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Posts Tagged ‘Money Saving Tips’

March 29th, 2012 by Robert Moskowitz   Posted in Career Advice

Improve These Taken-for-Granted Skills to Upgrade Your BrandAre your job-hunting procedures not working as well as you expected, or as they have in the past? One reason may be that the “brand-package” you present to prospective employers is weak in some of the bedrock leadership, communications, and teamwork skills most people take for granted. If your personal brand doesn’t appear to include top-of-the-line skills, you may well be losing out to candidates who lack your overall ability, knowledge, and experience, but who seem at first glance to be stronger candidates.

Here are five taken-for-granted skills that you may want to polish:



Your Listening Skills These are probably the most frequently overlooked skills of all. One sharp young marketer was fired from several jobs and failed to make the short list on other positions for which he was well qualified simply because he didn’t take the time to listen when people spoke. His mind raced ahead and grasped the point the person was making, prompting him to interrupt in order to give his eager response. No one cared that he was smart and knowledgeable. His refusal to hear others out in full earned him low marks from almost everyone with whom he talked. Listening to others carefully and thoroughly is fairly easy to do, but it will happen only after you make the conscious decision to do it.

Your Speaking Skills The way you express yourself is fundamental to other people’s overall impression of your personal brand. In fact, it’s quite common for someone who knows what he or she is talking about - but who hesitates, chooses the wrong word, or even just mumbles - to appear less knowledgeable and capable than other candidates who possess the gift of gab. Fortunately, you can easily upgrade your speaking skills, either by means of professional training, or just by recording yourself on a regular basis and paying attention to the playback. There are also public-speaking organizations, like Toastmasters, where you can learn to make a much better impression whenever you open your mouth to speak.
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August 1st, 2011 by Juliana Weiss-Roessler   Posted in Resumark News

istock_000007261999xsmallLooking to invest in new computers for the office? Before you head to the desktop aisle, take a moment to consider laptops. They used to be too expensive to consider purchasing for everyone, but now they offer large screen sizes that make them easy and comfortable for everyday use, and  are often more practical than desktops.

For employees who use simple programs, like email, word processing, spreadsheet, and basic presentation software, a lower-end laptop may be the right solution. There are many advantages:

Use less electricity.

Did you know that desktops use 2 to 4 times more power than laptops? A laptop may cost a little more than a comparable desktop initially, but because of the money you’ll save to operate it, the laptop will actually be more cost effective in the long run.
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June 29th, 2010 by Sergey Novoselov   Posted in Salary & Finances

risky investmentRetirement plan providers make money even if you don’t. After the market crash in 2008 the value of our 401(k) plans sank dramatically. Regardless of a plan performance, most providers still get a cut of the expense ratio on the funds. After cost deduction for bookkeeping, administration and marketing, there can be money left, which, in most cases, stay with the plan providers and sometimes is used to market their investments to other companies rather than going back to investors.

You may not know where all your money is going. It’s often difficult for an investor to know the exact breakdown of fees for their 401(k) plan. Even if you know the breakdown, it can be hard to figure out what portion of it is an excess revenue. It may soon change: as lawmakers are closing the loopholes, the plan costs become more transparent, which usually lower fees.

You should not be paying the same fees for your 401(k) plan as if you bought it on your own, but you might be. Mutual funds are sold in different share classes depending on different factors. E.g. index funds are typically the cheapest option since they’re not actively managed, while small plans with fewer investors are usually more expensive.
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May 25th, 2010 by Guest Author   Posted in Salary & Finances, Unemployment

Get paid for your resume!For most people, being laid off means a major drop in income, even with unemployment payments and severance pay. It will probably take more than passing up lattes and renting fewer videos to make ends meet. Here are a few suggestions for saving hundreds of dollars each month:

1. Look at Your Car Insurance

As the commercials say, “Are you paying too much for car insurance?” If you have an older car that is paid off, it may not make sense to buy collision insurance. If the Blue Book value of your car is low compared to your insurance premiums you are probably paying more for collision insurance than you will get back if the car is totaled.

If your car is fairly new, you may want to increase your deductible to lower your insurance costs. After all, you are probably driving a lot less while you are out of work.

2. Talk to your credit card company

Many credit card companies have special payment plans for those who are unemployed. For example, Capital One will waive late fees and allow you to pay only the interest on your balance for three months.
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March 30th, 2010 by Sergey Novoselov   Posted in Job News, Salary & Finances

Ben digs sexy resumesAccording to a Treasury Inspector report, over 15 million taxpayers may be surprised by a tax bill instead of the usual tax refund this year. This is especially a concern for people who work two or more jobs, married couples who both work, etc.

If you ended up with large amount of tax you need to pay and don’t have enough cash, there are a few options. Which one is the best depends on the amount you owe and your personal situation.

In any case, you need to file your tax return first (or file an extension). It doesn’t matter if you have the money or not because if you don’t file, you’ll pay a 5% per month penalty of the amount owed (up to 25% of your total bill). The penalty will be only 0.5% per month if you file your return on time. For more info on penalties, see IRS website.

On top of this you will also accrue an interest on the amount owed until you pay your bill in full. IRS interest rates are adjusted quarterly and the current rate is 4%.
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