Here are the best pieces of advice I can give you about money

Here are the best pieces of advice I can give you about moneyHere are the best pieces of advice I can give you about moneyWhat secrets about managing money do the rich know that the average person doesnt?I spent five years trying to answer that question. I asked 233 millionaires 144 questions and discovered that the rich have certain specific money habits we all should adopt immediately.Below are some strategies that helped the rich get rich1. Track spending.Know where your money is going. Look at your bank and credit card statements every month. Youll uncover certain expenses for things youre not even using, such as club memberships, subscriptions, and automatic charges for services youve never used.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moraOften these automated charges occur after you enroll in some free promotion, where the free part expires after a promotional period.2. Periodically a udit expenses.Many expenses can change over time - like insurance costs. They can go up or down over time. Make aya you are paying the lowest insurance rates for homeowners, auto, and life insurance.Check your health insurance. You could be paying for dependents who left the nest, are on their own, and have coverage through their employer.Cable and world wide web costs can increase without you being aware of it. Calling your cable or internet provider to secure the lowest fees available should be an annual process.Periodically shop cell phone plans. Increased competition in the cellphone industry is driving down monthly rates. Make sure you arent paying more than you have to.3. Purchase good quality used cars.New cars lose value as soon as they come off the lot. Buying good quality used cars allows you to take advantage of this loss in value anomaly prevalent in the auto industry. Forty-four percent of the rich in my study purchased good quality used cars.Typically these are cars c oming off a lease. They may be two or three years old. At 125,000 miles, most cars will require some annual repairs. Expect to incur about $1,500 a year in repair costs when you hold on to cars beyond this 125,000-mileage mark.That is still significantly less than youd spend on a loan or lease for a new car.4. Use coupons.Even the wealthy in my study engaged in this money-saving habit. Thirty percent of the rich used coupons to buy food.Why pay more than you have to on groceries or other expenses?5. Keep your housing costs below 30% of your monthly net pay.Contrary to what youve been led to believe, most of the rich dont live in McMansions. Sixty-four percent of the rich in my study live in modest homes.6. Bargain shop.Far too many make spontaneous purchases, paying more than they otherwise would.Thats a Poverty Habit. Shopping for bargains and taking advantage of sales events is a Rich Habit.7. Take advantage of credit-card reward dollars.Many credit cards have rewards programs att ached to them. Typically, these rewards programs generate reward dollars that you can use at participating vendors. For example, the American Express reward program gives you about .88% back on every dollar you spend using an American Express credit card.One of the participating vendors with American Express is Barnes and Noble, and 50,000 American Express Rewards Dollars translates into $500 in Barnes and Noble gift cards. You can buy 20 $25 Barnes and Noble gift cards and give them out as gifts for occasions like birthdays and holidays, and itll cost you nothing.8. Establish savings goals.The rich make a habit of allocating their savings into different buckets, or categories. In order to do this, you need to establish an overall amount of savings youre willing to tischset aside each month.For example, if you decide to set aside 10% of your monthly income, you might allocate 5% into your retirement bucket, 2% into your specific expense bucket, 1.5% into your unexpected expense buck et, and 1.5% into your cyclical expense bucket.9. Automate the savings process.This is where the rubber meets the road implementation. Automatically direct each of the above savings amounts into each buckets separate account via automatic withdrawal from your net pay or from your bank account.Automating your savings forces you to live below your means because you save first and spend whats left.Money management is a process.Accumulating wealth is a process. Its all one big process, this thing we call financial success.But if you dont have a process, or adopt good money habits, like the rich in my study, you will never be able to save. It just wont happen.When you develop good money habits, you feel like you are finally in control of your life. Its empowering and it will increase your wealth over time. Keep in mind that it took most of the wealthy in my study 32 years to become rich. Accumulating wealth takes time and discipline.This article first appeared