Dont Get Creative With Your Resume

Dont Get Creative With Your Resume Dont Get Creative With Your Resume Well, guess what? Its not going to work. Its time to stop fooling around with your resume and stick to the tried and true.U.S. News World Report published an interestingarticle on the subject. The problem with this strategy, the article says is that hiring managers can see right through the most common resume tricks, and using them will usually backfire on you.Here are some of the tricks it suggests avoiding and why1. Using a functional resume instead of a chronological resume to hide weaknesses in your work history.According to the article, employers knowjob seekers use functional resumes to hide gaps in their work history. Funnily enough, this commonly suggested trick is little more than a red flag for most employers.2. Shortening your resume by shrinking the margins and font instead of cutting content.Employers are aware of this strategy, too. All it shows them is that you dont know how to edit your work prop erly.3. Leaving dates off your resume to avoid age discrimination. Dates of employment are such a standard part of resumes that employers will notice if you dont include them.U.S. News World Report compares leaving dates off of your resume to leaving the house without your pants.On her blog, job coach Susan Ireland says, As a general rule, you dont need to go back more than 10 years however, if its to your benefit, you may go back further.In order to decide how far back you should, Ireland suggests asking yourself a few questions, including How old do you want to appear on your resume? and How relevant are your earlier lages to your job objective?. You can read the full list on her blog.4. Littering your resume with keywords to get by resume-screening software.U.S. News World Report says that a significant number of companies dont even use resume-screening software especially smaller companies so this trick is generally useless. If the company does use resume-screening software, theres a good chance theyll find you, even without the barrage of keywords provided youre qualified for the position in the first place.5. Using a fancy or unusual resume design to stand out and catch the hiring managers eye.U.S. News World Report says that unusual resume designs sacrifice content for flash. Hiring managers dont want flash they want easily accessible, relevant information.Thisreminds me of a kid at my college. He put his resumes on grocery bags. His tagline was, Im so willing to work for you I would brown-bag it every day. It seemed clever, but nobody knew exactly what the heck he was talking about. Nobody could figure out what packing your lunch had to do with landing a career.Master the art of closing deals and making placements. Take our Recruiter Certification Program today. Were SHRM certified. Learn at your own pace during this 12-week program. Access over 20 courses. Great for those who want to break into recruiting, or recruiters who want to further thei r career.

