for Resume Choices You might just edit your cover letter for you to incorporate the personenname of the school. Make certain you get the right spelling and complete name of the recipient. The lang uage employed in the letter ought to be grammatically accurate. It is crucial to keep in mind that a cover letter is a business letter and should be formatted so. 1 cover letter does not suit all jobs so dont rush and compose the letter particularly for the position. A short and snappy letter is an excellent option in doing this. A brief and snappy letter is a superb choice in doing this. Getting the Best Cover Letter Sample for Resume The objective of cover letters are to supply an overview of an applicants background in regard to an advertised job position. Once you complement the kind of cover letter to your purpose, remember to clarify your reasons in the definite association in addition to to make out the abilities and experiences you have. If you learn to compose a cover letter that displays confidence, you could have just found the winning edge that you want to get that new job. An immediate care worker cover letter must demonstrate the personality and techniques of a candidate in the front of the employer in a manner that the employer makes the decision to interview the candidate immediately. This paragraph should include a brief excerpt of career achievements which are included in your resume. If your cover letter isnt well organized, employer will surely consider that youre not very good at keeping the financial records. People today use samples of a fantastic cover letter to make sure they do not neglect to request an opportunity to interview for a position they know is open. Applicants should give an overall overview of why they ought to be considered for an interview by stating qualifications and experience related to the job. Where to Find Cover Letter Sample for Resume Before interviewing for employment, be sure your letter is customized, your resume is polished, and youre prepared for anything. On the flip side, if you know the job which youll be more impressive during the interview and is going to have a better chance of being employed. A cover letter is a significant part of the work search procedure and supports the resume in advertising your abilities. Your cover letter shouldnt be your opinion page, it should pay attention to your qualifications and the reason you should be considered for the job. Ideally, it should talk about the company for which you are applying. Target A cover letter needs to be tailored to a certain firm. Your cover needs to be spellbinding You are able to employ your cover letter to provide the reader a concept of who you are and why youre excellent for the job. At precisely the same time, its important to include things like an ideal cover letter to grab the eye of the recruiter. You should find out how to compose a cover letter that will stick out from the rest When youre looking at how to compose a cover letter, dont forget that you shouldnt get too elaborate. A cover letter is the initial impression you give when youre job seeking. The work cover letter needs to be short and easy. Ultimately, cover letter examples provide the position-seeker the chance to understand what tone to use in writing their application letters. At the same time that you need to understand the fundamental elements of what defines a good cover letter, you wont be burdened by formatting issues or other similar distractions. Also, before you begin writing, you need to make sure you identify first the kind of cover letter that is quite applicable to your goal. Always mention the name of the school although you will use the identical cover letter for each of your applications. Characteristics of Cover Letter Sample for Resume If you are uncertain how to compose a cover letter, you will see quite a few totally free templates online. The majority of the letters consist of particular rules, advice, and format which you have to follow. You may believe you simply require a single sample cover letter, but its actually worthwhile to think about writing a couple of diff erent cover letters samples. It is essential that youve got a professional looking letter and you adhere to a right format.

