6 Things You Need To Know About Going Through a Divorce -

6 Things You Need To Know About Going Through a Divorce - The end of marriage marks the beginning of a series of stressful events for spouses and their children. There are decisions to make about the property, scheduled parenting, among other things. Intense emotions caused by these changes can prevent spouses from understanding the legal process of divorce. Spouses may also find themselves incapable of making sound decisions due to the emotions that can overcome one’s thought process. You can find it easy to go through a divorce if you have the right information about the process before it begins. Read on to discover six things that you need to know about going through a divorce. Do not expect to win. Most people start their divorce process hoping to “beat” their spouse in court. The truth is, there is rarely a real winner. The divorce process involves issues such as child custody, support, and division of property. Divorcing partners seldom end up with everything they want, and they may find it difficult to adjust. For instance, one spouse may get child custody, but end up receiving a lower amount of spousal support than requested. Since there is no real winner or loser, you should probably consider the outcome of a court battle before you go down that path.  Your Children. You should remember that your children are not divorcing. You may get in an intense argument and forget that your kids are watching. Saying cruel words to your partner can have a lasting effect on your kids. Fighting with your spouse during the process will only add to the psychological stress your children are already experiencing. Give yourself time to think about the things you are about to say to your partner.  Divorce differs from individual to individual. Your divorced friends may advise you on what to do in your divorce. However, their experience may not work for you and might end up misleading you. The issues that led to your friends separation are not universal. Therefore, do not base your decisions on other people’s experiences. Get advice from your attorney, financial advisers, and mental health experts who are experienced with specifics of your case.  Forget the Past. Do not get obsessed with all the bad things that you went through during your marriage. Such thoughts will only prevent you from planning your future life. Talk with your divorce lawyer with the intentions to work with your partner to achieve the best outcomes for your family. You may not agree on specific issues, but this is because you are still angry. Make concessions on some problems, and you will have a more natural process.  The Court. A spouse may decide to terminate divorce case negotiations and head to court. However, remember that divorce trials are lengthy and expensive. The hearing may even deplete your assets. A small issue may require many court days to complete. In addition, you do not know how the judge will rule. Therefore, it is best if you work out the process out of court. Be Honest with your Attorney and Spouse. Present all the essential truths to your lawyer so that he or she can analyze your case. Hiding things may result in inappropriate advice. Nevertheless, hidden facts will probably come out later in the process. If this happens, you will have ruined your chances to obtain good results. Similarly, be honest with your spouse. Produce all income documents, assets, debts, and expenses. If you have a massive debt, a loan payoff calculator can help you decide on how to save on interest. With this information, you now know what to do and how to avoid getting walked on in the divorce process.

Make Your Debt Pay You - Finance Your Business With Credit

Make Your Debt Pay You - Finance Your Business With Credit When you are building a new business or trying to grow an established one, the one thing that you will always need is money. Whether you are  switching from freelancing to entrepreneurship  or starting a new venture, don’t let financing hold you back. For some, money really does appear to grow on trees, but for the majority of us, we have to come up with creative ways of funding our new business ventures. Put it on credit Credit is a viable option for sourcing finance for your small business. In fact, a  report from the SBA shows that  10% of financing dollars  comes from credit cards. A credit card can provide flexible capital during a growth phase as credit cards can offer lower rates and rewards not gained when taking out a small business loan. A credit card is also a great way of  building up a credit score  for your business which will increase funding opportunities for you in the future. Use it or lose it If you are currently funding your business using savings or income from sales, credit is still something to think about.  Applying for credit before you need it  will build up your credit score. Also, if you build up a relationship with a financial institution and prove yourself to be a reliable customer, the level of credit available to you will grow over time. This means that when the time comes to instigate a new growth initiative for your business, you are able to leverage the credit already available for a short term ingestion of capital. Be smart move your debt If you have already leveraged a credit card for a quick burst of cash and want to reduce the fees that you are paying, a  credit card balance transfer  is a good option for you. In this scenario, you are treating a credit card as an interest free loan. This is a great way of reducing the pressure to clear a debt in the short term as the repayments are reduced, giving you additional time to generate revenue from your venture. The use of a business credit card is a viable way to fund your small business short term, especially during a period of growth when you are investing everything you earn into the business. Don’t let a shortage of funds hold you back think smart and take the opportunities to grow as they present themselves.