Trudeau Do you want to win an argument or change the world

Trudeau Do you want to win an argument or change the worldTrudeau Do you want to win an argument or change the worldBelow is the transcript (and video) of Justin Trudeaus commencement speech to NYUs Class of 2018Bonjour tout le monde Merci et flicitationsI am very happy to be here with you today, deeply honored. Thank you for that kind introduction, Niobe. Andy, its wonderful to see you again. I am so grateful for the honor you and NYU have given me today. Now, you know - you may elend know, but Andrew is an honorary Canadian and British Columbian because, like me, he studied at the University of British Columbia back in the day. It makes me proud that Canada welches part of Andrews formation, just as NYU has helped form so many amazing Canadians, including two members of my own staff.Im actually told that 180 of the NYU class of 2018 are Canadians. Hello Welcome, my friendsI have to say, to be here now, speaking with all of you - in Yankee Stadium, one of the greatest places in on e of the greatest cities on Earth - is more than a little humbling. My friends, you are now NYU graduates - the best and the brightest. You have great potential and possibilities. And therefore, you have enormous responsibility, too. So today, Id like to talk about the nature of both those things, and Id like to offer you a challenge. One that I think is essential for your future success as individuals, and as the leaders that you are becoming.Itscommencement seasonFollow LaddersCommencement Addresses magazine on Flipboardto watch and read all of the fruchtwein inspiring speeches from this year and years past.Among the many things I admire about NYU, is that about a fifth of the students are international. And a similar proportion are the very first in their families to go to college. This group is truly diverse in every possible way. And I think that is an extraordinarily valuable and important thing. When I graduated in the early 1990s, I went on a trip around the world with a f ew good friends - who actually remain good friends to this day, which is sort of a miracle.We trekked and traveled, mostly over land, from Europe to Africa to Asia. And that remains one of the great formative experiences of my life. It welches an amazing adventure.Le voyage sest aussi avr essentiel mon ducation au sens plus large du terme, parce que jai d, pour la premire fois en tant quadulte, rencontrer, changer et tisser des liens damiti avec des gens qui ne partageaient toujours pas mes opinions, mes expriences, mes ides et mes valeurs.It welches also a really important contributor to my continued, broader education. Because it forced me, really for the first time as an adult, to meet, engage, befriend people whose views and experiences, ideas, values and language were very different from my own. When a kid from Montreal meets a Korean fisherman living in Mauritania, befriends a Russian veteran of their Afghan war, or a shopkeeper and his family living in Danang, interesting c onversations always happen. Now, maybe some of you have talked about doing something like a great trip like that after graduation. But Id be willing to bet one of the first things you heard was a warning You cant do that in this day and age. Its notlage safe But heres my question Is it really just the issue of physical safety that makes our loved ones so anxious at the idea of us getting out there, or is it the threat that if we look past our frames - the frames of our own lives, of our own communitys structured values and belief systems - to truly engage with people who believe fundamentally different things, we could perhaps be transformed into someone new and unfamiliar to those who know and love us?See, theres no question that todays world is more complex than it was in the mid-1990s. There are serious and important problems that we are grappling with and will continue to grapple with.But we are not going to arrive at mutual respect, which is where we solve common problems, if we cocoon ourselves in an ideological, social or intellectual bubble. Now, we can see it all around us - theres a peculiar fascination with dystopia in our culture today. You see it everywhere on film and TV, but the truth is that, on balance, we have the good fortune to live in a time of tremendous possibility and potential a time when it is within our grasp to eliminate extreme poverty, to end terrible diseases like malaria and TB, and to offer a real chance at an education to everyone on this planet.But for us to move forward, to keep moving and moving forward, we have to do it together - all together. Humanity has to fight our tribal mindset. We go to the same church? Cool, youre in my tribe. You speak my language? Youre in my tribe. Youre an NYU alumni? Youre in my tribe. You play Pokmon Go? Youre a vegetarian? You like the Yankees? You go to the gun range? Youre pro-choice? Tribe, tribe, tribe. But of course, its not the belonging part that is the problem, its the corollary You are part of my tribe, and they are not.Whether its race, gender, language, sexual orientation, religious or ethnic origin, or our beliefs and values themselves - diversity doesnt have to be a weakness. It can be our greatest strength. Now often, people talk about striving for tolerance. Now, dont get me wrong there are places in this world where a little more tolerance would go a long way, but if were being honest right here, right now, I think we can aim a little higher than mere tolerance.Think about it Saying I tolerate you actually means something like, Ok, I grudgingly admit that you have a right to exist, just dont get in my face about it, and oh, dont date my sister. Theres not a religion in the world that asks you to tolerate thy neighbor. So lets try for something a little more like acceptance, respect, friendship, and yes, even love. And why does this matter? Because, in our aspiration to relevance in our love for our families in our desire to contribute, to make thi s world a better place, despite our differences, we are all the same.And when you meet and befriend someone from another country or another culture who speaks a different language or who worships differently, you quickly realize this. And heres my main point, and the challenge Im offering you today. ur celebration of difference needs to extend to differences of values and belief, too. Diversity includes political and cultural diversity. It includes a diversity of perspectives and approaches to solving problems. See, its far too easy, with social media shaping our interactions, to engage only with people with whom we already agree - members of our tribe. Well, this world is and must be bigger than that.So here is my request As you go forward from this place, I would like you to make a point of reaching out to people whose beliefs and values differ from your own. I would like you to listen to them, truly listen, and try to understand them, and find that common ground. You have a worl d of opportunity at your fingertips. But as you go forward from here, understand that just around the corner, a whole different order of learning awaits, in which your teachers will come from every station in life, every education level, every belief system, every lifestyle. And I hope you will embrace that. You have been students, you will continue to learn all your lives, but now it is also time for you to become leaders.In every generation, leaders emerge because they one day awake to the realization that its not up to someone else to fix this problem, or take up that cause. Its up to them. So now is the time for you to lead.Leaders. Now, Im sure thats a word thats been tossed around you and at you quite a bit over the past few hours, days, weeks and years. Leaders of tomorrow. Leaders of today. But what does it mean? What attributes does a 21st century leader need to have? What do people need most from their leaders today and tomorrow? Now, I think you need to be brave. Really b rave. And I know, when you think of courageous leaders, you think of those folks who stood implacably and fearlessly, anchored in their sense of rightness, willing to pit their ideals against all comers, against the slings and arrows aimed their way. Well, I dont think thats brave enough. I dont think thats good enough for what our shared future will ask of you. I actually dont think its ever been good enough.Let me tell you a bit about Wilfrid Laurier, a promising young lawyer at the end of the 19th century, who would go on to become my second-favorite Prime Minister. He was raised and educated as a proud, Catholic French-Canadian, an exemplary representative of one side of the two identities that had come together to found Canada just a few decades before. The two solitudes - the other half being English-speaking, Protestant, and fiercely loyal to the British Crown - accommodated each other, cooperated together, and generally put up with each other to build our country, but stil l felt all too well the divisions and fault lines that had led them through almost a millennium of tensions and wars between English and French. It was impressed upon young Wilfrid by his teachers and elders that he must stand up unflinchingly for the values and the identity of his heritage, those beliefs and approaches that were his birthright, and would be his legacy. That, they told him, was leadership.But Wilfrid grew to believe otherwise. He realized that its actually easy to stand rooted in the conviction that you are right, and either wait for others to come to you, or wait for your chance to impose your rightness on others. He saw that its actually harder to seek compromise, to dig deep into yourself, your ideas and convictions, honestly and rigorously, to see where you can give and where you do need to stand, while opening yourself up to the other point of view, to seek out and find that common ground. And that remains Wilfrid Lauriers political legacy, more than 100 years later. To let yourself be vulnerable to another point of view - thats what takes true courage. To open yourself to anothers convictions, and risk being convinced, a little, or a lot, of the validity of their perspective.Now thats scary discovering that someone you vehemently disagree with might have a point. Might even be right. But it shouldnt be scary, or threatening. Particularly to all of you, who have worked so hard these past years to pursue truth, to learn, to grow. Being open to others is what has gradually led Canadians to the understanding that differences can and must be a source of strength, not of weakness. And I say gradually, because 20th century Canadian history is filled with counter-examples and terrible setbacks that we are still trying to remedy today, most notably the systemic marginalization and unterdrckung of Indigenous Peoples. Were not perfect, of course, but that sense of openness, respect for other points of view, and acceptance of each other really does underpin our approach as we try to solve the great problems of our time. And not because were nice - but of course we are - but because by bringing together diverse perspectives, you get a much better shot at meeting those challenges. And thats how we come back to you and the leaders the world needs you to be.Leadership has always been about getting people to act in common cause. Were going to build a new country Were going to war Were going to the moon It usually required convincing, or coercing, a specific group to follow you. And the easiest way to do that has always been through tribal contrasts They believe in a different God They speak a different language They dont want the same things as we do. But the leadership we need most today and in the years to come is leadership that brings people together. That brings diversity to a common cause. This is the antithesis of the polarization, the aggressive nationalism, the identity politics that have grown so common of late. Its ha rder, of course. Its always been easier to divide than unite. But mostly, it requires true courage. Because if you want to bring people around to your way of thinking, you need to first show them that you are open to theirs. That you are willing to enter into a conversation that might change your mind. Show respect for their point of view, and you have a better chance of actually having them listen to yours. And regardless of what happens, you will have had a genuine exchange that focused on understanding, not on winning a debate or scoring points. And you will both be improved for it.Let me be very clear this is not an endorsement of moral relativism or a declaration that all points of view are valid. Female genital mutilation is wrong, no matter how many generations have practiced it. Anthropogenic climate change is real, no matter how much some folks want to deny it. But heres the question do you want to win an argument and feel good about how superior you are? Or do you actually want to change behaviors and beliefs? See, its been pointed out that one of the many differences between Abraham Lincoln and Jefferson Davis was that Davis preferred to win a debate, while Lincoln would rather win the war. And thats the question Do you want to win an argument or do you want to change the world?With malice toward none, and charity toward all. Let those greatest words of this countrys greatest president guide your ambitions, your hopes for yourselves, your families, your country, your planet. There is no shortage of cynicism and selfishness in the world. Be their answer, their antidote. I am abundantly optimistic about the future because of you. It is yours to make and mold and shape. The world eagerly awaits, indeed requires, your ideas. Your initiative. Your enterprise. Your energy. Your passion and compassion. Your idealism, and your ambition. But remember that true courage is the essential ingredient in all your efforts.Congratulations, Class of 2018. Now go chan ge the world.Merci.

