Long Term Personal Retirement Management (Part II of Rollover Express)

Long Term Personal Retirement Management (Part II of Rollover Express) In my post yesteday announcing my new relationship with a company that specializes in helping you rollover your retirement accounts into a personal account, here is more information Yesterday I had a question/comment to my post from David Grubman: But Jason†¦. you can roll over your old retirement savings plans (401k or 457 or 403†¦.) to any qualified IRA. Not sure I get the unique value proposition of these guys.. you can do the same with Vanguard or Fidelity. Good question Ill let the CEO (Brandon Small) answer it: Absolutely. You can rollover to anything from anything. But neither Vanguard or Fidelity do the tracking. And the paperwork leads many to not do their rollover. Im not saying we invented the wheel. But we are focusing our efforts on a specific niche. Its like your site, there are other similar sites, but you do it differently choosing to focus on topics you think are important. Ive found Brandons service to be exactly what I needed. When I went through this process I had a number of questions to ask, and he had the time and knowledge I was looking for. I didnt want to be sold a complementary service it was very straightforward, but he respected my unique situation. I like service providers that provide old fashioned service. I can vouch for Brandon and his company. Here are a few more details that came up: 401k Accounts only?? No, that is my myopic name for retirement savings account it applies to various plans, which you can see on their website. When in doubt just fill out the form and theyll get back to you to discuss it. What is the cost to do a rollover? On the transfer (rollover) we are charging nothing nor does the client incur any cost. How does Rollover Express make money (I get this question all the time): The fee is between .5 % and 1.5 %, charged quarterly so 1/4 of that will be deducted as a fee (from your principle (total assets)) every 3 months. Most advisors that provide fee-only have a minimum of $150k to $200k. We have no minimum this is a function of our lower costs and competitive edge. This is the preferred fee structure for investors. What is your motivation for serving me, as a client? We charge a flat annual fee for managing assets, .5-1.5%. Commission advisors charge 4-6% upon investment. Because of this compensation structure we are naturally service centered, not sales centered. Fee-only is also the direction most advisors are going. Discount brokerages, like ETrade and TDAmeritrade and Scott Trade, charge for every transaction like $10 for a stock trade or other, but you get no investment service/advice. I asked my LinkedIn network (using the new Answers feature) and got some outstanding replies and information heres one that I think it really noteworthy, from Frank Galea, CFA, who is a Mutual Funds Compliance Manager: The only hitch is that you would not want to commingle rollover funds with additional personal contributions because the latter will not be eligible for rolling into a future employer plan and can lead to accounting headaches to figure out ratio of eligible vs. non-eligible funds. One of the answers I got on LinkedIn was from David Craker in Australia it kind of suprised me: Jason, this is a global forum, please remember this A 401k is nothing that anyone else is interested in other than the USA We do not have these issues and constraints by the US Government rulings in Australia unless we are directly US citizens that need comply with this for the USA Here we are ruled by Australian Taxation Office, possibly the Corporations Act and Australian Securities and Investment Commission if it involves investments. Why did this surprise me? The point of this entire topic is managing your own career, which includes planning for and managing retirement. I dont care where you live, or what great company that you work for that has a great retirement plan (can you say E-N-R-O-N??) I dont even pretend to know the options in other countries but my message is FIGURE SOMETHING OUT. Dont leave this to an employer, or a government. You can if you want, but Im a little skeptical after my experience last year of getting booted out the door. Im all about figuring out what YOUR plan is for YOU. Is this interesting? Do you have a plan? If you are in the US (thanks for the reminder David) then go fill out the