Use Teacher Resumes Samples to Write Your Own

Use Teacher Resumes Samples to Write Your OwnTeacher resume samples can help you write your own resume. A teacher resume consists of some basic information about you. This includes your name, contact information and employment history. If you are a teacher, you can use resume samples to help you create your own.It is important to remember that your resume should include only the basic information. For example, you should not include information about clubs you are involved in, or awards you may have won. The reason for this is simple. Employers do not want to know what your hobbies are.There are many free sources of resume samples that will help you with this part of the application. Some of these sources include resume databases such as Korn Internet Marketing. These can help you to use templates that you can copy. You can also get resume samples that you can download online. These come in a variety of formats and styles.The key part of your resume is your summary. You will want to use a very brief summary. The summary will explain what you have done in the past and will also show what you have accomplished in the present position. This should include the most important aspects of your educational background.It is also important to list every job you have held as a teacher. Also include all any volunteer work you have done. This will help show that you have experience and have excelled in a number of areas.If you choose to list some of your research work on your teacher resume, make sure you give this information in the same section as your education field. If your research work was on a subject other than education, make sure you list it. In fact, if your research work was in a field other than education, do not put it in the education field.In some cases, you may find that your education field is very large. If this is the case, you may need to use a separate section for this information. But, keep in mind that for most resumes, you will need to use the same section as your education field.Teacher resume samples can help you write your own resume. It is not a difficult task. All you need to do is follow a few guidelines. If you take the time to follow a sample, you will be much more likely to get a good interview.

Ive Got No Where Else To Go

Ive Got No Where Else To Go Do you feel like your job has reached a dead-end? Bored? Not challenged? So what can YOU do about it? The title of this post is a quote from An Officer And A Gentleman. Remember the scene. Poor Zack Mayo (played by Richard Gere, young and oh so handsome) was on a concrete slab doing sit ups and his Gunnery Sergeant (Louis Gossett, Jr.)  was pushing him to quit or DOR. Zack was being physically and mentally challenged and his life at that moment was miserable. But, as horrible as this experience was, it wasnt as bad as what his life had been before. Zacks only hope for a better life was to stick with the Navy training. Before you go crying that youve got no where else to go (except to leave the company), do what Zack did. Try hard. Communicate. Be a team-player and become likable. In the world of work, we often hear the term manage up. Try Harder! Is there a reason you are at a dead-end? A little self reflection may help you see you arent performing as well as expected. And it is ultimately your manager/supervisor who sets those expectations, fair or unfair, right or wrong, extreme or realistic. Honestly, are there things you should be doing better? Have you missed deadlines? Have you sent unedited emails, correspondence, or reports? Is your work completed on time, or better yet, ahead of schedule? And if you really want more responsibility or a promotion, why not volunteer to take on a project. Of course you want to get paid for your expertise and time, but, you may just have to prove to some people you have what it takes first. Go the extra mile. Ask if you can take on a specific side project that will benefit the company. See what they say. Talk to Your Commanding Officer If you dont have regularly scheduled meetings with your supervisor/manager, start asking for them now! We all know that some people just arent cut out to manage, let alone lead. Dont expect your manager to do more than they are capable of. Ask for a regularly scheduled meeting and suggest areas you would like to touch base on. Communicate your concerns without complaining. Ask for your managers input and suggestions, but ALWAYS have some of your own too! No one likes a complainer. Be a problem-solver. And dont be afraid to ask the tough questions you dont necessarily want the answers to. Are you satisfied with my performance?  I would like to feel more challenged by the work I am doing here. What would you recommend I do to earn extra responsibilities? Can you see any reason why you wouldnt support me as a candidate if I applied for the [internal job posting]? Theres No I in Team You have to learn to perform well as part of a team, plain and simple. It takes tact and diplomacy to get along with others (some call it Emotional Intelligence). And you have to be likable too. Sure, you may be the most knowledgeable expert around, but if people dont like working with you- well? Youre OUT, either literally or figuratively. You must figure out this stuff because it will come back to bite you again and again if you dont! Manage Up It has been my experience that there are many more bad managers than there are good ones. Learning to manage your manager is a skill that will help you again and again. Here are some quick posts for you to check out. Learn How to Manage Up HR Bartender The Simple Rule for Career Success: Manage Your Manager Yahoo! Finance Canada 10 Brilliant Tips for Dealing with a Difficult Boss from The Daily Muse Know When to Evacuate There may come a time when your last option is to get outta dodge. I hope you have exhausted all your options before you reach this point! It would be a shame to throw away a good thing.

