Financial infidelity 8 signs you might have a problem

Financial infidelity 8 signs you might have a problemFinancial infidelity 8 signs you might have a problemFinancial infidelityis a major problem in marriages. Today Im seeing more and more couples with separate bank accounts and keeping their finances completely separate. There are a few reasons you might want to do this, but most couples should be combining finances.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreFirst, Ill share which couples qualify for keeping finances separate.Reasons for Married Couples to Keep Finances SeparateI wrote acase for keeping separate bank accountson Rockstar Finance last year. In the article, I shared six reasons that couples might want to have individual bank accounts and split the bills.1. You have a blended familyIf youre remarried and have children from a previous marriage, chances are youre responsible for carrying a term life insurance policy in a specif ied amount with your ex as the beneficiary (for the benefit of your children). This can get tricky when you have more kids with your new spouse splitting beneficiaries. You might want to have separate policies for each.2. Youve been through a nasty divorce (or more than one)Both my husband and I have parents who have collectively been married (and divorced) 15 times. 5 marriages for my mom, 2 marriages for my dad, 3 marriages for his mom, and 5 marriages for his dad. Sometimes, youve just gotta protect yourself in case of financial infidelity or other issues.In this case, I recommend having a joint bank account for bills and keeping separate bank accounts for the rest of your expenses. If youre looking for a great high yield savings account thatll earn you more interest than a local bank, heres my favoritehigh interest savings account3. One spouse is a major spenderIf your spouse has a tendency to empty the bank account every payday, you might want to keep finances separate and offe r him or her a weekly allowance or fun money (and no debit card). Why no debit card, you ask? Because emotionally, plastic is easier to swipe and spend than handing over a $50 bill.4. You or your spouse has an addictive personalityDo you keep cash out of your paycheck every week to play slots or buy scratch offs? Are you an alcoholic? What about a recovering alcoholic or addict? Who here likes to shop more than he or she should? By keeping separate bank accounts, youre protecting your bill money. Again, you can still have a joint account where the bills are paid (with no debit cards) and have a separate account for your fun money. But when its gone, its gone. No dipping into the bill account for your bad habits5. Youve received an inheritance or are a self-made millionaireA prenup is always a good idea when you are entering a marriage with a good amount of money. You might want to consider having separate finances if this is the case. Ive seen too many couples where one spouse empti ed the bank accounts and opened new accounts before filing for divorce with no recourse. Joint accounts are joint ownership. This means that all parties technically own the money in the account. Consult an attorney if you have questions.6. You have any reason not to trust your spouseInfidelity comes in several different forms. If your spouse is a cheater by nature, keep your finances separate. Youve got toprotect yourself financially in case of a divorce.You canopen a high-yield savings accountwith $100 to start. Out of sight, out of mindNow that weve discussed why you might want to keep your finances separate, lets address the issue of hiding money from your spouse in marriage.8 signs of financial infidelity1. You dont know how much your spouse really earnsYou think you know how much your spouse makes? Do you see his or her paycheck stub? Do they communicate with you about raises and bonuses? Do you know the exact amount of net income each pay period? What about how much theyre con tributing to retirement? ansicht are all important questions to ask. If you cant answer these, its time to sit down with your spouse.2. He keeps a large portion out of his paychecks and you have no idea where it goesMy ex-husband used to do this. Hed take his paycheck to the bank every week and keep a large portion (were talking hundreds) out for himself. He ate fast food, drank a lot of beer, and smoked a lot of cigarettes. Notice I said this was myex-husband. Financial infidelity can destroy marriages.3. Youve recently found a credit card statement for an account you didnt know existedDoes your spouse have credit cards that you dont know about? Why so secretive with the purchases? Many cheating spouses open additional credit cards so that they can hide money spent on the other woman (or man).4. Money has gone missingIf youve noticed money missing from your savings accounts (or checking account), your spouse might be unfaithfully hiding something from you. Take inventory of your ac countsat leastonce a month. Make sure everything is accounted for, and if its not, address it immediately. Communication is key.5. Youve been removed from joint credit card accountsCredit cards give the option of adding authorized signers. If youve been alerted that you recently closed an account or your credit utilization ratio increased, your spouse may have dropped you. You can get a copy of your credit report from Experian or Transunion. You can get all three for free once per year atannualcreditreport.com.6. You remove tags from clothing to make it look like its always been in the closetHave you ever done this? Be honest If youre removing tags from clothing so you dont get caught, yourecommitting financial infidelity.Its okay to treat yourself once in awhile, but when you start having to hide it, youve got deeper issues.7. Your spouse gets defensive when you bring up moneyDo the walls go up when you start asking questions about money? When you bring up specific purchases, does he try to change the subject or make jokes? These are major red flags8. You cant have the passwords to his computer, let alone his online bankingListen, when you got married, you gaveallof yourself to another person. That means you each get unrestricted access (at least visibly) to the bank accounts. If you dont have this ability, its time for a come to Jesus meeting.Financial infidelity in marriageis a scary topic. No one wants to face the fact that their spouse could be lying by omission, spending on things he or she shouldnt, and keeping secrets. But if you see signs above and are wondering if there are things you dont know about your financial situation, sit down with your spouse and talk about it. Heres howTalking about money with a defensive spouseIf money talks always end in fights, theres a gentle way to ease into the conversation. Start out by saying, Honey, I am so tired of being broke all the time. And I know you must be, too. Maybe we should sit down together and combine forces to see where we really stand so we can tackle this thing head-onBy coming from a collaborative standpoint instead of an accusatory one, your spouse is likely to be more receptive to talk. He may be itching to come clean about some of the issues that have been plaguing him.Money and marriage next stepsMoney used to be a taboo subject. So many people didnt discuss money, income, finances, etc and now a simple google search for income reports yields actual income earned. When you decide to have your first money and marriage meeting, discuss the followingBring paycheck stubs. You show me yours and Ill show you mineBring all the bills and expenses to the table. Nothing goes unnoticedBring bank statements and a highlighter. Highlight fast food and convenience store purchases. How much money is each of you throwing away every week?List debts owed, smallest balance to largest and make a plan topay it all offusing thedebt snowball or debt avalanche method.Remember your vows. Honor on e another and the promise you made to care for one another, til death do we part.This article first appeared on Melissablevins.com .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

