Resume Templates - The 2019 Guide to Choosing the Best Resume Template

Resume schablones - The 2019 Guide to Choosing the Best Resume vorlageResume Templates - The 2019 Guide to Choosing the Best Resume TemplateAn eye-catching resume vorlage is the first thing you need the moment you decide to work on your resume.Simply put, a resume schablone includes the formatting on the page which you use to arrange all the different sections in your resume.Our guide on Resume Templates will contain free resume vorlages which you can use immediately, in addition to creative resume schablone, simple (basic) resume schablone, modern resume vorlage, professional resume template, resume templates for entry-level professionals, etc.You can directly go to our famed resume builder for trying out all unterstellung templates, and more We provide a multitude of different konzeptions which you can additionally customize as per your own requirements. Who knew making a resume was funAdditionally, our resume builder allows you to download resume templates into pdf - which means t hat the entwurf aspect is taken care of so you can focus exclusively on the content.In this article, well broadly discuss the followingSingle-column Double-column Resume TemplatesBroadly speaking, a resume template can be eitherSingle-column A standard resume template that can cater to diverse professionals, this resume template includes all your sections arranged in a single-column format. For people with extensive professional experience, this resume template can suffice since it allows greater space.Double-column For entry-level professionals or resumes for internships, youd be better suited with a double-column resume. This resume template becomes even more relevant when the professional experience is minimal but there are additional sections pertaining to Extra-curricular activities, Internships, Training, Languages, etc.Lets take it a step further and discuss the various kinds of resume templates.Types of Resume TemplatesThe following can be the different kinds of resume temp lates as per the industry norms prevalent in 2019.Simple Resume Templates (FREE)These simple resume templates come with a compact design and even the most traditional ATS can parse them.These templates employ very little colours (mostly grayscale) and are suitable for jobs across wildly divergent industries, from internship vacancies to the government sector.The best part is that theyre completely free on our Resume Builder Check it outSimple Black Resume TemplateThe Simple Black Template is a part of Simple Resume Templates and uses only shades of gray across the entire template.Its ideal for professionals who are looking for a no-nonsense resume with minimal formatting, icons or images.Free Resume TemplatesThis resume template is specifically designed for people who want an ATS-optimized, high-quality resume but cannot afford to pay for the same.Its ideal for students who can use this template to create a job-winning resume Itll only take a few minutes and youre done Check it out here.Royal BlueFree You can create your resume on this template for free and have the option of downloading it unlimited number of times.Structure The sections in this template are available in a single-column format for you to edit. The sections are - Professional Summary, Key Skills, Professional Experience, Education, Internships and MiscellaneousDesign This resume template employs a 3-color scheme with a professional shade of blue for the main header and sectional headings. It uses white color in the Resume header and gray for the descriptive text of the document.Typography Open Sans with just the right amount of white spaces to make even content-heavy resumes easy to read.Basic Resume TemplatesIts easy to scan for all the information on a basic resume template. They are ATS-friendly and are designed in a way which emphasises upon content over anything else.The only difference between basic resume templates simple resume templates is that the former uses a few colors to highlig ht important keywords and headings.Its more suited to modern industries and can be used by students entry-level professionals who are trying to figure out a way to highlight their achievements.Additionally, this template provides an option to use both single-column and double-column formats.weltumspannend Citizen RedIts key features arePremium The Global Citizen Red Resume Template is a premium template on Hirations Resume Builder.Structure With a resume-wide header containing the name, job title and contact details, the left column of this double-column resume occupyies one-third of the width. This allows a user to highligh multiple aspects of the resume in addition to professional experience. You can use this template if you want to showcase numerous key things across multiple domains.Design Both the primary color and background color for this resume template is red, which is also used in the resume body to highlight headings and sub-headings. Additionally, headings have been und erlined to make the beginning of each section more prominent to the reader.Typography Open Sans and high-line spacing makes the text easy to read.You can find the Global Citizen Red Basic Resume Template here and get started with making your resume within secondsGlobal Citizen GreenThe features arePremium The Global Citizen Green Resume Template is a premium template on Hirations Resume Builder.Structure The structure is similar to the Global Citizen Red template, with the exception of the primary color, which is green in this case.Design The background and primary color of this resume template uses green, along with the resume body for highlighting headings sub-headings. The underlined headings make the section beginnings more prominent.Typography Open Sans along with a high line spacing has been employed to make the text easy to read.You can find this template on our resume builder here.verfallen Resume TemplatesModern Resume Templates have been designed for todays professionals who excel in up-and-coming industries and need to pay equal attention to both design content.Professionals across domains like Software Development, Analytics, digital marketing, product/project management, etc. can use our modern resume templates to completely revamp their resumes.These templates will highly increase your chances of getting shortlisted. Modern templates work best for both ATS and human recruiters alike.Some of the most popular modern resume templates on our online resume builder areCalifornia DesignThe California resume template is one of our best sellers in the Modern Resume Templates pack.It employs a gradient scheme between orange and pink colors to give your resume the modern look it deserves. Moreover, you have an option to change the primary and secondary colors as per your preferences.The California resume template has an image and gradient backgrounds and borders to give your resume a clean and modern look.Check out this template on our resume builder to r evamp your resume within minutesDiamond TimelineThe Diamond Timeline resume template showcases the resume in the form of a timeline with diamond shaped milestones. Revamp your resume right nowCheck out this template on our resume builder to access it within minutesBoxed NavyThe Boxed Navy Resume template utilizes boxes to separate the sections on your resume. Theres also a provision for incorporating an image to your resume to add a etwas of that modern look.Check out this resume template on our resume builder to get done with your resume before you can even blinkModern TealThis resume template provides a very modern look to your resume by employing a blend of colors such as teal and shades of grey. It is a two column template with a special bar highlighting the professional title in the resume.Check out this resume template on our resume builder to revamp your resume nowSignature TimelineThe signature timeline resume template depicts your entire resume with a visual timeline. Mor eover, it has icons and images which give a modern yet professional look to your resume.Check out this resume template on our resume builder to add a winzigkeit of madness to your resumeRound TimelineThis resume template depicts a timeline with your actual accomplishments as various milestones on the timeline. It is certainly a novel way to get noticed and presents a clear professional picture to recruiters and hiring managers in a visual manner.Check out this resume template on our resume builder nowProfessional Resume TemplatesOur Professional Resume Templates have been designed with a focus to bring out your achievements in front of the recruiter.Iconography and other design elements have been used in a very minimalistic manner, whereas the colors are restricted to 2 in order to add a more professional look.The best thing about these Professional Resume Templates is that they are suitable for all professionals across all industries, as they are designed on the basis of industry standards used over the years.Additionally, recruiters are quite familiar with these templates and even the Applicant Tracking Systems are able to parse all resumes prepared in these templates effectively.Some of our popular Professional Resume Templates areTraditional BlueA single-column resume template and a best seller in the Professional Resume Templates pack, this template is suitable for mid-senior level professionals with a lot of information in their resume.While the primary color of the template is blue, you can go ahead and customize the same by choosing primary/secondary colors of your choice.Key features of this template arePremium Template The Traditional Blue template is one of the highest rated templates on Hirations Resume Builder. This template is highly ATS compliant and also receives an amazing response from human recruiters. No wonder its one of our best sellersStructure This resume template has been created for professionals who have a lot to present in terms o f their experience and achievements. Hence, it is ingle-column template which can carry a lot of text and information.This template is ideal for mid-senior level executives who need that extra bit of professionalism in their resume, without