on Business Insider.You mig ht 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 jngste im bunde Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong peopleHere are the best pieces of advice I can give you about moneyWhat secrets about managing money do the rich know that the average person doesnt?I spent five years trying to answer that question. I asked 233 millionaires 144 questions and discovered that the rich have certain specific money habits we all should adopt immediately.Below are some strategies that helped the rich get rich1. Track spending.Know where your money is going. Look at your bank and credit card statements every month. Youll uncover certain expenses for things youre not even using, such as club memberships, subscriptions, and automatic charges for services youve never used.Oft en these automated charges occur after you enroll in some free promotion, where the free part expires after a promotional period.2. Periodically audit expenses.Many expenses can change over time - like insurance costs. They can go up or down over time. Make sure you are paying the lowest insurance rates for homeowners, auto, and life insurance.Check your health insurance. You could be paying for dependents who left the nest, are on their own, and have coverage through their employer.Cable and internet costs can increase without you being aware of it. Calling your cable or internet provider to secure the lowest fees available should be an annual process.Periodically shop cell phone plans. Increased competition in the cellphone industry is driving down monthly rates. Make sure you arent paying more than you have to.3. Purchase good quality used cars.New cars lose value as soon as they come off the lot. Buying good quality used cars allows you to take advantage of this loss in value a nomaly prevalent in the auto industry. Forty-four percent of the rich in my study purchased good quality used cars.Typically these are cars coming off a lease. They may be two or three years old. At 125,000 miles, most cars will require some annual repairs. Expect to incur about $1,500 a year in repair costs when you hold on to cars beyond this 125,000-mileage mark.That is still significantly less than youd spend on a loan or lease for a new car.4. Use coupons.Even the wealthy in my study engaged in this money-saving habit. Thirty percent of the rich used coupons to buy food.Why pay more than you have to on groceries or other expenses?5. Keep your housing costs below 30% of your monthly net pay.Contrary to what youve been led to believe, most of the rich dont live in McMansions. Sixty-four percent of the rich in my study live in modest homes.6. Bargain shop.Far too many make spontaneous purchases, paying more than they otherwise would.Thats a Poverty Habit. Shopping for bargains and taking advantage of sales events is a Rich Habit.7. Take advantage of credit-card reward dollars.Many credit cards have rewards programs attached to them. Typically, these rewards programs generate reward dollars that you can use at participating vendors. For example, the American Express reward program gives you about .88% back on every dollar you spend using an American Express credit card.One of the participating vendors with American Express is Barnes and Noble, and 50,000 American Express Rewards Dollars translates into $500 in Barnes and Noble gift cards. You can buy 20 $25 Barnes and Noble gift cards and give them out as gifts for occasions like birthdays and holidays, and itll cost you nothing.8. Establish savings goals.The rich make a habit of allocating their savings into different buckets, or categories. In order to do this, you need to establish an overall amount of savings youre willing to set aside each month.For example, if you decide to set aside 10% of your monthly income, you might allocate 5% into your retirement bucket, 2% into your specific expense bucket, 1.5% into your unexpected expense bucket, and 1.5% into your cyclical expense bucket.9. Automate the savings process.This is where the rubber meets the road implementation. Automatically direct each of the above savings amounts into each buckets separate account via automatic withdrawal from your net pay or from your bank account.Automating your savings forces you to live below your means because you save first and spend whats left.Money management is a process.Accumulating wealth is a process. Its all one big process, this thing we call financial success.But if you dont have a process, or adopt good money habits, like the rich in my study, you will never be able to save. It just wont happen.When you develop good money habits, you feel like you are finally in control of your life. Its empowering and it will increase your wealth over time. Keep in mind that it took most of the wealthy in my study 32 years to become rich. Accumulating wealth takes time and discipline.This article first appeared on Business Insider.