6 Hard Truths Every Job Seeker Should Know

6 Hard Truths Every Job Seeker Should Know6 Hard Truths Every Job Seeker Should KnowTo find success in your job search, you cant have any false assumptions. Too often, talented people find themselves upended because they were surprised about something they didnt know or expect. Here are six things you should keep in mind throughout your job hunt 1. You need to have the necessary skills and experience to get a job. I would have loved that job and could have figured out how to do it with some training and help along the way. Employers hire people because they are convinced those hires already have the skills and experience to do a job well. That doesnt mean you cant make a significant career change. But no matter the circumstance, you need to somehow demonstrate a strong basis of relevant skills and experience upon which a hiring manager can predict your success.2. Just because you have the required skills and experience doesnt mean you will get the job. From an employers standpoint, t he hiring process is about much mora than matching candidate skills and experience with a job openings stated requirements. They also carefully consider that elusive quality called fit. While it isnt a very satisfying reason to hear when you are rejected, fit can include personality, temperament, career progression and a host of other legitimate elements.3. You will likely be asked the salary question in your first conversation. Be prepared for it. Rather than fumbling or becoming rattled, give a respectful answer that highlights a current or recent compensation level. Make it clear that you understand that the salary in this job will be different because the role, environment, cost of living and other factors will be different. Then, quickly deflect the conversation back to talking about the value you offer rather than the cost you represent as a new hire.4. Employers are interested in your key accomplishments and how you attained them not your job description. You can pretty much assume that serious candidates for a given role will all have histories of more or less similar responsibilities.When you begin bullet points on yourrsumwith Responsible for you lump yourself in with the rest of the candidates andprovide no reason why your background is superior to theirs.As an alternative, use a CARchallenge, action, resultstatement.Explain one of your responsibilities, and then highlight what you actually did and what value resulted from your actions. Heres an exampleChallenge Grow and transform a fallow sales territory with few accounts into a vibrant and consistent revenue stream.Crafted a business plan and obtained buy-in from management. Prospected, formed new relationships and closed XXX new accounts resulting in $YYY of revenue.5. Employers arent interested in what you did in 1997. There is no need to highlight skills or expertise that are passe. If you surfed the World Wide Web using Netscape Navigator, composed documents in WordPerfect for DOS and made L otus 1-2-3 spreadsheets, no one cares. Really The same is true about listing jobs you held more than 10 to 15 years ago. Like or not, in almost every instance, they are no longer relevant. In the interest of honesty, it is very reasonable to include a line like this in yourrsum,under the earliest position Details of prior experience are available upon request.6. Sour grapes make you sour. Even if you only apply to jobs for which you believe yourself to be well-qualified or even perfect, no job is a shoo-in. You will get rejections. Sometimes youll get many rejections. Stuff happens. Maybe yourrsumwasnt read. Maybe the hiring manager wasnt smart enough to figure out how great you really are. Its possible that the job was hard-wired forsomeone else.Its true that life isnt fair. Wallowing in self-pity or placing the blame on others for the job you didnt get wont get you the job you deserve. Often, just the opposite is true. When you blame your circumstances on the faults of others, you rob yourself of the ability to go forward with a positive attitude. Without that, no matter how skilled and experienced you are, chances are good you wont have the positive energy it takes to do what must be done to succeed the next time around. Happy huntingArnie Fertig, MPA, is passionate about helping hisJobhuntercoachclients advance their careers by transforming frantic Ill apply to anything searches into focused hunts for great fit opportunities. He brings to each client the extensive knowledge he gained when working in HR staffing and managing his boutique recruiting firm.

