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Lying on Your Resume Could Be the Best Thing You Could Do For Your Career
The company’s numbers show that 80 percent of all resumes are misleading, 20 percent state fraudulent degrees, 30 percent show altered employment dates, 40 percent have inflated salary claims, 30 percent have inaccurate job descriptions, 25 percent list companies that no longer exist, and 27 percent give falsified references I'm not talking about a bit of embellishment, but outright lies such as mentioning degrees never earned or positions never held Yet there they were day in and day out collecting big paychecks while other people corrected their frequent mistakes It seems very hypocritical for a prospective employer to insist on applicants being entirely honest while they regularly conceal relevant job details

Home Buyers Due Diligence Assists Private Home Sellers
Home buyers will be exposed to a fsbo property online as often as an MLS propertycom are giving the private seller as much local exposure as possible as well as providing a national database search of homescom Expert Help Selling Your Own Home From "The Rogue Real Estate Agent" rrealestatemate

Buying a Home for the First Time or Needing Some Cash? Learn How and When to Use a 1st, 2nd or Reverse Mortgage To Use The Equit
All these terms can make a huge difference in the amount of money you will be paying in turn for borrowing against your home equity Always research terms and conditions of any mortgage, and always borrow from a qualified, trusted source The process of a second mortgage is much like the process of taking out the first The first time you buy a home, it is very common to put down a down payment towards the home price, and then borrow money from a lender to cover the rest of the price

4 Critical Things You Should Demand From A Tax Professional
“In June 2001, for instance, President Bush signed into law the Economic Growth and Tax Relief Reconciliation Act of 2001 The Act significantly alters the tax treatment of several major financial issues, including income, retirement savings, educational savings and estate planning Treasury – but it is not necessarily gone for good4 Critical Things You Should Demand From A Tax Professional by: Sean Schiraldi 1

A Simple Real Estate Investment Plan To Make A Million Dollars or More!
The details you will learn as you go…The key to this is to GO and get started This report is short and to the point and doesn’t have every single detail in itcom In fact, because it’s so simple most people won’t do it

Tax-Free Retirement Planning Services
Therefore, Congress now permits employers who sponsor an employer retirement plan to provide Qualified Retirement Planning Services to employees or their spouses as a tax-free fringe benefit About The Author Ken Morris Fearing the American worker is being left in the dark, Mrcom lindsay, helps 401k participants get the most out of their retirement plan

Changing Jobs? Don’t let your 401(k) slip away.
com lindsay And, as more and more individuals switch jobs, they begin to wonder what they should do with the money they have accumulated in their employer-sponsored retirement plans such as their 401(k) plansbrickner@raymondjames After tucking money away in your 401(k) for quite some time, you may be tempted to use it to treat yourself to a new car or some other indulgence

The SIMPLE Way to Save For Retirement
There is a trade off for allowing flexible deferrals The employer is required to make a fully vested contribution by either: • Matching elective deferrals dollar-for-dollar up to three percent or • Contributing two-percent of compensation to all eligible employees, regardless of elective salary deferral (limited to the current compensation cap for the year - $220,000 for 2006)brickner@raymondjames raymondjames

Leadership Power Stress: (Part 2) Three Keys to Renewal
It boils down to the brain That shift allows leaders renewal of spirit It expands our world by putting the focus on others All these things increase the pressure and leads to power stress

Land For Sale UK
Land For Sale UK by: Nelson Jonshon As they say “Every day, you'll have opportunities to take chances and to work outside your safety netcom, wwwuklandinvestscom etc

The Truth About Credit Card APR
About The Author Michael Colucci is a technical writer for http://www Beware, however, if you have a FICO score below 550 and you still actually managed to find a credit card company who assures you that you’re qualified for a 0% APR intro rate credit card For individuals with FICO scores between 550 and 650, it’s touch and go so better check with a credit card representative first and explain to him if you need to submit more documents to help you qualify for a credit card with 0% APR intro ratesThe Truth About Credit Card APR by: Michael Colucci I certainly can’t blame you if you express disbelief and outright doubt when you read the words “low APR credit card”

Refinance & Mortgage Tips: Your Down Payment Is Key
RefinanceOne If you have employer retirement tax deferred accounts, 401(K) 403(b) accounts etc and would like to use those as a source to finance the down payment, the lender will likely have several special conditions and limitations on the treatment of those funds Visit Tristan and the whole RefinanceOne Mortgage team at http://www

Refinance & Mortgage Tips: Down Payment From Savings
If you have money in a bank account for 3 months and it reflects consistently in consecutive statements, that money is considered “seasoned” 3 months Money in the bank is also very easy to document Visit Tristan and the whole RefinanceOne Mortgage team at http://www Your lender may require that your down payment money be comprised of seasoned funds, and that any large influxes of capital into your bank account may have to be extensively and thoroughly explained, documented, and potentially disqualified

