3 of married couples fight over cash monthly

3 of married couples fight over cash monthlySurvey 1/3 of married couples fight over cash monthlyResearch has found that 64% of Americans know their partners bank passwords, but more recent data shows that money can be a source of trouble for those who are married. In fact,new research from TD Bankreveals that one-third of couples whove tied the kbedrngnis fight over cash at least once a month.While retirement-related worries were the worst financial issue at 18%, not being able to provide for their families wasnt far behind at 14%. However, whats even more alarming is that 34% surveyed said that living paycheck-to-paycheck is the biggest thing getting in the way of achieving what they want financially.Heres how couples deal with moneySixty percent of people in committed relationships say that they discuss finances with their other half a minimum of once weekly.But, while 55% of couples pool their money together, 70% say that they share decisions around major things that they buy.Sti ll, 61% of women say that they are the primary decision-makers for everyday purchases.Forty-two percent of people who called off their marriage through divorce say thattheir money was better off after separating from their ex.Jason Thacker, Head of Consumer Deposits and Payments at TD Bank, commented on the research in a statement.Having a conversation about money early on is important Every relationship is different different goals, challenges and steps needed to take in order to get where you want to be. Thats why being open, honest and understanding each others priorities when it comes to money is crucial to your overall financial health and success as a couple, he said.Homes also dont come easy, with 19% of couples saying that financial stress is the reason why they put off purchasing one.Heres how money impacts peoples relationshipsIn terms of dating, 32% of couples say that each person forks over money for bills on a regular basis, and 84% of men who are committed said that they paid for the bill on the first date. But just under half of men who are committed - 49% - reported that they mainly manage all the bill paying.However, while 16% of people said that they found their other half on a dating website, 27% of people in this category said they went so far as to talk money before even laying eyes on each other in person.MARU/Matchbox reportedly surveyed 1,749 dating, married or divorced Americans for TD Banks research.MoreFamilyFinancesMoneyNewsPersonal FinanceRelationshipsWellnessMust ReadsThink youre middle class? Check this chart to find outWhat makes a happy marriage? Data shows the answer is changingThe average 401(k) balance by ageStrangers know your social class in the first seven words you say, study findsNew neuroscience reveals 4 rituals that will make you happy$100K JOBS HIRING NOWSoftware EngineerAtlanta GASenior Software EngineerAtlanta GASoftware DeveloperAtlanta GAAccount ExecutiveAtlanta GAFind Your Dream Job ToolkitLadders offers th e best professional advice every step of the job search process. What can we help you with?RESUME +INTERVIEWS +COVER LETTERS +JOB SEARCH +Life17 hard truths about life I ignored for way too longDarius ForouxAugust 1, 2019ShutterstockI recently got stuck. My attention was scattered, my energy was low, and I didnt do good work.At those times, I think of something I learned from one of my friends and mentors Always return to the basics.When youre overwhelmed, confused, or lack drive return to the basics of life. Ask yourself What makes a good life? What youll find is that you already know the answer. The problem is that you ignore it because the truth is uncomfortable.So after I got stuck last time, I thought of the hard things about life I was ignoring. Once I returned to these lessons, everything improved again. Heres the list I made for myself. Remember, these lessons are uncomfortable, but deep down, we all know how important they are.Follow Ladders on FlipboardFollow Ladders magaz ines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and morePeople are selfish (and so are you)- Look, no one likes to admit this. But we all think about ourselves. Thats not bad. Its how we become stronger. And when were strong, we can help others.You suck at a lot of things- Dont try to chase every single opportunity that comes on your path. The truth is that were not as good as we assume. Thats better news than you think. That means you have a reason to only focus on the things youretrulygood at. Isnt that liberating?Most people wont get you- And thats okay. You dont have to be liked by everyone. Be comfortable with who you are. You dont need acceptance by anyone but yourself.You only get stronger by doing hard things- If your life is simple, you will become weak. Always do things that require serious effort. The effort alone will make you better. No matter what the outcome is. Even if you fail, you win because it makes you stronger.Making a living requires making difficult choices- We all have to put money on the table. And we need to make difficult choices about how we spend our time.Willyou read a book or go to a bar? Will you spend an extra hour at work or will you go to the movies? The choice is yours.Think about your future self- Youll probably be here in 10, 20, 30 or even 40 years from now. Just keep that in mind. How will you live now?Its easy to get stuck- Life is hard and we all run into obstacles. Setbacks are unavoidable. Hence, you better get used to getting punched in the face.Its hard to getunstuck- When you get punched in the face, fruchtwein people stay down. Giving up is easy I dont want to go through that again so Im going to stop trying. On the other hand, getting up is difficult and no one will do it for you.Youhave to do it.Free things are worthless- Dont discount yourself. Get what youre worth. Nobody appreciates things that are cheap or free.We dont appreciate what we have- We only look at what wedont have. But instead, we should take more time to look at what we do have. Often, thats already good enough. Want more? Go after it. But dont forget what you already have.Maintaining relationships takes work- Never take people for granted. They might walk away from your life.Positive people give you a lot of energy- Make an effort to get close to people who are cheerful and positive. When you interact with certain people, you get a lot of energy. Seek them out.Suffering is good- Its just a little bit of pain. Why are you afraid of it?Its okay to be alone- Look, you dont have to be around people 24/7. You also dont have to be friends with idiots. Or marry someone youre not compatible with. Be comfortable with yourself and dont be so restless.Learning is the answer to everything- Knowledge and curiosity will get you excited again. Return to it as much as you can.Impatience is toxic- If youre always running, you miss whats in front of you. Dont live your life in the future.Have some patie nce.With the right effort and energy, you will fulfill all your desires.Personal freedom is worth the price- Being free to do what you want and to spend your time with people who you like is the highest form of success in life. You dont need a lot in your life to achieve that goal. But freedom has a price.You need to give up everything that makes you unfree.Theres more. In fact, theres an infinite amount of wisdom that you and I both dont know about. It takes a long time before we become wise and free. And it surely isnt cheap. Ralph Waldo Emersonsaid it bestLiberty is slow fruit. It is never cheap it is made difficult because freedom is the accomplishment and perfectness of man.We just have to keep living and keep learning. Thats the path to a happy, free, and useful life.Join me on this journey. Well probably never arrive, but Im sure well learn a lot.This article originally appeared on Darius Foroux.