compromising the look and feel of modern resume templates.Design As the name suggests, the template plays on very professional and sober shades of blue, with different versions being used to highlight various aspects such as headings, name, designations, titles, etc. A darker shade of gray has been used for the descriptive text of the document.Typography Since this template is for professionals with a lot of valuable content to write, the use of white spacing has been done very cleverly to give a spacious feel to the resume.The great thing is that youll be able to write all your content in the resume, without cramping it The text/line spacing option allows you to uniformly increase or decrease the margins across the entire document. Formatting a resume will be a breezeYou can check out this template on our resume builder here.Traditional MaroonIdeal for professionals in traditional industries in mid-senior levels, its a single column template which has consistently delivered stupendous results for its users.Similar to Traditional Blue with the exception of the primary color, the key features of this template arePremium An analogue of the traditional blue template, with the primary color being maroon. This template performs extremely well with all Applicant Tracking Systems and is a Hiration Best SellerStructure A single column template, this has solid maroon lines as separators for different sections and is able to carry a lot of text. This resume template will present your resume as a highly professional document in front of the recruiters.Senior professionals from traditional industries like Sales, Marketing and Operations can use this template to really bring out their achievements.Design This resume template primarily u ses maroon and its lighter shades to provide a highly professional resume. A darker shade of gray has been used for the descriptive text of the document.Typography The typography has been set to include ample white space in the resume to facilitate readability for the recruiter. The headings specifically become the highlight of this resume and help you to convey specific messages to the recruiters.The font of choice is Open Sans, but you have the option to only change the font and primary color, but also uniformly increase/decrease margin across the document.Check out this resume template hereUniform BrownThis resume template is a double-column template with uniform width. It is appropriate for fresh graduates or early-mid level professionals who want to highlight their overall achievements in addition to their professional experience.Key features of this template arePremium The Uniform Brown Template is a premium template on Hirations Resume Builder.Structure This resume template i s a 2-column template with each column occupying equal width in the document. Consequently, its highly suitable for early to mid level professionals who have as much experience to show for in their jobs as they have in other aspects of their life.Each column can accomodate a lot of information- Professional Experience, Internships, Education, Key Skills, Summary, etc.Design The Brown color and the dotted borders and separator are the highlight of this resume. This gives the resume a very contemporary feel while keeping the document highly professional.Typography Everything in this template, ranging from the header to the summary and the resume body itself, has a uniform spacing and look. Icons have been used in various places to highlight dates and contact information.Check it out if you wish to use this template for your own resumeProfessional BlueA 2-column resume template with complementary colors in each column, this will go a long way if you want to impress the recruiter by sen ding a digital copy. And as with all of our templates, this is also ATS compliant.Key features of this template arePremium The Professional Blue Template is a premium template on Hirations Resume Builder.Structure This resume template is a 2-column template, with one column occupying roughly one-third of the resume width on the left and the other occupying two-thirds. The left column highlights the smaller resume sections such as key skills, summary, small projects and additional information.This provides an opportunity to highlight multiple things apart from your professional experience. This resume template should be used by anyone who wants to exhibit multiple facets of their career on their resume.Design The left column of this resume template is a darker shade of blue with the overlaying text in white. The exact complementary arrangement has been used in the right column. Dashed separators have been used in time-dependent sections (Education, Professional Experience, etc.) to s eparate sub-sections.Typography Open Sans has been used along with a uniform line spacing to provide a highly professional look to the document.To build your resume using this template, check it outMaterial ColorThis single-column template uses the blue from Googles Material color theme. It has a signature section in the resume header which you can sign with your initials The template also has ample white spaces to ensure easy readability.Key features of this template arePremium The Material Color Template is a premium template on Hirations Resume Builder.Structure A single column resume template with a ton of contemporary features to provide a professional as well as modern look, it also carries a resume signature in the header, which you can use to sign the resume with your initials.The inter-section spacing is a bit high to enhance the readability of the document. Bars in the resume header and footer give it a signature look, and the focus on headings is sure to get you noticedTh is resume template is for somebody who is struggling to find content in their resume - a fresh graduate, entry level professional, an experienced professional entering a new industry, etc.Design A contemporary blue from Googles Material template is used for the resume headings. The sub-headings in the dated resume sections are arranged in two lines with the company and dates in the first line and the designation and location in the second line. This professional template is aesthetically pleasing and is ATS compliant.Typography Open Sans along with a high line spacing has been employed to make the text easy to read.Check it out if you want your resume in this templateProfessional BlackThis 2-column Professional black template allows you to deliver a stellar resume. Its ideal for professionals who want to balance their professional experience with complementary information without cluttering their resume too much.Key features of this template arePremium The Professional Black Templat e is one of our oldest and most trusted templates. It is a premium template on our Resume Builder - check it out and youll find out whyStructure This 2-column resume template allows you to highlight multiple aspects of your resume. The dated sections such as Professional Experience and Education are present on the right, and are wider. The miscellaneous sections along with the Summary and Key Skills sections are in the smaller, left column which helps you highlight multiple aspects of your resume at the same time.Design This resume design comprises various shades of gray including black and white to clearly highlight different parts of your resume. Moreover, the use of dashed borders has been done to highlight intra-section separationTypography Only a single font, i.e. Open Sans has been used in the resume with just the right amount of white spaces to make even content-heavy resumes easy to read.Check it out here You wont regret itCreative Resume TemplatesThe Creative Resume Templat es pack is a set of amazing resume templates that you can use to jazz up your resume. They carry a variety of graphical and other novel elements to make your resume stand out from the competition.Our gruppe has conducted in-depth research to incorporate timelines, icons and colors into these templates to ensure that any recruiter looking at a resume in one of these templates, is sure to continue reading it.Some of our popular Creative Resume Templates areGradient GreenThis template employs gradient color scheme to help you deliver an outstanding resume. Every recruiter will read your resume if this is in their inbox. Get ready to receive a lot of interview callsTrendy DesignThis resume templates, loaded with all modern design elements such as icons, vibrant colors and section borders, is sure to get you noticed by Hiring Managers and recruiters.The Trendy Design Resume Template employs various design aspects such as intensive use of Icons and colors to deliver the resume that will m ake you stand out from the rest.New YorkJust like New York, this resume template has everything - your image, icons, boxes to separate sections and a highly professional color theme.The New York Resume Template is a single column template that makes use of boxes to separate sections. It is the perfect combination of creativity and professionalism.Want to see your name on this template? Check it out hereOrange TwistThis resume template might come in handy if youre applying to a position that requires you to differentiate from the crowd. This uses a bold color with prominent design elements to make sure that you stand out from the competition.The Orange Twist resume template from the Creative Resume Templates pack uses a bright color along with other unique design elements.Build your resume using this templateKey TakeawaysCant figure out which one would be the best resume template for someone with your professional experience?Dont worry Hirations Resume Builder allows you to try out m ultiple designs while retaining the content in its entirety. Why wrack your brains to zero in on one template when can try out all our designs and see the final outcome for yourself?Do remember to go through the industry requirements and specific clauses around your target profile (youll find them in the relevant Job Description) before zeroing in on a resume template.Still have more doubts around resume templates or resume writing? Give us a shout out in the comments and our Resume Experts will come to your aid within 24 hours

