3 Job Application Deal Breakers

Write A Cover Letter When Applying For A Job

Write A Cover Letter When Applying For A Job

Given the current job market, it’s especially important for all job seekers to make the best first impression they can. More often than not, the first impression is in the form of an online job application. Whether submitted directly to the employer or through a job search website, there are three main pitfalls that can ruin your chances of even being considered for the position you are applying for. When applying online, most jobs come with a detailed set of instructions for the applicant and include the types and appropriate formats for the materials requested. Almost always, an employer will request a cover letter. The cover letter is extremely important because it’s first opportunity the employer gets to hear your voice, as opposed to just seeing your resume and qualifications. These tips and a few others will help you put the best foot forward.

Not Following Instructions

You Must Follow Instructions To The Letter

You Must Follow Instructions To The Letter

This first might sound like a no-brainer, but it needs to be noted. Following instructions is key to a successful application. Completing a task as told is a fundamental job skill that all employers look for in a candidate. Failing to follow the instructions not only makes you look bad and careless, but it could very easily result in your application not being viewed at all. Some things to consider when you are submitting an online job application are: formatting, attachments and above all completing the application instructions to a T. First, when reading a job posting take note of how they ask for the materials to be submitted. Some employers prefer the cover letter in the body of an email and others would like it sent as an attachment. Despite your personal feelings on the matter, send it the way they ask. If additional materials are required, such as a writing sample or portfolio, make sure those are properly attached as instructed also. Some job search website don’t give you many options. If this is the case, consider submitting the application directly to the employer, if possible. If not, make sure you follow the instruction within the job posting website as well. Another consideration is file formatting. If an employer does not specify how to format documents, putting your materials in a PDF is the best solution.

Generic Cover Letter

As mentioned earlier, your cover letter is the first opportunity you get to share your voice with your employer. Don’t make the common mistake of submitting a generic cover letter. Each job you are applying for is different, even if they all are in the same field or have the same description. Employers look for something unique you can bring to the job. While it seems like a pain, make sure you structure each cover letter to the job, using key words from the job listing in your own words. Don’t make the mistake of copying the job posting or description word for word, but try to use similar language that shows this letter is directly towards this specific posting. Employers want a worker who is passionate about their profession, so let this show in your cover letter. Don’t be overly friendly, but make sure your letter isn’t robotic. Employers are often reading many, many cover letters a day. They are going to look right past those letters that seem copy and pasted from the Internet. You want this letter to ?sell? the employer on you, your qualifications and your capabilities to do the job. Always remember to edit your letters, and if possible ask a family member or friend to read over it, especially if they work in the same field. Never use language that is overly casual or slang terms. If you know the name of the person you are sending the letter to, be absolutely sure you’ve spelled their name correctly. While in many cases, applying for a job may seem time sensitive, it is always worth the extra effort to make sure your cover letter, resume and any additional materials are meticulously edited and accurate. This will ensure that your application will be taken seriously and give you an edge above the rest.

Misspelling the Name of the Company

Make Sure You Wrote EverythingCorrectly

Make Sure You Wrote Everything Correctly

Though this seems it need not even be brought up, but be absolutely sure you spell everything correctly. From the name of the recipient of your cover letter to the name of the company, even the job title, you must make completely sure you have spelled everything perfectly.

How Stress Can Hurt Your Social Health

Stress Can Hurt You More Than You Know

Stress Can Hurt You More Than You Know

In between keeping your body healthy by exercising regularly and eating foods with the right amount of nutrients you need, it’s important to keep control of your mental and social health. They’re equally as important, after all – a healthy body means little if you don’t also have a healthy mind. Stress can be just as damaging to your body as making poor exercise and eating decisions can, so make sure to manage your stress levels as best as you can. When you’re stressed, it isn’t just your mental health that suffers, but your social health as well. Social health might not seem important, especially to those who think they can get by without anyone else, but making sure to keep a good balance when it comes to your relationships and interacts with other people is just as necessary as the other parts of your overall health.