form and get the ball er, rolling ?? Long Term Personal Retirement Management (Part II of Rollover Express) In my post yesteday announcing my new relationship with a company that specializes in helping you rollover your retirement accounts into a personal account, here is more information Yesterday I had a question/comment to my post from David Grubman: But Jason†¦. you can roll over your old retirement savings plans (401k or 457 or 403†¦.) to any qualified IRA. Not sure I get the unique value proposition of these guys.. you can do the same with Vanguard or Fidelity. Good question Ill let the CEO (Brandon Small) answer it: Absolutely. You can rollover to anything from anything. But neither Vanguard or Fidelity do the tracking. And the paperwork leads many to not do their rollover. Im not saying we invented the wheel. But we are focusing our efforts on a specific niche. Its like your site, there are other similar sites, but you do it differently choosing to focus on topics you think are important. Ive found Brandons service to be exactly what I needed. When I went through this process I had a number of questions to ask, and he had the time and knowledge I was looking for. I didnt want to be sold a complementary service it was very straightforward, but he respected my unique situation. I like service providers that provide old fashioned service. I can vouch for Brandon and his company. Here are a few more details that came up: 401k Accounts only?? No, that is my myopic name for retirement savings account it applies to various plans, which you can see on their website. When in doubt just fill out the form and theyll get back to you to discuss it. What is the cost to do a rollover? On the transfer (rollover) we are charging nothing nor does the client incur any cost. How does Rollover Express make money (I get this question all the time): The fee is between .5 % and 1.5 %, charged quarterly so 1/4 of that will be deducted as a fee (from your principle (total assets)) every 3 months. Most advisors that provide fee-only have a minimum of $150k to $200k. We have no minimum this is a function of our lower costs and competitive edge. This is the preferred fee structure for investors. What is your motivation for serving me, as a client? We charge a flat annual fee for managing assets, .5-1.5%. Commission advisors charge 4-6% upon investment. Because of this compensation structure we are naturally service centered, not sales centered. Fee-only is also the direction most advisors are going. Discount brokerages, like ETrade and TDAmeritrade and Scott Trade, charge for every transaction like $10 for a stock trade or other, but you get no investment service/advice. I asked my LinkedIn network (using the new Answers feature) and got some outstanding replies and information heres one that I think it really noteworthy, from Frank Galea, CFA, who is a Mutual Funds Compliance Manager: The only hitch is that you would not want to commingle rollover funds with additional personal contributions because the latter will not be eligible for rolling into a future employer plan and can lead to accounting headaches to figure out ratio of eligible vs. non-eligible funds. One of the answers I got on LinkedIn was from David Craker in Australia it kind of suprised me: Jason, this is a global forum, please remember this A 401k is nothing that anyone else is interested in other than the USA We do not have these issues and constraints by the US Government rulings in Australia unless we are directly US citizens that need comply with this for the USA Here we are ruled by Australian Taxation Office, possibly the Corporations Act and Australian Securities and Investment Commission if it involves investments. Why did this surprise me? The point of this entire topic is managing your own career, which includes planning for and managing retirement. I dont care where you live, or what great company that you work for that has a great retirement plan (can you say E-N-R-O-N??) I dont even pretend to know the options in other countries but my message is FIGURE SOMETHING OUT. Dont leave this to an employer, or a government. You can if you want, but Im a little skeptical after my experience last year of getting booted out the door. Im all about figuring out what YOUR plan is for YOU. Is this interesting? Do you have a plan? If you are in the US (thanks for the reminder David) then go fill out the form and get the ball er, rolling ??