Follow up Emails to Make Recruiters Smile

Follow up Emails to Make Recruiters SmileFollow up Emails to Make Recruiters SmileYour recruiter helped you get an bewerberinterview. And you are convinced beyond a reasonable doubt that you had the best interview ever. Then, you met with a recruiter who showed lots of interest in staying connected and works with the all the great companies you want to be a part of. And these recruiters all said to you, Keep in touch.But then a couple of weeks pass and you havent heard a thing and you havent written a thing. You want to write the recruiter. But you also want to leave these recruiters smiling when they read your email.So, here are some great templates to help you put a smile on a recruiters face when you are nervous you may come across as annoying.1. Follow up with referralsOne of the best ways to make a recruiter smile is to write them with referrals or offer to find referrals for any job they are working on. If you can accelerate their hiring process you will score big with them. He re is an exampleDear insert friends name,Earlier this month, we had spoken after meeting to discuss this job. I was contacting you to landsee if you had an update or feedback on my interview with company.In the meantime, I would happily refer anyone to you. Please let me know. As a job seeker, I know others in my network looking for new work. Maybe I can refer them to you?It would be my pleasure to assist.Best wishes,nameShort and simple. But remember This type of follow up email should be saved for recruiters you really have a strong desire to work with. This is not the type of email you send to all recruiters because, if you do, you will find yourself making promises to people you cannot keep. And that never goes over well with anyone. You may also end up doing lots of work for people you hardly know.2. Interview follow up emailsWhen you follow up with an email after an interview, you may want to offer to connect on other channels such as LinkedIn. You also want to avoid sounding desperate, nervous, needy, or negative. Sure, you had an interview and heard nothing. But there is no reason to assume the worst. Instead, try an email like thisDear insert recruiter name,I recently interviewed for a job opening at insert company name for the position of insert position name thanks to your recruiting efforts. The position fit perfectly with my experience in insert experience, insert experience and insert experience.I was writing to see if you had an update and also to invite you to connect with me on LinkedIn. You can learn more about me here on my LinkedIn Profile insert LinkedIn Profile url.I recently followed your posts insert social media site and appreciate what you share. You offer valuable resources for job seekers and I like the way you interact with others.If you have time, Id love to set up a call and talk. I have some availability on insert days next week from insert time span with time zone. You can email me at insert your email address or by phone at in sert phone number. I look forward to speaking again soon.Sincerely,insert your nameGive these emails a try the next time you find yourself in similar situations. Job seeking is not easy and you will come across many people and personalities. The emails above will help you network with those recruiters you want to be working with all the time.