Hairdressing Is A Job For Life
About The Author Mark Hammond I have been in the hairdressing business for the last 20yrs or soand the UOf course a lot of people reading this will no only too well there simply are not those type of careers available in this day and ageIf you don’t want any of these options you can simply cut hair at home or go mobile

Early Distributions From Retirement Plans
Because of the importance of the decision and the complexity of the rules, many thoughtful taxpayers consult professional financial planners and tax advisors before making what could be a critical decision The other exception to the 10 percent penalty rule applies to all types of retirement plans including IRAs and SEPs When an individual eventually decides to tap into his or her retirement fund, withdrawals from these plans are subject to regular income taxesEarly Distributions From Retirement Plans by: Ken Morris Qualified retirement plans and individual retirement accounts (IRAs) are great vehicles to take advantage of tax-deferred growth potential and save for retirement

The ABCs Of Stock Options
If the employee sells the stock before these requirements are met, gain on the stock is taxed as ordinary income in the year of the sale, essentially converting the ISO to a non-qualified stock option, helps 401k participants get the most out of their retirement plancom For example, to qualify for the favorable long-term capital gain taxation, the employee must hold the stock for at least two years from the date the ISO was granted and for at least one year from the date the option was exercised

Retirement Plan Security Inspection
It is important to know that there are laws specifically designed to protect the interests of qualified retirement plan participants and their beneficiaries If you would like to know more about ERISA, or if you require more general information regarding qualified retirement plans, such as a 401(k) plan, contact your financial advisor The Employee Retirement Income Security Act (ERISA) was passed in 1974 to specifically protect the retirement plan assets of qualified retirement plan participantsRetirement Plan Security Inspection by: Ken Morris Given recent events in the news, many employees have begun wondering what would happen to their 401(k) dollars if their company were to go into bankruptcy, out-of-business, or was merged or acquired by another firm

Don’t Knock Taking Your Employer Stock
Of course, diversification considerations and other investment fundamentals may show that rolling over stock to a traditional IRA may be the most prudent choice in many casescom However, the taxes due will be only on the cost basis of the stock In addition, there are no minimum distribution requirements starting at age 70 1/2 or other nasty penalty taxes for this block of employer stock, allowing for more planning flexibility

Know How To Take Your Lumps
com lindsay The traditional IRA account provides you with an opportunity to continue building assets during working years through continued tax-deferred compounding Basically, you are faced with two main options • Distributions may be made from a traditional IRA account at any time after age 59 1/2 free of penalty

Free Money Through Grants: Fact or Fiction?
With Federal funding cutbacks and the competition for grant fundings becoming more intense, seeking free money through a grant requires not only time, but also money, with no guarantee of success Penalties can range from economic sanctions to prison in the instance of improper use or theft of this free money Shafritz, a grant is "a form of gift that entails certain obligations on the part of the grantee and expectations on the part of the grantor Often, it's more work, not to mention more time and money spent obtaining a Federal grant, than obtaining a low interest loan

How To Deal With Your Auto Insurance Company
Another option that you have is to ask for reassessment of your claims from the appraisal service or the arbitration service of your insurance company There are actually several peaceful options which a policyholder may undertake depending on the degree of insurance dispute In fact, they take place every dayHow To Deal With Your Auto Insurance Company by: Stu Pearson Disputes, especially when it comes to settling insurance claims, are not new scenarios

Spicing Up Your Resume With Extra Information
He wrote the Job Search Handbook to provide job seekers with a complete yet easy to use guide to finding a job effectively Coaching ball exhibits that you are able to deal with young people in organized activities If, however, you coached for the city league basketball team, it might help you secure a job at a local high school What is your goal? Your main goal should be to create a resume and a cover letter that shows you are uniquely qualified for the position in question and that you possess skills outside of the everyday applicant

Facing Resentment From Unsuccessful Candidates
Now she feels she has lost that chance About The Author Helen Wilkie is a professional keynote speaker, workshop leader and Official Guide for "The Manager's Journey" Initiate a discussion It's imperative that you sit down and have a meaningful discussion with the individual concerned Let's talk about where we go from here

Make Money In Your Underwear With Passive Income
Do you have a unique form, software, or process that you use that makes your work easier? Document your process, find a developer to package your software, or package your process as an infoproduct, cd, teleclass, or ecourse Dentists pay a fee to be part of the dentist networkhtml CREATING YOUR OWN INFOPRODUCTS What is your secret to success? Success sells, and if you have your own personal method to getting there, others will pay to hear itwebaffiliateprograms