Get HELP Government financial assistance

Get HELP Government financial assistance Get HELP Government financial assistancePosted March 17, 2015, by Career FAQs teamPaying for study with a HELP loan scheme is a great way to make education affordable. But who actually qualifies for HECS-HELP or FEE-HELP? And, when do you have to departure paying back your loan? Weve put a spotlight on the governments Higher Education Loan Program (HELP) to help you find the right financial assistance option for you.HECS-HELPWhat is HECS-HELP?The HECS-HELP scheme provides you with access to a loan to help you pay your student contribution amount, with the added incentive of a discount for upfront payment of your tuition fees.Am I eligible?You mustBe studying in a subsidised enrolment at university known as a Commonwealth Supported Place.Be an Australian citizen or permanent humanitarian visa holder.Enrol with an approved provider, by the census date.When do I starting paying back my loan?Youll start repaying your HELP debt once your taxable i ncome reaches the compulsory repayment threshold. This threshold is adjusted every year. The threshold for 2019-20 is $45,881.Is there anything else I need to know?HECS-HELP debts dont incur interest, but are indexed annually in line with the Consumer Price Index (CPI). The indexation rate for 2019 is 1.5%(reviewed and updated annually in March)Disclaimer This information is correct at the time of publishing, but is subject to change under the current governments higher education reforms. The figures provided are applicable for the 2019-20 financial year only. For more information, visit StudyAssist www.studyassist.gov.au.To get started with your HECS-HELP application, or for more information, you can head to the StudyAssist website.Browse through our range of online courses that are covered by HECS-HELP.FEE-HELPWhat is FEE-HELP?FEE-HELP is a loan scheme to help students pay all, or part, of their tuition fees. You can only access FEE-HELP if youre planning to study at a univers ity or other private higher education institution that has been approved to offer FEE-HELP to eligible students.Am I eligible?You mustBe enrolled in an eligible unit of study, offered by an approved FEE-HELP provider, by the census date ANDBe an Australian citizen undertaking one unit of study in Australia ORBe a permanent humanitarian visa holder, residing in Australia for the duration of your unit ORBe a permanent visa holder undertaking bridging study for overseas-trained professionals, and residing in Australia for the duration of study.When do I starting paying backYoull start repaying your HELP debt once your taxable income reaches the compulsory repayment threshold. This threshold is adjusted every year. The threshold for 2019-20 is $45,881.How much can I borrow?In2019 you can borrow up to $104,440 under the FEE-HELP scheme. For students studying medicine, dentistry and veterinary science courses, the FEE-HELP limit is $150,000.Is there anything else I need to know?There is a 25% FEE-HELP loan fee applied to undergraduate courses. This does not count towards your FEE-HELP limit and is calculated for each individual unit you undertake. HECS-HELP debts dont incur interest but are indexed annually in line with the Consumer Price Index (CPI). The indexation rate for 2019 is 1.5% (reviewed and updated annually in March)Disclaimer This information is correct at the time of publishing, but is subject to change under the current governments higher education reforms. The figures provided are applicable for the 2019-20 financial year only. For more information, visit StudyAssist www.studyassist.gov.au.To start your FEE-HELP application, or for more information, head to the Study Assist website.Browse through our range of onlines ocurses that are covered by FEE-HELP.2019-2020 Repayment rates2019-2020 Repayment ratesRepayment % rateBelow $45,881NIL$45,881 $52,9731.0%$52,974 $56,1512.0%$56,152 $59,5212.5%$59,522 - $63,0923.0%$63,093 - $66,8773.5%$66,878 - $7 0,8904.0%$70,891 - $75,1444.5%$75,145 - $79,6525.0%$79,653 - $84,4325.5%$84,433 - $89,4986.0%$89,499 - $94,8686.5%$94,869 - $100,5607.0%$100,561 - $106,5937.5%$106,594 - $112,9898.0%$112,990 - $119,7698.5%$119,770 - $126,9559.0%$126,956 - $134,5729.5%$126,956 - $134,57210% ResourcesMy first resumeCover letter for my first jobCareer Insider StoriesShelley Lask - Body Positive Health & FitnessInterested in becoming a?Human Resources OfficerGeneral ManagerBusiness ManagerAccountantOffice Administrator CoursesBachelor of Social WorkEnquire ansprechbar Enquire OnlineCertificate III in Health AdministrationEnquire Online Enquire OnlineBachelor of Criminal JusticeEnquire Online Enquire OnlineCertificate III in Allied Health AssistanceEnquire Online Enquire OnlineCareer FAQs teamRelated ArticlesBrowse moreInterview questionsInterview tips9 Illegal Interview Questions to Look Out ForCan you ask that? Heres how to best recognise illegal questions next time you go for a job interview. From rel igion to marital status, age, disability and more, we show you what red flags to look out for.Charles Sturt University (CSU)CommunicationsHow to Make Your Mark in the CommunicationsThe communication industry is all about telling stories. Learn strategies to build your career as a professional in communications and ensure your stories get seen, heard or read.CAREER ADVICECAREER INSPIRATIONThe Curiosity Quotient - What Is It and How Do I Get Me Some?A curious person is open to learning and continues to improve continuously. Curiosity inevitably leads to real passion and success is driven by passionate people. want to learn how you can improve your curiosity quotient?