Mobile Pet Grooming Business

Mobile Pet Grooming BusinessMobile Pet Grooming BusinessMobile pet grooming is a companion animal service sector that is rapidly growing for a host of reasons. As people lead very hectic lives and there are more older pet owners than ever who are less mobile themselves, more folks now seek convenience and ease in caring for their pets. This is also potentially a better option for pets that get stressed when traveling by car, are anxious or aggressive in the presence of other pets, or are elderly and less able to get around. Even better, a pet doesnt have to sit in a cage for hours they are in and out, as they are serviced right at the clients doorsteps. Advantages of Owning a Mobile Pet Grooming Business Among the advantages of owning a mobile grooming geschftlicher umgang as opposed to operating out of a brick-and-mortar location is that you dont have to pay rent or property taxes or utility costs. Your hours are more flexible. You can justify charging more for yourservices, and your vehicle can be a virtual rolling advertisement for your business. How to Get Started in Your Own Business Get experience. Beforelaunching any type of business, its best to actually work in the industry and acquire enough experience and training to build your skills and confidence. You can go about this in a number of ways, from apprenticeships with established groomers to working for another groomer and/or formal training that leads to certification. This process gives you several advantagesYou already understand the pros, cons, challenges, and opportunities that are part of the industry you have contacts and rckendeckung among people in the industry you start your business with a strong positive reputation and credentials (especially if you choose to earn a certification). Determine mobile pet grooming business licensing and insurance requirements. First, find out what kind of business licenses, permits, and insurance you need for your particular region. Check with your c ity, town, or county government offices to learn what is required. Another good resource is the local chamber of commerce. In addition to specific liability and other required insurance, you have to consider vehicle insurance. If you can, consult with a business attorney before launching any endeavor. Determine the cost of the equipment you will need.Becoming a mobile pet groomer can be pricey. In fact, once you look at the costs, you may decide to wait until you have more money in the bank. The Tools Youll Need A vehicleDepending on what kind of startup capital you have, a mobile grooming vehicle can range in price from $10,000 to $100,000. Lower-priced options include vans and hitch-on trailers, the latter of which are less expensive. If you have the money, you can also purchase an already fully equipped and outfitted pet grooming van. If you decide to go the latter route, one company to consider is WagnTails, a market leader based in Granger, Indiana. This company, which has clients in 43 states, provides business consulting services for those who wish to enter the mobile grooming industry. Grooming tools and equipment While you will need the usual tools of the trade required for a brick-and-mortar pet grooming operation- such as clippers, shears, brushes, shampoos, combs, sink, grooming table, dryers, and more- some other equipment is involved that is unique to running a mobile operationA power generator (battery operated is the current preferred choice)Water tankLiquid and solid waste containersAdequate lightingWater heaterPower connections Important Business Requirements In addition to being good with animals and capable of buying and managing your equipment, youll need to keep the following issues in mind A mobile grooming vehicle must haveproper flooring and ventilation and be kept sparkling clean and sanitary at all times.All waste must be disposed of in compliance with municipal and environmental ordinances and regulations.Like any motor vehi cle, your grooming operation will require ongoing general maintenance, such as regular oil changes, proper tire inflation, and other forms of preventative upkeep.Inclement weather is always a possibility, so you need to prepare your vehicle accordingly, as an out-of-service vehicle can grind your operation to a halt. Create a Business Plan Most communities have programs designed to help entrepreneurs create a successful business plan. Without such a plan, its easy to overspend and wind up with bills rather than a thriving business. Business plans include Sources of funding Where will you find capital (money to invest in equipment) before you even start your business? Some common funding sources include savings, family loans, bank loans, and credit cards (though credit cards should be last on your list).Expenditures What will it cost you to get up and running with the equipment and licenses you need? What will your weekly costs be for equipment, supplies, gas, etc.? What will yo u budget for advertising and promotion? What are the costs of insurance for yourself and your vehicle? Income What will you be able to charge for your work? Based on that information, you can make an educated guess about how much youll be able to earn as you get started and then build your business. Luckily, pet groomers get lots of repeat business, so once you have customers who like your work, you should have a stable income. Some Other Tips to Help You Get Rolling Be sure to choose a catchy business name and logo, which should be displayed largely, colorfully, and prominently on your vehicle. Your vehicle is a virtual rolling advertisement for your business, which puts you at an advantage. Dont forget to use both conventional and currently popular ways of advertising and promoting your business through print ads in local community publications, social media, and internet business listing sites.Of course, you absolutely should have a professional-looking website. If you follow these tips, you should be on the road to success in no time, as mobile pet grooming is a sector that is still growing.