Career Briefs - Facts About Different Occupations

Career Briefs - Facts About Different OccupationsCareer Briefs - Facts About Different OccupationsAre you looking for information on a career choice? Read these career profiles to get job descriptionsand learn aboutearnings, educational requirements, advancement opportunitiesand employment outlook for a variety of careers. See Also Careers A-Z Profiles, Quizzes, Personal Stories and Related Occupations A-B AccountantActorActuaryAdministrative Services ManagerAdvertising Sales RepAgricultural EngineerAnimal TrainerAnimatorAnthropologistArchaeologistArchitectArchivistAssessorAthleteAthletic CoachAthletic TrainerAttorneyAudio and Video Equipment TechnicianAudio EngineerAudiologistBarberBiochemist and BiophysicistBiomedical EngineerBiomedical Equipment TechnicianBoilermakerBroadcast Technician C Camera OperatorCardiovascular TechnologistCarpenterCashierChefChemistCity PlannerCivil ServiceCoachCompliance OfficerComputer and Information Systems ManagerComputer Hardware EngineerComputer Pro grammerComputer Software EngineerComputer Support SpecialistComputer Systems AnalystConservationistConstruction Equipment OperatorConstruction HelperConstruction ManagerCOO Chief Operating OfficerCook (Restaurant)Cook (Short Order)CosmetologistCost EstimatorCourt ReporterCrime Scene InvestigatorCustomer Service Representative D-E DancerDental AssistantDental HygienistDental TechnicianDentistDesktop PublisherDietitian and NutritionistDirectorDoctorEditorElectrical EngineerElectricianElevator MechanicEMT and ParamedicEngineerEngineering TechnicianEntrepreneurEnvironmental EngineerEnvironmental ScientistEnvironmental TechnicianEvent Planner F-H Fashion DesignerFast Food WorkerFinancial AdvisorFinancial ExaminerFishermanFitness TrainerFlight AttendantFootball CoachForensic ScientistFuneral DirectorGeographerGeoscientistGlazierGraphic DesignerGroomerHVAC TechnicianHairdresserHairstylistHealth Care CareersHealth EducatorHealth Services ManagerHeavy Equipment OperatorHelp Desk TechnicianH ome Health AideHuman Resources AssistantHuman Resources SpecialistHydrologist I-L Information Technology (IT) CareersInsurance AgentInterior DesignerInterpreterJanitorJudgeLaboratory TechnicianLaboratory TechnologistLandscape ArchitectLawyerLibrarian Library AssistantLibrary TechnicianLicensed Practical NurseLoan Officer M-N Makeup ArtistManagement Consultant or Management AnalystMarket Research AnalystMarketing ManagerMarriage and Family TherapistMasonMediatorMedical AssistantMedical ScientistMedical SecretaryMedical TranscriptionistMental Health CounselorMeteorologist (Broadcast)MusicianNail TechnicianNannyNetwork AdministratorNews AnchorNuclear Medicine TechnologistNuclear OperatorNurse (LPN)Nurse (RN)Nutritionist O-Q Occupational TherapistOccupational Therapy AideOccupational Therapy AssistantOffice ClerkOperations Research AnalystOptometristOrthotist and ProsthetistParalegalParamedicPerforming Arts CareersPest Control WorkerPharmacistPharmacy TechnicianPhotographerPhysical Ther apistPhysical Therapist AidePhysical Therapist AssistantPhysicianPhysician AssistantPilotPlumberPrincipalProducer (Film, Television, Stage, Video Game, Software)Project Manager (Construction)PsychologistPublic Relations SpecialistPublishing Writing and Editing R-S Radiologic TechnicianReal Estate AppraiserRegional PlannerRegistered NurseReinforcing Iron and Rebar WorkerReporterRespiratory TherapistRetail SalespersonSales RepresentativeShort Order CookSingerSkin Care SpecialistSocial WorkerSoftware DeveloperSpecial AgentSpeech PathologistSports Industry CareersStock TraderSurgical TechnologistSurvey ResearcherSurveyor T-Z Tax ExaminerTeacherTeacher, Self-EnrichmentTechnical Support SpecialistTranslatorTravel AgentTutorUltrasound TechnicianUrban PlannerVeterinarianVeterinary AssistantVeterinary TechnicianWaiter or WaitressWeb DeveloperWeb MasterWedding PlannerWriter More Careers By Field or Industry

5 Tips to Help You Make Better Presentations That Will Excite Your Audience

5 Tips to Help You Make Better Presentations That Will Excite Your Audience5 Tips to Help You Make Better Presentations That Will Excite Your AudienceBusiness presentations are an important part of everyday working life.Done right, theyre an excellent way to bring information and ideas to life. Done wrong, they have the potential to send your audience to sleep.Here are 5 steps to help you make your presentations more exciting and keep your audience alert and engaged.1. Know what you want to communicateAsk yourselfwhat makes your audience attend? What are they hoping to get from your presentation?Then make up your mind about what information you want to convey.Finally, see where these two intersect and stick to those key points.When looking to deliver what you set out to do, make aya your talk has a beginning, a middle and an end.Your slides will usually contain multiple points. Highlight one or two key messages you want your audience to take home, for example by putting a red text bo x around a key point when designing the slide in PowerPoint.And remember, its better to finish early than to overrun. Keep it under 20 minutes (unless youre a keynote speaker) and leave time for questions at the end.2. Engage your audienceBefore you launch into your presentation, its important to establish a relationship with your audience.Acknowledge your audience first up, e.g. ask if people can hear you. You can also pepper your presentation with rhetorical questions, such as and what conclusions can we draw from this? or how do we know this is true?Leave time for questions and clarification at the end so people feel ownership of the material.Start strong and own your space as you take the floor. Stand up straight, lean forward and talk with confidence.Finally, try to play with pitch, volume and pace to maintain the audiences interest. Use gestures, rather than standing stock still, but keep them controlled.READ THISHow to Start Networking? 15 Pick-up Lines Thatll Boost Your Conf idence3. Give your audience mental breaks by interactingIf youre interacting with your audience rather than delivering a monologue they are more likely to actively listen and remember what youre saying.Take a break now and again to check in with your audience it gives them a brief mental break and helps them connect with you.Audience response systems (ARS), like CLiKAPAD, can be an excellent tool to keep your audiences attention focused on whats happening on stage or wake up a crowd during PowerPoint presentations.Whether youre presenting to a training seminar, a geschftlicher umgang meeting, a QA session, workshop or conference, starting out with a group activity using an ARS can also prove to be a great ice breaker.Participants can give instant feedback anonymously and honestly using a credit card sized keypad. They can vote, share opinions, take quizzes, polls and brainstorm ideas.ARS technology can also enable the presenter to check knowledge levels on a topic before training starts and test understanding afterwards.Use the feedback to immediately flash up, embedded in your Powerpoint presentation, as a graph in your chosen style and share the results with your audience.4. Dont just read out the slidesDont be tempted to read your slides out word for word, or pack them with too many bullet points. Much better to use them as a memory aid, then add what you think and feel about the subject.Slides should support what you are saying, not outline the entire presentation. Think of ways to communicate in other ways than just using text.Use visuals to aid understanding graphs, drawings, charts, illustrations and photographs are all great ways to enliven a presentation. Video clips are also an excellent way to keep your audience alert.5. Harness the power of neuroscienceStronger, more enduring memories are formed in the brain when a person is relaxed and when the neurons in the brain connected with memory fire in sync with certain brain waves.This means it is rea lly helpful to try and relax yourself and your audience early on.Plan your talk around a few key points and practise it out loud. You could serve tea and coffee beforehand to get your audience feeling alert and in a good mood.Once youve started, use plenty of eye contact and smile perhaps tritt off with a story or a personal anecdote to help form an emotional bond with your audience.The idea is to aim for high levels of the neurotransmitters chemical messengers that connect your body and brain to create a kind of energised calm. Too much stress can trigger the stress hormone cortisol, which can block creativity and inhibit information retention.Share Your Feedback or Ideas in the Comments