Detachment

Do Not Isolate Yourself From The World

Do Not Isolate Yourself From The World

The more stressed you get, the more alluring the idea of distancing yourself from people seems. When you’re stressed, it can be hard enough to deal with your own stress levels and the way you’re coping with the world, much less having to deal with maintaining interactions with other people. Distancing yourself from people when you’re stressed is damaging and you should try to avoid doing it as much as possible, as easy as it seems to do. Studies have shown that an effect of too much stress leads to feelings of depression or loneliness and isolation. The more you distance yourself, the more out of the loop you fall and the harder it can be to regain any semblance of harmony in your relationships with other people, so if you let your stress control your life your social health will be just the beginning.

Physical Component

Stress Can Physically  Hurt You

Stress Can Physically Hurt You

Stress not only hurts your mental health, but it takes a toll on your body as well. If your stress levels are high for long periods of time, your body is going to suffer a weakened immune system, nausea and dizziness as well as other stomach problems, and frequent colds, and believe it or not, but this is going to affect your social health as well. Although it seems like an unrelated long shot at first, feeling under the weather physically is going to translate into an increased desire to shy away from social situations. Think of your health and the way it handles stress as a domino effect: first one aspect suffers, then the others start to fall down around it. To keep one aspect of your overall health under control, it’s important to keep all aspects under control.

How to Cope

Find Some Form Of Stress Relief

Find Some Form Of Stress Relief

It seems easy to cope with stress by sleeping it off or keeping yourself busy to avoid facing problems, or maybe even by “eating your feelings” or some other coping mechanism like smoking or drinking, but those are all unhealthy ways of coping with stress. Especially when it comes to stress that’s impacting your social health, breathing deep and evaluating the situation is key. In a social situation, stress can be alleviated by changing the way you adept to the stressor, which can in turn lead to an acceptance of the stressor in a way. Keeping control of your environment is key in avoiding the stress that can lead to an unhealthy social life, so make sure that you’re choosing healthy coping mechanisms before you try and start improving your overall social health.

The 6 Areas of a Comprehensive Financial Plan

Comprehensive Financial Plan

Comprehensive Financial Plan

If you haven’t been to see a financial planner then you probably think they’re just good at telling you what you already know. You should spend less, save more, and put all the money that you used to spend on having fun towards paying off your student loans and credit card statements. A lot of people feel like they don’t need a financial planner to tell them to do things they already know that they should do. The truth is that you really don’t. A financial planner who only tells you things you already know isn’t very good at their job. Here are the six areas that a comprehensive financial plan should cover, and why not everyone can handle all of these themselves.

Income Allocation

This is what people think of when they think of a budget. This is phase one of any financial plan. It’s basically a snapshot of your finances. How much money are you earning? Where does the money you earn go? What are the expenses that are fixed: these are things like your insurance payments, your car and mortgage payments, and so on. It should also cover variable expenses like groceries and gas. You should have a budget estimate and outline for every item on the list, and specific plans for what to do with any extra money that’s left over.

Risk Management

Taking Some Risk

Taking Some Risk

Everyone has to take some risks now and then. This covers both making sure that you’re prepared in case anything goes wrong (some financial planners choose to have insurance under this banner; others prefer to leave it in "Income Allocation" as the monthly paying of insurance policies is a fixed variable payment) and knowing what’s going on with your investments. Even the most conservative investor will have to take one or two high risk, high yield investments in order to make money. If your portfolio is too tried and true you risk losing the battle with inflation and coming home with less money at the end of the day than you started with.

