How is Your Credit Score Determined

How is Your Credit Score Determined 35% Payment History (paying on time). Notice that paying on time is the single largest factor in computing your credit score. If you are likely to forget to pay your bills on time, set everything up on auto-debit! This is super important! 30% How much you owe vs. how much credit you have available. If you have $1,000 available on your Visa and you owe $1000, your credit utilization is 100% because you are using every dollar of available credit. This is bad. If you owe $1,000 but have $10,000 of credit available, your utilization rate is only 10%. This is good. 15% How long youve had credit. The longer youve had an account the better. Thats why some argue that using the same card is better than jumping around to new cards with lower interest rates every 6 months. 10% New credit. Try not to open more than 1 new credit card per year. Opening lots of new cards can hurt your credit score because it looks like you are semi-desperate. This means dont open a new card every time a store offers you 10% off. 10% Types of Credit. Diversified types of credit is best, meaning you have more than just credit cards on your credit report. Graph from myfico.com.

Consumer Math Course - What to Look For When Taking a Cruise

Consumer Math Course - What to Look For When Taking a CruiseYou may find it helpful to review some of the questions that you may have when it comes to hiring a person for your consumer math course. In doing so, you will be able to get a better understanding of the type of person that you are looking for as far as a person who is going to fill out a resume and do job interviews. You may also want to take this opportunity to learn more about the consumer math career cruise and what you can expect when you decide to go on a cruise.First and foremost, you will need to be willing to go to a certain place and spend time on a particular ship. The type of job that you are applying for will depend on the destination that you chose to go to. It will be important to consider which destination would be more appropriate to work at.There is no limit to the amount of shore work that you could do when you are on a job cruise. What you do on a cruise is up to you. However, if you are not willing to g o to the same place and do the same thing over again, then it may be time to consider a different career option.Another aspect of a consumer math course that you will want to consider before you choose to go on the job cruise is whether or not the cruise line offers the consumer math course. This means that you have to make sure that you are getting what you pay for. Many times, cruise lines offer a high end class that is more than just an average consumer math course.Most of the time, a cruise does have a very good reputation in many circles, but there is a certain extent to which this comes at a price. Therefore, it is essential that you look for the cruise that best suits your needs and budget. This way, you will be able to make sure that you get exactly what you are looking for without having to sacrifice quality and class.In addition to the standard services that a cruise offers, there are certain aspects of the cruise that you will want to consider when considering whether or not the cruise line is going to meet your needs. Most cruises offer massages and other services that could help you relax while you are away from home. Therefore, it is important that you look for cruises that are going to offer this type of service.In addition to the basic services that a cruise line offers, there are certain degrees of comfort that you will want to have while you are on the ship. These include not only the accommodations but also the services that the cruise line offers that are geared towards your needs and the needs of your family. If you are looking for a family-oriented cruise, then you should consider looking for cruises that are set up so that you can bring your children along.There are several factors that you may want to consider when you are taking a consumer math course. This includes things such as whether or not the cruise is set up to meet your needs and if the cruise can offer you a place that is conducive to your needs and family needs. If you take the time to thoroughly examine all of the aspects of a cruise line, you will be in a better position to make sure that you find the cruise that is going to meet your needs.

Answering interview questions Tell a story - Sterling Career Concepts

Answering interview questions Tell a story Answering interview questions: Tell a story Most savvyinterviewers dont come right out and ask Whats your top strength? They approachit from different angles in an attempt todifferentiate you from other candidatesin other words, to identify your strengthsand determine which candidate is the best fit for their organization. With that in mind, consider thatseveralroutine questionsprovide the opportunity to sell your candidacy, such as: Why should we hire you? What would an old boss say about you? Tell me about yourself. How would you add value to this group? As you prepare for an interview, identify yourleading two or three strengths as they relate to the position and personalize your answer with an example of a time or situation where your strength was particularly valuable. Incorporating stories into your answers is effective for two reasons. Vignettes make formore memorable answers and, more importantly, provide concrete proof of your strengths. Youre not just telling someone you have strong negotiation skills, youre recounting a time when you saved the company$1.2 millionon a renegotiated multi-year vendor contract, or the time you saved the company thousands of dollars while hiringa team of contract employees for a long-term project. Related posts on preparing for interviews: Handling salary questions during an interview Become one with your resume

