How to Get Hired in a Bad Job Market

How to Get Hired in a Bad Job MarketYou feel stuck in your field. No one is hiring and youre desperate for work. But dont aimlessly apply to any available job you find. Follow the steps below to focus your search and eventually land in a career that will make you happy. googletag.cmd.push(function() googletag.display(div-gpt-ad-1467144145037-0) ) Step 1 Determine Your PassionsBut before you consider a wholesale career switch, the first step is to figure out exactly what youre passionate aboutand what you can and cannot tolerate doing. For example, if you faint at the sight of blood, you probably shouldnt switch to nursing from hospital administration. Once youve done this, youll be ready to make some informed decisions. Remember a badeanstalt job market can change in a year or twoa career is a long-term commitment.Step 2 Work HarderThere are jobs out there and you can get them, but youll have to be ferocious. That means tracking down every lead, getting your resume in front of every connection, and doing your homeworkin an economy like this, you cant expect anyone to just hand you a fabulous opportunity. And if your only option is a job you would consider beneath your level, consider taking it, learning something, and using it as a jumping off point to your next job (once the market loosens up a bit).Step 3 LearnAsk people you respect who have jobs you admire to let you pick their brain about career prospects and how they got where they are. Do your research. Scour the internet. Bone up on all the latest in your field, plus adjacent fields. That way, whatever comes up, youll be ready.You can also consider specializing, particularly in something challenging or unique. That will make you an instantly hirable asset should you find a company in need, and it will also keep you fresh. Get as much extra education as you can, particularly in things that interest you the most. That will never be time wasted.Above all, follow your heart. Keep your head down, work hard, do a bit of soul-searching and preparation, and eventually youll find the right jobno matter the market.

3 Tips for Making Smarter Investment Decisions for Your Future, According to Research

3 Tips for Making Smarter Investment Decisions for Yur Future, According to Research The Fourth of July is all about celebrating our freedom and its, therefore, a good time to revive conversations on our financial freedom particularly for women. Unfortunately, women may discover that theyre notlage as financially independent or free as they think. How can one be financially independent when the foundation of their financial plan is reliant upon others, after all?Merrill Edges Spring 2018 Report, a nationwide survey delivered semi-annually, takes an in-depth look at the financial concerns and priorities of Americans in US households with investable assets ranging from $50,000 to $250,000. Of those Americans surveyed, 33 percent said their financial stability is dependent on receiving an inheritance. Thats one in three Americans who say that their financial stability is dependent on someone elses money passing down to them.We never seen such a strong reliance on receiving an inheritan ce, writes head Aron Levine, head of Merrill Edge. With shifting priorities and growing lifespans, Americans are finding new ways to ensure their financial stability and, as such, are increasingly looking to others. While its great to see investors thinking ahead, the key to financial freedom is outlining and following an action plan for short- and long-term goals beyond an inheritancewhich may or may not ever come.Financial dependence is exacerbated for todays youngest generation (Gen Zers, born after 1995) and women, who dont achieve financial wellness the same way men do. Sixty-three percent of Gen Zers say they need an inheritance to achieve financial stability, according to Merrill Edge, and 44 percent of women worry that theyll run out of money by age 80 despite most (64 percent) hoping to live to 100, according to Merrill Lynchs Women Financial Wellness Beyond the Bottom Line report.In partnership with Age Wage, Merrill Lynchs report surveyed 3,707 respondents including 2,63 8 women. The results suggest that 70 percent of women believe that men and women have fundamentally different financial paths in life regarding their concerns and opportunities. The fact is that women live, on average, five years longer than men 81 percent of centenarians are women, few of whom are financially prepared for the long of a life.How can women stem the tides? They can make smarter investments. According to the report, 41 percent of women wish theyd invested mora of their money, perhaps because key stages of life like parenting and caregiving cause them to take time off from their jobs far more than men. Financially, that translates to a cumulative lifetime earnings gap between men and women at retirement age of $1,055,000. And because women live longer, they end up paying an additional $195,000 on average for long-term care in later years.That said, while womens confidence in other financial matters is equal to or greater than mens, the same cant necessarily be said for investing. When it comes to managing investments, only about half (52 percent) of women say theyre confident, compared to 68 percent of men.Specifically, 77 percent of women are more concerned with what money can do for their families. But, for those who do invest wisely, their financial confidence soars 77 percent of those whod invested said they felt like they were able to accumulate enough money to support themselves throughout their entire lives.Here are three tips from Merrill Edges report on investing1. Invest with a PurposeSeventy-eight percent of Americans report putting others concerns before their own, which may be why social responsibility is so important to them. When making investment decisions, 87 percent chose companies that pay men and women equally, 85 percent choose those with diverse leadership, 82 percent chose companies that demonstrate a commitment to environmental sustainability, 78 percent consider whether a company provides three or more months of family l eave, 62 percent invest in companies that share the same faith, and 61 percent invest in companies that support the LGBTQ community.2. Prioritize a ProfitWhile being socially conscious is important, prioritizing a profit is the key idea to saving enough money. Twenty-two percent of Americans see the stock market as opportunistic, and more than half (57 percent) are likely to invest in a company that promises a profit, regardless of its sector. In fact, 60 percent say theyre more like to invest in a profitable company whose values they disagree with, whereas 40 percent are more likely to invest in a struggling company whose values they agree with profits are important.3. Ask for HelpDespite 75 percent of Americans taking a do-it-myself approach to their finances, the fact that one in three say their financial stability is dependent on an inheritance means that they could use some help. Dont shy away from speaking with experts especially if you fear that you lack the know-how to do i t yourself or dont have confidence in your investment decisions. Financial advisors are here for a reason.For more, check out Fairygodboss post oninvestment for beginners.--AnnaMarie Houlis is a multimedia journalist and an adventure aficionado with a keen cultural curiosity and an affinity for solo travel. Shes an editor by day and a travel blogger at HerReport.org by night.