Tips for Finding a Job With a Good Retirement Plan

Tips for Finding a Job With a Good Retirement PlanTips for Finding a Job With a Good Retirement PlanFor job hunters lucky enough to have more than one employment option to choose from, its important to look beyond salary and evaluate the other benefits offered by your prospective employer. These include things like health, life and disability insurance, vacation time, and summer Fridays. Good employer benefits also include a good retirement plan. Yes, some retirement plans are better than others. A really good one can increase the value of your position with an employer, and may even trump a higher salary at aelendher employer. What makes one retirement plan better than abedrngnisher? Here are is an explanation of the types, and some guidelines to help you compare. Employers may offer more than one or a combination of all three. Defined Benefit Plans The least common but most valuable is known as a defined benefit plan, which is what most of us think of as a traditional pension p lan. In this type of plan, the employer makes contributions to the employees account and guarantees a certain amount of monthly income at retirement. This might be a percentage of salary or a specified dollar amount. How much you receive may be based on your time spent with the company, your age, your salary, as well as other factors. Pension plans are protected through the Pension Benefit Guaranty Corp., a government agency that steps in if a company fails or cant make good on a pension promise. As recently as the 1980s, nearly 80 percent of large companies offered defined benefits plans to employees. Now that number is below 30 percent, and it is only expected to decrease. If you are fortunate enough to be offered a job with a defined benefit plan, carefully consider its value when comparing offers. A defined benefit plan can add significant income to your long-term retirement. However, check to see what happens to the defined benefit plan if you leave the company prior to retirem ent. Many defined benefit pensions are not portable, meaning you cant take it with you when you leave the company. Although some companies offer cash balance plans, which can be moved into an individual retirement account or 401k if you change jobs. Defined Contribution Plans A far more common option these days is the defined contribution plan, such as a 401(k), 403(b), or 457(b) plan. There is no set amount promised at retirement. Instead, the employee must save and contribute a set amount of pre-tax paycheck dollars, choose how they are invested, and manage the account now and in retirement. Unlike pensions that put the retirement risk on the company, defined contribution plans leave the risk and most of the work to the employee. On the bright side, the money can stay invested tax-deferred, even if you leave a job. What makes a 401(k) plan great is its investment options and employer match. Investment options should include low cost, no-load mutual fund options, as well as a l ife cycle fund that allows a professional manager to pick the choices for you. Great plans also offer employer matching in the 401(k), where the employer contributes up to 6 percent for every dollar (or 50 to 75 cents on the dollar) that you contribute. Some companies match employee contributions with corporate stock. Defined contribution plans also include profit sharing plans, money purchase plans, and stock bonuses. They are all very similar, in that employers offer something extra to employees each year. With a profit sharing plan, employers allot a percentage of the companys profits to employees each year. However, the employer is not obligated to give the profits every year. With money purchase plans, employers are required to make annual contributions of a certain percentage to each employees account. If employer contributions are given in the form of stock, it is a stock bonus or employee stock ownership plan (ESOP). Each of these plans adds savings options and potential dol lars for retirement. Individual Retirement Accounts Another type of retirement plan an employer may offer is an individual retirement account or IRA plan, to which the employee contributes a certain amount each year and the employer may or may not make matching contributions. There are various types of IRAs, including SEP IRAs, and SIMPLE IRAs. The different account types vary in terms of how much you can contribute each year, and how much your employer is responsible for contributing. More important to you are the investment options and employer contributions. Like a 401(k), IRA balances are portable and can be reinvested at any time. Employees may have an even broader array of investment options in an IRA. Still, it makes sense to favor low-cost and diversified mutual funds. Multiple Options ?Your prospective employer may offer one or more of these retirement options, which is great for you. If you get a sense of these benefits while weighing job offers, you may find that a great retirement plan makes one offer a clear standout.