Health Savings Accounts - What You Should Know!
For more information on health savings accounts visit the site today! Another enticing option regarding health savings account is the savings aspect While Congress passed the legislation creating Health Savings Accounts in 2003, it has taken a while for the word to get out Also in most cases, it's very possible to realize large savings on your yearly insurance and medical expenditures

Are You Being Bullied?
UK Tel: +44(0) 20 8954 1593 Fax: +44(0) 20 8907 9290 Email: info@carolespiersgroupcom/mediaenquirysheetcom If you would like to book Carole as a keynote speaker or conference chair at your next conference - check out www HA7 3QR

How To Impress At An Interview, And Land That Job
It only takes a few minutes to pen a “Thank You” note to an interviewer, but the gesture speaks volumes about your professionalism and the importance you place on good customer service It’s also important to always take a shower, brush your teeth, and comb your hair before an interview as well to present to clean, polished image Have you faced any challenges that forced you to think quickly on your feet? How do you go about evaluate alternatives when you have to justify a decision on a project? Prepare and ask intelligent questions about the company and position Your research on the organization will also come in handy when it comes time to formulate a series of intelligent questions you want answeredInsurance-Job

How to Find a Job in Insurance
Depending on the type of insurance you are most interested in, visit the recruiting departments of various insurance agencies to inquire about available positions Aligning yourself with a recruiter can give you access to jobs that are often not advertised to the public This article may be reproduced as long as the resource box and live links remain intact The great thing about recruiting agencies is that allow you to “apply” for positions at multiple companies simultaneously with a single resume submittal, since most recruiters will shop your resume around to all of the available openings

Quick Resume Writing Tips: Evaluating Your Resume
http://wwwInsurance-Job - Overall Resume Review: Is your resume well laid out? Is it pleasing to the eye? Is your resume less than one page if you are a student or new to the workforce? Is it less than three pages if you are an experienced professional? Have you chosen legible fonts throughout your resume or do the fonts detract from the context of the resume? Have you used spell check and/or dictionary to ensure that there are no spelling errors? Has someone else (outside of yourself) read your resume for grammatical errors? Does your resume use proper English? Is your resume memorable? Does it stand out in a crowd (but in a positive way)? Is your resume tailored to the type of position you are seeking? How do you come across when your resume is read? What will an employee think of you? Are you pleased with your resume? Does it do a good job of telling an employer who you are and why you are a good candidate? - Introduction: Do you have your name, address, and contact information clearly displayed at the top of your resume? - Objective (if included): Did you limit your objective to just one or two short sentences? Is your objective clear and concise? Or is it ambiguous? Is your objective focused? Does it make sense given the position you are targeting? - Education: If you have a college degree, have you placed the details of your Education at the top of your resume? If you do not have a degree, have you placed the Education section after your Professional Experience? Is it clear from your resume that you have obtained a college degree, if you graduated? If you did not graduate, is it clear that you do not yet have a degree? Are details of your college major and minors (if applicable) included in the Education section? - Professional Experience: Is your work experience presented logically (either by date or by subject area)? Have you limited your work experience to no more than 4-5 previous positions? Have you accounted for any gaps in your work history that an employer might question? Do the name of the company, your job title, and dates of employment for each position stand out for easy identification? Does each position support the resume and your objective? Could an employer quickly scanning your professional experience easily identify a number of key words and action verbs that will identify you as a solid candidate? Have you limited the information in each position to those that are the most relevant to the position to which you are applying? Does your experience seem to flow together or is there a lot of jumping around between positions, companies, and industries? If you worked for a lesser known employer, is each company’s business and industry clear from the company’s name? Have you supplied a quick identifier for each lesser known employer? Is your professional experience accurately and honestly conveyed? - Skills: Are the skills you have listed relevant to the position to which you are applying? Do the skills listed accurately convey your experience and knowledge in each area? - Other Sections: Do any other sections included in your resume enhance your presentation? Are they relevant to the position to which you are applying? About The Author Laura Adams is a qualified careers advisor with 11 years experience Insurance Career Information - Resources, News, Tips and Views to help Insurance Professionals find their dream jobs

How To Dissect Mutual Fund Returns
Opinions expressed herein reflect the opinion of AlphaProfit Investments, LLC and are subject to change without notice Compound Annual Return The reported 6 Is the performance of the fund superior or inferior? How tax-efficient is the fund in delivering these returns? Are the returns of the fund commensurate with the risk the fund manager has taken to achieve them? Savvy investors will seek answers to such questions when evaluating mutual fund returns48% over the same period

How To Dissect Mutual Fund Returns
Opinions expressed herein reflect the opinion of AlphaProfit Investments, LLC and are subject to change without notice The ratio is calculated using the formula (mutual fund return - risk free return)/standard deviation of mutual fund return The information contained in this report is obtained from various sources believed to be accurate and is provided without warranties of any kind Risk-adjusted returns enable investors to assess how a fund’s returns stack up when risk is factored in