How Aretha Franklin shows us how to make projects our own

How Aretha Franklin shows us how to make projects our ownHow Aretha Franklin shows us how to make projects our ownAretha Franklin, the great American singer who became a defining voice of the 20th century and the acclaimed Queen of Soul, died at zu sichbei home in motor city on Thursday from pancreatic cancer, her publicist said. She welches 76.We have been deeply touched by the incredible outpouring of love and support we have received from close friends, supporters and fans all around the world. Thank you for your compassion and prayers. We have felt your love for Aretha and it brings us comfort to know that her legacy will live on, Franklins family said in a statement.A preachers daughter, Franklin began her career as a teenager in the 1950s, and her inimitable voice allowed her to hop between gospel, RB, classical and jazz genres with grace. She went on to win 18 Grammy Awards, sell more than 75 million records in her life, and become one of the best-selling selling artists of al l time. But out of all the songs she recorded, Respect, her demand for dignity, became her signature song that is still played in living rooms and at political protests today. The story of how Franklin took a song originally written and released by Otis Redding and made it her own can be career inspiration for us all.How Franklin made Respect her ownIn Reddings version, Respect is about a man pleading with a woman to give him respect in exchange for what he can provide for her. Redding sang Hey little girl, youre sweeter than honey / And Im about to give you all of my money / But all I want you to do / Is just give it, give it / Respect when I come home When Franklin recorded Respect on Valentines Day in 1967, she kept most of the original lyrics but transformed the meaning of the song with the addition of a bridge and the call-and-response of her sisters. Under Franklins version, Respect became more than a domestic dispute. It became an empowering feminist anthem for women to be t reated equally at home and at work.Oooh, your kisses, Franklin sang, Sweeter than honey / And guess what? / So is my money. In her most memorable addition, Franklin spelled out her demand for parity for emphasis in the bridgeR-E-S-P-E-C-T/ Find out what it means to me /R-E-S-P-E-C-T / Take care, TCB take of business.When Franklins version hit the airwaves, it became a massive hit, spending two weeks as the No. 1 song in America in 1967. It became a rallying cry for womens rights and the civil rights movement. Today, it has been referenced and sampled in dozens of feature films. We all want R-E-S-P-E-C-T. I think that hook line is something we all relate to, Franklin told the Detroit Free Press. Its something we all appreciate and expect.It ranks No. 4 on Songs of the Century,a 1999 project by the National Endowment for the Arts. Respect is now remembered for being Franklins more than Reddings. Even Redding acknowledges this. When he played it himself at the 1967 Monterey Pop Festiva l, he said, This next song is a song that a girl took away from me

