Tuesday, April 21, 2020

What Verbs to Use on Resume - Resume Grammar Tips

What Verbs to Use on Resume - Resume Grammar TipsAre you trying to decide what verbs to use on your resume? Many times, it is not at all uncommon for those seeking employment to have a confusing pile of resumes.The process can be time consuming and frustrating as hiring managers can still find out little of the information that they need from simple written English on the resume. One mistake that people often make is to simply look at the resume itself to figure out what words to use. But there are other ways to make the resume more understandable.You should make a list of the words that you will not use. This can help you keep things organized and will eliminate some of the clutter. Writing things that you simply do not want others to see, do not want them to read or speak these words.You should also use bullet points to make them more readable. Having them on your resume will make it much easier for you to scan the resume quickly.Verbs that you use will require you to focus in on w hat your potential employer wants to hear. You should take the time to research what is important for an employer to see. For example, you would not be writing a cover letter that you are asking someone to call you by the name of Dr. George L. who now lives in Atlanta.The person reading your resume would be more interested in knowing who you are than what you want. In order to make your resume speak clearly, you should be clear on what you want and then explain why that is important to you.As we get older and our world gets more difficult, it is important to remember to keep things simple. A simple resume can sometimes serve as the best way to let a potential employer know what you are looking for in a position.

Thursday, April 16, 2020

Student Loans Income Share Agreements a New Alternative

Student Loans Income Share Agreements a New Alternative Sheila Bair, who as head of the Federal Deposit Insurance Corporation from 2006 through 2011 was one of the few officials to warn of the 2008 mortgage crisis, is now hoping to forestall a similar mess in student loans. Her solution: a new kind of college funding option that would let students trade away a portion of future earnings for financial support now. Since taking over as president of Washington College in Chestertown, Md., in 2015, Bair has noted parallels between the rise of student indebtedness and the mortgage bubble that sparked the Great Recession. High student debt can have “tragic consequences,” she says. “It deters kids from starting businesses. That drags down economic activity. It’s the same dynamic as the mortgage crisis.” She tells MONEY she is now looking for donors to create a $1 million “educational investment” fund. The account would pay some of the bills of Washington College upperclassmen who need funding beyond scholarships and federal student loans. After graduating, they would repay the fund a percentage of their income. She believes the option â€" sometimes referred to as “deferred tuition” or “income share agreements” (or ISAs) â€" is better than a high-interest parent or private loan because “it automatically adjusts with the student’s income, so it is always affordable. It relieves financial distress.” Graduates who lose their job or take a low-paying job won’t be hounded for ISA payments they can’t make, she says. Bair is one of the highest-profile supporters of ISAs, which have been gaining some traction over the last couple of years. Several coding bootcamps have started to waive upfront tuition in return for a percentage of their graduates’ income. Last fall, Purdue University became the first traditional university in the country to launch broadscale experiment in ISAs. About 150 upperclassmen have gotten funding from the public Indiana school’s “Back a Boiler” fund, which requires students to pay about 3% to 5% of their post-graduate income for anywhere from seven to 10 years for every $10,000 they receive. (The rates and payback periods depend on the student’s year and major.) While only 7% of Americans had heard of ISAs, according to an American Enterprise Institute survey released last week, over half liked the idea once it was explained. The poll indicates “there is enough interest among parents and students to support an ISA market that is much larger than the one that exists today,” says Jason Delisle, the resident fellow who oversaw the survey. (Here’s a list of schools and programs offering ISAs for accredited colleges.) One Big Caveat Delisle points out a downside of ISAs, however, noting that they tend to be more expensive for undergraduates than current federal student loans. Undergraduate federal loans currently charge interest rates below 4% â€" making them the lowest-cost funding available other than scholarship grants â€" and already offer income-based repayment options, he points out. The problem is that the U.S. Department of Education limits traditional undergraduates to a maximum annual student loan of $5,500 to $12,500, depending on the student’s age and year. (Traditional undergraduates can only borrow $5,500 as freshmen. Adult students can borrow up to $12,500 a year.) Of course, many students need more than that. Even after subtracting out the average scholarship, the typical student at an in-state public university pays a net price of about $18,000 a year. And undergraduates at private colleges end up paying more than twice that amount, on average. As a result, many students who need additional funding feel they have no choice but turn to federal parent loans, which charge about 7% in interest this year, or private loans, which charge market rates. For most people, ISAs will end up being much more flexible and affordable than those loans, Delisle says. But for those who land high-paying jobs, an ISA would be the more expensive option. Bair says Washington College is working on the details, trying to balance the fund’s repayment need with a desire to make sure that students get a reasonable deal. Washington is considering charging 1.5% of a graduate’s income for every $10,000 in funding for the first five years, she says, then 2% for the next five years â€" with a similar .5 percentage point increase in income-based payments every five years until 150% of the original amount is repaid or 20 years have passed. That would probably be a slightly better deal than a 7% loan, which would offer no payment flexibility and would require a student to end up repaying a total of $15,000 over 10 years. “I think it has a lot of appeal,” Bair says. This story was corrected at 1:13 p.m. 1/31/2017 to correct the spelling of Jason Delisle’s last name.

