How to Ace a Skype Interview

How to Ace a Skype InterviewSkype interviews have become more common when it comes to interviewing potentialemployees. But being on either side of the camera is not as simple. As a potential employee, how do you ace an interview virtually? Here are some tips to help both the employer and employee have the best Skype interview experience. googletag.cmd.push(function() googletag.display(div-gpt-ad-1467144145037-0) ) Source Viking

How to Manage Your Money to Ensure Youre Saving Enough Each Year

How to Manage Your Money to Ensure Youre Saving Enough Each Year Budgeting your spending is a financial task that we all know we should do but takes time and effort to reach a financial goal. While working to pay off credit card debt, carefully monitoring our savings, and keeping an eye on numerous bank account balances, we usually know we should be saving more. But real life gets in the way.I get it. But, without a plan to save, the temptations of daily life credit cards, low-interest financing, a girls night here and there will cause us to unintentionally spend more than we mean tospend.While it can be a good idea, you dont necessarily need to hire a financial planner to help you figure out your financial situation and set up a spending plan. Heres how to manage your money yourself to make sure youve got some cash flow into the bank account to pay your bills and keep yourself out of debt and any other unpleasant financial situation so you can reach any financial goal you have in mind.If you arent inclined to build a detailed budget, here are some actions you can take to manage your money to ensure youre saving enough each year...First, start automatically saving in an emergency kenntniserlangung. If you havent created a separate savings account to cover emergencies, start today. I recommend keeping your emergency entdeckung in a different account than your everyday spending, and the best way to start saving is to set up an automatic deposit from your checking account. Do this to coincide with your paycheck, and youll barely notice the difference.How much should you transfer each paycheck? Start with the highest number you feel comfortable with this may be $20, $200 or more. Put a note in your calendar to increase the amount at least once every three months. When you increase, do so by at least $5 more, if youve got the wiggle room.Next, determine how much you need in the emergency entdeckung. Once youve started saving regularly in your emergency kenntnis erlangung, take a moment to calculate your goal. fruchtwein advisors suggest three to six months of basic expenses in your emergency entdeckung. If you are starting your emergency fund, aim first for three months once you hit that goal, you can decide if youd like to save more.Basic expenses reflect the things youd need to pay for if you were unemployed (and typically dont include discretionary spending like eating out). To calculate your monthly basic expenses, look at your housing (mortgage / rent), grocery bills, any loans (car, education, etc.) and utilities like power and water. Add these categories and multiply the total by three to get your emergency fund goal.You might not meet this goal right away. Thats fine youre working towards it, and that progress will continue to add up over time. Having an emergency fund in place provides you with a buffer that helps protect for lifes unexpected curveballs.After youve started your emergency fund, start saving for retirement. Yes, y ou read that right retirement This is particularly important for women, who need to save more than men for retirement (we generally make less, invest less and live longer.)To start saving for retirement, you should first decide which type of account youll invest in. Typical retirement accounts include employer-sponsored plans like a 401(k), or Individual Retirement Accounts, commonly called IRAs. You can learn more about the differences here.Next, youll select a financial institution (like Vanguard, Fidelity, or Charles Schwab) to open your retirement account with. If your account is provided by your employer, then they will already be partnered with a financial institution.To start investing, youll need to then select your investments and fund the account. Selecting investments can feel overwhelming if you are new to investing, but remember the financial industry makes a lot of money from confusing average investors. Generally, when you are investing in retirement, youre choosing between different mutual funds. Mutual funds are investment vehicles that allow us to buy many, many stocks in just one purchase. I prefer these to individual stocks because you can own hundreds of companies in each share. This helps you avoid one of the money mistakes Ive made investing in one company and losing everything. However, theres a twist All mutual funds are not equal. Mutual funds can be designed to fit different types of investment goals. My favorites are mutual funds that mirror a large, diverse market. One example is the Vanguard 500 Index Fund (ticker symbol VFINX). One share of VFINX includes just over 500 companies, including Apple, Berkshire Hathaway, Procter Gamble, Starbucks, Goldman Sachs and Southwest Airlines. Funds like VFINX are low cost because they dont employ lots of people trying to analyze stocks and beat the market. Instead, this fund automatically includes the 500 largest US companies. This saves you moneyHeres what to watch out for when picking mu tual fundsWhats the expense ratio? This is how much the company that manages the fund charges you for their work. An average expense ratio is around .6 percent meaning, for every $100 you have invested, the fund rakes in 60 cents. Sounds small but tiny fees make a meaningful difference in your wealth over the long term. Vanguards average expense ratio is .12 percent meaning, for every $100 you invest in a Vanguard mutual fund, they charge 12 cents. Thats much, much lower, and it lets you keep more of your hard-earned money.Are there other fees? It can be costly to create fancy, actively-managed mutual funds. So, look carefully for purchase or redemption fees, or 12b-1 fees (marketing or distribution fees.) Ask, ask, and ask again about fees before investingWhats the 10-year return? How did this fund perform over the last decade, compared to the SP 500? The SP 500 is a very common performance benchmark because it includes the 500 largest U.S. companies. If the mutual fund seriousl y underperformed the SP 500, it may not be worthy of your hard-earned money.After youve decided how youll save for retirement, you need to start saving - preferably by investing automatically. Automatic saving will help your retirement savings begin to grow - but how much should you be investing in your retirement? At first, start with as much as you can afford. Remember, many retirement accounts allow you to invest with pre-tax money. This means you can divert money earned into your retirement without paying out first to Uncle Sam.Further, if you have an employer that matches some percentage of your investment, then aim to contribute at least that much. This will allow you to take advantage of this free money from your employer. If you arent sure, contact your Human Resources department and ask about the retirement benefits offered, and specifically whether your company offers an employer match for any retirement investments.Realistically, no one can tell you exactly how much of yo ur income you should be setting aside for retirement. However, there are a few rules of thumb to keep in mind.General guidelines suggest 10 to 15 percent of your total income. This may not be possible right away, so start with what you can afford, and increase your savings annually (or on a more regular basis).Financial providers offer calculators that can help you determine how much you should save. If youre analytically minded and particularly interested in finance, you may find these helpful. Some find the many inputs required to be overwhelming.The number one financial regret of todays Baby Boomers is not saving for retirement early enough, so saving something now is always better than putting off investing.Once you have your emergency fund and basic retirement investing taken care of, you can start to focus on other types of savings. Here are some other ways you can manage your money to ensure youre saving enough.Are you saving for upcoming large expenses? A regularly funded sa ve-to-spend account can ease future financial burdens. I have a save-to-spend savings account for travel, home projects, and car maintenance. I estimate the annual costs of these items, and automatically transfer a monthly amount into my save-to-spend savings. This is separate from my emergency fund, which I only touch in the event of a real emergency. No, a Caribbean vacation in the dead of winter does not count as an emergencyHave you started college savings plans for your kids? You should only begin investing in this once you have secured your own retirement investments. Kids can take loans, work while attending school, start at a lower-cost community college to offset the tuition burden and pursue scholarships. You cannot do any of those to fund your retirementAre you ready to invest outside of retirement? This is where you create additional financial security and flexibility. Investing in a regular (non-retirement) account means that you can access the money with ease at any po int in time, which is a pathway to powerful financial freedomGenerally, the most powerful way to manage your money to ensure youre saving enough is to automatically save money and put it in accounts that align with your goals and objectives. This approach - paying yourself first - means that you arent saving what is left over, but are spending what you havent yet saved.--The Feminist Financier is on a mission to help women build wealth and own their financial independence, by improving financial literacy and taking the mystery out of money. Ms. Financier is also a shoe addict, travel fanatic, and wine enthusiast.