Staffing Services and Recruitment Strategies to Get Clients to Yes

Staffing Services and Recruitment Strategies to Get Clients to YesStaffing Services and Recruitment Strategies to Get Clients to YesStaffing Services and Recruitment Strategies to Get Clients to Yes MuzioAs the end of the year approaches, you probably have a few clients whose recruitment strategies seem, for want of a better word, stuck. Maybe you have a client who seems ready to commit to your firm but never does. Or, maybe youre struggling with a manager who sounds like shes ready to commit to a candidate but always needs another week to decide. In order to get unterstellung clients recruitment strategies to yes by year-end, you may need to try something new.Luckily, motivation theories can help. When youre trying to get a client or candidate to yes, what youre really doing is trying to motivate them or, better put, trying to help them find motivation for themselves. Luckily, as it turns out, six measurable factors drive each of us to action. (I discuss some of these in my present ation, Six Hidden Factors of Motivation.)Applying one or more of these motivation theories to your recruitment strategies will help you move clients closer to yes.TruthSome of us just want the truth. Our search for the right answer whether its the right firm, the right candidate, or just the right place for lunch is tantamount. Right answers, of course, usually come from research. And research is just a fancy name for investigating what has already happened.Ask yourself how do you equip your clients with the truth? Does your website include real, well- described testimonials that prove youre the right solution to their staffing challenges? Do you converse about candidates in terms of their specific qualifications that illustrate why theyre a good fit? Improve these things and truth-seekers will appreciate and reward your efforts.ValueHave you ever met someone who only cares about Return on Investment, or ROI? Whether its about saving money or better time management, some of us are driven to make wise investments. we want to see our limited resources pay off.Ask yourself Why would a clients time or money be better spent on your recruiting strategy than with other options? How does your firm or any candidate you recommend provide the fruchtwein bang for the buck? Unless you differentiate your staffing services,in terms of value, you wont have much of an answer here. But if you can honestly say what Im recommending will pay for itself multiple times over, youre on the right track.ExperienceDo you know anyone who uses the phrase my feelings frequently? That person may be strongly motivated by personal experience. Some of us use our subjective reality, rather than a more objective perspective, to make decisions. In other words, we follow our intuitions to good experiences.Ask yourself How will your recommendation influence the client? Can you explain to a new prospect the benefits you can offer them? Can you help a hiring manager understand whether a new hire w ill be a team player? If you can paint a positive picture of future experiences, those clients who are motivated this way will be more likely to work with you.ServiceSome of us really just want to help. If thats the case, then were happy to spend our own time and money supporting others in the pursuit of their goals. It may be about providing employee development, supporting a managers project initiative, or some other form of service. Either way, for some of us, another persons success is our reward.Ask yourself Who else is my recommendation good for? Will retaining your firms staffing services reduce the workload on your clients teammates? Will hiring your candidate give a manager a chance to develop their skills? If so, sharing these benefits with your client will help get them to yes.PowerThe phrase power-hungry is often used as an insult, but theres nothing wrong with wanting to be in charge of your own destiny. Strong leadership often mobilizes others around a goal, for exampl e. Those of us who are motivated this way dont want to be left out of staffing decisions. Instead, we want to have a voice in what happens.Ask yourself Do your communications with your clients put your clients in the drivers seat, or make do they sound like youre the one at the helm? Its tempting to say we need to do this soon, for example, but your simple deadline reminder may sound like an unwelcome direction to the person who wants to lead. Remember to act (and speak) like your client is the one in charge. After all, they are.StructureSome of us run all of our decisions through the same platzdeckchen of criteria. For us, consistency is key, and things like standardized hiring criteria are tantamount. Using the same deciding factors for all of our decisions is crucial. When another person makes an off-the-cuff decision, or quickly changes direction, we become concerned.Ask yourself How do your recommendations support what is already important to the client? Are you advocating cons istency in hiring practices, and the careful building of an integrated team? Be careful not to give the impression that youre taking a shotgun approach, or you may find that your recruitment strategy grinds to a halt.Rules of EngagementLike any good tool, this set of six factors comes with a few instructionsFirst, you need to know that the same factor which resonates with one person might offend another. A manager focused on service might jump at the chance to hire someone in order to help his team, while a manager who is focused on value could find that suggestion ridiculous unless she could justify the cost of the hire. Use each approach sparingly until you determine which one works.Second and most important of all be honest. To emphasize is one thing, to fabricate is quite another. The staffing industry is a close-knit community and your reputation as a top tier hiring provider is far more important than any one sale.Having said that if youre careful to tailor your communicati ons to your clients, and careful to stay completely honest theres a good chance that one of these six factors will get your client back in gear and back on the path to saying yes.Author BioEdward G. Muzio, CEO of Group Harmonics, is the author of the award-winning books Make Work Great Supercharge Your Team, Reinvent the Culture, and Gain Influence One Person at a Time and Four Secrets to Liking Your Work You May Not Need to Quit to Get the Job You Want. An expert in workplace improvement and its relationship to individual enjoyment, Muzio has been featured on Fox Business Network, CBS, and other national media. For more information visit Make Work Great and follow the author on Facebook.