Investing for Wealth Accumulation

This is money that you’re saving towards specific goals. This could be your fund for traveling the world when you retire (and earning a nice chunk of compound interest until then), or it could be something like buying a chunk of stock in a company you believe in. This money often is a reinvestment; it’s the post-tax profits of investments that are working out. If something is turning a regular profit some people prefer not to "double up" on it by sinking the profits back in. Diversifying is the key to long term financial success. How much money is in this area of your financial plan will fluctuate with market growth and how many winners you picked to bet on in the stock race.

Tax Planning

Tax planning isn’t the end of the world. This is where you set aside money to pay off things like property tax on everything you own after you retire. You also deal with income tax and estate & gift tax here. This is the area where most people lean on their financial advisor very hard. There are a lot of qualifications in the tax codes that make them difficult to navigate and a professional’s guidance is important. A key misunderstanding in this area can easily throw off your entire financial plan. Unlike other areas of the financial plan which can be thrown off with merely a net loss of money, a mistake here can land you in trouble with the IRS. Of course, money loss is only "mere" when you compare it to potential jail time.

Retirement Planning

Take Control Of Your Finances

Take Control Of Your Finances

This is the second thing that people think of when they think of financial plans. How much money can they save while working so that one day they can stop working? The truth is that most retirement plans rely heavily on investing. You can invest, you can play the market, and if you do so wisely you’ll be able to increase your net worth and enjoy yourself. Retirement planning can be a tricky business as many factors are unknown. Future inflation rates make it difficult to plan, and future medical expenses don’t help either.

Estate Planning

There’s a lot to be gone over in estate planning that isn’t merely money. You can control the way your property is distributed and how your funeral costs are covered. Though this is a grim subject for many people, almost everyone who goes through it agrees that the peace of mind is worth it.

4 Websites With the Best Recipes

The Best Recipes On the Web

The Best Recipes On the Web

Trying to cook for yourself every day of the week can be exhausting and overwhelming venture, especially if you’re doing it to try and adhere to a budget. The simple task of figuring out what you want to eat can be daunting on its own, and an inability to face figuring it out could send you scrambling out the door to find a place that’s still open for takeout. Instead of looking sadly at your cookbooks and feeling like you’d never be able to find anything interesting or easy enough for you to cook in them, you should be turning to the Internet to find new and exciting ways to get yourself interested in cooking. This could involve looking for recipes, learning new techniques, or finding other budding home chefs to talk to and swap disaster stories and baking secrets. If you’re ready to get out on the web and learn more about cooking, you should check out these sites first.

1. Epicurious

If you’re looking for both interesting recipes as well as pieces of lifestyle writing about food, food culture, and everything else associated with cooking, Epicurious is going to be for you. With a sleek website that places all of its features in easy reach, Epicurious contains not only a host of recipes sorted into categories (including seasonal recipes if you look to cook what’s in season), but also a lot of high-quality writing on subjects as wide-ranging as obscure local food in Paris to how to make eating vegetables a more interesting experience. Get your fix of info and entertainment on Epicurious, and then head on into the kitchen to put your new knowledge to the test.

2. Food Network

Food Network

Food Network

Do you have a favorite celebrity chef who just made something on TV that looked amazing, or do you just like to use recipes that you know have been vetted and tested out over and over again? Whatever your reason, the Food Network’s website has everything that you could be looking for. Whether you want to quickly find what was just made on TV, or if you want to search through one particular chef’s recipe catalog, it’s easy to find what you’re looking for. Like Epicurious, the site also features some articles you can check out. Additionally, the site features a number of video featurettes you can watch in order to learn a technique or grasp the finer points of a recipe. Learn more advanced techniques for grilling or baking, figure out how to make your own bread, or learn how to introduce new foods into your diet without breaking the bank. There’s plenty of information on how to make your life healthier on the Food Network site, too.