What New Grads Need to Know About Pre-Employment Drug Tests

What New Grads Need to Know About Pre-Employment Drug Tests 14 Flares 14 Flares Theres no need to freak out about drug tests.  Actually, you might have a reason to be a little nervous depending on your recent activities.  Seriously, you might have a reason to be very nervous.  However, if youve only been participating in super clean fun, then dont worry, youll be OK. This blog post isnt a tell all on pre-employment drug testing.  This is simply a quick what the heck is going to happen to you during the drug screen process and what you might want to expect.  So, here it goes. When does the pre-employment drug screening occur? Usually after your phone screen and in-person interview.  Some might be before interviewing, but usually its just before the offer stage and while other checks are being completed.  Its a good sign if a company is asking for you to take care of the drug screen.  Its not so good if you know youre going to fail, but that one is on you. How soon do you need to take the test? 24-48 hours usually.  They dont want you taking a vacation or cleaning your system out, so expect to be told to head on in within that time frame. How will I be tested? While most stick to the old fashioned pee test, some will require blood or a hair sample.  Youve watched a lot of movies, so if youre doubting your urine you may look to pull the old switcheroo.  Be prepared for them to test the temperature and have someone standing outside the door to make sure theres no funny business. When do I find out the results? Some testing centers can be pretty rapid, while others take two days.  The results are typically emailed directly to the employer who will let you know if youve made it through to the next step in the process. Remember, relax and follow instructions If you know youre going to fail then maybe google for some help on what to do.  If you have no reason to worry, then keep calm and smile.  Youll do just fine, kid.

Professional Resume Writing Costs - How to Estimate Costs in Columbia, Missouri

Professional Resume Writing Costs - How to Estimate Costs in Columbia, MissouriEstimating professional resume writing costs in Columbia, Missouri can be quite a daunting task if you do not know where to begin. There are several factors that come into play when you want to properly advertise yourself on the resume that you submit to several job providers.One thing you will want to do is to generate at least one or two leads for every job you are contacting and then you should send out these email messages with the 'Buy now' buttons in order to generate the necessary web traffic so that you can make the most out of the money online. Your idea of a professional resume should also convey to your reader that this is a well written document and the prospective employer will not just sit on the job without first getting to read it. You will have to try and sell yourself as much as possible, if at all possible, because many people will never bother to visit the link after you submit your res ume.It is very important to understand that the cost of professional resume writing in Columbia, Missouri is dependent upon the number of resumes you submit and what category you select. Those who are beginning in the job market will have a harder time advertising themselves online, because they do not have the time nor the money. The more time and money you spend doing this, the more likely you are to actually get hired and earn a higher salary. It is therefore imperative that you save up the money before going out and trying to find other opportunities because the odds of you making money online are very slim.Some business managers also believe that there is no point in hiring a resume writer because the candidate is unlikely to produce anything of substance, but this can not be further from the truth. You need to understand that professional resume writing is not just about writing a resume, but it is much more about establishing yourself as an expert on certain topics.A resume t hat is well written and is genuinely designed to get you the job is all that matters, because you will not even get interviewed for the job if you do not have a strong grasp of the subject matter. For instance, if you are looking for a job as a digital image retoucher, you would be wise to avoid simply filling out a resume of 'all I know' and simply submit your resume as a digital image retoucher.Although the cost of professional resume writing in Columbia, Missouri is high, it is possible to lower the total cost by opting for services offered by freelancers. They are capable of writing resumes as part of their fee but you do not have to pay them if you only have a few jobs to do.In order to create the best resume possible you need to be both professional and creative. Remember that professional resume writing costs are largely dependent upon the number of resumes you submit. Therefore, if you have a strong resume and it will get you the job, then it will in fact help you save money by generating more leads to apply for jobs.