How to Protect Your Identity While Job Searching

How to Protect Your Identity While Job SearchingHow to Protect Your Identity While Job Searching8Unfortunately, identity thieves are well aware that job seekers are a eignungly vulnerable lot, and they have an arsenal of ways to exploit this vulnerability. If youre a job seeker, its just plain smart to take precautions to protect yourself and to be aware of how identity theft happens- while still making every effort to present your accomplishments to prospective employers in the best possible light.Here are tips on how to protect your identity while job searchingExclude specific personal details from your resume.Your resume should include well-chosen language that offers an accuratesummary of your qualifications. But there are details you may want to leave out, particularly on versions of your resume that will be posted publicly. If your aim is to protect your location and other personal details, omit your exact street address, your phone number, and your gender and marital status.Li mit personal information on social media.Using social media in your job searchis one of the best ways to find the right job opportunities and to tischset up your own professional profile online. But never list information such as your date of birth, drivers license number, and personal financial data. It should go without saying that your Social Security number shouldnt be included in any public spaceAvoid offering personal information in a phone interview.Even if youre sure that an employer is legitimate, dont provide highly specific personal data over the phone during a job interview- especially if dont yet have the job Of course you want to do your best to have a successful phone interview, but be aware that most employers dont require extremely personal details at this stage of the game. In fact, questions about your age or other detailed information can be illegalin some instances.Verify that a potential job is real. researches every job listed on our website to ensure that eve ry position is authentic and that each company is legitimate. Anytime youre job hunting, nothings more important than verifying the authenticity of the job and the organization thats offering it. Google, Whois.com, and other search resources can be your best friends when it comes to independent verification of company information. Be cautious about websites that are brand-new and of sites that are hard to trace, especially non-U.S. sites, in order to protect your identity.Beware of fake job recruiters.Heres a scenario that should raise a big red flag you get a call from a recruiter youve never heard of, who claims to be touching base with you about a job for which you havent applied. The best response is to politely hang up, and certainly dont answer any questions Be wary of potential fake job listings as well. Arm yourself by knowing how to spot a job scam.Update your technology- and your technical know-how.Having up-to-date malware-scanning software on your computer can protect yo ur identity from job scammers whose approach involves sending out spam email as a means of hacking into your personal email accounts, and gathering details that might help them steal your identity. Dont open email attachments if you dont know the source phishing is a favorite method for hackers to gain access to your credit information, passwords, and bank account numbers.Protect your educational records.Under federal law, its your right to limit access to your academic records. The Family Educational Rights and Privacy Act, or FERPA, allows you to ask your college, university, or any other institution where youve studied not to release your school records without your permission. That includes the year you graduated- a detail that identity thieves can use against you.Readers, share your tips and suggestions about how protect your identity as a job seeker