Promissory Note FAQ - Australia

Promissory musiknote FAQ - AustraliaPromissory Note FAQ - AustraliaDefinitionsWho is the Borrower?The Borrower is the person or corporation that receives value (money, property or some service) from the Lender on the condition that the Borrower will pay the principal amount plus any interest to the Lender at sometime in the future.Who is the Lender?The Lender is the person or corporation that gives something of value (money, property or some service) to the Borrower on condition that the Lender will be paid a certain amount in the future.What is the governing law for a Promissory Note?The governing law is the law of the jurisdiction in which the promissory musiknote will be entered into. Often the parties select the jurisdiction where the Lender resides. If the promissory note relates to the purchase of certain assets, then the location of those assets is selected.What is the Principal amount?The principal is the original amount of the note that is owed by the Borrower to the Lender on the date the Promissory Note is signed. Once the Borrower has begun to pay back the note, the principal refers to the amount of money still owing to the Lender at any given moment in time.What is interest?Interest is an amount charged to a Borrower for the use of the Lenders money. It is usually expressed as a percentage of the amount borrowed and is calculated at a specified interval over the course of the term of the Promissory Note. The interest rate is the annual interest rate.What does compounded mean?Compounded refers to how frequently the interest is calculated and added to the principal amount of the note to arrive at a new balance. The mora frequently the interest is calculated, the more interest the Borrower will end up paying to the Lender.What is a demand promissory note?The balance owing in a demand promissory note does not need to be paid until the Lender demands to be repaid. In other words, the loan is repayable on demand. There is no fixed end date for the repaym ent of the note. Upon demand, the Borrower is given a certain period of time to repay the outstanding balance of the note.What is the difference between a Promissory Note and a Loan Agreement?Both contracts evidence a debt owed from the Borrower to the Lender, but the Loan Agreement contains more extensive clauses than the Promissory Note. What is the Term?The Term is the time length of the note. At the end of the term, the Borrower must repay the outstanding balance of the note.Promissory Note DetailsI am a shareholder. Should I use the Loan Agreement, the Shareholder Loan Agreement, or the Promissory Note?As a shareholder, if you are lending money to the corporation, use our Shareholder Loan Agreement. If you are borrowing money from the corporation, use either our Loan Agreement or promissory note. If you want an extensive contract, use our Loan Agreement. Use our promissory note if you prefer a standard basic contract.Do I have to charge the Borrower interest?No, the Lender can choose whether or not to charge interest. If the Lender decides to charge interest, they can plattl how much interest to charge. However, there may be tax consequences to the Lender or Borrower if interest is charged but it is not a reasonable rate.What are the payment options available?There are four options for the method of repayment. Specific periodic amounts - the Borrower will make a certain payment to the Lender on regular intervals. Lump sum payment at the end of the term - the Borrower pays nothing to the Lender until the end of the note term, at which time the Borrower repays the entire note in one payment. Interest only - the Borrower makes regular payments to the Lender that are put toward paying off the interest on the principal amount only, with no portion of the payment going towards the principal amount itself. Interest and principal - the Borrower makes regular payments to the Lender that are put toward paying off both the principal amount and the interest as it is compounded. At the end of the term of the Loan Agreement, there will be no outstanding balance to be repaid.Should the Borrower be able to pay the Outstanding Principal without penalty?Granting this option enables the Borrower to pay the outstanding balance at any time without having to pay an additional sum as a penalty. If the Lender is making this loan as an investment, the Lender may not want to allow prepayment without a penalty as the lender would incur expenses and possible lost income in reinvesting this amount.Should the Lender require the Borrower to provide security/collateral for the note?If you do not take collateral, and the Borrower defaults on the note, you will have to take the Borrower to court in order to recover your money and your judgement can only be enforced against certain assets of the Borrower. However, if you take collateral for the note, then you may be entitled to seize and sell the collateral if the Borrower fails to repay the note.Does the collateral need to be equivalent in value to the note amount?No, if collateral is given for the note, it can be for any amount. If the Borrower fails to repay the note, and the collateral is worth less than the note, then the Lender can seize the collateral and sue the Borrower for the remaining amount of the note. If the Lender recovers more than the outstanding balance from the sale of the collateral, any surplus amount would be returned to the Borrower or his other debtors depending upon the situation.National Consumer Credit Protection Act and Required DisclosuresWhat is the National Consumer Credit Protection ActThe National Consumer Credit Protection Act (the Act) is a set of laws developed to standardise credit practice in Australia. If you pay a business for credit and use the credit (loan) mainly for personal, household or domestic purposes, then the National Consumer Credit Protection Act will affect you.Does the Act apply to my promissory note?The Act will apply to your promissory note if the borrower is a natural person ordinarily nicht auslagerbar in Australia or a strata corporation formed in Australia and the credit is provided or intended to be provided wholly or predominantly for personal, domestic or household purposes and a charge is or may be made for providing the credit and the credit provider provides the credit in the normal course of business or incidentally to any other business of the credit provider.Are there any disclosures that the lender must provide to the borrower before entering into a promissory note?If the Act applies to your agreement, the lender must provide the following to the borrower a precontractual stellungnahme setting out the matters required by section 17 of Schedule 1 to the Act and an information gutachten in the form required by the regulations stating the borrowers statutory rights and statutory obligations.Where can I access the information statement?You can access the information statement in the regulations at (F orm 5) comlaw.gov.au/Details/F2012C00052The information statement may be in the form of a separate document or part of the credit contract document. You only need to provide information if it is relevant to the credit contract concerned.Where can I access the precontractual statement?Requirements for your precontractual statement are set out in s.17 of Schedule 1 to the Act (the National Credit Code). You can access the code ataustlii.edu.au/au/legis/cth/consol_act/nccpa2009377/sch1.htmlGenerally speaking here are some of the issues you need. The contract document must containThe credit providers name.The amount of credit to be provided.The persons, bodies or agents to whom payments are to be paid.If the credit is provided by the supplier for a sale of land or goods by instalments then include a description of the land and its cash price or a description of the goods and their cash price.The annual percentage rate or rates under the contract.If there is more than one percentage rat e, how each rate applies.The method of calculation of the interest charges payable.The total amount of interest charges payable.The number, amount and frequency of repayments.Any credit fees and charges and as well as changes to those fess, if applicable.Any penalty interest rate where payments are in default.Details of any commissions to be paid if applicable.Details of any credit-related insurance if applicable.Details of any changes that can be made under the contract.A statement that, in the vorstellung of a breach, enforcement expenses may become payable.Depending on your circumstances, an amortization schedule will usually provide most of this information.Signing DetailsI do not know when the Promissory Note will be signed. Can I fill in the date later?Yes, by selecting Unsure as the date the note will be signed, a blank line will be inserted into the contract so that you can add the correct date after printing the document.Do I need witnesses to sign the Promissory Note?Gener ally speaking, there is no requirement for a witness or notary public to witness the signing of the Promissory Note. However, depending on the nature of the note and the governing law of the jurisdiction in which youre entering into the note, you may be required to have witnesses or a notary public witness the Promissory Note. Even if it is not required, having an objective third party witness the signing of the note will be better evidence when you need to enforce the repayment of the note. Signing the note in front of a notary public is the best evidence that the Borrower signed the note.Who should sign the promissory note?In general, at least the borrower should sign the promissory note. Depending how much the parties trust each other, you may also wish to have the lender sign as well AND get the signatures notarized.

