Planning for Retirement 3 Considerations for Self-Employed Women -

Planning for Retirement 3 Considerations for Self-Employed Women - For much of the working world, planning for retirement is a given. Contributions come out of every paycheck automatically and are invested in a retirement plan. The whole thing works rather seamlessly. For most of us who are working stiffs, the plan is handed to us, said Ric Edelman, CEO of Edelman Financial. However, people who work for themselves “tend not to create a retirement plan in the first place. The research backs up Edelman’s comments. A study from  TD Ameritrade  shows that 28 percent of self-employed people do not save for retirement and 40 percent only occasionally put aside money for their later years. Instead, they get trapped in a cycle. Any extra money goes to savings in case money is tight next month or the money gets reinvested in the business. It might make sense on the surface, but that’s actually bad business. The money you invest in your business could be paid for over time using financing instead of paid out of pocket â€" and if you aren’t saving for retirement, you are missing out on the value of compounding returns. To make matters worse, many women tend to save  half as much  as men do when it comes to retirement. Blame on the wage gap or the taking of time off to raise children, but the reality remains the same. If you are a self-employed woman and you want to retire comfortably, the time to start planning for retirement is now. Managing Investments You can begin planning for retirement by looking at your current investments. If you are not currently saving money each month, that’s a good place to start. Automating savings can help. Even small contributions, when made consistently, will have a positive effect on your retirement portfolio. The key is to start saving early so you can enjoy the benefits of compounding. Once you have some money saved, make sure you understand your  retirement planning options. Investing in IRAs, mutual funds and the stock market are ideas, but they aren’t the only ones. As a self-employed person, you could invest in a solo 401(k) as long as you don’t have employees. Defined benefit plans are another possibility. Planning for Spending Also, plan for your spending in retirement. Saving money is great but it helps to have a goal. According to  The Street, people who are 65 or older spend over $44,000 per year on average. The media is much lower at just under $31,000 per year, but it is still more than many self-employed people have saved. While you might be able to afford a more comfortable lifestyle if you continue working to some degree, if you start planning now you could avoid working after a certain point altogether. For instance, housing costs account for 35 percent of spending in retirement. If you plan ahead, you could avoid some of that expense by paying off your home before you retire. Don’t Forget Health Insurance Another serious expense is healthcare â€" specifically health insurance, medical care and medication. For households over 75, healthcare is roughly 15 percent of their expenses. Choosing individual health insurance plans based on price alone might seem like a good way to reduce your fixed expenses, but cheaper plans tend to cover less. You might be able to reduce your total healthcare costs in retirement by choosing a  health insurance plan that covers more, even if it costs more. Going Forward Some self-employed people believe that their businesses are like  retirement plans. By putting everything into their businesses, they can grow it to the point that they can collect enough income to retire comfortably â€" but that is a big risk. Instead of putting your eggs in one basket, diversify your approach. Start saving for retirement right now â€" even if it is just a small amount each month â€" and educate yourself on the costs you will have in retirement. Spend time getting your investments in order, planning for spending and arranging for health insurance.