After a Break, a New Door Opens in Real Estate

After a Break, a New Door Opens in Real EstateAfter a Break, a New Door Opens in Real EstateSusan LoGuidice returned from a sabbatical in Europe with notlage one, but two interviews lined up.To hear Susan LoGiudice tell it, getting laid off from zu sichbei real-estate management job last December welches a chance to have a moment of freedom.I looked at it like I had been paroled, the UpLadder member said. I had been working for six years straight, and I needed a break. So I mentioned to a friend who lives in Europe that I wanted to get away, and he told me he was going to Monte Carlo and could use some company, so I booked my flight and took off in early January.In addition to travel plans, she made some other plans as well. She was several credits shy of getting her masters degree in strategic real-estate management at New York University. So she signed up for the spring semester. I figured if it was difficult to find a job, Id finish grad school instead, LoGiudice said. Either way, the result would be good. And while she was not ready to go back to work right away - savings and severance gave her a couple of months cushion - she did post her resume on Ladders and left one with a recruiter as well.So she took off for Europe feeling she would be able to relax and not think about work. And, just as she was enjoying her free time, LoGiudice received an e-mail from a recruiter when she was in Monte Carlo. While she was happy to have the contact, she followed up to say she would set up an interview once she returned. She said she didnt feel she needed to head back to New York right away to pursue a job lead.I needed to detox from the stress of the months leading up to the layoff, she said. Watching a company go through layoffs is emotionally and physically taxing.So she continued her vacation. And, upon her return, there were not one but two job interviews waiting for her. I got a call from the recruiter through Ladders just as I returned from Monte Carlo, she sa id. Both jobs were appealing enough that she went on the first round of interviews for both real-estate opportunities.Still uncertain as to whether anything would pan out, she started classes at NYU and decided to pursue another adventure working as an extra on TV shows. I had never acted before, she said. I always wanted to be an extra on a TV show, so I signed up at a casting agency. I got called to work on TV shows, like Law Order, Kings, Cupid, and Nurse Jackie, while I went on interviews for two different jobs.It helped to have the distractions of school and TV work, she said. The interview process was lengthier and required more effort than in the past, she said. The market was more competitive. I went on five interviews over two months. They even had me do some work to show them what I could do. And then, after all the interviews, it took about a month before one of the companies called to offer me the job.She never doubted, however, that she wanted to stay in the real-estat e business. My expertise and interest was in real estate. I was confident in my ability to do the job, she said. And while she concedes its a tough market right now, she states that, it is cyclical.She is now working as director of verpachtung for Vantage Properties of New York. Founded in 2005, Vantage describes itself as one of New Yorks leading investors in residential and retail properties. Today, our portfolio consists of hundreds of apartment and retail properties in some of the Citys oldest and most established neighborhoods.Its a job that is similar to her previous position but for a different market from the luxury market she used to work in. Its the same job, but a different type of product.As for the challenges in her field, she said, The market is tough when you have unrealistic expectations in a down market.Sellers and landlords need to get over the fact that its not 2006 or 2007 anymore, and renters need to make a move, LoGiudice said, but they keep hoping they can get an even better price. Everybody is waiting. But people will always need a place to live. This isnt the first recession weve been through.So now, her schedule packed with work and graduate school, LoGiudices only regret is she didnt get a lucky break working as an extra. She says shes glad she took the time from work when she had the opportunity.I think I was able to do it in part because I am nave and optimistic, LoGiudice said, laughing. But she is serious about the importance of giving yourself a break. At the end of the day, panicking wasnt going to help me get a job any quicker. I looked at the layoff as an opportunity to regroup, relax, evaluate my options, and do things I wouldnt otherwise get a chance to do.If you are laid off, you should definitely post your resume, maximize your use of recruiters and tell everyone you meet that you are looking for a job. You do have to put yourself out there. But look at it as an opportunity to do something youve always wanted to do but co uldnt because you were deckenfries at work.Be confident in your abilities. Just take it one day at a time and enjoy your life.

Resignation Letter Due to Family Reasons

Resignation Letter Due to Family ReasonsResignation Letter Due to Family ReasonsAs much as you love your job, there may come a point in time where you need to write a resignation letter due to family reasons. If youre like most people, your family always comes first in your life. A resignation letter due to family reasons is something you will need to write and submit to your employer or direct supervisor when you decide to leave your job for personal reasons. Make sure that you get your resignation letter due to family reasons into the right hands before leaving your current job.Why Write a Resignation Letter Due to Family Reasons? The main reason you might write and submit a resignation letter due to family reasons is because of a family obligation that will keep you from working full time hours. Some reasons for writing resignation letters due to family reasons includethe adoption of a new childa family member diagnosed with a severe illnessthe death of a loved onemoving to a new state to care for a sick relativeWhat Should You Include in a Resignation Letter Due to Family Reasons? A resignation letter due to family reasons should include more than just a hasty goodbye and a mention of when you will work your last day. Start your resignation letter due to family reasons with a quick introduction of any discussion you had regarding the topic with one of your supervisors. Move from there into an introduction or explanation of why you decided to leave work and the family reasons you can no longer work there. Your resignation letter due to family reasons may also include a request that your employer consider transferring you to another branch within the company. ur resignation letter due to family reasons sample gives you a format you can follow.Leave Your Job with a Resignation Letter Due to Family Reasons When you need to care for a loved one and can no longer work at your current job, you should send your employer a resignation letter due to family reasons . This letter must explain your reasons for leaving and the last day you will work. A good letter will ensure that your employers keep you in mind for transfers within the company and that they will give you a good reference. If you need to apply for a new job after sending in your resignation letter due to family reasons, create a powerful resume with our online resume builder. Related Articles Resignation Letter for Transfer Within the Same CompanyResignation Letter from Fulltime to PRNResignation Letters All You Need to Remember