Writing Assistant Resume Sample - Find a Great Writing Assistant Resume Sample

Writing Assistant Resume Sample - Find a Great Writing Assistant Resume SampleFinding a good writing assistant resume sample is actually a big thing. Writing sample resumes is the number one way to get through the hiring process with ease. There are many good writing samples out there on the Internet, however, some of them are not at all suitable for what you are trying to accomplish. There are two ways to go about finding a good resume sample.One way is to get through the hiring process with ease by using a writing assistant resume sample. You can do this by going online and locating one of the numerous online sample resumes that are posted. You will not be able to find a great writing sample right away, so you need to be patient and see if you can locate one before you ever have to actually start sending in your application.While this may seem like an eternity, the truth is that it will only take you a few minutes to retrieve a good writing assistant resume sample. You can simply s it down at your computer and take a look at the sample and then make sure you are comfortable with it before you actually send it in. If you do not feel comfortable with it, this could become a big problem for you down the road.The other way to obtain a writing assistant resume sample is to actually go to a place where they are posted. This can be your local library or your local office supply store. Once you have located a good writing sample that you feel comfortable with, you can try to find someone who has used it. The best people to ask are people who have actually sent in their applications and are currently in the hiring process.There is a reason why you want to ask these people about a writing assistant resume sample. Most of the time, they will not know anything about writing sample resumes and therefore, will not be able to help you get the application you are after. Instead, they will simply tell you that they have used their name as a reference for one of the great write rs and they recommend that they use that person for anything they may need to do with a resume.It is because of this reason that you should never assume that you will be able to simply find a good writing assistant resume sample by going online. Instead, you should try to find a good one locally and then request to use it as your own. You might be pleasantly surprised when the writer will tell you that they have actually used it before and recommend it to others that they know.A great writer will know what the requirements are for writing assistant resume sample, so that you do not have to guess. They will have done all of the research for you so that you do not have to either. They will be able to direct you in the direction of the sample job description that they have already used and use it themselves.Another benefit to writing an assistant resume sample from someone else's experience is that you do not have to worry about how they did it. You just have to trust that they know wh at they are doing. This gives you the confidence that you need to confidently send in your application and stand out from the crowd.

A Guide On How To Choose The Right Exhibition Stand

A Guide On How To Choose The Right Exhibition Stand Have you been asked to manage your company exhibition? When it comes to the design of  the exhibition stand, it is worth your time and effort in researching different techniques to catch and keep hold of people’s attention. You can get some interesting tips on the Internet to get you started. There are many things that you can do to have people notice you, but you will want to make sure that you do not overdo it. A Professional Contractor It is always worth your while in using the services of a professional company, such as the Aspect Exhibitions professional UK stand contractors when you are having a display built. A professional company will have a wealth of experience in designing and building stands, so you should draw on this to determine what is going to work, and what will not work. Explain your company’s goals for attending the exhibition and ask them to come up with a concept which is going to draw the eye and engage people from a distance. Build It High An easy way to make sure that you are head and shoulders above the competition is to create an exhibition stand which is higher than everybody else’s. An additional benefit of building a tall stand will be that you also have more area that you can cover with displays and logos. You will also have the added benefit of being able to make your graphics larger, as you have more room to cover. With bigger graphics, you will be able to read them from a further distance, allowing you to engage people before they even reach your stand. Eye-Catching Another excellent way to draw attention to your display is through the use of lights, colours, and video displays. Video screens are a splendid medium to use, as you can say a lot using images in a very short span of time which can also draw in potential customers from a long way off. Video screens are a great medium to use to hold people’s attention. Using lighting correctly can also make your exhibition stand a focal point within the hall and is also great to catch attention from a distance. You will want to ensure that the light does not dazzle people when they move closer to your display, as this could end up putting people off. Not Too Loud Although having someone on a PA system, or using music, is great to get people’s attention, it is important that you make sure that it is not too loud. The last thing you want is for your workers attending your exhibition stand not to be able to hear the people that are visiting. Make sure that the winning personalities of your staff can shine through, without the need for them to shout! Offer Some Freebies You can also hold people’s attention by offering them something for free. There are many different things that you can do such as free Wi-Fi, promotional giveaways, charging points for mobile devices, or even just free refreshments. When it comes to the design of your exhibition stand, it is just as important to make sure that it is functional, as well as eye-catching. Speak to a professional and plan your display after doing some research. With some time, and effort, you can ensure that the next exhibition you attend, will be a roaring success.