The Advantages and Benefits of Public Service Work

The Advantages and Benefits of Public Service WorkThe Advantages and Benefits of Public Service WorkAlthough there is a huge gap between private sector and public interest salaries, public interest jobs offer a number of key advantages over private practice. Below are six advantages of public service work. Furthering the Public Good A primary reason lawyers and others undertakepublic interestorpro bonowork is to further the public good. Helping underserved people, groups, and causes can provide a feeling of personal satisfaction and achievement that you might not gain defending large corporations in private practice. Public interest work can allow you to achieve greater goals beyond earning a paycheck, such as working to effect societal change, supporting an important public cause, or providing equal access to justice for needy individuals and organizations. In fact, the lowest-paid lawyers (typically those doing public interest work) report the highest levels of happiness. Publi c interest and pro bono work also provide the opportunity to become involved in your local community by performing public service activities of a legal and non-legal nature. For students, it is sometimes easier to findinternshipswith public interest employers than with law firms and for-profit organizations, who tend to hire on a very limited basis for summer jobs. And its sometimes possible to get funding for your public interest summer job from your law school or from a nationwide public interest organization, such as Equal Justice Works. Valuable Work Experience Law students, new lawyers, paralegals, and other legal professionals can gain valuable work experience through internships in the public interest sector or via pro bono work in law school. Such experience is important at a time when jobs are scarce many employers do not have the time or resources to train new attorneys and legal personnel. Since small firms want to hire candidates who can hit the ground running, and l arge firms often funnel substantive legal work to experienced associates, working in the public interest sector can help you gain the work experience you need. Public interest work is a great stepping stone to private practice and employers appreciate a commitment to public service. Better Work-Life Balance Public interest jobs typically offer a betterwork-life balancethan law firm jobs. 9-to-5 work days, flexible schedules and part-time opportunities are common in the public interest sector. Unlike private practice, individuals employed in non-profits, the government, and legal service organizations are not under pressure to meet high billable hour quotas, gain face-time with partners, or spend free time on client development activities. The work culture is often more relaxed because the focus is on service rather than profit. Exposure to Multiple Practice Areas When you join a law firm, you are typically assigned to a specific practice group. However, public service and pr o bono work can help new grads explore avariety of practice areaswhile performing valuable work. At a legal service organization, for example, you might assist with a variety of cases ranging from landlord/tenantand zuzug issues to child custody and civil rights. You will gain valuable insight and useful knowledge in the procedural and substantive issues surrounding many areas of law. Mentoring and Networking Opportunities If you are a student or new graduate, public interest and pro bono work can also help you gain mentors, networking contacts, and job references. While law firms and corporations are often focused on the bottom line, public interest venues are less focused on profit. Therefore, they may offer more time to develop mentoring relationships and contacts. And taking on a pro bono project organized by the local bar association can be a great way to meet practicing attorneys in areas of particular interest since they often volunteer to serve as mentors to newer volunt eers. Recognition and Honors Lawyers have an ethical obligation to provide public service and give back to the community. This duty also extends to some other legal professionals, such as paralegals. Many law firms and legal organizations recognize and honor lawyers and legal professionals who have demonstrated leadership in their community by engaging in public service and pro bono activities. Hiring managers also appreciate a commitment to pro bono and public service work. Therefore, this font of work experience can be a great resume-booster.

A Secret Weapon for Resume and Cv

A Secret Weapon for Resume and Cv Whispered Resume and Cv Secrets Although there will always be similarities, its always much better to inquire into the requirements of each destination individually. Then, naturally, there are the wildcards. You may want to add hobbies and any excess section depending on the need. So getting the very best impression on the employer only begins with the ideal deckblatt letter. When you find a work advert its vital that you observe the instructions to the letter, because of this its important to understand the difference between a resume and a CV. If you arent sure which type of document to submit, it is wise to request clarification. Most applications request that you submit a cover letter. What You Should Do to Find Out About Resume and Cv Before Youre Left Behind It offers reasons to the employer whether you really meet up with the work profile requirements or not. Its in the shape of a document which is needed at the right time of app lying for company, government and industry jobs. If you would like a job in america or Canada, odds are theyll request a resume. Rather, its a chance for you to allow the employer know why you would like to work with them. The Advantages of Resume and Cv If it comes to CVs, some employers are extremely specific about what they would like you to include and the way the info needs to be laid out. So, when you submit an application for work in Greece, the united kingdom, or Denmark, your possible employer will ask you for a CV. Among the important differences you may come across is that some EU employers wish to find photographs on your CV. For instance, an Indian employer might ask you for a CV or a resume. In the USA and Canada, theres a huge difference between a CV and a resume. Regardless of whether you take advantage of a CV or resume, you have to thoroughly edit your document. Employed as an RA may give you the time and room to determine what you actually need to do afte r undergrad. By way of example, even in North America, there are specific circumstances where a CV is necessary. What Does Resume and Cv Mean? The very first job is always likely to be the toughest step, but as soon as you get past that line, your career would become smoother. In a few countries its normal practice to include your headshot at the peak of your resume. The aim of the resume is to create the candidate stand besides the competition and find an interview call. The target of your resume is to secure you the interview. A resume is an official document that showcases the basic yet crucial details about somebodys education and expert experience. In addition, it includes details about someones area of interest, hobbies and extracurricular pursuits. Lets start with a fast overview of resumes, because they are more familiar to the majority of American writers than CVs. In addition, should your personal GitHub project gets contributions from some other folks, great Ok, I Think I Understand Resume and Cv, Now Tell Me About Resume and Cv Your email id is similar to your on-line equivalent. You need to always tailor your resume to coincide with the info in the work description. You may also have to include specific details. Begin by creating a list of all your background info, and organize it into categories. New Questions About Resume and Cv If youre confident, the individual hiring you are going to be confident that youre a great fit for the job. Blog You might not be the very best programmer out there, but you can nonetheless package yourself. Odds are, youre likely to be applying for work in a city you reside in, and lots of individuals attending meetups will be devs who have jobs and connections. Submitting a web-based application, researching about the provider is something which all candidates do. Many work in the public service or academia will take a thorough CV to be submitted as a member of a work application. Based on what co mpany youre applying to, you may wind up getting whiteboard interviews. You also have to incorporate some distinctive qualities and skills of yours. You really demonstrate that you can do quality work. As you get experience, youll get a better idea about what you can or will have difficulty doing. If you know your strengths and weaknesses, and the way in which your virtues can be made to suit your work, you will have just the correct quantity of confidence.