Saturday, April 11, 2020

How To Use Journalism Tactics In Networking - Work It Daily

How To Use Journalism Tactics In Networking - Work It Daily One of the perks of being a journalist is that you’re always meeting new people. Getting to know those people can help you build relationships and, consequently, lead you to contacts that could benefit you as a reporter in the long run. This article will tell you how to use your journalism tactics in networking. For me, interviewing new sources has always led to something positive. Whether it’s leading me to people who can make my article stand out or to a potential employer, talking and building a networking foundation with others has never hurt my evolving career. How To Use Journalism Tactics In Networking Here are some ways you can use journalism tactics to network with potential employers: Do Some Research: Use Your Resources Before I go after any source to request an interview, I always make sure I do some research first. It would be wonderful if I knew everything about anything, but sadly that’s not the case. The great thing about research these days is that you can conduct a fairly good amount of research from anywhere. Whether you want to use your computer, your tablet, or your smartphone, access to information has never been easier. If you don’t have any of those things, most public libraries allow visitors to use their computers for free. Now comes the tough part. How do you know who you’re going to contact? That all depends. Let’s say you’re looking to talk to a networking expert. Doing a simple search on your preferred browser can lead you to someone by entering your keywords, which in this case would be networking expert. You might get lucky and come to find a list of networking experts or you might stumble upon articles that are about networking. Clicking on articles about your topic never hurt because you also might find sources there. Maybe the person who wrote the article is someone who loves networking and is considered an expert on the topic. Continue this process and you’ll definitely find some key figures to talk to. Contact Potential Employers And Set Up A Meeting Now that you’ve found some people to talk to it’s time to set up a date. Just like there are easier ways to access information online, you can also find out how to contact someone online as well. Say if you found some potential people you can begin networking with and you’ve got their full-names, but no contact information, typing in their names into your web browser is a good first step to getting some results. If we’re still looking for a networking expert, chances are this person is going to have a website and any good website has contact information. If your source doesn’t have a web page you can also try social networking sites like Twitter, Facebook, or LinkedIn. You may not find a direct phone number, but you can use the direct messaging feature on any of the social media platforms above or even adding them to your friends list to get their attention. If they don’t respond immediately don’t panic. Instead, try sending them another message (without being too pushy). If it doesn’t work out, simply restart your search and find new contacts who you can talk to. Remember, this is a learning process and not everyone is going to respond immediately. On the flip side, if your networking expert has responded and is willing to meet, set up a date. Go out and get some lunch or some coffee. If they’re not local, set up a phone call or a Skype meeting to get some of that face-to-face contact. Remember to have some questions ready. If you’ve done your research, you’ll have plenty of things to talk about. Fortify Your Relationships And Continue To Build New Ones Once you’ve met with your source continue to talk to him/her to fortify your relationship. Maybe you can volunteer and help him/her out with something, or maybe you could go with them to a big networking event. The key to strengthening your relationship with someone is to keep in regular contact. That way, you're more memorable. Reaching out to others and building new relationships is never a bad idea. If you’ve already made a friend in your desired field, ask if they know anyone who can provide more insight on the job. You have nothing to lose, and if you’ve built a strong relationship with a source, you’ll only have more to gain. Related Posts 5 Quick Tips For More Confident Networking 5 Ways To Break The Ice At Networking Events Building Your Network: 5 Tips For Shy Networkers Photo Credit: Shutterstock Have you joined our career growth club?Join Us Today!