What You Dont Know About Writing a Resume when You Didnt Complete College Could Be Costing to More Than You Think

What You Dont Know About Writing a Resume when You Didnt Complete College Could Be Costing to mora Than You Think Make certain to include any honors, if at all possible, and your grade point average if its high. When youre applying for work, odds are either you still havent completed your degree or you dont mean to finish it any time soon. Obviously, you wouldnt incorporate a degree here as you have never been awarded one. In the event the degree you are now pursuing doesnt completely relate to the job youre looking for, then you might want to omit it or put it at the conclusion of your resume. What You Should Do About Writing a Resume when You Didnt Complete College Beginning in the Next Eight Minutes You are able to have the ideal college admissions resume on earth. Youre going to find the very best college application resume on Earth. Next, you are going to find out how to earn a college resume prepared for the big leagues Youve just what it requires to be successful in college. The Death of Writing a Resume when You Didnt Complete College You are going to have far better probability of convincing an employer that youre a strong candidate if you create a personal connection with a hiring manager. You ought to avoid misleading a hiring manager into believing youve graduated and got a degree whenever you have not. Try to remember, Ryan states, a resume is not about what you desire. The 5-Minute Rule for Writing a Resume when You Didnt Complete College Employers go through several resumes a day and the majority of them have the very same format and dont say a lot about the applicant. Once your very first draft is finished, its still true that you havent completed all the measures to writing a resume. The format of your resume will heavily be based on the information that you need to work with. Where to Find Writing a Resume when You Didnt Complete College Competition in the work market is so substantial today. You ought to make certain you get a unique resume for each job that you apply for. Of course if youre asking for a particular job, its simple enough to amend a resume to incorporate an objective that matches the work description. With a professionals help, you can have the ability to craft the sort of resume every employer would like to see. The simple fact that youre pursuing additional education could make you more marketable to employers, plus you are going to be taking steps to make sure youve got the credentials to be successful in a competitive job industry. There are two major kinds of resumes. List the technologies you wish to work with first.