Customize this Outstanding Director Of Engineering Resume Sample

Customize this Outstanding Director Of Engineering Resume SampleCustomize this Outstanding Director Of Engineering Resume SampleCreate Resume Max Hardwick100 Broadway LaneNew Parkland, CA 91010Cell (555) 987-1234example-emailexample.comProfessional SummaryProficient Director of Engineering with sixteen years of experience in demonstration of technical, analytical, communications and management talent. Strong knowledge of engineering issues and needs of large scale commercial, hotel and multifamily residential properties. Knowledgable in most widely used computer programs, databases, safety and security technologies, facilities machinations, electrical, plumbing and engineering equipment.Core QualificationsHVAC control systemsHazMat, ADA and OSHA complianceJourney level buildingComplex mechanical systemsStrong supervisory skillsAdept time managerExperienceDirector of Engineering, February 2009-May 2015Haverford Hospitality Group New Cityland, CAEnsured hotel operations were function al, operational and safe for guests, visitors and employees at all times.Managed physical structures, condition, appearance and ongoing safety of 11 hotels with 2300 guest rooms.Supervised maintenance crews toward 100 percent operability of plumbing, electrical and HVAC systems.Provided second-level troubleshooting services for equipment, facilities and technologies in disrepair.Maintained all facility inspections, compliances, licenses and other documentation per local, state and federal regulations.Performed risk management analysis, surveys and documentation duties.Directed 34 permanent, full time maintenance engineers for optimum time management, projects completion, work efficiency and cost management.Director of Engineering, March 1999-February 2009Marker Multifamily Developments New Cityland, CAReviewed development plans and construction sites to ensure apartment properties were constructed toward optimum safety, functionality, efficiency and longevity.Provided innovative al ternatives and insights to out-of-state developers, architects and construction contractors to reduce utility costs, conserve resources, inhibit fire, improve safety and ensure resistance to the effects of region-specific natural disaster.Enforced facility inspections and regulatory compliance.Education1998 Bachelors of Science, Electrical EngineeringUniversity of California-New Cityland, CACustomize ResumeDirector of Engineering Resume Questions1. What sections should you include in your director of engineering resume?Any good director of engineering resume sample will include voreingestellt resume sections like skills, experience, and education. However, depending on your circumstances, you may want to add a few more. For example, if you have a lot of experience and you want to bring attention to a few relevant accomplishments, you could add a summary section. If you have technical qualifications, you may want to change your skills heading to something like core qualifications. On e of the best ways to make the most of your job-hunting time is to use our step-by-step resume builder to create a personalized resume.2. Whats the best way to list certifications on your director of engineering resume?If you have professional licenses and training in addition to your traditional education, you could add a certifications heading or include these details in your qualifications section, like the director of engineering resume sample does. If you decide to list training in its own section, keep it reverse chronological, like your experience section.3. How do you list education on a director of engineering resume?In a supervisory position such as director of engineering, education is an important part of your resume. Stick with tradition and add your education section to the end of your document, as the director of engineering resume sample shows. Include the type of degree you received and your major along with the name, city, and state of the university. If your degre e is more than 15 years old, omit your graduation date. You can also skip mentioning your GPA, but do state if you graduated with honors.4. How do you list references on a director of engineering resume?Listing your references is no longer necessary, as you can see from the director of engineering resume sample. You also dont need to state that your references are available upon request, because prospective employers assume this is the case and saying so only wastes precious space on your resume.Even though you shouldnt list references on your resume, you should mucksmuschenstill keep this information in a separate document that you can give to the interviewer on request. Remember to ask permission before using someone as a reference, and notify your references when you are applying for jobs to minimize the surprise when your future employer contacts them.5. What should you do to make sure your director of engineering resume makes it past an ATS?Many companies now use automated appl icant tracking systems (ATS) that look for keywords to help narrow down job candidates before a human ever looks through the submitted application documents. To boost your chances of getting through these automated systems and getting your resume read by a real person, remember to use keywords from the job description in your resume. Sticking to a traditional format, like the one in the director of engineering resume sample, and uploading your document as a rich text file instead of a pdf may also help the ATS make sense of your information.