How to Stand Out in a Panel Interview

How to Stand Out in a Panel Interview There appears to be a growing trend towards more panel or group interviews and it is becoming increasingly common for job seekers to meet with panels of three or more decision makers in one interview. Career Journal recently ran an article about  panel interviews  thats worth taking a look at. Here are a few of my own tips on how to survive a panel interview.  When you meet each person on the panel, ask for a business card. Before the interview begins, place the cards in front of you and facing in the direction of the appropriate person to help you remember the names of the people you are interviewing with. Refer to each person by name during the conversation to personalize your responses and build rapport with the group.Dont assume that the most senior person is the decision maker. Frequently business leaders rely on their team to help make decisions about candidates. Be sure to include everyone in the conversation. If one person in the group asks you a question, begin your answer b y responding to that person, but then make eye contact with the others to build rapport with everyone in the room.Try to size up the agenda of everyone in the group. The needs of the marketing, operations, and sales teams will be different, so make sure you can showcase stories of success that will resonate with the different business heads you are interviewing with.Send everyone in the group a thank you letter and make sure each letter is unique. The thank you letter is a great tool for reconnecting with the hiring team, but in order to be seen as authentic, you need to communicate your thanks to each person individually and avoid redundant content. Try to focus on one key point or exchange with each person you interviewed with. Its a bit of extra work, but in the long run, its worth it.

Be Sure to Avoid These Five Typical Mistakes While Networking

Be Sure to Avoid These Five Typical Mistakes While Networking Companies are leaning on referrals more and more these days. A referral allows the company to find an excellent candidate without paying a pricey recruiter or hiring multiple HR people to sort through resumes. Its a win-win for businesses, employees (who often get referral bonuses) and job seekers.…  Except  when youre a job seeker who doesnt know how to network. With networking becoming more and more important in the competitive job market, those who cannot connect end up without a job (or at least one they like).  So make sure you get that dream job by upping your networking game and avoiding these five mistakes:   Displace Face-to-Face Repeat after me, You cannot do every aspect of your job search online. Individuals starting to look for employment often immediately turn to the Internet to find their next gig. We forget that people were finding jobs before the advent of the world wide web. You can, too! Get out there and meet people in person. Its much easier to reject an email than the face in front of you.   Give Before You Get Its vital to give before you get when talking about networking. You cannot expect someone you just began developing a relationship with to give you exactly what you want immediately. You need to let the relationship grow. The quickest way to develop a relationship is to provide the other person value.   Lame LinkedIn Profile While face-to-face contact cannot be replaced, utilizing LinkedIn comes in a close second. If you have a lame LinkedIn presence, youll be missing out on a number of opportunities. Every HR director and recruiter is constantly on LinkedIn building their networks. You should be, too! This means updating your profile constantly and finding ways to add value to the platform.P.S.: If youre struggling to gain ground on the best business social media site, it may be your profile. Luckily, LinkedIn profile development services and LinkedIn profile writing services are our specialties. Click here to learn more.   Become a Professional If youre using social media sites like LinkedIn, Facebook and Twitter to network, then you must keep your image as professional as possible online. That HR professional with a perfect gig for you doesnt want to know how turnt you got last weekend with the squad in Vegas. Trust me. Instead, try sharing that industry-specific insight you found in Forbes with a little commentary. Keeping your social media clean is just as important as using professional resume writing services.   Go to Contacts Many would-be-great networkers fail to do one thing properly: follow through. These people are great at making introductions, contacts and more, yet they find their networks stagnating because they fail to stay in touch, give and follow up. If theres one thing you should take from this piece, its to always follow up with contacts that could benefit you down the road. Keep developing those relationships!