5 Signs Its Time to Quit Your Job

5 Signs Its Time to Quit Your Job5 Signs Its Time to Quit Your JobBefore you resign, make sure youre leaving for the right reasons. Your health is at riskSure, everyone has a bad day at the office now and then. However, if you dread going to work each morning, count the minutes until you can leave, or regularly have nightmares about the office, it can affect your mental, and even physical health. Take it as a sign that its time to make some changes. No job is worth risking your well-being.You hate what you doWhen youre new to the workforce or making a career transition, youll find that some unglamorous positions will be necessary steps toward your dream job. In these instances, its best to learn as much as you can while keeping the bigger picture in mind. However, if you cant stand the thought of having your boss job, then its time to start searching for other work that better aligns with your long-term job goals.You dont fit inCultural fit is a key factor in choosing the right job. You could have all the right qualifications, but if you dont fit in with the team, then you ultimately wont be successful. Consider your core values and your ideal working environment, including communication style, leadership style, and so forth. If you and your current company dont see eye-to-eye on these topics, it might be time to make a move to a team that does.Youre no longer challengedIf youre no longer learning or growing in your role and the job has become too easy, consider your options. Before you decide to move on, find out if there are other opportunities within your organization or additional responsibilities you could take on that allow you to develop professionally. If these opportunities dont exist and youre no longer passionate about the work, think about exploring opportunities elsewhere.The company isnt stableYou hear around the water cooler about another round of lay-offs. Youve managed to keep your head down through the last few downsizings, but youre losing fa ith in managements ability to turn things around and company morale is at an all-time low. Nows the time to secure a new position.Its always easier to land a job when you have a job, so before you hand in your notice, secure a new job first. Thanks to mobile technology, its easier than ever to search for a job anytime and anywhere. Download free mobile apps like 93 Ladders 94 to your iPhone and turn your commuting time and lunch hour into valuable job-search time.