Fraud, Deceptions, and Downright Lies About Indeed Resume Exposed

Fraud, Deceptions, and Downright Lies About Indeed Resume Exposed Details of Indeed Resume Pricing and extra information can be discovered on ourResume Subscription FAQs. Resume objectives could be a bit controversial. They are time-related to achieve a particular work. The Indeed Resume Chronicles As an issue of fact, on an average, the majority of the recruiters do not start looking for at least 6 seconds at a resume. Resumes are important to folks who would like to construct each of their careers. Our objective is to create the creation process simple for you. To enhance your probability of locating the interview, youll need to at all times customize your work application predicated on which subsequently template is easily the most appropriate to use. Only 3 steps which you will need to complete to be a step closer to a job of your dream. Definitely, among the most important measures in life is to find a job which will supply you with feelings of satisfaction and fulfill ment. Whats also true is there are job openings. There are scores and scores of different candidates applying for the identical job. When youre searching for work, dont rely on just one method to locate jobs. You might find yourself sending the same resume to different job applications and although you may believe you are saving time you are really lessening your probability of receiving an interview The 30-Second Trick for Indeed Resume Watch the video to find how youre able to begin using Indeed Resume to locate terrific candidates. You will likely discover some good continue web templates on the net that you may follow. Naturally, youll have a good absprache of unique templates to assist you in making a cv. There are several different well-designed templates that can help you to construct a great cv. Now, take a look at best free online resume builder websites. Resumizer free resume creator allows you to preview your resume at any stage in the creation approach. You als o receive the choice to select a template from the bunch of beautiful resume templets out there. Double check to be certain that everything on the last version of the resume is about you. At times its possible to submit an application for a job through internet platforms where you could fill in all your professional data. To get the best targeted results, you need to do efficient resume search. Unlike the majority of the online resume builder sites that need the user to register, it doesnt require registration. ConnectCV is another exact efficient online resume building tool at no cost. What You Need to Do About Indeed Resume Starting in the Next 4 Minutes Youre able to enter your social networking profile address for an extra point of contact. As job search sites have a tendency to be free services, the info inside your resume (that can be easily found other places, like in a phonebook) is not sufficient to set you in danger. Zetys resume templates are made with the assista nce of recruiters and stick to the best practices in HR. You also receive a feeling of what information you dont have to include. To save a whole lot of heartache down the road, ensure you use our resume builder to create a document that could be easily transferred to several job applications. It isnt that easy to learn the very best talent in the present competitive market, but there are firms who effortlessly create the procedure for the resume sourcing very uncomplicated and quick like Arpeo Solutions. In summary, the entire process aids the organisation to find worthwhile candidate and at the very same time save money and time. A perfect option for candidates with lots of experience who desire to have a really good one-page resume template. If you cant receive any response from a certain recruiter, then you may post your resume to the agencys website (if at all possible). To start with, whenever the recruiters go through your resume, they receive a very first impression of y our profile. They do not have to spend all their time and money searching for the appropriate candidate in the marketplace. College Recruiter believes that each and every student and recent graduate deserves a fantastic career, and thats why weve partnered with Intry so you are able to free of charge, make an on-line profile and one or more resumes, every one of which will be designed to secure you get through the ATS and seen by the hiring manager.

The Leaked Secret to Resume Bullets Uncovered

The Leaked Secret to Resume Bullets Uncovered How to Choose Resume Bullets Proof you will do a great job. Proof which you will deliver the things that they require. In reality its simple if you understand that what theyre seeking is proof. Resume Bullets Hence job application objectives will differ dependent on the sector where you want job. When you truly want to get that job, then youve got to send them a targeted continue. Key Pieces of Resume Bullets Alas, many employers only scan resumes for a couple seconds before choosing whether to continue reading. Most professional resume readers can effect a choice to keep a resume in under two minutes. Its necessary to demonstrate why youre the appropriate candidate for a particular position rather than simply submitting a generic, one-size-fits-all resume. The next step you will need to try create resumes is selecting what font of resume youre likely to want. Get the Scoop on Resume Bullets Before Youre Too Late The furth er skills section is very good for highlighting special specifics or must-haves which dont fit into the other sections. If you dont have a business background, its still important to include your qualifications. The tendency of mentioning how much or how many youve reaped is mostly neglected in nearly all resumes. With the aid of our operations manager resume sample and expertly designed writing tips, you will be in a position to prove youve got what it requires to get the task done. Resume Builder The resume building process is extremely straightforward. Resume program is extremely much beneficial to produce the ready job application. With the right preparation, you are going to be prepared to confront the neighborhood job market head on. Resume Bullets Help There may be hiring practice quirks which may be specific to your area. With a wide variety of calibers to pick from, youll have the ability to pick out proper reload bullets for your particular firearm. The point i s to demonstrate that youre computer literate and adaptable in regards to new resources. The very first step to writing more effective bullet points is to recognize your bullets can and ought to be more than only a list of the tasks and obligations you managed in a given function. Hiring managers skim your resume bullets, which means you wish to have the main information first. First of all, individuals love bullets. A couple of two means by which you can create resumes. The Basics of Resume Bullets If you need assistance, utilize some absolutely free zugnglich keyword tools such as Google Free Keyword Tool. Finding out steps to produce a resume in the right formatting is important also. Most are only templates with a couple pre-written words and recommendations to help you in starting out.