Guide to Writing a Resume For College Graduates

Guide to Writing a Resume For College GraduatesA guide to writing a resume for college graduates can help you get the most out of your resume. If you're a college graduate, you may be wondering why in the world you are still going to school.Most people think that they have to go back to school after they graduate or else they'll never get hired for a job at any of the higher paying companies. This is actually very untrue as long as you follow some good practices when you write your resume.For example, you should make sure that you do not include any work experience that is more than two years old. Most companies only use those types of resumes when they need to hire someone who has a lot of work experience. If you do have past work experience, it will be in a different field such as sales or accounting.Also, you should take the time to list all of your jobs that you've had within the last two years. You will find that this is a good way to show them why you want to work for them. Com panies also like to see this type of list because they know that you've shown an ability to grow within a company.Just like you should never list past employers, you should also do the same thing with the former employers. Simply put, you should list just three or four of your former bosses that you worked for during the past two years. However, you should still make sure that these people are listed in the title so that you don't make the mistake of trying to connect yourself to them.However, you should make sure that the employers are listed in the summary as well so that they will be easier to look up. You want to make sure that this job title is something that will be easy to remember and something that is the same as what you used to work for at your previous major employer.A guide to writing a resume for college graduates can help you understand exactly what to put on your resume and also help you focus on the important things that should be highlighted. It is certainly not di fficult to do, but just take the time to follow the tips above.

The Ultimate Should I Even Bother Writing a Resume Trick

The Ultimate Should I Even Bother Writing a Resume Trick Evidently, you are in need of a computer. A great keyboard (like the Microsoft Natural Ergonomic keyboard) is likewise a great investment. Employers today often utilize software programs to look for keywords unique to the position. Ruthless Should I Even Bother Writing a Resume Strategies Exploited It's full of different ideas, all which will fight to dominate. There are many tactics to earn a mistake that a number of individuals decide to ditch the entire summary thing and proceed without it. There's no better approach to do so than to write. If you're a student, or anyone else who's going to do plenty of writing, then you need to provide yourself with the most suitable technology, especially now, when it's virtually costless to achieve that. Gossip, Deception and Should I Even Bother Writing a Resume Always incorporate the name of the position you're applying for. On the flip side, not employing an objective stat ement on your resume gives employers the concept which you're not sure about what it is you're actually on the lookout for. When it's too low, you might be paid less than that which the employer is prepared to offer you. An employer trying to find an accountant will be searching for different keywords than an employer hunting for a sales representative. Details of Should I Even Bother Writing a Resume It's true, you Resume objectives aren't utilized any longer. Career objectives are really important as they can let employers know within seconds what you must offer you. In fact, they offer jobseekers an excellent opportunity to set themselves apart from the rest of the applicants. There is a far greater approach to do the aim of a resume objective. Especially in case you adhere to the fundamentals. You will also discover that even on a day where concentration is extremely tough, you will nonetheless be in a position to do some productive writing in case you stick it out. An essay is a rather brief bit of writing on a specific topic. So whenever you are writing an essay, you're harnessing the complete might of culture to your life. Should I Even Bother Writing a Resume - the Conspiracy First of all, you should attempt to answer the employer's specific requirements. If you must have a paper copy submitted, make sure to supply the teacher with a stamped envelope. Just make certain it sounds good. Well on october, if you're asking for an email. Folks often think a resume is a significant place to enhance' information. There are some exceptions. The New Angle On Should I Even Bother Writing a Resume Just Released A useful suggestion is to compose the keywords at the surface of your cover letter so that you don't neglect to add them in. You ought to use the work description for a foundation for your cover letter, pulling on that which we're looking for and that which we do sections. Second, make certain it isn't someone who will just compos e a form letter. Wherever possible you need to always try and deal with the cover letter to an individual.