Sample Resume for Global Sourcing Manager Job Position

Sample Resume for Global Sourcing Manager Job PositionSample Resume for Global Sourcing Manager Job PositionConsumers demand quality and speed when purchasing their goods. This is where a skillumineszenzdiode global sourcing manager comes into play, working behind the scenes while keeping an eye on the companys bottom line. Logistics positions are expected to grow over the next decade, according to O*NET OnLine. Updating your resume can help you position yourself to make the most difference for unterstellung businesses.Companies need to know their consumers will be well cared for. Highlight your abilities to source, price, and move goods into supply chains. In addition to degrees and certifications, let the employer know which types of operating systems youre familiar with, administrative roles youve held, and any languages you speak.Make your first impression stick by utilizing the global sourcing manager resume template below and highlighting your skills. Create this Resume Calvin Berger4914 Valley LaneAustin, TX 78701(555)-588-3154c.bergertmail.comObjectiveTo manage the sourcing process from the vendor selections through product delivery as a Global Sourcing Manager for a well established manufacturing company. Summary of QualificationsSolid knowledge of technical requirements related of testing of fabric, trims, and garmentsWorking knowledge of manufacturing and costingStrong computer skills, MS Office Applications, email and production tracking software (Gerber or PDS)Knowledge and experience in lean manufacturing techniques and pull systemsBasic knowledge of ERP systems and the associated e-business toolsProfessional ExperienceSenior Global Sourcing Manager, January 2007- PresentChicos FAS, Fort Myers, FL ResponsibilitiesManaged the development and maintenance of relationship with vendors and mills. Led and spearheaded the negotiation and final price confirmation, garments details, factory allocation, and delivery. Collaborated and worked with director o f sourcing to build long term vendor partnerships and alliances. Drove all pre-costing activities and led the negotiations with mills. Oversaw fabric and production capacity reservations and liabilities.Sourcing Manager, May 2004- December 2006Electro-Motive, La Grange, IL ResponsibilitiesDirected and led the personnel and activities of the strategic supply management operations. Assisted and helped the director of supply chain management strategy. Directed and led the category management activities and ensured alignment with strategy. Led the supplier management and relations, standardization, and process improvements.Ensured and guaranteed the strategic development and effective implementation of supply chain initiatives. EducationMasters Degree in International Business, 2004Yale UniversityBachelors Degree in International Business, 2002Yale University Customize ResumeMore Sample ResumesGeotechnical Engineer Resume Glazier Resume Global Sourcing Manager Resume Golf Course Superin tendent Resume Guest Relations Resume