10 Best Audiobooks to Boost Your Career and Brain - The Muse

10 Best Audiobooks to Boost Your Career and Brain - The Muse10 Best Audiobooks to Boost Your Career and BrainAs a big fan of physical, paper books, I always do my best to avoid audiobooks and e-readers as much as possible. This, Ive also found, is extremely difficult on a day-to-day basis. Paperbacks are clunky, and its practically impossible to simultaneously turn the page and cling to a subway pole without falling on someone. And, theyre heavy to carry around- now, Im no 1,000 page kind of person, but I dont read light picture books, either.So, Im basically at a loss- unless I choose to listen to my books. But thats not the same thing as reading, right?Well, actually, it is (Sigh of relief.)According to Science of Us, and a recent blog post by University of Virginia psychologist Daniel Willingham, you get the same mental benefits from audiobooks than you do from reading, even if it doesnt feel like you doThere are two basic processes happening when youre reading There is decoding, or translating the strings of letters into words that mean something. And then there is language processing, or comprehensionListeners and readers retain about equal understanding of the passages theyve consumed...Decoding, by contrast, is specific to reading, Willingham said this is indeed one more step your mind has to take when reading a print book as compared to listening to the audiobook version. But by about late elementary school, decoding becomes so second-nature that it isnt any additional work for your brain. It happens automatically.There you have it, two processes covered by both strategies. The Science of Us article also phrases the argument that while yes, its easier for us to get distracted listening to a book than reading it, its really no different than skimming. And just like putting down or flipping through a book, you have the option to rewind, pause, or fast-forward to better take in the information.And, because Im constantly looking for new ways to examine my l ife and career, I decided to round up some of the best and most popular career books on the market online, just for your viewing- sorry, I mean listening- pleasure 1. The Power of Habit Why We Do What We Do in Life and Business by Charles Duhigg, $28If you struggle with bad habits, or want to get better at developing good ones, this one is for you- youll learn exactly why we choose certain patterns, and how to break the cycle.2. You Are a Badass How to Stop Doubting Your Greatness and Start Living an Awesome Life by Jen Sincero, $25Even this title is enough of a confidence boost Speaker and coach Jen Sincero will motivate you to become your best you with funny stories, insights, and exercises (and some great chapter titles).3. The 4-Hour Workweek Escape 9-5, Live Anywhere, and Join the New Rich (Expanded and Updated) by Timothy Ferriss, $23Working less hours doesnt come with age- now, with this advice, youll learn the tips and tricks to being successful and earning a steady income a t any stage, without sacrificing your life to your job.4. Getting Things Done The Art of Stress-Free Productivity by David Allen, $28A healthy work-life balance is every employees dream, and its especially hard to accomplish in our ever-changing world. This all-new edition will be your guide to reaching inbox zero and tackling all those to-dos.5. Getting to Yes Negotiating Agreement Without Giving In by Roger Fisher and William Ury, $21Practice your negotiating skills with this read and kill it in any professional or personal agreement with grace and poise. 6. GIRLBOSS by Sophia Amoruso, $25Attention all outsiders Sophia Amoruso is your gal. As the founder and CEO of a major fashion retailer, she knows a thing or two about finding your way to success, and her story will inspire just about anyone to make it big.7. Presence Bringing Your Boldest Self to Your Biggest Challenges by Amy Cuddy, $21TED speaker Amy Cuddy (famous for her power poses) will help you overcome all that social an xiety by helping you harness your most confident self in any high-stress situation.8. I Could Do Anything if Only I Knew What it Was by Barbara Sher, $18If you have no idea what your passion is, you might want to check this out. Itll help you identify all those inner dreams, goals, and feelings that will eventually lead you to outward success and fulfillment.9. Drive The Surprising Truth About What Motivates Us by Daniel H. Pink, $18Cant seem to get your team to do their best work? This book will teach you what motivates people, and how to better intotenstill drive in others.10. The Happiness Equation Want Nothing + Do Anything = Have Everything by Neil Pasricha, $21If you want to reach total and complete happiness, this book is a great start. Pasrichas equation is easy to follow, fun to read, and will completely change how you see your life and career.While physical books are still my go-to, Im now more excited to pick up an audiobook when its more practical- whether on my way to a nd from work or travelling.Have a favorite career book (and do you listen to it)? Tweet mePhoto of woman with headphones courtesy of Paul Bradbury/Getty Images.