What to do if a company asks for your Facebook password in a job interview

What to do if a company asks for your Facebook password in a job bewerberinterviewWhat to do if a company asks for your Facebook password in a job interviewHow to respond when faced with Shoulder surfen during a job interview.Imagine youve been on the job market for about six months. You are paying your mortgage on your credit cards at this point. Your unemployment benefits are about to run out and your job prospects remain dismal, no matter what you seem to do.Finally, you land a killer opportunity, pass the phone screen and show up to an interview with a hiring manager. Just as you think youre about to close the deal, she spins her computer screen around and asks you to login to your Facebook account.What do you do?This is common enough that it now has a name Shoulder Surfing. According to Lori Andrews, a law professor at IIT Chicago-Kent College of Law specializing in Internet privacy, this practice is coercion if you need a job. Not to mention the violation in Facebooks privacy p olicy, albeit unenforceable.Facebooks official statement is that shoulder surfing undermines the privacy expectations and the security of both the user and the users friends and potentially exposes the employer who seeks this access to unanticipated legal liability.The ruling, made by the FTC in May, 2011, was that companies can use social media information as part of a background check, but this information must be available from public databases. In other words, strictly speaking, it could be illegal for companies to use private social media information against you without your consent. (I say could be because I am not a lawyer, I just pay attention.)However, there are some cases wherein this type of deep probing could be deemed appropriate for example law enforcement or defense. In this case, it would be easy for the employer to defend their request to access private data as it pertains directly to the candidates qualification to perform the job.But when Justin Bassett, a statist ician based in New York, was asked for his Facebook password he refused. And so should you. Many states are already in the process of introducing legislation against this practice, and if you live in Illinois and or Maryland, such legislation already exists.How to Protect Your Privacy in a Job SearchAs our economy makes its baby steps towards recovery, chances are that fewer people will need to find a job that desperately. Assuming your situation is not dire (and its probably not, the unemployment rate for people with bachelors degrees or higher is only around 4.5%), here are some responses you can memorize and use in an interview just in case they ask.I take my agreements very seriously. And it is against Facebooks user policy to share my password with anyone else. Im going to have to respectfully decline your request.Im sure your firm has a social media policy. Well, it is my own social media policy to use Facebook for personal reasons. I mean no offense, but Im going to have to d ecline.Privacy is a very serious matter for me. Should I be employed with your organization, I would honor private company information just as seriously as I honor my own. Even if this means losing a great opportunity for me, I must refuse your request. And know that if I were presented with a similar situation with your private information, I would respond in the same way.I wouldnt want to jeopardize your organizations standing with OFCCP s regulations about asking about kids or other protected private matters in the course of an employment decision. Therefore, if you dont mind, Id prefer to keep my Facebook profile private. However, should you and I become friendly after my employment, I would have no problem having you in my network.I will leave you with one final thought. Never forget that Facebook owns your data no matter what - and it takes up to seven days for them to remove deleted information from their database.When you use social media you are a publisher. Never forget t hat. When people complain that they now have to watch their step with every post, welcome to reality. Thats the way it always was. And I think these issues are arising precisely because we are all maturing in our use and our understanding of social media.