How to Choose Resume Projects Section Example

How to Choose Resume Projects Section Example Its possible to add the overview of technical skills in your CV to offer clear idea about your present skills. Job Experience apparently, job experience is just one of the majority of useful approaches to demonstrate an employer that you have what it takes. By way of example, You can improve how you position not only your small business analysis skills, but in plus-rechnen your soft abilities, by identifying how you impacted the undertaking. Include details like the sort of organizational systems you implemented in a prior job. Many project managers work in the very same industries their whole professional lives. If youre searching for a rewarding career for a project manager, you will need a project manager resume that provides potential employers with an extensive breakdown of your skills, expertise, and experience. You really need to find out more about the job and company (starting with the work description) and set the abil ities and keywords THEY mention. Regardless of what you do, make sure to not just explain what the project was about, but in addition show what the effect of your work has been. A project manager is a crucial portion of the infrastructure of any corporation. The timeline also enabled me to think small. The piece you truly need the hiring manager reading is your latest work experience (and be sure you tailored that info to fit the work description). The educational requirements for project managers vary based on the business. In the majority of instances, employers reviewing your qualifications arent going to know you. In the modern engineering industry, they are looking for candidates who think beyond their own education and experiences. The Unusual Secret of Resume Projects Section Example For instance, if you are asking for a job for a teachers assistant, describe your volunteer tutor experience. Its particularly important if writing your work experience. Volunteer Expe rience Volunteer experience can really be a critical addition to a resume. If you dont have enough previous experience for a particular job youre seeking for, its important to emphasize your skills pertaining to that job. Prioritize the unique resume sections you decide to add. The resumes layout is going to be dependent on the placement and fashion of its sections and headers. The reoccurring yellow in each and every section produces a feeling of consistency and feeling of a theme. Looking at other possible sections you may include in your resume, a Publications section may be an intriguing add-on. If on the flip side, it is a real-life project, then you may want to create another section for it in your resume. You may also be worried you dont have sufficient substantial material to fill up a page. The resume file is going to be parsed from the front of the chain to the end, and stop at the first available input reader that may process the file. So remember to conserve a copy of each new target you make. Your code doesnt have to be iverstndigung im strafverfahren. The formatting is going to be a bit different. The Nuiances of Resume Projects Section Example However you decide to organize your project list, stick to the exact same rules throughout the document. The direction you organize the info on your resume is nearly as critical as the resume itself. A simple comma-separated list is going to do. What to put in your project list Beyond the fundamental details (project title, client, place, value) include more information to inform the entire story of that initiative. Resume Projects Section Example Can Be Fun for Everyone For instance, if youre applying to an academic position, place your coursework in a spot of pride toward the peak of your resume. However tempting it may be to stretch the truth, lying on your resume is always a poor idea. Using a high res image may be the start of attracting the audience. There is frequently a good d eal of debate about what should and shouldnt be included in an individuals resume. Revamping your resume in front of a work search is almost always a good idea. Not your whole story (no employer wishes to know EVERYTHING there is to learn about you), but instead the pieces of your story that matter most to them as the are attempting to figure out whether youre an excellent candidate. By starting each sentence in the same style, youre making it considerably simpler for the prospective employer to scan your resume and receive the most important details.

The Foolproof Resume Writing Posters Strategy

The Foolproof Resume Writing Posters Strategy A professional resume sample is a significant document for all of the job seekers on the market now. Most importantly, the title ought to be short and comprehensible to a wide audience. All post high school education needs to be listed with the writing format very similar to the prior section. Quite simply, your poster hasnt been endorsed, just accepted. Lies Youve Been Told About Resume Writing Posters You should make yourself look like the ideal job candidate, and should you do that successfully, youll have the ability to land the job of your dreams. There are a lot of standard kinds of resumes you may use to submit an application for job openings. If youre planning to compose a resume as you want to know more about work, its important and necessary to know first what makes up a resume. When you submit an application for a job there are a number of other candidates who desire to find the exact job and submit resume for the exa ct same. The New Fuss About Resume Writing Posters Marketing is among the most diverse professional industries in existence and many companies rarely just seek the services of a marketer. Nontraditional resumes are perfect for men and women in creative fields, who would like to demonstrate their capacity to create visually engaging designs or to make web pages. geschftsleben is always prepared to compose an affordable help businesses. Each work listing ought to have a similarly written description. Your description ought to be short, precise, and simple to read. Use the checklist to make certain you have included all appropriate data in your resume. At the peak of the resume is a list of someones skills and qualifications. Resume writing formats consist of whole collection of categories of profession to opt for the most suitable format. You use a resume template if you wish to accelerate the practice of resume writing. You may also Book Writing Template. Directly copyi ng a CV template isnt always the ideal solution as it isnt always tailored to the demands of the candidate. Resume writing samples provided will offer you a peek into the type of resume you desire to have according to your profession. The education section of your resume is the ideal place to display your academic credentials. Your resume should be formatted in an easy, professional way. Resume writing templates are segregated into various types based on the profession and achievements of an individual.