What Does an Employment Lawyer Do CareerMetis.com

What Does an Employment Lawyer Do â€" CareerMetis.com Employment lawyers generally handle disputes and lawsuits that are related to the workplace and affect the employer-employee relationship.The job has its own unique challenges but it does offer a lot of opportunities for technical and personal growth for the lawyer.What Employment Lawyers Do?evalEmployment lawyers advise employers and/or employees in all aspects of employment, from hiring to termination. Their counsel can be conscientious or non-conscientious.Conscientious advice involves representing and helping clients prepare for and go through the litigation process or even internal processes like disciplinary hearings.Meanwhile, non-conscientious tasks usually involve providing day-to-day support to the Human Resources departments of companies, such as drafting, reviewing, and advising on employment contracts, employee policies, compensation and benefits policies, etc.Cases on Employee LawEmployment lawyers advise on a variety of issues and cases that crop up in the workplace se tting.These can include â€" employee handbook provisions, compensation issues, workplace harassment, workplace discrimination, disciplinary action and termination, human resource practices and policies, reduction or retrenchment programs, restrictive covenants or confidentiality agreements, severance agreements, employee benefits like leaves and retirement plans, workplace investigations, drug and alcohol testing, waivers and releases, etc.Skills of an Employment LawyerEmployment law involves knowledge in common law and domestic and statutory legislation. Employer lawyers need excellent analysis, communication, and interpersonal skills since they often serve as mediators for employers and employees. Their job requires them to talk and work directly with people a majority of the time.evalNaturally, the job also requires empathy because employment lawyers will have to handle certain cases that involve discomfiting or personal allegations against the client. They must be able to establ ish and maintain trust and confidence with not only the client but also the other party involved in the case.Workplace and Employment ProspectsEmployment lawyers have a lot of employment options available to them. They can work for a private law firm, practice alone, work in the legal departments of private corporations or non-profit organizations, or work in government or public interest organizations to provide their legal services to employees.Most large corporations hire and maintain their own in-house employment lawyers, so there is much opportunity in working as a full-time lawyer for a specific company or organization.Challenges and BenefitsEmployment lawyers should be able to easily adapt to the constantly changing and evolving nature of employment law. Legislation related to the workplace is often dependent on the government’s policies and priorities.evalOften, old laws are amended, many new laws are passed, and judges have different interpretations of the law and its det ails. The outcome of cases is always unpredictable. However, the dynamic nature of employment law assures employment lawyers of constantly being intellectually challenged.What makes the job of employment lawyers intriguing and exciting is the human interest of their practice, which most other kinds of litigation do not have.Employment cases are all about people and usually involve intriguing scenarios and stories. Cases like discrimination and harassment claims allow lawyers to see the complex relationships between people in the workplace.Employment lawyers also have the opportunity to work a diverse range of clients â€" organizations of all trades and industries employ people and require counsel.Working with different businesses and industries allows lawyers to be better-rounded and more experienced in handling industry-specific situations. The ever-changing scenarios of their cases keep employment lawyers interested in their work even after years of practice. There is always an op portunity for growth.However, the highly personal nature of their cases can also be disheartening to some employment lawyers. Employment lawyers often have to deal with termination cases.The litigation or negotiation process can turn out to be difficult and confrontational. Lawyers usually have to impose on the personal lives of their clients and other parties, which can be unpleasant.Ultimately, a career in employment law can be very exciting and fulfilling. They will certainly encounter many challenges in their line of work, but employment lawyers will never be bored by their cases and their day-to-day tasks. The nature of their work is dynamic and always interesting.

5 Tips for Job Fair Success - CareerAlley

5 Tips for Job Fair Success - CareerAlley We may receive compensation when you click on links to products from our partners. There are many job opportunitiesout there, and if youare looking for a job,sometimes the best way to do so is by attending a job fair or convention. In this case, you want to leverage the time spent to ensure you get the best return. To ensure great results, youll need to approach things a bit differently than a normal interview process. Instead of interviewing for a specific job, youll need to sell yourself to the companies that are looking to hire. PrepareaFocused Interview Usually when you interview for a job opportunity, you are focused on a specific role and job description. At job fairs, you need to be prepared to get a quick sense of who the hiring manageris before the full interview. That being said, you are in a room full of competitorsvying for the same companies and jobs that you want, so youll to be focused in your interview approach. Have a quick interview prepared (see Your Elevator Speech) to ensure that you get all the important informationyou want discussfrom yourresume. Suggested Reading:97 Ways to Stand Out at a Job Fair: Get Noticed and Get Hired! Tell them why you want to work at their company More likely than not, there will be a list of attending companies that you can look at prior to attending the job fair. Do your homework and review as many companies as feasible prior to the event. Tell them why you want to work at their company (use phrases such as great company culture or leader in your industry. Alack of a basic understanding of the company will probably cost you consideration for additional interviews. Employers not only want the right person for the job, they want someone who selected the company for specific reasons. You must do your research on each of your target companies before you job fair. This will ensure thatyou are moreproductivein the interview process. Prepare and Practice No one knows your experience better than you, andspending sufficient time preparing can only help. Think about all the time and preparation you put into your resume. Prepare as best you canahead of time, and practice interviewing with friends and relativesif necessary. Go over all the information youll want to convey when you meet with companies at the fair. Be Preparedto Answer and Ask Questions Think about the kind of questions interviewers usually ask duringthe interview, and make sure you have all those answers up front. Know the requirementsfor allpositionswhere you might qualify and focus your answers (and questions) to focus on why you are uniquely qualified. The more informed you are, the better the chances thatthe company willkeep you in mind. Promote Your Brand If youve been to a job fair, youve probably seen that somecandidates do not make much of an attempt to be stand out from the crowd. They put in little effort to promote themselves. Now is not the time to be shy. During your short interviews, sell yourself by highlighting all of your skills and experience. Hiring managers at job fairs have a limited amount of time to decide who will make it to the next round. e. Companies who participate in Job Fairs are looking for talented people want to work for a company such as theirs. The are looking for candidates with drive and passion for what they do. If you follow these tips, hiring managers will see that youre generally interested in workingthem. Youll leave the fair confident youve given your best impressing and have laid the groundwork for yournext big thing. Career Tip of the Day:5 Reasons Why You Wont Get a Job Offer We are always eager to hear from our readers. Please feel free to contact us if you have any questions or suggestions regarding CareerAlley content. Good luck in your search,Joey Google+ what where job title, keywords or company city, state or zip jobs by What's next? Ready to take action? Choose the right tools to help you build your career. Looking for related topics? Find out how to identify and land your dream job. Subscribe and make meaningful progress on your career. It’s about time you focused on your career. Get Educated Contact Us Advertise Copyright 2020 CareerAlley. All Rights Reserved. Privacy Policy + Disclosure home popular resources subscribe search