Layoffs and Taxes Cut Yourself a Break

Layoffs and Taxes Cut Yourself a BreakLayoffs and Taxes Cut Yourself a BreakHow to get your credit and budget stable when youre unemployed.Unless youve filed for an extension, chances are your 2008 taxes are behind you. But what sort of tax planning should you be doing for 2009 if youre currently between jobs?Sure, getting laid off means having to deal with a lot of things youd rather not. But figuring out what taxes for which youll be obligated - especially on benefits you get only because youve been laid off - seems like adding insult to injury.Yes, you may be obligated to pay taxes on unemployment insurance payments. At your local unemployment office you can fill out a Voluntary Withholding Request (W-4V) and ask that 10 percent be withheld for federal taxes it wont cover the whole bill but will make that part easier.You dont have to pay taxes on COBRA health-insurance benefits or many other unemployment insurance benefits, such as paid outplacement or job counseling.But this yea rs taxes are not the issue, according to Brad Rosenberg, president of Brad S. Rosenberg CPA of Nassau County, Long Island.The issue the recently laid off have to deal with first is how to pay their living expenses and how to get back on a stable footing, whether that means full-time employment, consulting or freelance work, or some combination of the two.Put off thinking about taxes youll have to pay on this years diminished income, Rosenberg said. Instead, focus on minimizing spending to create a bubble of security that can carry you through your job search.The first thing is you need to find out is if theres a severance package available and if it is, what delivery method is available to get it over a longer period of time rather than in one lump sum, said Rosenberg, a tax expert to whom Ladders own HR department refers questions.If you are given the option of receiving severance in one lump sum or spread over several months, you should consider the tax implications of your decisi on, according to Alan Federman, Ladders financial controller. For example, if you have fulfilled your FICA obligations for the current calendar year, it may be advantageous to take as much of the severance as you can in that year. Alternatively, you may have some tax events in the future (e.g., an expected real-estate sale or new family additions) that make spreading or deferring the payments a better alternative, Federman said.Spreading out your severance payments does have an impact on cash flow, Rosenberg said. And human nature is such that the psychological boost of knowing youre still getting a paycheck every week or month means that, emotionally, youre still getting income. That eases the blow of being unemployed.Money has a tremendous impact on morale and motivation, especially for job hunters in a lean economy, Rosenberg said.That may mean bending some other normal practices for the short term.Easing the crunchRather than paying off credit-card debt quickly to minimize long- term interest payments, unemployed job seekers should consider paying the minimum amount each month. Or even nothing, Rosenberg said. Contact the credit-card company. Some of them have programs that will give people a reisepass for a few payments, and there is legislation thats part of the recovery package that may put presaya on credit-card companies to do that as well. They know that, so a lot of them are willing to wait. And there are a lot of nonprofits that can work with you to help work out payment plans as well.More importantly, residence costs have to be decided differently. Renters are in a worse position than owners because its easier in most states to evict people for nonpayment of rent than it is to foreclose on a mortgage and resell the property.Thats one of the decisions you have to make to nail down a budget with the absolute minimum of your living expenses - costs for school, food, auto, whatever it costs you per month, Rosenberg said. Then you add up your savings, severance, unemployment to figure out how to make your nut.Only after youve nailed down immediate cash-flow questions and begun your job-search or recovery plan should you worry about taxes youll have to pay during this year, he said.Job loss is very disruptive. It throws a big wrench into plans people have, according to Roy Cohen, who holds the title master career coach at the Five OClock Club, a private outplacement and career-counseling club based in Manhattan.Although neither he nor the Five OClock Club can offer financial advice or evaluations, Cohen said unresolved financial questions can keep clients from focusing all their energy on networking and strategy, or even deciding how long they can afford to look for a job.If I know the client can manage for a year, we can take a more thoughtful, strategic course of action, Cohen said. If they have no cushion, I know we have to be very aggressive - doing triage, making sure the resume is terrific, getting them out there talking t o recruiters and looking for consulting or permanent opportunities. It has to be part of how you present yourself.Part of that presentation may be admittedly temporary. There are a lot of former executives doing consulting work, sometimes below their former pay or seniority grade, just to keep money coming in, Cohen said.When your financial situation stabilizes a bit - not meaning its back to normal, but that you have done what you can to minimize your payments and focus on your job search - thats the time to think about improving your tax situation for next year.If you do any consulting or freelance work at all, for example, you can write off most expenses directly related to getting or doing that work, he said. That may include cell-phone use