How to find work with a flexible schedule

How to find work with a flexible schedule Most of us think of a dream career as one that affords us flexibility for personal relationships and high engagement for personal growth. And while flexible work used to be limited to women, USA Today reports that increasingly, men, too, feel stress from the personal impact of inflexible work. So the question for everyone is: Whats the best path to get this dream career? Retail is a great way to get flexible work, (which is why I think we should see a surge in educated people taking retail jobs.) But most people dont aspire to retail because the work is not intellectually engaging. On the other hand, most of the intellectually challenging work in this world comes with inflexible schedules. So the trick is not to get flexibility, the trick is to get it without losing engaging work and avoiding a pay cut. Also, keep in mind that flexible work is not about the hours, its about control. Because most of us are fine with working long hours as long as we have control over those hours. Given these parameters for thinking about flexible work, here are the tricks for landing that sort of job: Be a star. There are great stories all over the place about women who negotiated. Brenda Barnes was CEO of Pepsi, then she quit to take care of three kids. She came back and took a position as CEO of Sara Lee. Thats the ultimate flexibility: A CEO position in the Fortune 500 with seven years off to raise kids. But who is as talented in business as Brenda Barnes? Not many of us. The flexibility you can negotiate is directly commensurate to the star power you established before you started negotiating. Be relentless. Flexibility comes, usually, after proving your worth to a company. Which means you cant job hop to get flexibility unless youre a rock star and can make it a precondition for hiring. Non rock stars need to stick around longer. Prove your worth, and then make tons of suggestions to get the specific flexibility you wanta new department, different hours, less travel, on-site child care, maybe a satellite office near your home. You need to propose options that are solutions for you. And if one doesnt work, try another. Know your bottom line. I wouldnt work without enough money to have household help. It was a precondition for me being available at all times to the companyI needed household available at all times to me. This gives me the ability to create the type of flexibility I need in my life. At one point, things got so tenuous that I had a huge screaming match with one of my investors over my salary. But I didnt budge. I had the confidence that I knew my line in the sand, and I wasnt going to cross it. Gear up for big risks. Screaming at my investors. And crying. And getting thrown out of the attorneys office where we were. Those were big risks. I could have lost my company. But I didnt. And I didnt lose my salary either. But I took big risks. You never know what risks youll have to take to get what you want. But its safe to say that if you are aiming for flexibility in corporate America, you will need to risk your job, or your salary, to get what you want. Be careful what you wish for. If you win the flexibility to do your work when you want to, and you make space in your day for your kids, you still did not get more time in your day. For example, its clear to me that theres a surge of email from 9pm 11pm eastern, as kids across America go to bed and parents jump online. So were better parents and engaged workers, but Oprah magazine reports that more than half of people who are married say they dont have enough time for their spouses.

Things to Remember When Writing Entry Level Objective For Resume

Things to Remember When Writing Entry Level Objective For ResumeMost entry level positions require you to know and understand what writing entry level objective for resume is all about. Though many of us have not met each other before, we tend to develop our ideas about what a job entails only on the basis of the information we get from our coworkers and colleagues. The main reason is that it is the easiest way to explain and express your perception or ideas about how a job should be done. However, it is not a factually correct way of doing things because it involves generalization and it does not suit certain situations.In addition, since we tend to overlook certain details when we read resume, writing objective for resume might sound irrelevant to us. It is true that we should not overlook such details but it is also true that we can discover many other relevant details. For example, when we are about to choose a choice, most of us try to think of things in terms of good and bad re sults. If you tend to write objective for resume, you can write down things like things that should be considered to prevent a mistake such as avoiding making use of wrong grammar, using precise names of your references, etc.After all, we need to avoid unnecessary hard work. Writing entry level objective for resume can also refer to filling out the required forms. And it is quite useful especially if you don't have enough time to fill out numerous forms.Another thing that we should note when we are about to write it is that we shouldn't forget to mention the reasons why we chose such things as the language of the job, location of the job, the type of the product that you are selling, etc. That will help in keeping track of your point of view. Writing objective for resume should be able to emphasize your professional and social skills. On the other hand, if you possess such skills, then you should consider including those details in your writing.Some of us feel that they cannot consi der going for something else if they cannot make an entry level objective for resume because it is not their cup of tea. But it should be remembered that all professions have certain skills and qualities that cannot be served by any other profession. The very reason why they are chosen is because they have these qualities.And while we are at it, we should also not forget to mention the exact amount of time that was taken in order to make this part written in the right terms. It is true that some people never bother to do it. However, it is our duty to pay attention to such details.To conclude, we must learn how to use the right words, to write the right words and in the right manner. Otherwise, we can end up wasting our time by trying to write something that we do not really want to do.Writing entry level objective for resume must be done accurately and must be written clearly. It is important to see to it that it clearly describes the job and the skills that you possess. This will be helpful when you are interviewing for a position and it will be helpful when you are actually applying for the job.