A Secret Weapon for Free Resume Generator

A Secret Weapon for Free Resume Generator Using Free Resume Generator At the moment theres still a possiblity to stick out from the competition being different. Although many of people still utilize traditional resumes, it isnt a bad notion to consider more creative methods of writing your resume, especially if you would like a web-based version of a resume or a means to send a link of your professional overview to others. Utilizing bullet points is a superb means to spell out your accomplishments and success stories from prior positions. You might find yourself sending the same resume to different job applications and although you may believe that youre saving time youre really lessening your odds of receiving an interview Our resume builder is the quickest approach to create a resume that will allow you to get your fantasy job. If, for example, an employer is searching for a person who is punctual and attentive, ensure that you use similar words to define your professional pro file. Infographic resumes arent for everybody, however, and occasionally a traditional resume will be more appropriate, based on the circumstance. If you would like to provide any work alert to someone it is easy to do that by only entering her or his email ID. genau functionality is particularly helpful if you will need to produce edits on a broader range of devices. Constructing a resume is an intimidating task should you do it alone. Envato Elements is among the most valuable services for creatives. To begin with, templates ought to be comprehensive. It is possible to always delete less-important notes on, but you may forget it in the previous 25, if it is not in the template. When you discover the correct file for your requirements and just click the link for a no-hassle download. A resume generator is a superb choice to construct your document if youre a great writer. If you know a small html, you could even like to conserve the source to disk, add a couple of furth er tags, and voila My Perfect CV provides you ample choices of templates where you are able to select in accordance with your pick. Today you can go and style your 3D effect and produce some cool designs. Imagine you are making a template of your resume. Naturally, you could always begin with a blank canvas and make your own design. Our software is the greatest in the company, and its the key to giving you the very best assistance that it is possible to find a summary. Resumizer free resume creator allows you to preview your resume at any stage in the creation procedure. Writing a resume is much easier nowadays since there are lots of tools readily available online to assist you through the procedure. The work search may be a lengthy process just examine the statistics below Hiring managers binnensee the exact phrases and sentences repeatedly. Employers usually do not prefer to get functional resumes because they do not show your work history or career progress. You wish t o land a great job which pays well. It is possible to work your way through many diverse templates to locate a style that fits with your preference and the job posting. The website also hosts a network for employers searching for new talent. Download apply and begin getting more interviews. After her experience for a principal is her previous teaching experience. You are able to easily depend on us to find essay help as we have a tendency to assist and guide the students with the aid of our professional experts. A perfect option for candidates with lots of experience who want to have a really good one-page resume template. It is possible to display your work history, but in addition fill in more space by talking about your abilities and other knowledge youve got.

Danger Signs on Having a Hard Time Writing a Resume Without First Person Pronouns You Need to Know About

Danger Signs on Having a Hard Time Writing a Resume Without First Person Pronouns You Need to Know About What Everybody Dislikes About Having a Hard Time Writing a Resume Without First Person Pronouns and Why Sometimes its only an issue of eliminating the personal language1. If your people know what things to do, when to do it, the best way to do it, and how not to receive it wrong, you can decrease frustration and save a tremendous quantity of time and energy. Avoid extremely personal closings, if you dont know the individual personally. Whether youre a fresher or a seasoned individual, you must incorporate the fundamental elements in your resume. You can plainly see the difference and why an employer would want to establish a prospective meeting with the person behind the 2nd objective statement. Youll still receive your complete commission. If it comes down to it, choosing a resume writing service will be a personal option. As previously mentioned, your resume is your ver y first impression. The horizontal lines that are readily added via sie sagen es are a great way to make structure. A light gray watermark is far more delicate and tactful then type which causes undue attention. The essential word when it comes to the image you would like to create is professional. You need to have a clean, horizontal strike across the webpage. Rather than sending a headshot together with your resume, you should send a hyperlink to your professional on-line profiles, states Augustine. Dont forget, the typical employer only looks at a resume for around 8 seconds. There are four distinct types of resume formats to look at. Where necessary, ensure your procedures deal with technical issues in addition to subjective elements. You necessitate a procedure when a practice. The major aim is to incorporate the info you require. You should streamline your resume since you have limited real estate.