Internet service and networking expenses, such as professional association memberships.But remember The IRS requires that you pay Social Security and Medicare taxes on any of that income. For the self-employed, that means paying both the em ployers and the employees share of Social Security. IRS guidelines say consultants should pay quarterly, at a tax rate based on estimating your income for the whole year based on what youve made during the previous three months.More-detailed instructions are available at Social Security Onlines electronic fact sheet. There are plenty of erreichbar guides and tools, and nonprofit credit-counseling agencies can help make decisions, but the IRS is still the best source for information on tax requirements and often writes those descriptions in language non-specialists can understand.Reliable investment and credit advice is sometimes hard to come by, especially on the cheap. Rosenberg recommended calling your state CPA society and asking for a referral to a nonprofit credit-counseling agency that can offer more-detailed tax and credit advice. Its usually free, he said, and often quite good.And youll want to reconfigure some of your investments as well. Rather than leave money in the stoc k market, you might want to move it into certificates of deposit, treasury bills or other stable investments, Rosenberg said.When your living expenses are covered, you can go back to being a little more daring in your investment approach, Rosenberg said. That all changes when theres no more income coming in.

5 unorthodox habits all successful people have

5 unorthodox habits all successful people have5 unorthodox habits all successful people haveWhen we talk about the traits that make people successful, the usual suspects are confidence, persistence, patience, etc.We tend to reduce success down to the simple formula ofBelief in yourself + Running the marathon.And for the fruchtwein part, Id agree that is its most common denominator.But what about all the other little traits you have to pick up along the way?What about the little things you have to learn to make the most out of that path?Here are five unconventional traits that I have seen carry some very successful people forward1. HumorThe ability to laugh and lighten a room is contagious.When you laugh, or you make someone else laugh, others cant help but join in.As much as we would like to believe the strong-arm approach to business is the most effective, the truth is, You catch more bees with honey than vinegar.If you can make people feel comfortable enough around you that they ca n laugh and open themselves up to the moment, chances are they will be far more willing to help you with whatever challenge youre facing.Why?Because they feel like they are close to you?- ?that they can trust you.2. HumilityConfidence and belief in yourself is required to be successful at anything?- ?thats a fact.But there is a clear difference between confidence and arrogance, and arrogance tends to turn people off.Humility, on the other hand, gives others the opportunity to come to you?- ?instead of you having to prove yourself to them. I believe the reason humility is such an effective trait is because you cant fake humility.Even if you say the words, Oh, I just love what I do, unless you give off the vibe that you truly mean what you say, most people will see right through you.Some people are just born humble.For the rest of us, it takes practice letting go of our ego.3. ArticulatenessThe art of speech is so undervalued.If you are articulate, if you know how to let your confiden ce be heard through your voice, if you know how to let the ends of your words land from the heart without being cut off from nervousness or fear of rejection, then you possess a great gift.When we hear articulate people speak, we believe them.We want to follow them.We hang on their every word and listen with wonder as to how they can command the air around them. Articulate people choose their words carefully.They dont just say things?- ?they paint them.If you want people to actually listen to you, master the art of speech.4. StudyAlthough the leaders of industries might appear in the bright lights, known for their fame and fortune, the reality is many (if not all) of them make a considerable amount of time to continue studying their craft.They sit in silence and work.They study their contemporaries and their competition.They constantly push themselves to be better today than they were yesterday.It can be very, very easy to obtain a level of success and then get complacent, thinking youve made it. However, once the complacency kicks in, you will quickly lose whatever it is youve obtained.Constant reinvention is required to keep building and moving forward, and you do that by always returning to your workspace and making time to study your craft.This habit requires a significant amount of discipline.5. ListeningEven if it might not seem as such, successful people are tremendous listeners.Listening intently is a crucial part of growing and developing yourself and your craft or company.You have to listen to find opportunity.You have to listen to hear what people actually want.You have to listen to understand your competition.You have to listen to know whom youre talking to and what theyre interested in.You have to listen to cut through the noise and know where to move next.And you have to listen in a way that makes every single part around you feel understood and believe they can trust you.Listening isnt just a trait of the successful.It is a trait of the truly gr eat, the ones who can lead themselves and their teams to victory.Saying nothing at all sometimes says the most.Remember the importance of listening.This article was originally published on Medium.