Workplace of the Future - Defined by Gen Y - Career Pivot

Workplace of the Future - Defined by Gen Y - Career Pivot Workplace of the Future The workplace of the future will be defined in next 10-15 years by Gen Y. The current workplace was defined by baby boomers and their parents, and not much has changed in the last 40-50 years. Yes, there have been technological changes, but the basic concepts that define a workplace have not changed much until recently. Today, Gen Y makes up 36% of the American workforce. There are projections that in a little over ten years they could make up 75% of the worldwide workforce. Whether you like it or not, Gen Y will re-write the rules of the workplace. In my honest opinion, for the good! Some people say that 2014 will be the Year of Workplace Reinvention. Pam Ross wrote in her article on the Huffington Post: “The Results-Only Work Environment (ROWE) challenges traditional management strategies. Jody Thompson, and Cali Ressler, co-creators of the ROWE, describe it as “a management strategy where employees are evaluated on performance, not presence.” In a ROWE, workers can work wherever, whenever, and however, they choose to, as long as they achieve their results.” Does that sound like an environment in which a Gen Yer would thrive? Millennials (Gen Y) Are Rewriting the Rules of Management In an article posted on Chief Learning Officer, Millennials Are Rewriting the Rules of Management, the author Ladan Nikravan states: “Because Millennials feel a bond with globalization and diversity, they tend to believe a diverse group, with an assortment of ideas, comes up with a better solution than a lone leader. This is changing traditional management practices.” Brad Karsh, author of Manager 3.0: A Millennial’s Guide to Rewriting the Rules of Management, said in the article: “…we focus on millennials and how this generation will lead. We have talked to thousands of Millennials across the country, and there are a few things that we heard time and time again that just aren’t working when it comes to management. A few ideas and icons that don’t work at work for Millennials include: Listen to the most recent episode Corporate ladder Bureaucracy Overly formal communication Inflexibility Lack of diversity Boring work Millennials aren’t afraid to say these elements of the business aren’t working, and they’re standing up for the new rules of management and fostering a positive work culture. As millennials take on management roles, they are pushing for new ideas and values.” Outsourcing and Crowdsourcing Back in the 1990s, outsourcing became the fear of just about every worker. Today, outsourcing or globalization is a fact. When you include the new concept of crowd-sourcing, where you can find groups of people from around the world who can and will do micro-tasks for you, the concept of a traditional workplace pretty much disappears. This is the brave new world that Gen Y will be bringing to the workplace. Are you ready? Please read the rest of the Multi-Generational Workplace Series. Marc Miller Like what you just read? Share it with your friends using the buttons above. Like What You Read? Get Career Pivot Insights! Check out the Repurpose Your Career Podcast Do You Need Help With ...

