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Let your Resume Speak Volumes for that Next Big Job Before you even get through the door of any job interview, there is already one document that has done the talking for you – your resume. A good resume can mean the difference between getting the call of the interview and waiting by phone, and a well written, thoughtful resume can make you stand out over and above other applications with similar skills and work experience. Let your resume give you the edge on that next big job by following a few simple tips. When you sit down to write your resume, you need to plan it out before you start typing. There are two main formats for a resume: the chronological format, in which you simply list your job history, starting with your most recent or current job and moving backwards, and the functional format, in which you highlight your skills and experience rather than specific jobs and specific employers. The chronological format is definitely the most common, and many employers prefer this kind of resume, but choose the format this is going to show off your skills in the best light. If your work history is a choppy and a chronological format resume would only draw attention to that, use the functional format. The key is to choose the format that will give you the best chance of getting noticed for the job and to stick with the format throughout your resume. No matter which resume format you choose to use, the top of your resume should always include your name, contact information and work objectives. Name and contact information is pretty straight forward, although experts do recommend that if you have a “gender neutral” name that you include a helpful “Mr.” or “Ms” to clear up any confusion. Your work objectives should be your career goals. For instance, if you want to manage a small team of sales people, then say that, so your potential employers know that you are moving in a certain direction with your career and not simply apply for jobs willy-nilly. After your work objective comes your work experience. List your jobs in reverse chronological order. Instead of simply creating a bullet pointed list your work related tasks, look for a way to frame all of your responsibilities so that they sound like you showed leadership and problem solving capabilities. For instance, if you were in charge of keeping the expensive accounts in order, say that you were in charge of troubleshooting monthly expense account records, saving the company hundreds of dollars every month. If you have a few blips in your work history, be clear about what you were doing in the downtime. If you were raising children, traveling, or in school, say that you were. If you weren’t really doing anything, put as positive a spin on things as you can without lying. Never leave gaps in your work history unaddressed on your resume. After your work history, it is time to list your education credentials. If you didn’t finish a degree, say how much college work you completed and highlight any coursework relevant to the job. If your college degree or post grad work is in progress, say when you expect to be finished. This is another place where gaps matter. If there is a gap in your education history, again say what you were doing in that time, referring back to your work history where appropriate. You can overcome these gaps as long as you don’t pretend that they don’t exist. Round out your resume by listing any awards and professional memberships you may hold. Don’t get into your hobbies unless they are specifically related to the position for which you are applying. Personal details like religion and race have no place on your resume and you are not required to disclose your age. Instead, let your experience do the talking.

Explaining How Credit Scores are Used in the Hiring Process You might be wondering why credit scores are used in hiring processes. While you may have never heard about it, it is actually a more common practice than you might think. Companies and institutions such as banks, universities, retail stores, financial institutions across the United States use credit scores to determine whether an applicant is good for the open position or not. Even though you might think that this is illegal, it is not. In general, it is a legal undertaking for companies to look at your credit score. This is yet another reason why you should make sure that your credit scores are good and up to date. So why would they be using your credit information in a hiring process? For some of these companies, employees will be exposed to a lot of money and have a financially responsible position. Your credit information can actually help them determine whether you are a financially responsible person or not. Companies think that if you cannot handle your own money, why you would be qualified to handle their money? On the one side, if you think about it, it is a very valid thought. On the other side, the credit history will not tell the company how you might have gotten all the debt. What if one of your family members is really badly sick or a similar situation? In this case, you have not been irresponsible with your money, but you saved a family members life. You might have been willing to take on all this debt and then work from there. Sometimes numbers are just not an accurate representation of your life. Companies that do use your credit are not only determining whether you can handle money, in some instances they use it as an indicator for your character. It will tell them if you are responsible with your money and finances you are a responsible person. A person that will not be tempted by money or certain situations in a workplace is a person they can securely trust with their funds, their tasks or their great projects. One thing is for sure, the company needs to let you know that they are going to check your credit history in their hiring process and they also need to let you know what they are checking for. The criteria they are looking is the criteria they have to tell you about before you give them the permission. Unless they tell you and have a signature of permission from you, they are not allowed to check and use your credit history. If they miss these above mentioned steps, you do have a case in you hands that you can bring to the court. In some instances, some of the people that were not told about the credit check and have been denied have had a good case in their hands. But as with so many things in life in the United States it pays off to have a good credit history and such a check will not ruin your career moves. Check your credit history every year since once a year the big credit companies do have to give you a free credit report. In the case that you find any wrong or dubious items on your account go ahead and dispute them. Oftentimes companies might just have put a claim against your account that is not really caused by you. Why do companies do that? Money has caused many bad things in the world and a company that wants their money back is going to run after any lead they have. Therefore disputing your case and putting your credit score back to normal can be an essential part in your application and hiring process with some companies.

Working on Your Own Time: It’s What Freelancing is About (freelance jobs) Do you have a busy life? Do you wish that you could schedule your work around the rest of your priorities? You work to make money so that you can live. You have no choice but to pay for housing and food and other life necessities. Because you need the money, work tends to creep up to the top of the priority list. Other things are more important though. Freelance jobs allow you to put work where it belongs on the list of priorities. You can play with your kids when they’re home, enjoy doing the things you enjoy outdoors while it’s daytime and spend your Sunday mornings at church instead of behind a counter. The work still needs to get done, but you can do it when you have time instead of from nine to five, Monday through Friday or worse, whenever you’re put on the schedule. Kinds of Freelance Jobs Do you have the appropriate skills and abilities to work at freelance jobs? There are many, many different kinds available. Those with professional degrees can consult. While the jobs that result from extensive education generally lead to many hours working for a good salary, your education can lead you in another direction. If you can manage to find the clients, you can work by appointment only, guiding those who do not have the experience or education that you have. If you are not a professional, you may still have the appropriate talents that will get you into freelance jobs. Writing is a very popular freelance opportunity. You live in a world that relies on the written word. You do not go through a single day without reading a considerable amount of text. Someone needs to do all of that writing, and much of it is hired out to freelancers. Actually, any skill that you possess may be suited to freelance work. Check out a few job boards and find out who’s hiring. Tips of the Trade Freelance jobs are out there, but so is the competition. To get yourself to the top of the hiring list, there are a few things you can do. First, use any experience you have to your advantage. Even if a previous job was short term or didn’t seem significant to you, you gained experience there. Let the employers know about everything you can do. Another thing you must do as a freelancer is to be very consistent and organized. An employer will be much more likely to rehire you if you turn out a good product. Everything you turn in should be clear and professional. Always meet deadlines. While most of the freelance jobs are extremely flexible, allowing you to work at your convenience, there are still deadlines. The work needs to be finished when the employer asks for it. Most of the qualities that will get you more freelance jobs only require common sense and a good work ethic. Living on Sparse Paychecks One downside of freelance jobs is that they are not necessarily consistent. Especially if you jump from one job to another, working for different companies, you will not have any guarantee about how much you will get paid each month. The flexibility may or may not be worth the uncertainty of freelancing to you. If you can manage to save effectively, the distance between paychecks won’t matter. If you do get frustrated about always wondering where the next paycheck is coming from, just remind yourself that the trade off is getting to enjoy more precious time not tied to a desk. There are definitely pros and cons when it comes to freelancing. You just need to decide how important it is to you to prioritize your life around what really matters to you.