Taking Responsibility For Your Fiscal Wellness
Now, what if we tell you that by employing a certain strategy correctly, you can improve your chances dramatically? Instead of having two of three scenarios possibly go wrong, you would have two of three scenarios that could go right All of us who invest in the stock market know that there are three possible outcomes after we make a stock purchaseoptionsuniversity It is bad because not only could you have put that money to use in something with less risk that might have produced a return, but you also incurred commission costs on the way in and out which added to your loss

Resolve to Focus on Results in 2006—Website Results, That Is!
Visit us at http://www Optimize your site for your customers Set aside a percentage of your annual Web budget to continually optimize, measure and tune your customer’s experience Archer, a former IT Communications Director, is a certified professional search engine marketing strategists Think about it, how many of your resolutions have the real potential of adding to your bottom line? If your website isn’t providing results, it’s time for a change

Life Insurance – Why Does The UK Have A £2.3 Trillion Protection Gap?
Using an average income of £20,000 and assuming that the value of protection needed ranges between 5 and 10 times income, they put a value on the protection gap at £23 Trillion Protection Gap? by: Michael Challiner According to Swiss Re, one of the world's largest re-insurance companies, less than half of the UK population has any form of life insurance protection The application process can also be put some people off

Coosing The Right Accounting Software
Also be absolutely sure that if you aren’t absolutely sure about what you want and need it will be even harder for someone else to understand what you want and need If you haven’t bought a package yet make a list of your business’s requirements and make sure that the software seller actually shows you how to perform these tasks easily Their knowledge when I met them for the first time ranged from being qualified accountants to those that had never even switched a computer on – let alone run an accounting software packageau that gives advice on all aspects of accounting software from choosing, setting up and using it

Credit Card Consolidation
Combining all your credit card bills into one means that you only pay one billcreditcard-directoryE About The Author S

The Business Autopsy: A Fact Of Life
com Believe me, I knowprosperityandprofitcom http://www

Merit-Based Financial Aid – a Real Merit To Students
Also, the student applying for a merit-based financial aid package need to be enrolled, or accepted for enrollment, or must be attending at least half-time in an approved postsecondary educational institution Though most scholarships are a combination of financial need and merit, but still there are several scholarships which are purely based on meritcashbazar Also don’t forget to research institutional scholarships

Managing Employees Is A Little Like Herding Cats
These products range from simple paper forms to fancy web-based applications I have 5 employees now and it seems like I spend half my time making sure they are doing what they're supposed to be doing and the other half of my time doing things they didn't get donesmallbusinessqa If it's a sales job, you want to hire someone who has proven that he can sell

New Year's Resolutions - Executive Compensation Style
The mixed message is that the executives will be rewarded, regardless of whether or not they achieve the company’s business objectives Similarly, a recent example where a Compensation Committee probably did not fulfill its duties to the shareholders, Board or itself, was one in which the Committee provided a severance payment in excess of $5 million to an executive who was forced out for poor performanceD Ultimately, change should begin at the source

Don’t Skip the Follow Up After an Interview
com) that put you in charge of your career so you can get the job you deserve Many hiring managers will interview multiple candidates and only hire from those who send thank you letters About The Author Heather Eagar Are you guilty of sabotaging your own job search along with the opportunity to earn more money? Heather Eagar, a former professional resume writer and creator of ResumeLines It is a necessary skill that puts the capstone on the interview or other contact you had, makes you appear to be thoughtful and intelligent, and puts you above the crowd

First Time Real Estate Purchase
The seller wants the most money and the buyer wants to pay the least amount • Advise the client on structuring an appropriate offer to purchase the selected property This tool can help you get to know the real estate market in the area you want to live Her specialty is working ith 1st time home buyers

Getting The Biggest Benefit From Tax Help
About The Author Stephen Kreutzer is a freelance publisher based in Cupertino, California These offers only result in high fees and less of a returnjusttaxes Getting the biggest benefit from tax help depends why you need help in the first place and where you get that help

Buying A Home 101
Consider the above points as helpful factors when you to decide to buy a home - Final Check Do a final inspection or walk-through of the house before settlement and before the contract is processed - Points and Plus Learn how to bargain and get the best possible deal In finding a reliable agent you will need to look at many sources of information to determine “who represents what”

Is It Time To Pass On Your Wisdom? Are You Ready To Be A Mentor?
Apart from cost, the flexibility of an intern is hugely beneficialevent-management-ukco

How To Choose The Right Small Business Billing Software
8) Online help & support If you're a new computer user, then you'll definitely need a software package that has a comprehensive online and easy-to-use help system 9) Budget How much are you going to spend? That really depends on the complexity of the software package you are looking for In fact it is a necessity in today's competitive market