Its the End of the Job Search World as You Know It

It’s the End of the Job Search World as You Know It It’s the End of the Job Search World as You Know It The Before: Tell a few friends that you’re looking for a new gig and “if you hear of anything, let me know”. Call a few recruiters and they hook you up with interviews. Submit a few resumes with the goal of picking the best offer and negotiating the salary as high as you can go. Spend a few hours here and there poking around. During network meetings, come in ready to talk all about yourself, rattle off your background and accomplishments and hope they hear something that they find interesting. (I call this the deck-of-cards routine…toss cards out one at a time until the listener says “stop”). A few errors were tolerated, as hiring managers had a hard time finding the “perfect” candidate. The After (Today): Networking needs to be more focused, done with professionalism and a purpose and with great follow-up. Recruiters should be aware of your profile yet you need to be “findable” on LinkedIn. Be strategic in your application, assuring you address the buyer’s needs (hiring managers, interviewers). There are no salary discussions until you get an offer. When networking, have a clear job search goal, be prepared to listen more than you talk, and treasure the information and insights they give you. Follow up over and over, especially with gratitude. Prior to interviews, do massive amounts of research, be ready to talk about how your skills and experience make you the best candidate for their position. Most importantly, tolerance for mistakes is lower than it has ever been. As it should be. There is no room for common mistakes that candidates are making over and over again. You have no idea why you are not getting the interviews or the offers after interviews. You just keep looking and feeling frustrated. The job-seeking world has changed around you but you have not. The Future: Employers will all be using some form of technology to narrow down the best candidates based on word search and comparisons of your skills and experiences with their job description. Yes, networking will help get you in the pool, but that will only get you so far. Due to the increasing cost risk of hiring the wrong person, companies will conduct more phone or face-to-face screenings and they’ll check you out online via various sources and more. All of your facts and figures will be checked out for accuracy. Interviews are more of a performance I that you will be expected to be fully prepared, have a 30-60-90-day game plan for the position you are applying for, and you may be asked to demonstrate the skills you claim to have (language, Excel, technology, sales role-play, etc.). You need to be ready for the Future. No, let’s start with ready for Today. You need to re-invent your job search process and do it now. If you’re in job-search mode now, stop. Re-boot. Go to https://www.danamanciagli.com and Cut the Crap, Get a Job!

Should you create an infographic resume -

Should you create an infographic resume - Do you need an infographic resume? When you are looking for a job, it’s important to demonstrate what makes you unique. How (and why) are you different from every other, similarly qualified job seeker? What is the best way to make you stand out? How to best present your credentials (via a resume, online profile, or via your personal website) is a hot topic in the career world. Recently, several sites have come on the scene to help job seekers create infographic resumes. These completely visual (graph based) documents usually draw on information you either input into a form or they rely on existing information about you, for example your LinkedIn or Facebook profile. The resulting resume, conventional wisdom suggests, will help the job seeker stand out from a crowd of “boring,” conventional resumes. Ive written about this subject and taken the position that, while fun and visually stimulating, an infographic resume cannot be read via the Applicant Tracking Systems most companies are using, so would be completely useless to use to apply for most jobs. For networking purposes, it can certainly be eye-catching to have a graph-based version of your resume to share, and you may be able to get some millage from sharing a PDF of an infographic resume on your social resume, or personal website. My opinion is, anything you can do by entering information into a form or connecting an application to your LinkedIn profile and pressing a button does not really illustrate any specific skills you have! For now, you may get some attention with an infographic resume as an accompanying document if a human being reviews it for example, when mailed which is very rare. As I explain in my Job-Hunt.org article on the subject, as with anything related to your job search, consider your target audience and their needs. Unless your resume infographic will be unique and appeal to the employer, think twice before assuming your “outside of the box” approach (and how unique is it really once all of the career bloggers are blogging about it?) is going to be the thing that lands you a job. These are the tools I mention and evaluate in my post on Job-Hunt.org: Vizualize.me Kinzaa Re.vu Brazen Careerist Slideshare   Read the full post on Job-Hunt.org here. sample infographic resume from Devign Elements