How To Choose A Professional Resume Writing Service

How To Choose A Professional Resume Writing ServiceIf you are in need of a professional resume writing service Nashville TN can provide you with the services you need. It is a good idea to get a professional resume written for you, especially if you do not have a lot of experience or it's been a while since you've changed jobs. When you use a professional resume writing service, you will be able to write a highly polished resume that is specific to your position and career goals.If you have a formal business meeting coming up and want to create a resume for your boss or hiring manager, a professional resume writing service can help you with this task. Professional resume writing services will focus on the needs of their clients, and provide them with a professional resume that includes contact information. A professional resume can mean the difference between a call back for an interview or a rejection letter.A professional resume will be written according to the company's specific n eeds. In order to get the most out of a professional resume writing service, be sure to research the companies that you are thinking about hiring for a job. You should always be able to find past clients to ask any questions that you may have.Find a professional resume writing service that offers customization and customized services as well. This will allow you to choose specific items on your resume and will make it easier for the resume to stand out from the rest. A custom designed resume can be sent to potential employers and is a great way to shine in a crowded field.The purpose of a professional resume is to help you highlight your specific needs. The best way to find a good resume writer is to ask around among your friends and family, or do some research online. It will also be a good idea to look through professional resume writers directories such as CareerBook.com and Psychpages.com.Using a professional resume writer is the only way to achieve the professional touch you wa nt in your career. A professional resume service has the experience and training necessary to make your resume stand out and attract employers. By using a resume service, you will have a professional resume prepared for you.Many professionals believe that the first thing that they need to do when looking for a professional resume writing service Nashville TN is to ask for samples of previous work. While this is important, it is not a necessity. A professional resume writing service can create a professionally written resume that is customized to your particular needs.When you need a professional resume Nashville TN you should consider a service that will create a professional resume for you. A professional resume writing service should offer custom work and create a resume that contains all of the information required. A professional resume writer is the one who will be able to make your career dreams come true.