3. AllRecipes

A haven for user-submitted recipes, AllRecipes is a great place to go if you’re trying to figure out what you can cook from just what’s in your kitchen. It’s also an excellent location to scope out new recipes based on what’s popular, as AllRecipes features quite a lot of recipe reviews where other users can tell you how they liked a dish, how they didn’t like it, or even some tips and tricks for making the recipe even easier. There’s even a Menu Planner option so you can work out everything you want to eat for the next week by adding in your favorite recipes, or plan a luncheon with your friends so you can dazzle them with your selection of dishes. Looking for holiday recipes? AllRecipes has a section for holiday-themed recipes including everything from individual Jewish holidays, Cinco de Mayo, and of course, Thanksgiving. You’ll always have something new to bring along to a holiday potluck when you’re browsing AllRecipes for new ideas.

4. Foodgawker

Another Interesting Website To Visit

Another Interesting Website To Visit

Though this site doesn’t directly host recipes, you’ll find they’re always just a click away. This site aggregates photos of food submitted by users, usually of very high-quality or interesting dishes. If you’re the kind of person who really enjoys seeing what something will look like before you make it, check this site out. It’s great for finding baking recipes as well as interesting seasonal dishes such as soups, stews, or even unique cocktails and desserts. The recipes are always just a click away, as each image links directly to the originator’s page. This is also an excellent method for finding new food bloggers to follow, as many people will submit their blogged recipes to Foodgawker alongside their images. Use this site to get new ideas for what to cook, and maybe even find some new faces to follow online to feed off their ideas, too!

How to Tell Your Significant Other You Don’t like Their Idea of Romance

You Two Have Different Opinions About What Romance Is

You Two Have Different Opinions About What Romance Is

Candlelight dinners, long walks on the beach, watching the sunset together, paired with the essential red roses. These are all the staples of romantic dates. Most of you would have been on dates like this, or have planned dates like these for your partners. If you enjoyed these kind of dates, then good for you! Your partner’s efforts paid off. But what if you detest the whole cliché idea of red roses and diamond rings and sunsets at the beach? It is hard, to break it to your partner that what they like romantically isn’t doing a thing for you. It can also happen the other way, you like roses and sunsets, but your partner’s idea of a romantic night is sitting at home in their underwear while watching Criminal Minds. How do you let your significant other know that you don’t like their idea of romance? We have a few tips.

Tell Them about It
This seems really obvious, but you’ll be surprised. Many of you wouldn’t want to risk confronting your partner over something like this, thinking that it may lead to hurt feelings and it would be better if you’d just bear it in silence. That is not true; a healthy relationship needs honesty to work. If you are not even comfortable enough to tell your partner you don’t enjoy their idea of romance, how will the both of you even discuss weightier topics like bank account balances and children?

A Healthy Relationship Begins With Honesty

A Healthy Relationship Begins With Honesty

In addition, discussing romance is not as frivolous as some of you may think. To keep your relationship strong over the years, you and your partner need to go on regular dates to keep the flame alive. If your ideas of romance are incompatible, you end up with one partner feeling the love and the other feeling left out in the cold. The worst thing is, your partner won’t even know that you dislike all the dates he or she plans. Thus it is best for you to clear the air as soon as possible regarding this.

Try to Compromise
Another important thing you should do is compromise. You may detest everything about red roses and slow dancing in the rain, but if your partner loves them, there is no need to air your views about how pointless you find these things. Trust us, if you have talked to your partner about your views towards romance, they will remember what you’ve said. There is no need to rain on their parade.

It Does Not Mean You Don't Love  Your Partner

It Does Not Mean You Don’t Love Your Partner

Just think about it, you may hate traditional ways of showing romance, but you love your partner don’t you? Think about how happy it will make your partner if you do something he or she likes. They’ll certainly appreciate it, especially if they know how out-of-character it is for you to do something like this. Of course, this goes both ways. If you adore long romantic walks and diamond rings while your partner prefers Netflix and pizza, you have to adjust your expectations a little. For instance, spend time with them cuddling on the couch while watching TV instead of going out for a date. They’ll appreciate you spending time with them doing something they like, instead of complaining how “going out would be much more romantic.”