The 25 Best Jobs in America in 2016

The 25 Best Jobs in America in 2016 What do a data scientist, a nurse practitioner, and a construction superintendent have in common?All three of them hold positions that rank on the 2016 edition of Glassdoors list of the 25 Best Jobs in America, coming in at No. 1, No. 23, and No. 22, respectively.Glassdoors rankings are based on three factors, according to Scott Dobroski, associate director of corporate communications at GlassdoorEarning potential How much money a person can expect to make in the roleCareer opportunity The potential for career advancement that the role affordsHiring opportunity How likely it is that a person can land the jobWere all probably familiar with those first two criteria, but I think hiring opportunity may need some extra explanation. (It sure did for me)Dobroski describes hiring opportunity as such There mightbe a great job, but if theres only twenty openings for that job in the U.S., you probably cant get hired for that role.The list is largely dominated by tech positions (No. 18 UX designer No. 5 mobile developer No. 12 software development manager etc.), with health care roles coming in second place. When you consider the stability of certain jobs and industries, Dobroski says, it makes sense that tech and health care would be prominently displayed on a list like this.We all know theres a lot of economic data that shows tech and health care continue to be great fields, Dobroski says. Well probably see roles like ansicht on this list for many years to come.Stability is an important trend uniting all the disparate jobs in the top 25, but Dobroski notes that theres also a second, more subtle characteristic that fruchtwein of these jobs have in common. He calls it nuance, by which he means that many of these jobs exist across industries.HR manager, business development manager, software engineer these are all roles that all companies need in this day and age, Dobroski says. Whether youre Walmart, Co stco, or Starbucks you compete for these roles, and youre competing with tech giants like Google or Apple for these roles.Recruiters, Pay AttentionThis list isnt onlyuseful for job seekers in need of lucrative, stable careers. Dobroski says that recruiters should pay attention to the top 25 jobs, and if they find themselves recruiting for any of these roles, they should make a big deal out of it.What many of these job titles have in common is that demand for them across the U.S. is outpacing supply, Dobroski explains.If you are an organization trying to hire for one of these roles, you should be touting it as a best job.Why? Because job seekers are more likely to pay attention to you if your can show them that yourerecruiting for one of the best jobs in America.Instead of just another job floating by, if job seekers see that youre recruiting for a best job, theyll perk up, Dobroski says.Below, you can check out the full list. For complete data, including information on salary poten tial, job openings, and career opportunities in each role, check out Glassdoors website.The Top 25 Jobs in America in 20161.Data Scientist2.Tax Manager3.Solutions Architect4.Engagement Manager 5.Mobile Developer6.HR Manager7.Physician Assistant 8.Product Manager9.Software Engineer10.Audit Manager11.Analytics Manager12.Software Development Manager13.Product Marketing Manager14.Marketing Manager15.QA Manager16.Finance Manager17.Business Development Manager18.UX Designer19.Strategy Manager20.Technical Account Manager21.Consultant22.Construction Superintendent23.Nurse Practitioner24.Electrical Engineer25.Software Architect