How Do I Get Employers to Notice My Resume and Call Me

How Do I Get Employers to Notice My Resume and Call MeNotice My Resume and Call MeHow Do I Get Employers to Notice My Resume and Call MeRick Saias post yesterday (Dude, Wheres My Job? ...)listed five typical reasons a recent grad might be having trouble finding that first job. Coincidentally, as Rick was crafting that post, a reader named Jen G. left a comment on an older blog post, asking a closely related question.Jen is a new graduate who has posted her resume on various online job boards.Unfortunately, she wrote, I have rarely been called back from a site that I have posted my resume on. What do I need to do in order to get employers to notice my resume so that I get called back?Since this seems to be a hot topic, Ive added a few more tips for Jen and anyone else whos wondering the same thing.Actively Pursue the JobsPosting your resume for public viewing on web sites like Monster.com or CareerBuilder.com is a good first step, but its a passive method of job searching. You have no power over whether anyone ever reads your resume or chooses to call you after reading it.Only IF an employer uses those sites for recruiting, and only IF your qualifications match their keywords, and only IF they read your resume and decide it sounds like a good fit will you ever get a call. Thats a lot of ifs.In addition, a resume posted online is, by nature, a one-size-fits-all resume, not targeted to the specific needs of a particular employer.So leave the resume online, because you never know. But meanwhile, make your job search active, and take the power back into YOUR hands.Check ALL the Job Boards at OnceGo to a site such as Indeed.com or Simplyhired.com, which are job board aggregators, meaning they search ALL the job sites for you (including Monster, CareerBuilder, company web sites, local newspapers, etc.).Select the keywords that are likely to be in the title or job description of your desired position, and do a search. You can narrow the search by zip code and other cri teria.You can even save your search criteria and set up a job search agent that will keep checking these sites for you daily or weekly, and email you any matches.But again, keep it active. If youre not getting good results, try different keywords or expand your search area.Tailor Each Application to the EmployerWhen you find a job that interests you, edit your resume and cover letter so they address exact keywords and phrases you found in the job description.For example, lets say theyre looking for a Senior Office Manager and your resume shows youre a Senior administrator responsible for office management. Those mean the same thing, but youll have better luck if you edit your resume to match the employers terminology.You need to do that each and every time you apply for a specific job. So youll have one basic resume and cover letter, but youll tweak them for every employer. You may end up with 20 or more versions, each slightly different.Its a pain, but its necessary.And finally, we hope youll backtrack through The Blog and Career Cornerfor lots of other hints on how to conduct an active job search that will give you the best chance of landing your dream job.