Driver Resume Fundamentals Explained

Driver Resume Fundamentals Explained Youre able to craft your resume in a manner that most highlights your qualifications. Theres a remarkable guide here on how best to earn an expert LinkedIn profile. Keeping an eye on your applications and sent resumes will let you follow up at the perfect times. Its possible to find only outlines of resumes or already made resumes which may serve you as a model, irrespective of the sort of job that you need and the field in which youre specialized. If you are looking for a driver position, then youll need to construct a compelling resume as its a vital part of your job application practice. Use the ideas shared above to create excellent resumes and youll be way up to landing the shipping driver job that you want. It is crucial to customize your truck driver resume to the specific job which youre applying to, listing your most relevant qualifications close to the top so theyll be easily found. Your truck driver resume must abflug with a pr oactive career objective at which you can slightly touch on your major abilities or expertise to show your competency from the start. Introducing Driver Resume Moreover, if your van or truck is over a specific dimensions, you will have to be certified to drive it. When it has to do with a truck driver resume, there isnt any need to bring a photo. To begin with, youve got to identify whether youre a heavy truck or a tractor-trailer driver and its necessary for you to have the necessary commercial drivers license to choose it, otherwise, a valid license driver will be sufficient. Normally, theres mora to being a shipping driver than simply driving a van for delivering items. Furthermore, you can find out more about transportation careers on Monster. To steer your path to the very best truck driver jobs, it can help to have a complete and customized resume. Driving an industrial truck calls for a distinctive license and training because the method is more complex than driving a conventional passenger vehicle or cargo van. New commercial drivers might be paired with a skilled employee to finish the on-the-job training. Delivery Drivers transport from one spot to another while making sure safety standards are satisfied in any respect times. Although you could qualify for a state-issued CDL at age 18, youre want to be 21 for long-haul, interstate routes. The Ugly Secret of Driver Resume A good deal of development was obligated to progress the hybrid system. For an even more comprehensive study, you might always get to understand the organization from a person who already works there. You may also decide to do a blend of those. The majority of the examples of resume you will discover on the internet are highly professional and will be able to help you build your resume in a limited time, in a skilled and appealing way. Regardless of the sort of material being transported, delivery drivers must have the ability to deal with cargo responsibility and deli ver their loads in time. No matter the subject of interest, there are a couple of significant sections that ought to be included in your driver resume. While much of the essential driving may be for brief distances, you can spend long hours behind the wheel, resulting in fatigue. You should remain composed in any way times even when you are fatigued from the very long drive and keep focused on arriving at a resolution. The shipping driver is typically a very important member of the supply chain team. Youre able to employ your education section as the ideal proof. Take into consideration the simple fact that the employers might have to read even hundreds of resumes and pick only 1 person and make yours a special paper. Attempt to call out special circumstances where you could address and resolve problems to employer and client satisfaction. Introducing Driver Resume Our resume builder provides you with tips and examples on how best to compose your resume summary. For you to be in a position to have a notion of how you are able to proceed to construct your Resume Templates, you may use a sample forklift resume as a guide. Templates might be terrific guideline, and a great way to assist you in getting your information into fighting shape, but when it has to do with structuring your resume, make certain its conveying what you would like it to say, and that its featuring the information which shows you in the finest possible light. A driver resume has to get a summary in the first place. If you would like to demonstrate how much experience youve got, be certain to use the chronological format. Once you have made the list, youll need to settle on a format and write your resume. To begin with, youve got to decide on a resume format that will make it possible for you to present your work in an easily accessible method.