The 10 ways smart people stay calm and in control

The 10 ways smart people stay calm and in controlThe 10 ways smart people stay calm and in controlThe ability to manage your emotions and remain calm under pressure has a direct link to your perfassonance. TalentSmart has conducted research with mora than a million people, and weve found that 90% of top performers are skilled at managing their emotions in times of stress in order to remain calm and in control.If you follow my work, youve read some startling research summaries that explore the havoc stress can wreak on ones physical and mental health (such as the Yale study, which found that prolonged stress causes degeneration in the area of the brain responsible for self-control). The tricky thing about stress (and the anxiety that comes with it) is that its an absolutely necessary emotion. ur brains are wired such that its difficult to take action until we feel at least some level of this emotional state. In fact, performance peaks under the heightened activation that comes with mo derate levels of stress. As long as the stress isnt prolonged, its harmless.Research from the University of California, Berkeley, reveals an upside to experiencing moderate levels of stress. But it also reinforces how important it is to keep stress under control. The study, led by post-doctoral fellow Elizabeth Kirby, found that the onset of stress entices the brain into growing new cells responsible for improved memory. However, this effect is only binnenseen when stress is intermittent. As soon as the stress continues beyond a few moments into a prolonged state, it suppresses the brains ability to develop new cells.I think intermittent stressful events are probably what keeps the brain more alert, and you perform better when you are alert, Kirby says. For animals, intermittent stress is the bulk of what they experience, in the form of physical threats in their immediate environment. Long ago, this was also the case for humans. As the human brain evolved and increased in complexity , weve developed the ability to worry and perseverate on events, which creates frequent experiences of prolonged stress.Besides increasing your risk of heart disease, depression, and obesity, stress decreases your cognitive performance. Fortunately, though, unless a lion is chasing you, the bulk of your stress is subjective and under your control. Top performers have well-honed coping strategies that they employ under stressful circumstances. This lowers their stress levels regardless of whats happening in their environment, ensuring that the stress they experience is intermittent and elend prolonged.While Ive run across numerous effective strategies that smart people employ when faced with stress, what follows are ten of the best. Some of these strategies may seem obvious, but the real challenge lies in recognizing when you need to use them and having the wherewithal to actually do so in spite of your stress.They appreciate what they haveTaking time to contemplate what youre gratef ul for isnt merely the right thing to do. It also improves your mood, because it reduces the stress hormone cortisol by 23%. Research conducted at the University of California, Davis found that people who worked daily to cultivate an attitude of gratitude experienced improved mood, energy, and physical well-being. Its likely that lower levels of cortisol played a major role in this.They avoid asking what if?What if? statements throw fuel on the fire of stress and worry. Things can go in a million different directions, and the more time you spend worrying about the possibilities, the less time youll spend focusing on taking action that will calm you down and keep your stress under control. Calm people know that asking what if? will only take them to a distribution policy they dont want - or need - to go.They stay positivePositive thoughts help make stress intermittent by focusing your brains attention onto something that is completely stress-free. You have to give your wandering br ain a little help by consciously selecting something positive to think about. Any positive thought will do to refocus your attention. When things are going well, and your mood is good, this is relatively easy. When things are going poorly, and your mind is flooded with negative thoughts, this can be a challenge. In these moments, think about your day and identify one positive thing that happened, no matter how small. If you cant think of something from the current day, reflect on the previous day or even the previous week. Or perhaps youre looking forward to an exciting event that you can focus your attention on. The point here is that you must have something positive that youre ready to shift your attention to when your thoughts turn negative.They disconnectGiven the importance of keeping stress intermittent, its easy to see how taking regular time off the grid can help keep your stress under control. When you make yourself available to your work 24/7, you expose yourself to a cons tant barrage of stressors. Forcing yourself offline and even- gulp- turning off your phone gives your body a break from a constant source of stress. Studies have shown that something as simple as an email break can lower stress levels.Technology enables constant communication and the expectation that you should be available 24/7. It is extremely difficult to enjoy a stress-free moment outside of work when an email that will change your train of thought and get you thinking (read stressing) about work can drop onto your phone at any moment. If detaching yourself from work-related communication on weekday evenings is too big a challenge, then how about the weekend? Choose blocks of time where you cut the cord and go offline. Youll be amazed at how refreshing these breaks are and how they reduce stress by putting a mental recharge into your weekly schedule. If youre worried about the negative repercussions of taking this step, first try doing it at times when youre unlikely to be conta cted- maybe Sunday morning. As you grow more comfortable with it, and as your coworkers begin to accept the time you spend offline, gradually expand the amount of time you spend away from technology.They limit their caffeine intakeDrinking caffeine triggers the release of adrenaline. Adrenaline is the source of the fight-or-flight response, a survival mechanism that forces you to stand up and fight or run for the hills when faced with a threat. The fight-or-flight mechanism sidesteps rational thinking in favor of a faster response. This is great when a bear is chasing you, but leid so great when youre responding to a curt email. When caffeine puts your brain and body into this hyperaroused state of stress, your emotions overrun your behavior. The stress that caffeine creates is far from intermittent, as its long half-life ensures that it takes its sweet time working its way out of your body.They sleepIve beaten this one to death over the years and cant say enough about the importanc e of sleep to increasing your emotional intelligence and managing your stress levels. When you sleep, your brain literally recharges, so that you wake up alert and clear-headed. Your self-control, attention, and memory are all reduced when you dont get enough - or the right kind - of sleep. Sleep deprivation raises stress hormone levels on its own, even without a stressor present. Stressful projects often make you feel as if you have no time to sleep, but taking the time to get a decent nights sleep is often the one thing keeping you from getting things under control.They squash negative self-talkA big step in managing stress involves stopping negative self-talk in its tracks. The more you ruminate on negative thoughts, the more power you give them. Most of our negative thoughts are just that- thoughts, not facts. When you find yourself believing the negative and pessimistic things your inner voice says, its time to stop and write them down. Literally, stop what youre doing and wr ite down what youre thinking. Once youve taken a moment to slow down the negative momentum of your thoughts, you will be more rational and clear-headed in evaluating their veracity.You can bet that your statements arent true any time you use words like never, worst, ever, etc. If your statements still look like facts once theyre on paper, take them to a friend or colleague you trust and see if he or she agrees with you. Then the truth will surely come out. When it feels like something always or never happens, this is just your brains natural threat tendency inflating the perceived frequency or severity of an event. Identifying and labeling your thoughts as thoughts by separating them from the facts will help you escape the cycle of negativity and move toward a positive new outlook.They reframe their perspectiveStress and worry are fueled by our own skewed perception of events. Its easy to think that unrealistic deadlines, unforgiving bosses, and out-of-control traffic are the reason s were so stressed all the time. You cant control your circumstances, but you can control how you respond to them. So before you spend too much time dwelling on something, take a minute to put the situation in perspective. If you arent sure when you need to do this, try looking for clues that your anxiety may not be proportional to the stressor. If youre thinking in broad, sweeping statements such as Everything is going wrong or Nothing will work out, then you need to reframe the situation. A great way to correct this unproductive thought pattern is to list the specific things that actually are going wrong or not working out. Most likely you will come up with just some things- not everything- and the scope of these stressors will look much more limited than it initially appeared.They breatheThe easiest way to make stress intermittent lies in something that you have to do everyday anyway breathing. The practice of being in the moment with your breathing will begin to train your brain to focus solely on the task at hand and get the stress monkey off your back. When youre feeling stressed, take a couple of minutes to focus on your breathing. Close the door, put away all other distractions, and just sit in a chair and breathe. The goal is to spend the entire time focused only on your breathing, which will prevent your mind from wandering. Think about how it feels to breathe in and out. This sounds simple, but its hard to do for more than a minute or two. Its all right if you get sidetracked by another thought this is sure to happen at the beginning, and you just need to bring your focus back to your breathing. If staying focused on your breathing proves to be a real struggle, try counting each breath in and out until you get to 20, and then start again from 1. Dont worry if you lose count you can always just start over.This task may seem too easy or even a little silly, but youll be surprised by how calm you feel afterward and how much easier it is to let go of di stracting thoughts that otherwise seem to have lodged permanently inside your brain.They use their support systemIts tempting, yet entirely ineffective, to attempt tackling everything by yourself. To be calm and productive, you need to recognize your weaknesses and ask for help when you need it. This means tapping into your support system when a situation is challenging enough for you to feel overwhelmed. Everyone has someone at work and/or outside work who is on their team, rooting for them, and ready to help them get the best from a difficult situation. Identify these individuals in your life and make an effort to seek their insight and assistance when you need it. Something as simple as talking about your worries will provide an outlet for your anxiety and stress and supply you with a new perspective on the situation. Most of the time, other people can see a solution that you cant because they are not as emotionally invested in the situation. Asking for help will mitigate your st ress and strengthen your relationships with those you rely upon.Bringing it all togetherOverwhelming anxiety and empowerment are mutually exclusive. Any time you are overcome with enough stress/anxiety to limit your performance, just follow the steps above to empower yourself and regain control.This article first appeared on LinkedIn.The 10 ways smart people stay calm and in controlThe ability to manage your emotions and remain calm under pressure has a direct link to your performance. TalentSmart has conducted research with more than a million people, and weve found that 90% of top performers are skilled at managing their emotions in times of stress in order to remain calm and in control.If you follow my work, youve read some startling research summaries that explore the havoc stress can wreak on ones physical and mental health (such as the Yale study, which found that prolonged stress causes degeneration in the area of the brain responsible for self-control). The tricky thing abou t stress (and the anxiety that comes with it) is that its an absolutely necessary emotion. Our brains are wired such that its difficult to take action until we feel at least some level of this emotional state. In fact, performance peaks under the heightened activation that comes with moderate levels of stress. As long as the stress isnt prolonged, its harmless.