Why Men Have Stronger Professional Networks Than Women

Why Men Have Stronger Professional Networks Than WomenWhy Men Have Stronger Professional Networks Than WomenResearch indicates that the glass ceiling is firm. And the reason why may surprise you. Its leid your gender, its your network.Its been nearly half a century since the Civil Rights Act of 1964 outlawed sexual discrimination.Further legislation has been reisereisepassed to root out sexist corporate-promotion practices and encourage diversity in the workplace. Womens groups have lobbied agencies and businesses to support and mentor female employees, and private enterprises have funded and cultivated programs to promote the advancement of women to the highest ranks.But in 2009 women hold just 20 percent of the senior management positions in American businesses, according to the 2009 International Business Report by Grant Thornton. The glass ceiling remains firmly, invisibly, in place.But what is responsible for the invisible barrier that allows employers to pay lip service to dive rsity but promote men to 80 percent of the senior management positions?New research suggests that fewer women reach those jobs than men because they are less likely to hear about available positions from coworkers as early as their male counterparts.Both men and women tend to circulate the good news about job openings or opportunities when they hear about them. But looking at the quality of the job leads in terms of pay and prestige women get poorer quality leads from other women, said Lisa Torres, a George Washington University sociology professor who studies the hiring and job-search process in corporations. Men tend to be in the top positions in organizations so, structurally, theyre in a position to hear about job openings or opportunities when they arrive, and circulate those to their networks.Birds of a feather flock together.The problem is not a failure in the career-development or job-search acumen of seasoned female professionals and certainly not a statement on the qualit y of the candidates, Torres said. It has mora to do with the people with whom men and women feel most comfortable associating, she said.Torres and Matt L. Huffman, sociology researcher at the University of California-Irvine, studied groups of men and women and tracked census data to identify patterns in the way the sexes network. The researchers detailed their findings in a 2002 study, Social Networks and Job Search Outcomes Among Male and Female Professional, Technical, and Managerial Workers, published in Sociological Focus.They discovered that both men and women tend to build networks comprising people of their own gender - a process known scientifically as homophily and colloquially as birds of a feather flock together. But women tend to recognize the tendency and try to overcome it - building networks made up of about 50 percent men - while mens networks included very few women, Torres said.According to Torres and Huffmans theory of social networking Because men hold 80 perc ent of the jobs in senior management (a figure that has been steadily declining), they are more likely to hear about job openings at the senior-management level. Men pass the news on to their mostly male social networks, and it is likely that news about the job opening reaches women only after it has reached and passed several men.Who is in your network?It isnt just a matter of being connected, said William Bielby, a professor emeritus of sociology at the University of Illinois at Chicago. It matters who those connections are.Bielby is a leading researcher in race and gender bias. He has been called upon as an expert witness in sexual-discrimination and bias lawsuits involving WalMart, FedEx, and Johnson Johnson. Bielby said the professional networks women build fail to deliver the same job leads as men because of whom they choose to include.Research into how men and women form professional relationships at work shows that women tend to be more effective at networking - at least a s far as the size and cohesiveness of their professional networks are concerned, Bielby said. But that breadth still does not overcome the concentration of power in male networks.Women have tended to be better connected overall, but they and many of their female contacts tend to work in more female-dominated jobs, Bielby said. So their networks may be wider but not reach to as high a level as mens, who tend to be better connected, particularly in getting professional news, to more high-status people.Access is only part of the issue, Torres said. The rest is an often unconscious decision about who is the most appropriate target for a tip.You might tell a male colleague about an opportunity thats very high demand or involves a lot of traveling, she said, but not a female friend because you know she has family concerns that might make that more difficult.That may show sensitivity toward a colleagues personal situation, but not one that allows that colleague to make up her own mind abou t whether the job is too high stress or the travel requirements are too great, Bielby said.Gender biasWhile men hold 80 percent of senior management jobs, the eu-agrarpolitik in income is less severe. According to Huffmans review of 2000 census data, women in senior management earn salaries that trail mens by only 9 percent.The gaps persist most notably in access and perception, Torres said.For example, in technology companies - which, like financial services, tend to be male dominated - men are 2.7 times as likely to be promoted to top technical or managerial positions than women they are far more likely to be viewed as competent and are four times as likely to have a partner who takes on the bulk of responsibility for home and family, according to a 2008 study by Caroline Simard, director of research at the Anita Borg Institute for Women and Technology.A third of women in technology companies deliberately delay having children to pursue career goals, and far more women than men are likely to believe extended work days and a lack of sleep are necessary to achieve success, the study concluded.Even without gender bias, the greater number of connections men have to higher-level contacts make it more likely theyll hear about a particular opportunity than even a woman with the same hintergrund and similar contacts, Torres said.And the higher up the ladder a candidate goes the more likely unconscious bias about race, gender or competency is to intrude on the decision-making process, Bielby said - especially in something as informal as a job reference.Passing on a job lead is ultimately an exercise in subjective judgment, Bielby said. So when someone is thinking whom to tell about an opportunity - and that decision is often made unconsciously in just a split second - it may be stereotypes of what men or women are competent that makes you more or less inclined to tell a specific person.We like to think were beyond those days where stereotypes matter, but were no t that far removed from it, Bielby said. In my experience during financial-services litigation, for example, even with brokers who work only on commission, youd think there couldnt be any bias there because the numbers tell the story. But the real issues were not the commission formula, it was in the soft decisions made about how do distribute leads or referrals and the accounts of people who leave.Farther down the ladder, its easier to quantify levels of performance, Torres said.As you get higher, the judgments invariably get more subjective. Thats one reason there is still quite a pay gap between men and women in similar jobs, she said. As you get higher on the ladder, job performance is based more on evaluation and subjective assignment. A woman lawyer may handle more cases, but are they the big cases? I may produce more as a knowledge worker, but is what you produce really first tier compared to someone else?Trying to legislate or organize job references to eliminate gender bias is not a good idea, Torres and Bielby agreed. That would just squelch the process altogether.Overcoming the gender networkIf women want to equal the effectiveness of male social networks, they need to emulate the men in those networks, said Torres. If male-dominated professional networks are passing jobs leads to other men before women, women should put themselves in the path of those leads, Bielby said. Women must add more men - especially high-status men - to their professional networks. Furthermore, they need to make their interests and competencies as clear as possible, he said.The basic insight about how job leads are passed along, which has been around for years, is that they come through weak ties - acquaintances or friends of friends, who we dont necessarily know that well, Bielby said. When you pass along a job lead, often thats based more on assumptions about someone you only know vaguely than anything specific about them.What you can do, he added, is cement that conne ction by following up with specific information about what kind of job youre looking for or sending a resume or link to a Web page with that information.

Words You May Be Misusing in Your Job Search

Words You May Be Misusing in Your Job SearchWords You May Be Misusing in Your Job SearchIn an effort to impress a potential boss, you might decide to toss out a word or two during a job interview that youre not all that familiar with. Or worse, it might be one of the most common words out there- but youre using it incorrectly. Before you make a major grammatical gaffe in the interview, on the application, or in any emails to the hiring manager, read through these words that you may be misusing during your job search.Words You May Be Misusing in Your Job SearchAffect vs. EffectAlthough affect and effect are often used interchangeably, they are very different. Affect means something has been influenced by someone or something (i.e., She was very affected by the news on TV.) whereas effect is the result of something (i.e., The changes will take effect next week.). Therefore, the effect of all your hours of job searching is that you landed a job interview.Comprisevs. ComposeAccording to an article on Ladders, these are two of the most commonly misused words in the English language.While comprise means to include, compose means to make up.It all comes down to parts versus the whole, the article says. When you usecomprise, you put the whole first A soccer gamecomprises(includes) two halves. When you usecompose, you put the pieces first Fifty statescompose(make up) the United States of America.Accept vs. ExceptOne of the reasons why accept and except are used incorrectly is because they sound almost the same. Thing is, accept means that you are receiving something I accepted the job offer. Except, on the other hand, means to single something out I am available for a second interview any day of this week except for Thursday.Ironic vs. CoincidentalWhen something is ironic, its usually the opposite of what was expected. (Think of a lyric from Alanis Morissettes popsong Ironic- Its a free ride when youve already paid.) On the other hand, coincidental is when two events ha ppen at the same time without being planned. Finding out during a job interview that both you and the hiring manager are actually related is a coincidence.Lie vs. LayBeyond your and youre, lie vs. lay can be one of the biggest vocab mistakes you might be making. Obviously, if youre fibbing, its a lie. But what happens when you need to go rest? Do you lie or lay? In this case, you would lie down. Now, if youre putting something down, you would use the word lay (i.e., Lay your plate down on the table.) The past tense is even trickier- the past tense of lie is lay, and the past tense of lay is laid. And when youre in front of a prospective boss, be sure to lie your briefcase on the seat next to you.Knowing how to use these common words correctly can not only make you sound smarter, but ensure that you say what you mean- every time.