Professional CPA Accountant CV Template

Professional CPA Accountant CV TemplateProfessional CPA Accountant CV TemplateOne of the most important tools in your job search is a dynamite curriculum vitae that imparts to hiring managers your qualifications for the job. By looking at a CPA accountant cv template like the one included in this writing guide, you have the opportunity to learn more about what to include and how to format your own document. The associated tips provide you with ways to craft a standout document that increases your chances of advancing to the interview stage of the hiring process.Create This CVCPA Accountant CV Template Wendy Casper Long Beach, CA 11111E wcasperanymail T 555-555-2399Professional SummaryLicensed CPA accountant with five years of experience working as a dedicated accountant for companies. Well-versed in the tax code with the ability to minimize companies tax liability with legal credits and deductions. Proficient in accurately maintaining records and catching even the smallest mistakes thanks to a keen attention to detail. Adept at working independently or as part of a kollektiv. Dedicated to ensuring companies remain in compliance and continually pass annual audits with the highest ratings.Work Experience Senior AccountantCasper, Smith and Jacobsen February 2015 Present Collaborate with team members to maintain accurate financial records, including income and expenditure receipts. Developed a financial management system using QuickBooks for individual departments to use for daily accounting tasks that led to a 20 percent reduction in waste. Manage financial department that consists of a payroll administrator, accounts receivable and payable administrator, and financial analyst. Review tax returns prepared by staff members to ensure accuracy and determine if all applicable deductions and credits are applied.Staff AccountantSteve Jackson Accounting December 2013 February 2015 Maintained detailed financial records across all accounts and found ways to cut cost s that increased profits by 10 percent. Resolved inconsistencies in accounts by zulaufning internal audits as needed that led to passing annual audits with the highest ratings. Attended monthly management meetings to discuss budgetary concerns, present financial reports, and answer questions from executive staff members. Assisted auditors during annual reviews, providing all financial documents requested in a timely and efficient manner. Tax AccountantJRDM Accountants January 2012 December 2013 Prepared quarterly and annual state and federal tax returns according to the latest tax code, applying all applicable deductions and credits to minimize tax liability. Solved accounting inconsistencies to ensure the company remained compliant and that financial documents were accurate. Ensured that all taxes were paid on time to minimize the risk of paying penalty fees and interest. Reviewed tax returns prepared by team members to cross-check calculations and reduce the chance of any is sues in the returns.Education and Training Enrolled Agent 2013U.S. Department of the Treasury Certified Public Accountant 2012 American Institute of Certified Public Accountants Master of Science in Accounting 2011 University of Southern California, frisch ans werk Angeles, CA Bachelor of Science in Accounting 2009University of Southern California, Los Angeles, CASkills Valid CPA license and Enrolled Agent certification Proficient in QuickBooks, FreshBooks, and other accounting management software programs Exceptional analytical and problem-solving skills Well-versed in the state and federal tax code Excellent written and verbal communication skills Strong attention to detailHobbies and InterestsI am an amateur musician, and my band performs at local events throughout the year. I also enjoy swimming and biking, and I have competed in several triathlons. In my spare time, I volunteer at the local food bank as a food server and offer them complementary tax preparation services. Customize CVCPA Accountant CV Questions1. Which skills are best to list on a CPA accountant CV?A CPA accountants skills are always in demand, but employers wont know you have those skills unless you flaunt them in your CV. Keep your CV up to date with the skills employers want by reviewing recent job advertisements to get a solid grasp on whats hot in the market right now.Evergreen skills include things such as tax accounting, reporting, accounts payable, and accounts receivable. Focus on your areas of strength and try to use these skills organically as we have in our CPA accountant CV sample.2. Whats the best way to show you work well in a team on a CPA accountant CV?In your role you often work across departments and with the senior management team to gather and present information necessary to accounting and finance management. Demonstrate your skills in communication and relationship building by discussing instances where you worked with cross-functional teams to solve problems.Y ou can also discuss