Board Member Connect How Founder Plays Nonprofit Matchmaker

Board Member Connect How Founder Plays Nonprofit Matchmaker In this series of “Passion Plays,” learn how aspiring entrepreneurs turned their interests into innovative and rewarding second-act businesses. David Lewis Age: 45 Hometown: Murrieta, Calif. BUSINESS: Board Member Connect, a for-profit executive search firm that finds board members for nonprofit organization The idea David Lewis began working for nonprofits in college and never wavered. He went from counseling foster children and assisting homeless families to fundraising for other organizations. “It becomes part of your fiber,” he says of the nonprofit world. “It’s really who I am.” More than 20 years later, Lewis still loved his career, as well as his $100,000-a-year job as executive director of a community health education foundation. But with a mortgage to payâ€"and a stay-at-home wife and two children, now 9 and 7, to supportâ€"he also felt hemmed in by the limitations of his field. “No matter what effort I put in, I was going to get paid more or less the same,” he says. “And I always worked for someone else.” Happily, he saw an opportunity to stay in the nonprofit world and gain more control over his financial and professional life. From his years in fundraising and development, Lewis knew that many nonprofits struggled to find qualified board membersâ€"people who are passionate about the mission; who bring expertise in, say, marketing or accounting, as well as connections to potential donors; and who, in some cases, could themselves write five- or six-figure checks in support of the organization. So seven years ago Lewis began envisioning a business that would solve this problem by matching charities with board members. The groundwork His first move was market research, starting with the websites of BoardnetUSA and BoardSource, two national nonprofit board sites. He saw that BoardnetUSA had a large database of candidates looking for positions, and nonprofits seeking board members. But it didn’t give either party the resources to determine whether they were a good match. Lewis also studied the groups’ member surveys, hoping to confirm his hunch that for nonprofits, filling their boards was a pain point. It was. Read next: How This Teacher Turned Her Love for Peanut Butter Into a Winning Business Next, Lewis sought advice from nonprofit executives he’d worked with in the past, and he sent web surveys to nonprofit CEOs across the country (many of whom he found via LinkedIn) asking if they needed the service he envisioned. “The overwhelming response I got was yes,” says Lewis. Meanwhile, he paid $5,000 to a web designer to create a site where charities and prospective board members could, for free, fill out profiles. But his research made it clear that, to make money, Lewis had to offer more than an online forum. He needed to be a true matchmaker, offering a hands-on service that identified and vetted suitable candidates. A soft launch Even after identifying this opportunity, Lewis didn’t quit his job when he launched Board Member Connect (BMC) in 2010. “My wife was supportive but cautious,” he says. They agreed he wouldn’t leave the health foundation until BMC was established and he had built up a cash cushionâ€"about six months’ earningsâ€"and a reassuring number of clients in the pipeline. So for five years Lewis ran the startup at night and on weekends. Unwilling to sacrifice time with his family, he waited until the kids were in bed on weeknights to work on the business. On weekends, he got to work only when they were asleep or otherwise occupied. It wasn’t easy, Lewis concedes: “I was burning the candle at both ends.” It also slowed the growth of BMC, says Lewis. But running the business as a sideline had benefits beyond the strictly financial. “I didn’t have the pressure to get paid or to close a deal in order to pay the mortgage,” he explains, “so I could try things out to see what would work, and I was able to gradually build relationships with nonprofit CEOs.” Those relationships proved crucial because Lewis had to create a market for a service that didn’t previously exist. In this case, he had to persuade nonprofits to pay a placement fee of between $1,200 and $25,000 (depending on the scope and level of the search) for something that had never been in their budgets before. The pitch: BMC could find them high-level business executives that the nonprofits couldn’t find on their ownâ€"professionals with extensive business experience that could be applied to the organization, deep pockets, and extensive networks that could open doors to potential financial support and partnerships. Read next: How a Hard-to-Open Package Inspired a Million-Dollar Business Idea Keeping his expenses near zero by working at home and relying on LinkedIn for marketing, Lewis put most of his revenues in the bank. And in November 2015â€"with sufficient cash set aside to supplement BMC’s revenue to match his old salary, and with confidence the business was on the upswingâ€"Lewis left his day job to run BMC full-time. The path to growth Over the years Board Member Connect has matched more than 1,000 individuals with some 200 organizations. Still, revenues were only $50,000 last year. Lewis hopes additional personnel will help. Last year he hired two part-time recruiters who are paid a percentage of the contracts on which they work. And several years ago, Lewis made contact with Anne Wallestad, CEO of BoardSource, which works with more than 100,000 nonprofit leaders on improving board effectiveness. That has resulted in a formal partnership in which BMC provides its services at a discount to BoardSource’s members. Lewis is already handling 20 times as many searches as a year ago and expects more business when BoardSource links to his website this spring. “Things are moving so fast and furious that it’s a challenge to maintain a high level of service,” says Lewis. But it’s a problem he’s happy to have. “I’m tapping into everything I’ve learned over a 20-year career and staying true to my heart,” he says. “But instead of working for a single nonprofit, I’m helping a wide variety of nonprofits with great missions across the country, and I’m able to reward myself financially in a way I’ve never been able to do.”