Top 8 Best Job Search Websites of 2016

Top 8 Best Job Search Websites of 2016 Top 8 Best Job Search Websites of 2016 Some job search sites can make finding the jobs best suited to you simple. Others, like those that give you job search advice, can help you fill in the gaps that youre missing in your application package. Here, well review eight of what we think are the best job search websites of 2016.CareerealismCareerealism posts useful tips in blogs and sends out a daily newsletter detailing job search and career development suggestions. The sites CEO J.T. ODonnell has nearly two decades of experience in HR and recruiting and more than a million followers on LinkedIn. The website also has a Recruiter Directory that you can search to connect with recruiters. We particularly like Careerealisms Sneak Peeks, or feature articles about companies you might want to explore further.Career SherpaA website created by Hannah Morgan, a job search and career coach, Career Sherpa gives you job search advice, including tips on persona l branding and job search navigation tools. We think Career Sherpa is one of the best job search websites because Morgan provides a unique perspective on building an zugreifbar presence, creating an infographic resume, and choosing persuasive accomplishment statements. The MuseStylish, up-to-the-minute, and contemporary, the Muse provides career advice from some of the top resume experts. Think of it as a great resource for the kind of person who wants to have a life aside from her job. Offering job search advice and tips for the workplace once youve been hired, the Muse provides the kind of real, upfront talk that keeps you motivated through what can be a difficult and long-term project searching for the job you want and keeping the job you love.Charlie AppWhile its technically an app and not a website, we love Charlie App too much not to mention it. For interviews, you want to have information about the people youll meet and the organization youll be talking about so you know how to impress during your interview. Charlie App searches through information about your interviewers and the company, and then provides you a one-page summary that helps you better prepare.Ask a ManagerIf you want the inside scoop about how hiring managers think, it only makes sense to Ask a Manager. Thats the purpose of what we think has been one of the best job search websites of the year. Former manager Alison Green answers real questions about careers, interviews, and management in upfront, truthful blogs. LinkedInRecruiters love LinkedIn because its so easy to use. Recruiters can search for candidates by work history, job titles, or college. Its often used to search for candidates who arent actively looking for new jobs. If you update your LinkedIn profile regularly, the social media platform can be a great tool for networking and recruitment. USAJobsIts the federal governments database for hundreds of job listings across every federal agency and organization across the United St ates. We like USAJobs because it offers the latest job postings and designs searches specifically for senior-level executives, students, and veterans. Learn how to write a federal resume.LaddersOne of the best up-and-coming job search sites, Ladders, gives you the details on recruiters search patterns and exclusive job postings sometimes before theyre even posted. Ladders job search algorithm also matches you with the most relevant job opportunities available for your particular skillset. Once youve optimized your job search and resume using these tools, scan each potential job posting and your resume through Jobscan. The tool will give you suggestions for how to make your resumes keywords match those on the job description. Remember, a good match between desirable skills and the words on your resume is the only way your application will make it to a real person. Recruiters find candidates resumes the same way we use Google to find websites with keywords that best match the qualit ies theyre searching for.