how the information quantified by your accounting skills facilitated business decisions for senior management. For other examples of team collaboration, review our CPA accountant CV sample.3. Whats the best way to list certifications on your CPA accountant CV?Many jobs wont hire you without a proper accounting certification. Luckily, youve got your CPA certification, among other stellar qualifications. You can list your CPA certification after your anthroponym in the header of your CV, as well as spelling it out in the education section of your CV.All other certifications belong in the education section, as in our CPA accountant CV sample. Try to keep your education and certifications in reverse chronological order, listed by date and with the awarding institution after the name of the certification.4. What should go in the experience section of your CPA accountant CV?The experience section of your CV is where you really shine. Write out each of your periods of e mployment as a separate listing consisting of six to eight bullet points. Give these bullet points power by using the kind of action-driven language demonstrated in our CPA accountant CV sample. If you need additional help, create a quick and effortless CV with our resume builder.A word of caution, however. Limit your experience to only the most recent 10-15 years. Otherwise you run the risk of looking obsolete in a fast-changing job market.5. What should you do to make sure your CPA accountant CV makes it past an ATS?Keywords are absolutely your best chance to pass applicant tracking systems. An applicant tracking system, more commonly referred to as an ATS, determines jobseeker suitability based on keyword density. The algorithms in the system scan your resume and determine if you have the skills needed for the job.To make sure you pass that screening, select keywords from your target jobs to create a list of skills like the one in our CPA accountant CV sample. This list will boos t your match percentage and increase your chances of passing the ATS.Using a Job Description to Create a Standout CPA Accountant CVA Sample CPA Accountant DescriptionJob Summary Bridgeport Refinery Services is looking to hire a staff CPA accountant for our thriving and growing business. You will monitor our finances in collaboration with several key team members, including department heads, accounts receivable and payable staff, and payroll administrators. The position is also in charge of preparing quarterly and annual state and federal taxes for the company and ensuring that we remain in compliance. We pride ourselves in creating a supportive work environment with plenty of opportunities for growth. We provide competitive compensation with a full benefits package and 401K. Job Responsibilities As a CPA accountant on our team, your daily tasks will include the following Collaborate with team members to guarantee that all income and expenditure receipts are accounted for and accura te. Maintain daily and monthly financial records, running reports as needed, and reconcile accounts on a weekly basis. Meet with management and executive level staff at monthly meetings to discuss their expenditures and see if they remain within budget. Prepare tax returns and make sure all quarterly and annual taxes are paid on time. Assist auditors during annual audits so they have all the necessary documentation to conduct their review. Resolve any accounting issues that arise in a swift and prompt manner while retaining compliance and accuracy.Job SkillsTo be considered for this job position, candidates must meet the following criteria Current CPA license Bachelors degree in accounting or related field, masters preferred Proficiency in QuickBooks and other accounting software Exceptional attention to detail At least five years of experience Strong analytical and problem-solving skillsCreate This CVHow to Employ the Job Description in Your CPA Accountant CVIf you look closel y at the CPA accountant cv template, you will elendice that it has incorporated key terms and phrases from the job description. This is an easy way to tailor your curriculum vitae to each job for which you apply and demonstrate your match for the position. As an added bonus, it makes it easier for your document to pass through automated computer programs set up to search CVs for certain criteria. If you never make it past the initial scan through applicant tracking software, you will not be called in for an interview.In the CPA accountant cv template, the applicant made sure to emphasize proficiency in QuickBooks, which was part of the job criteria in the posting, by including it in the skills section. The applicant also included it as part of the work experience section to show that she is not just proficient in it, but she also used it on a daily basis. The CPA accountant cv template also details several ways the applicant collaborated with the team, something that was also mentio ned as an important part of the position in the job description.