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreResearch from the University of California, Berkeley, reveals an upside to experiencing moderate levels of stress. But it also reinforces how important it is to keep stress under control. The study, led by post-doctoral fellow Elizabeth Kirby, found that the onset of stress entices the brain into growing new cells responsible for improved memory. However, this effect is only seen when stress is intermittent. As soon as the stress continues beyond a few moments into a prolonged state, it sup presses the brains ability to develop new cells.I think intermittent stressful events are probably what keeps the brain more alert, and you perform better when you are alert, Kirby says. For animals, intermittent stress is the bulk of what they experience, in the form of physical threats in their immediate environment. Long ago, this was also the case for humans. As the human brain evolved and increased in complexity, weve developed the ability to worry and perseverate on events, which creates frequent experiences of prolonged stress.Besides increasing your risk of heart disease, depression, and obesity, stress decreases your cognitive performance. Fortunately, though, unless a lion is chasing you, the bulk of your stress is subjective and under your control. Top performers have well-honed coping strategies that they employ under stressful circumstances. This lowers their stress levels regardless of whats happening in their environment, ensuring that the stress they experience is in termittent and not prolonged.While Ive run across numerous effective strategies that smart people employ when faced with stress, what follows are ten of the best. Some of these strategies may seem obvious, but the real challenge lies in recognizing when you need to use them and having the wherewithal to actually do so in spite of your stress.They appreciate what they haveTaking time to contemplate what youre grateful for isnt merely the right thing to do. It also improves your mood, because it reduces the stress hormone cortisol by 23%. Research conducted at the University of California, Davis found that people who worked daily to cultivate an attitude of gratitude experienced improved mood, energy, and physical well-being. Its likely that lower levels of cortisol played a major role in this.They avoid asking what if?What if? statements throw fuel on the fire of stress and worry. Things can go in a million different directions, and the more time you spend worrying about the possibil ities, the less time youll spend focusing on taking action that will calm you down and keep your stress under control. Calm people know that asking what if? will only take them to a place they dont want - or need - to go.They stay positivePositive thoughts help make stress intermittent by focusing your brains attention onto something that is completely stress-free. You have to give your wandering brain a little help by consciously selecting something positive to think about. Any positive thought will do to refocus your attention. When things are going well, and your mood is good, this is relatively easy. When things are going poorly, and your mind is flooded with negative thoughts, this can be a challenge. In these moments, think about your day and identify one positive thing that happened, no matter how small. If you cant think of something from the current day, reflect on the previous day or even the previous week. Or perhaps youre looking forward to an exciting event that you c an focus your attention on. The point here is that you must have something positive that youre ready to shift your attention to when your thoughts turn negative.They disconnectGiven the importance of keeping stress intermittent, its easy to see how taking regular time off the grid can help keep your stress under control. When you make yourself available to your work 24/7, you expose yourself to a constant barrage of stressors. Forcing yourself offline and even- gulp- turning off your phone gives your body a break from a constant source of stress. Studies have shown that something as simple as an email break can lower stress levels.Technology enables constant communication and the expectation that you should be available 24/7. It is extremely difficult to enjoy a stress-free moment outside of work when an email that will change your train of thought and get you thinking (read stressing) about work can drop onto your phone at any moment. If detaching yourself from work-related communi cation on weekday evenings is too big a challenge, then how about the weekend? Choose blocks of time where you cut the cord and go offline. Youll be amazed at how refreshing these breaks are and how they reduce stress by putting a mental recharge into your weekly schedule. If youre worried about the negative repercussions of taking this step, first try doing it at times when youre unlikely to be contacted- maybe Sunday morning. As you grow more comfortable with it, and as your coworkers begin to accept the time you spend offline, gradually expand the amount of time you spend away from technology.They limit their caffeine intakeDrinking caffeine triggers the release of adrenaline. Adrenaline is the source of the fight-or-flight response, a survival mechanism that forces you to stand up and fight or run for the hills when faced with a threat. The fight-or-flight mechanism sidesteps rational thinking in favor of a faster response. This is great when a bear is chasing you, but not so gr eat when youre responding to a curt email. When caffeine puts your brain and body into this hyperaroused state of stress, your emotions overrun your behavior. The stress that caffeine creates is far from intermittent, as its long half-life ensures that it takes its sweet time working its way out of your body.They sleepIve beaten this one to death over the years and cant say enough about the importance of sleep to increasing your emotional intelligence and managing your stress levels. When you sleep, your brain literally recharges, so that you wake up alert and clear-headed. Your self-control, attention, and memory are all reduced when you dont get enough - or the right kind - of sleep. Sleep deprivation raises stress hormone levels on its own, even without a stressor present. Stressful projects often make you feel as if you have no time to sleep, but taking the time to get a decent nights sleep is often the one thing keeping you from getting things under control.They squash negati ve self-talkA big step in managing stress involves stopping negative self-talk in its tracks. The more you ruminate on negative thoughts, the more power you give them. Most of our negative thoughts are just that- thoughts, not facts. When you find yourself believing the negative and pessimistic things your inner voice says, its time to stop and write them down. Literally, stop what youre doing and write down what youre thinking. Once youve taken a moment to slow down the negative momentum of your thoughts, you will be more rational and clear-headed in evaluating their veracity.You can bet that your statements arent true any time you use words like never, worst, ever, etc. If your statements still look like facts once theyre on paper, take them to a friend or colleague you trust and see if he or she agrees with you. Then the truth will surely come out. When it feels like something always or never happens, this is just your brains natural threat tendency inflating the perceived freque ncy or severity of an event. Identifying and labeling your thoughts as thoughts by separating them from the facts will help you escape the cycle of negativity and move toward a positive new outlook.They reframe their perspectiveStress and worry are fueled by our own skewed perception of events. Its easy to think that unrealistic deadlines, unforgiving bosses, and out-of-control traffic are the reasons were so stressed all the time. You cant control your circumstances, but you can control how you respond to them. So before you spend too much time dwelling on something, take a minute to put the situation in perspective. If you arent sure when you need to do this, try looking for clues that your anxiety may not be proportional to the stressor. If youre thinking in broad, sweeping statements such as Everything is going wrong or Nothing will work out, then you need to reframe the situation. A great way to correct this unproductive thought pattern is to list the specific things that actua lly are going wrong or not working out. Most likely you will come up with just some things- not everything- and the scope of these stressors will look much more limited than it initially appeared.They breatheThe easiest way to make stress intermittent lies in something that you have to do everyday anyway breathing. The practice of being in the moment with your breathing will begin to train your brain to focus solely on the task at hand and get the stress monkey off your back. When youre feeling stressed, take a couple of minutes to focus on your breathing. Close the door, put away all other distractions, and just sit in a chair and breathe. The goal is to spend the entire time focused only on your breathing, which will prevent your mind from wandering. Think about how it feels to breathe in and out. This sounds simple, but its hard to do for more than a minute or two. Its all right if you get sidetracked by another thought this is sure to happen at the beginning, and you just need t o bring your focus back to your breathing. If staying focused on your breathing proves to be a real struggle, try counting each breath in and out until you get to 20, and then start again from 1. Dont worry if you lose count you can always just start over.This task may seem too easy or even a little silly, but youll be surprised by how calm you feel afterward and how much easier it is to let go of distracting thoughts that otherwise seem to have lodged permanently inside your brain.They use their support systemIts tempting, yet entirely ineffective, to attempt tackling everything by yourself. To be calm and productive, you need to recognize your weaknesses and ask for help when you need it. This means tapping into your support system when a situation is challenging enough for you to feel overwhelmed. Everyone has someone at work and/or outside work who is on their team, rooting for them, and ready to help them get the best from a difficult situation. Identify these individuals in yo ur life and make an effort to seek their insight and assistance when you need it. Something as simple as talking about your worries will provide an outlet for your anxiety and stress and supply you with a new perspective on the situation. Most of the time, other people can see a solution that you cant because they are not as emotionally invested in the situation. Asking for help will mitigate your stress and strengthen your relationships with those you rely upon.Bringing it all togetherOverwhelming anxiety and empowerment are mutually exclusive. Any time you are overcome with enough stress/anxiety to limit your performance, just follow the steps above to empower yourself and regain control.This article first appeared on LinkedIn.You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from kleine Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people