Writing an Indeed Resume - Making Sure That It Haunts the Reader

Writing an Indeed Resume - Making Sure That It Haunts the ReaderWriting an Indeed Resume is an essential step when you want to be noticed by a potential employer. The fact is that this is a key skill for a professional to have. It is a vital tool that helps to showcase your abilities and qualifications in the most effective manner possible.Whether you are a teacher, accountant, nurse, police officer, salesperson, construction worker, or anything else for that matter, being remembered is what every job seeker wants. All the results that a potential employer could want for his job search are kept in mind if they know where to look. It is therefore important that all the necessary information about you is gathered and presented to the employers. A well-written resume will always grab the attention of the reader. Employers are always willing to receive resumes with excellent presentation so that they can read through them and check out the details as soon as possible.So how exactly does one write an Indeed Resume? This is the fundamental question that every student or job seeker needs to answer before embarking on a career. It is here that the process starts and the steps have to be taken depending on the stage you wish to reach in your job search.The first thing that you must do is to conduct an initial analysis of yourself. Ensure that you do not fall for the 'I am just an average employee' stories. We all know that only a very few companies can hire you based on your skills and abilities alone.You need to create a strong portfolio, detailing your experiences, achievements, and the areas in which you are proficient in. With this, you will be able to highlight your merits and what makes you special. Think of it as an explanation of who you are instead of a description of your job. You will never get a job by only describing your experience in a company.The next step is to gather all the relevant information related to your previous experiences and apply it to your resume. Consider which fields are working and which ones are not. You must give them a short analysis to make it clear to the reader. Keep in mind that all the details and relevant skills should be there.The last phase is to write the resume. It is imperative that you come up with a well-crafted resume. Your professional-like appearance will always be appreciated by the employer.

Instant Solutions to Resume Writing for Cdl Truck Driver in Easy to Follow Step by Step Format

Instant Solutions to Resume Writing for Cdl Truck Driver in Easy to Follow Step by Step Format The True Meaning of Resume Writing for Cdl Truck Driver In summary, look at the digital world to take a look at a truck driver sample resume. While trucks aren't an alternative for everyone career, for some it is sometimes an amazing method to work and live. Do not neglect to add your contact details Let the hiring personnel understand how to get in contact with you. Everyone knows there are a lot of career fields for somebody to pick. In reality, each experience you list needs to respond right to the work post. A fantastic communicator with a fantastic ability to get alongside people from different walks of life, alongside the ability to adapt to unforeseen situations like traffic and weather conditions. Perfect if you're looking for a job using your cell phone. What You Need to Do About Resume Writing for Cdl Truck Driver To learn more on what it requires to be a Cdl Driver, have a look at our complete CDL Driver Job Description. Truck Drivers are accountable for the transportation of goods from one area to another. You may also see Chef Resumes. You might also see Resume Examples. The Tried and True Method for Resume Writing for Cdl Truck Driver in Step by Step Detail After getting the appropriate training, you may need to sit for particular exams and pass them. To steer your path to the ideal truck driver jobs, it can help to have a complete and customized resume. Training You will get training on the job to prepare you for your role, but you will probably be ready to go in almost no time! There are many different kinds of truck driving jobs. It is crucial to customize your truck driver resume to the specific job which you're applying to, listing your most relevant qualifications close to the top so they'll be easily found. The truck driver is somebody who makes his living driving a truck, transport of products and materials in the nation. Your truck driver resume must start out with a proactive career objective at which you can slightly touch on your major abilities or expertise to show your competency from the start.

The Successful CEOs Secret To Being A Likable Leader - Work It Daily

The Successful CEO’s Secret To Being A Likable Leader - Work It Daily Everyone likes to be liked, especially as a leader. You want people to trust you, look up to you, and enjoy your company. You want people to listen to you, share things with you, and ask for your opinion. But what’s the secret to being a likable leader who gets things done? According to Katie Wake, a presentation coach at Own The Room, a communication skills training company, we like people who are smart but humble. So, how can you accomplish this? The answer is simple... don’t pretend to have all of the answers when you don’t. Instead, ask your audience for help. You could be very talented and knowledgeable in one area, but relatively clueless in another. You can’t possibly know everything, but if you ACT like you do, people won’t take you seriously and/or start resenting your authority. Instead of acting like you know the answer when you really don’t, tap into those who CAN provide some solutions. Think about it: when you solve a problem, you feel good about it. You feel proud and accomplished. Solving problems is satisfying, and because it makes you feel good, you want to solve more problems. If you can tap into this need, everyone is happy. The problem gets solved, and your team or audience feels valued and successful. As a result, you’re more appreciated as a leader. “Give your audience something meaty to do,” said Wake. “and then you have them eating out of the palm of your hand.” Being a likable leader isn’t as hard as you might think. Successful leaders don’t act like they know everything when they don’t. Instead, they tap into the people around them for help. They include people in the problems they are trying to solve. Related Posts: Tuesday Talks: Start Your Presentations With A Scene Overcoming Your Career Fear: Public Speaking How To Boost Your Career With Toastmasters   Have you joined our career growth club?Join For Free!