The Appeal of Functional Resume Example 2017

The Appeal of Functional Resume Example 2017 The Nuiances of Functional Resume Example 2017 Or maybe youve got a number of year gap of employment recently you dont have the maximum explanation for. Theres no doubt that a resume which is both cohesive and professional will have a much better probability of standing from the crowd even supposing its made utilizing a template. In other instances, nobody even would love to call you. You ought to use a chronological resume whenever you have extensive work history thats regarding the job youre applying for. Another important part of functional resume samples you need to not forget about is it is going to work to your advantage if youre in midst of shifting towards another industry for a career change, which permits you to demonstrate your particular skill collection. Irrespective of the reason, a functional resume is a terrific fit for everyone who would love to organize their work history a little differently. Functional resumes are perfect for men and women who dont have a lot of work experience about the job they are applying for. There are lots of reasons why a functional resume might be proper for you. Whichever tafelgeschirr you decide on, I cant overstate the worth of working with an expert job resume template. It can be as fundamental as communicating your pined for action title, or it may show where youre, and where you may want to go in your work. Look to the work description for cues about what things to emphasize here. Job searchers have a great deal of choices when it has to do with creating their resume. Make sure you get to incorporate the employment dates and business personennames into the base of the very first page of the second page. Make sure that your portfolio is pertinent to the position available. Use the work listing for the job which youre applying for to find out what kinds of skills the business needs. Bearing that in mind, below are some basic tips that could offer you grea ter insight about ways to develop a functional resume which works for your distinctive needs. As you still use the four main resume sections, theres additional information too. There are a number of easy tweaks that may make a functional resume advantageous All you have to do is merely download resume template and edit it the direction you will need to find the best outcomes. Next on your resume is going to be an expert summary. You might include 1 sentence about your duties, but with minimal detail as its fleshed out in the prior section. Otherwise, your resume may get set aside immediately. When writing a resume, it helps to review resume examples that are linked to your occupation. Rather than that, you use the name of a particular skill for each heading. On the contrary, it focuses on the skills you have developed that fit the needs of the job for which youre applying. On the contrary, it highlights your abilities and abilities. Next, you are going to start to list yo ur key abilities and abilities. Internships and trial-basis jobs to start your career again can do the job. You may also see Teacher Resumes. Also, in the event you frequently change jobs, you might also think about a functional resume. Teaching jobs usually need specific degrees and certifications, so be certain to highlight your education.

Classified Facts About Writing a Fucking Resume That Only the Pros Know Exist

Classified Facts About Writing a Fucking Resume That Only the Pros Know Exist Dont forget, youre interviewing them as much as theyre interviewing you. Interests are important because it supplies the interviewer something to attach together with you on, and it makes you more than merely a faceless resume. Bear in mind there are unique forms of resumes. The True Meaning of Writing a Fucking Resume The leidion of producing a video resume might sound intimidating, but its not as hard as it sounds and, often, it helps job seekers to stick out in a very competitive job search atmosphere. You wish to know the surroundings, the culture. Whenever your resume is updated on a normal basis, youre all set to pounce when opportunity presents itself. While all resumes should offer information on your work and education experience, in addition to your abilities and accomplishments, there are various ways to present this info. Ok, I Think I Understand Writing a Fucking Resume, Now Tell Me About Writing a Fucking Resume If you break a semi-minor rule, youre going to be put on Posting Probation, where you wont be permitted to post threads for a predetermined period of time. You would like a resume thats simple to read and simple to follow along with. Out of all those resumes, there are dozens and dozens of qualified candidatespeople whod probably do a remarkable job and would be great additions to any business. Resumes give potential employers a means to learn about applicants quickly and readily, and theyre your very first step toward new job opportunities. Life, Death, and Writing a Fucking Resume Most individuals look at writing a resume as just something youve got to do to have a job. Each time you apply to get a new job, check your resume to make sure that it is not only targeted, but in addition current. Last thing you desire is to walk into your fantasy job, then find out your new boss is the largest asshole on earth. The key to receiving the job of your dreams is to make an awesome resume. Building a resume isnt a task it is possible to leave up to chance. It shows you would like to succeed and you wish to do well. Then it may be time to bring some style to your resume The simplest way to be certain you remember all this is to keep track employing the great Resume Checklist we made for you. Most importantly, your resume should be consistent, concise, and clear and simple to read. HR will be quite so impressed with your resume they might even ask how you built it. Tailoring your resume also enables you to receive rid of unnecessary information which may distract the business from the critical things that you want them to concentrate on. Think about your resume from the view of HR. The Unusual Secret of Writing a Fucking Resume Learn about the three kinds of skills youll be able to highlight and the way youre able to incorporate them into your resume. Create a master resume that will do the job for a selection of positi ons. However much or what type of work experience youve got, theres a resume format that is likely to make your qualifications shine. Then have a look at the following resume writing tips to learn to compose a resume optimizing each section for greatest success.