So youve defaulted on your loans

So youve defaulted on your loansSo youve defaulted on your loansDefaulting on a loan means that youve missed payments so long that youve broken the payment contract with your lender. This can apply to student loans, personal loans, credit cars, auto loans, mortgages, and mora. Basically, any loan you take out can be defaulted on if you stop paying. There are serious, long-lasting consequences to defaulting on your loans, but bedrngnis all defaults are equal.Student LoansStudent loans are one of the worst types of loans to default on. They wont just go away after you pay penalties and your credit takes a hit. They even usually cant be wiped out by bankruptcy. If you default and try to run away from what you owe, the money can still be taken from you through the IRS, having your wages garnished, or through Social Security. Yes, your student loan provider can still come after you when youre old enough to be collecting Social Security.Follow Ladders on FlipboardFollow Ladders magazines o n Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and morePro-tipIf you find yourself in a bad financial situation where you are unable to pay your student loans, you dont have to go into default Call your student loan provider and tell them whats going on. There are ways to either lower your payments or defer your payments until you are able to pay. This is a much better approach than not paying at all.MortgageIf you default on a home loan (also known as a mortgage), your lender isnt just going to penalize you through fees. A mortgage is considered a secured loan, which means there is something the lender can take back from you if you stop paying. In this case, it means that your bank can force you out of your home through foreclosure if you stop paying your loan.Once a home is foreclosed on, it is then sold so that the lender can recoup the money. Unfortunately, if the house sells for less than you owed on it, you might owe the difference. So even if yo ur home is foreclosed on and you are forced out, you still might not be off the hook.Auto LoanCar loans are similar to mortgages since they are also secured loans. In this instance, if you dont pay your car payment, your car can be repossessed by the lender.The car will then be re-sold and you would again be responsible for any money that is still owed on the original loan. This is especially likely in the case of car repossession since cars lose their value very quickly (often as soon as you drive it off the lot).Personal LoanA personal loan is considered unsecured because there is usually no collateral put down in exchange. That means that the bank cant physically take anything from you if you dont make your payments.However, the lender can penalize you through late fees and increased interest rates. They can also send your unpaid debt to collections and/or sue you for the balance. This means that youre at risk of paying more money than you would have owed in the first place, and your credit history will take a hit.Credit CardsWhen you default on paying your credit card, the consequences might not feel as immediately serious. The bank will charge late fees and after missing 60-days worth of payments, your APR will increase.This will, in turn, increase the amount of money that you owe every month. At that point, your missed or late payments will be reported to the credit bureau, which will negatively impact your credit score.Some credit card companies will send your debt to a debt collector, which will also be reported to the credit bureaus. You can even be sued by your creditor and taken to court.The moral of the story is that you should try as hard as possible not to default on any of your debt payments. The extra penalties, fees, and stress will be worse than the original payments that you owed. However, if youve already defaulted on a loan, there are things you can do to improve your credit for the future.Contact your debtors to either settle to pay less than you owe and/or set up a payment plan to pay your balanceAsk for your paid collections debts to be removed from your credit reportContinue to work on paying down the debt that you still owe (both in default and not)Keep an eye on your credit report and dispute any errors listedOnly take out debt that youre certain you can pay backMake all of your debt payments on timeApply for a secured credit card through your bankTo learn more about improving your credit, check out this piece aboutcredit invisibility.You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people

4 Signs its Time to Quit your Job

4 Signs its Time to Quit your Job 4 Signs its Time to Quit your Job The following four signs are telltale indicators that it may be time to start looking into other prospects and think about ditching your current job once and for all1. Just the thought of going to work makes you feel ill. You most likely know the feeling, because it accompanies any situation thats become intolerable for one reason or another. You get sick to your stomach when its time for work. Maybe you even vomit or experience diarrhea and other physical symptoms on a regular basis because of job stress. Many people get headaches or even migraines when they think about a job thats outlived its usefulness. No job should make you feel sick at the mere thought of being there so, if yours does, thats a sign that something needs to change.2. You find yourself constantly making jokes and firing off one-liners about quitting your job or firing your boss. Were not talking about once in a while either- more like all the t ime. Sometimes humor can be a defense mechanism that hides a deeper, more serious level of dissatisfaction with a given situation. If you eventually find yourself not only joking more about quitting your job but complaining in earnest about it to just about anyone wholl listen, it might be time to fly the coop.3. Your hearts just not in it anymore. Maybe youre making a lot of careless errors at work thats just not like you to make. Maybe youre catching yourself spending more and more time daydreaming when you really ought to be working instead. Sometimes people even reach a place where their boss has officially noticed that they just dont seem to care anymore. Whatever the case may be, this is usually a koranvers indicator that maybe your job has outlived its usefulness and that youd be better off finding a position thats more stimulating.4. You keep getting passed over for raises, promotions, or better opportunities. Sometimes a given position can just begin to feel thankless in ev ery sense of the word. You could well be working hard, doing everything thats expected of you plus going the extra mile, but still not really be recognized for all that you do. You never seem to be the guy up for promotion or being offered a raise for a job well done. Maybe there just isnt much opportunity for advancement at the company where you work. Whatever the case, it may be time to think about leaving if you just dont feel like theres a place for you to grow at your job.