5 financial concerns that need to be addressed before marriage

5 financial concerns that need to be addressed before marriage5 financial concerns that need to be addressed before marriageFinancial illiteracy has been quickly growing amongst younger generations ever since the great recession. Even equipped with the full availability of years worth of MarketWatch reports, Nation Financial Capability studies and all of the exhaustive meditations peppered in between, the reasoning is segmented across several theories, with no single one appearing mora material than the others. The consequences, however, can be measured much more precisely.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreBecause many retail investors do elend properly understand compound interest and inflation, the economy suffers a $10 billion loss a year. Because back in 2009, 41% of U.S. adults (92 million people) rated themselves a grade of C, D, or F on their knowledge of personal finance, delinquent consumer debt has since risen to $1.3 trillion dollars. Many experts believe (though less is sure of why) that Americans have decided to exclude finance from virtually every context academics, politics, and even in the service of strengthening their romantic partnerships.Till debt do us partThe last bit is the great white whale of a new Northwestern Mutual report. The authors write, The core of the idea is that you may have had a conversation about everything from dog or cat, to where you will honeymoon, and the two-point five kids youll have but if you arent speaking the same language around money and what your goals are for your financial future, how lasting will that happiness truly be? Its not enough to be Soulmates, if you arent Moneymates as well.Before youve committed to the notion of talking money with your partner, you have to be intimately familiar with your own stelle on the matter. Finances are an easy thing to lose track of when courtship is at the forefront . Do you want kids and a white picket fence someday? is a much huskier way to ask Whats your credit score? And How do you plan on hacking your student loans away? But the more direct the better it seems.Eighty percent of the participants reviewed in the Northwestern Mutual report, had preexisting or combined debt before they decided to tie the knot and only one in four were truly debt-free. Down the line, money woes proved to be more harrowing than how to raise the children and even frequency of playtime in the boudoir. The irony is the number of respondents that feel financial security to be an imperative feature of a healthy and long-lasting romantic partnership and the number of people that reported habitually talking about finances with their partners, are similarly halved. About 50% of respondents talk about money concerns with their others weekly, and less than 7% do so daily, which might be excessive anyway.There are financial priorities that seem to either shift or get promo ted when marriage becomes a serious consideration. The greater portion of respondents that were engaged during the time of the survey indexed finding a home, paying down student loan debt, and putting aside money for an emergency fund as the top three markers that need to be addressed before they step one foot on the aisle.Financially prioritizingThe authors behind the survey implore young newlyweds to extend the items on their dockets just a little more. Seventy-five percent admitted they didnt take vacations or hobbies into account when budgeting, a similar margin said the same about retirement. The authors add,The majority of engaged and married couples (67%) refer to themselves as beginner/entry-level planners, meaning theyve taken some steps to develop a plan, but without the help of a financial advisor. In fact, less than 20% of engaged and married couples have met with a financial planner (16%), yet 50% desire financial overall financial security.Financial road bumps are boun d to adulterate the aisle at some point or another, but they can only be detrimental if all parties pretend not to see them. Sixty percent of respondents said that they are honest with their partner about their fiscal shortcomings, while one in five confessed to concealing purchases and the depth of their debt in the last year alone. One in five may not sound like a lot, so I should add the study pool was comprised of 300 thousand participants, 45% of which claim to get overwhelmed with anxiety at the prospect of talking finances with their spouse.While everyone knows that being on the same page financially is critical to a happy, long-lasting marriage, and when they are not, it can be a source of friction down the road. Getting on the same page about the life couples want is an important step in the journey downthe aisle and into the future, and Northwestern Mutual can help make couples shared dreams a reality - from the first anniversary to the 50th, the authors wrote.

Why we think about failure the wrong way

Why we think about failure the wrong wayWhy we think about failure the wrong wayThink back on the failures youve had in your life.If youre like most people, youll picture the bad outcomes- the business that never took off, the penalty kick you missed, or the job interview you bombed.Poker players, as Annie Duke explains inThinking in Bets, refer to this tendency to equate the quality of a decision with the quality of its outcome as resulting.But, as Duke argues, the quality of the input isnt the same as the quality of the output.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moraIts possible for good decisions to lead to bad outcomes. In conditions of uncertainty, outcomes arent completely within your control.An unlucky draw can screw up a perfectly played poker hand. A strong wind can misdirect a beautifully shot soccer ball. A hostile judge or jury can derail a great case.If we engage in resulti ng, we reward bad decisions that lead to good outcomes. Conversely, we change good decisions merely because they produced a bad outcome.We start shaking things up, reorganizing departments, or firing or demoting people. Asone studyshows, National Football League (NFL) coaches change their lineup after a 1-point loss, but dont change it after a 1-point win- even though the difference between the two is negligible.In our own lives, most of us act like American football coaches, treating success and failure as binary outcomes. But we dont live in a binary world.The same decision that produced a failure in one scenario can lead to triumph in others. Failure hovers uncomfortably close to greatness, wrote Paul Watson, the co-discoverer of DNAs double-helix structure.For the vast majority of my life, I ignored the advice Im shelling out here. After a mistake in ablog post, a botched question in apodcast interview, or a slip-up during aspeaking engagement, I would beat myself up.My inner cr itic would roar to life whispering such pleasantries asYoure a failureorYou should have spent more time preparing for that talk.Over time, I learned to pivot from the outputs to the inputs (Im still a work-in-progress). When I fail at something, I first ask myself, What wentwrongwith this failure? If the decisions I made need fixing, I fix them.But I also ask What wentrightwith this failure? I retain the good-quality decisions, even if they produced a failure.Failure has a way of distorting our vision. You often have to take the lenses off- by pivoting your focus from the seemingly awful outcome to the inputs- in order to see clearly.This article first appeared on Ozanvarol.com .You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEO s10 habits of mentally strong people