The Ultimate Manual to Project Manager Sample Resume

The Ultimate Manual to Project Manager Sample Resume What You Should Do to Find Out About Project Manager Sample Resume Before Youre Left Behind Take note of the particular projects youve undertaken and the outcomes youve accomplished. A free resume template is a kind of basic sample for a resume that an individual might want to develop. If you search for a few of the completely free sample resume statements, then you are going to observe they do not is composed of any sentence in first individual. A digital sample resumes free can permit you to pick the way by which you will type your resume and the message which you like to send to the possible employer. If your business is going through a slow period or the economy is down, attempt to be flexible and understand how to respond if your boss suggests a decrease amount than that which you could have been expecting. You need a clear idea about what sort of a job youre applying for and then prepare your resume accordingly. The world economy is experiencing tough times, so if youre eying a job that you should prepare yourself well. Therefore, if youre eying work, think again, you require a person to aid you on getting your details in place. The Project Manager Sample Resume Cover Up Sample resumes can be obtained for each job possible and youll be able to download many specific samples at no cost as a way to boost your resume. Free of charge samples are products or services provided to a possible client to allow them to try out the item or service without charge. They can also be provided for services and the Internet is being increasingly used to provide free samples of different services. Completely free samples are usually distributed during a new product launch or any time the business would like to capture greater market share for the item. There are several free resume samples or templates readily available online, which make it simple and convenient for someone to modify one according to their very own requirements. Among the downsides to finding free sample resumes on the net is that theyre often merely a picture. Sure, its probably not your favourite thing to do, but there are a lot of totally free sample resumes on the web or in document programs, such as MS Word, that may allow you to understand the proper resume format. Nowadays free samples may also be obtained through websites of organizations. New Step by Step Roadmap for Project Manager Sample Resume Resumes can follow distinctive standards. They are likely to be industry specific. They are created to highlight the best side of a person. Sending a generic resume for each and every job isnt the perfect approach. Do Make Your Resume Computer-Friendly The very last thing you would like to do is to create a resume thats tough to read on a computer screen. If you set certain numbers of job applications and resumes sent each week, it is going to let you keep moving forward and keep up a positive attitude. Highlighting the prior employment record will demonstrate the responsibilities an individual previously held and the length of time they usually maintains a job. Resume tips for felons are a big assistance. Personality wise its essential to have a determined and to be in a position to address stress well. If you dont prefer to landsee a professional resume writer, be ready to be one your self because one way or the other you must get on with one of the greatest resumes along with you if youre looking for success. Any obvious mistakes will damage your credibility. There are a lot of networking tips which are as important if not more important than your resume when it has to do with getting work. There are a lot of unique ways one can gather a resume that if you should attempt to choose one which you would be utterly confused. There are a number of ways to compose a cover letter. You will also require an outstanding cover letter. When writing a cover letter there are lots of things to include. A great cover letter isnt an overview of the resume whatsoever. SAP Project Managers work to keep a portfolio about the technological and functional projects that are relevant to a SAP undertaking. Technical Project Managers deliver project management services with the goal of ensuring a high degree of consumer satisfaction. Ensure client expectations are satisfied and that all project deliverables are completed in time and price range.

Unbiased Report Exposes the Unanswered Questions on Concierge Executive Services Resume Writing Kansas City Mo

Unbiased Report Exposes the Unanswered Questions on Concierge Executive Services Resume Writing Kansas City Mo The Concierge Executive Services Resume Writing Kansas City Mo Cover Up Keep in mind, your resume is the best method for you to receive your foot in the door for a desirable job. Writing the Concierge Resume TemplateCreate Resume A resume will probably be your very first introduction to a possible employer. Now its your responsibility to fulfill your professionally written resume. Definitions of Concierge Executive Services Resume Writing Kansas City Mo You may look at the hospitality concierge resume sample to receive a better idea of what hiring managers start looking for. Make sure to personalize your concierge resume for each job opening and make certain to include your special skill sets like reliability, multitasking, organization in addition to an innate understanding of the region. Utilize your resume to highlight how you are able to help bring a personal tou ch to the specific hotel or resort youre applying to. Youre a personal tafelgeschirrs business. At any writing service its the endeavor to give you the best of the services and also supply the resumes that are as per the most recent market trends. So, besides checking the search results, its essential to look at the feedback of earlier customers. Not all resumes are perfect for all sorts of jobs. The majority of the resumes writing services dont offer you the chance of direct contact by making use of their writers. Sales managers and recruiters are very busy individuals, and the job of reading resumes is an essential evil on their road to success. Do your studying to learn whatever you can about the organization and the work you would do and use the same type of language thats used in that area. For instance, you may need a person who can write IT resumes or sales resumes. The writing services make sure that you find it possible to catch the interest of the recruiters so th at you have the interview call for your fantasy job.