Category Archives: Financial Planners

By Jason Kay

When creating a resume for manager jobs, it is essential that you do not try to use a generic template or the same resume that you would use for other jobs. There are specific tactics that should be implemented in order to make sure that your resume stands out from the crowd (in a way that is beneficial, not detrimental). If you do create an attractive resume, then what makes you think that you are going to get the interview that you want. Your resume acts as your first impression, so make sure that it is a good one. Here are some simple tips that will help you create a more effective resume that is specifically targeted to manager jobs.

1.

Clearly State Your Potential Value to Company

It used to be common practice to add a paragraph before the resume that stated want you wanted out of the job. It was essentially used to state your career goals and why this job was an opportunity that you valued. Unfortunately, this does nothing to tell the company why you would be an asset to the company. Instead of opening your resume with a career objectives section, create a qualifications summary that demonstrates your value to them. Use this quick paragraph to summarize all of the skills and competencies to the company. Essentially, this section is your 30 second pitch as to why they should be interested in you. Keep in mind that a company wants to know what is in it for them, not what is in it for you. Manager jobs are very competitive and a qualifications summary can instantly tell a company why you are a better choice than everyone else.

2.

Address Your Audience Directly

When looking for manager jobs, there is a good chance that you will be applying for openings in a variety of different industries. Every industry has a unique need that must be met, which means that you need to promote different skills and qualifications based upon the industry. If this means that you have to create 10 resumes, then do it. First, it shows prospective companies that you are seriously interested in the position and not just sending your resume out to everyone (even if you are). Second, it ensures that the hiring company will be able to easily focus on the skills that you have that directly apply to the position and the industry that it is in.

3.

Showcase Your Value Via Specific Accomplishments

One of the biggest mistakes that most people who are applying for managers jobs will make is not showcasing their value. It has become common knowledge that you need to include specific examples of how you were a benefit to your previous employer. However, most people will state something like ‘I saved the company X amount of dollars’. While this is a nice statement, it doesn’t add to your value. Instead, you can use the same example to create value by adding a few details. For example, ‘I increased incoming revenue by $X or decreased annual costs by $X, which allowed the company to X. This type of statement tells the hiring company exactly what you did (increased revenue or decreased costs) and what that did to benefit the company (it allowed the company to X). The reason that this is more effective is because it shows them that you pro-actively created more money that the company could use for other things and what the company can do with it. Believe it or not, simply creating some more money doesn’t inherently hold any value. It is what the company can do with the money that creates value.

There are a lot of things that you can do to make your resume more tailored for manager jobs, but these 3 tips can go a long way in improving your perceived value as an employee.

About the Author: Search for open

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near you.

Source:

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By Sharon Taylor

Typically, when we take out term life insurance it is purchased while we are younger and just starting our families. After some years, a policy becomes old and outlives its original intention: perhaps your spouse no longer needs financial security or your children are now financially independent. In these cases, individuals decide to leave their term life insurance policies as gifts to their favorite charities. This is particularly beneficial to individuals who have large financial assets as they can use their contributions as tax deductions for their estates.

There are several ways in which to give a gift of life insurance to a charitable cause. First, you can purchase a new term life insurance policy altogether, leaving the charity of your choice as the beneficiary. Or, you can simply change the beneficiary of your existing term life insurance policy. Upon your death, the named charity would receive full face value of your policy.

When you list a charity as your beneficiary, you will need to have the following information:

1. The full legal name of the charitable organization.

2. The charity’s permanent mailing address. 3. Your charity’s federal tax identification number. 4. Your relationship to the beneficiary: to be listed as ‘charity’

Charities always have someone in charge of organizing and accepting gifts and donations. You can be certain that they will be happy to help you should you have any questions on the gift giving process or need help in filing any forms.

Rules for Paid or Unpaid Policies

If you choose to name a charity as the beneficiary of an already existing paid-in-full term life insurance policy, you may be able to deduct an amount equal to the fair market value of the policy, or your cost basis, whichever is less. Since your charity becomes the owner of your policy, the proceeds will not be included in your estate for tax purposes.

If you are still making annual premium payments on your policy, you may be able to deduct an amount equal to the approximate cash value of the policy or the policy’s cost basis, whichever is less, in the year in which you make the gift. Again, the proceeds will not be included in your estate for tax purposes. You may also be able to deduct any future premium payments.

Group Term Life Insurance

If you participate in a group term life insurance policy through your workplace, you can donate your excess coverage to your favorite charity as well. Many employers provide generous life insurance coverage as a fringe benefit to their employees. However, most employers do not tell you that you are also required to pay income tax on the cost of coverage over $50,000.00.

How do you avoid paying these taxes? There is a special rule that excuses this extra tax if you donate the excess coverage to charity. ‘Excess coverage’ is an excellent way to donate to your favorite charity. The best part is that you pay no out of pocket expenses for premiums. You get all the benefits of giving while also saving money in taxes at the same time. For more information on ‘excess coverage’ contact your company’s benefits department.

Using your term life insurance policy as a gift to your favorite charity enables you to make tax deduction and/or to gain other financial benefits to your estate. Be sure to talk to a financial advisor to ensure that both your family and your favorite charity both benefit by your financial decisions.

About the Author: Sharon Taylor is a veteran author and writes about life insurance and other financial management topics for eQUOTE Life Insurance, a leading Internet resource for free life insurance rates, quotes and information.

Source: isnare.com

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