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Author: admin | Category: Calculatrice Pret Auto | Date: 03.07.2015

The New Normal for the American Dream – 3 Cornerstones: Low wage jobs, high levels of college debt, and a retirement that consists of working until you pass away. There seems to be a growing acceptance that the American Dream is hardly as accessible as it once was. 1 out of 4 Americans with a job (many have no employment and are part of the massive non-labor force) work in jobs that pay $10 or less per hour.
All of these jobs beside registered nurses pay paltry wages, barely enough to be considered part of the working poor. Many of the jobs that do provide an entry into the middle class require a college degree: engineers, doctors, accountants, tech workers, and healthcare usually require formal education. In the span of roughly one decade we went from $200 billion of student debt to over $1.2 trillion in student debt (the Fed chart lags the actual amount). There is no other debt sector that has grown as fast as student debt, including what happened in the housing bubble. The American Dream usually meant a good paying job, a home you could afford, and being able to send your kids to college for a reasonable price. All the above proves this country is down the crapper never to rise again short of a miracle. Like the late, great comedian George Carlin said, they call it the American Dream because you’ve got to be asleep to believe it.
It would be interesting to know, or at least speculate, how the poor economy could become a robust one if, instead of low wages being the norm because wages are an expense which must be kept low, a living wage were the norm because wages are an investment in a strong consumer base. The day of reckoning for global total debt – total credit market debt up from $28 trillion in 2001 to $53 trillion in 2012. The compression of generations – 25 million adults live at home with parents because they’re unemployed or underemployed.
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Common law - findlaw consumer protection blog, Findlaw' common law blog covers consumer protection law news developments nationwide. Resumes are typically short one (sometimes two) page summaries of a job seekers experiences, skills and qualifications. This page can help you in your efforts by cutting to the chase and giving you FREE access to many professionally written, incredibly designed and industry targeted resumes. To stand out and be successful a resume must make an immediate good impression with the employer, and link your competencies with the employers needs. If you really want your dream job then you must do everything within your power to get it. Your resume is a vital part of your job-search toolbox, it has two aims, firstly to capture the reader’s attention and secondly to reflect everything positive about you. Give examples of how you benefited previous employers (companies want to employ someone who can aid and advance their organisation).
Do not use very small type, a person having to read dozens of resumes in a afternoon is very likely to give up on one that is in very fine print or is crammed and crowded.
Also bear in mind that if you do get to the interview stage your interviewer may speak the language you claim to know. However your hobbies are usually of no interest to most employers and subsequently it is a section of your resume that will not always be read. Volunteer work can imply initiative, strong social involvement, and significant social experience. When applying to a leadership or management position you might want to note your involvement in competitive team sports.
For an engineering or mechanical position, you might omit your interest in sports and instead mention that you enjoy working on your dirt bike or restoring old cars. Your love of skydiving could make you seem like too much of a risk taker for some companies. If you are applying for a desk or office job then you might not seem compatible if all of your hobbies are outdoor, physical activities.
Reading and writing is typically done in isolation and perceived as not very compatible with teamwork or customer service positions.
Unless you are applying for a job as a comedian do not attempt to be funny or include any jokes, it can make you seem unprofessional and immature.
If you have worked for a prestigious company or someone who is well known in your industry, then be sure to mention this.
With the exception of governmental positions, which may require this information, your nationality should be omitted. Any information you give should not reveal the actual names of your current or previous employers’ clients.
Do not use coloured paper, as it can overshadow the content of your resume, instead always use clean white paper with a minimum density and weight of 90gsm.
There are some employers out there who will check this to see whether you have written the resume yourself.
Keep it fresh and current by updating it with the latest training programs and other academic qualifications that you have gained.

Do not jam your resume with text, use white space between the words, lines and paragraphs to improve the legibility of your resume.
Nothing is more convincing and appealing to a prospective employer than a clear, specific and concise explanation of how you contributed to a previous employers’ success.
In this section recruiters will basically be looking for clues about the type of worker you are. If you have worked for a prestigious company or market leader in your industry (if you have then certainly mention this).
Is it possible for anybody to become one of the Stock market’s Elite TradersMany people look and follow the stock market.
Here are three sample hardship letters that can be used as starting points for your own lender communication documents.
If you are struggling to keep up with mortgage payments due to losing your job, applying for a mortgage modification may be in your best interest. If your divorce has made it difficult to keep up with your mortgage payments, this letter is the right template for you to use. A serious illness - whether your own or that of a family member - can definitely cause financial hardship. The government website Making Home provides homeowners with detailed information about the Obama Administration programs to assist homeowners with loan modifications and refinancing.
There are many reasons other than unemployment, divorce and serious illness that may lead to a homeowner needing to request a loan modification.
The key to successfully requesting a loan modification starts with clearly explaining the reason(s) that you fell behind on your mortgage payments. Kindergarten Math Focus Wall DescriptionKindergarten math focus wall The building is clean and bright, student art covers the walls, teachers with a solid background a carefully selected curriculum for both reading and math that is aligned with the district’s The building is clean and bright, student art covers the walls, teachers with a solid background a carefully selected curriculum for both reading and math that is aligned with the district’s When it does, some 550 students from pre kindergarten through eighth Engineering, Art and Math — or STEAM — theme and Melissa Jenkins, the director of literacy, said it will focus on project based learning.
Low wage jobs, higher education tuition pushing many into untenable levels of debt, and a new vision of retirement all seem to connect into one new theme. Coastal regions in California and New York have a hard time understanding what is going on in a large part of the country. What is troubling is that older Americans are not very well prepared for retirement while younger workers have a tougher hill to climb as well.
All of these cornerstones are being challenged under the New Normal when it comes to the American Dream.
I will have to live here for at least a month until I can save enough money to get an apartment. They are often the first contact an employer has with a prospective employee, and are used to screen job applicants and learn more about them.
Job seekers usually end up creating many drafts before they feel comfortable with the end result.
This is a resource page aimed at helping you to write a resume that will give a well-organized and concise presentation of the most relevant information about you. This is because they need resumes to find suitable candidates to fill their vacancy’s, however they very often have to read through piles of poorly written resumes to find the right one. Use it to show where you worked, what you learnt, and how your skills and experience are relevant to the job you’re applying for. These are basically verbs that can make you stand out by putting more emphasis on your experience and achievements. However you should note that a keen eyed recruiter may be able to roughly work out your age from your career history and academic qualifications.
Hiring Managers are likely to quickly discard candidates whose resumes are difficult to read or have the key information buried under a morass of less important text.
Do not include your work number unless you have a private office where you can take phone calls without being overheard. It’s also not wise to use unusual fonts, as apart from making it hard to read it can also be difficult to scan electronically. Hiring managers can be very picky and after a quick glance will discard those that have spelling mistake’s or appear disorganized.
It also takes up premium space which can be used for more relevant information which the recruiter will be interested in. First of all as you are likely have more hobbies and interests than you can include in your resume, only include those that are related to the job you are applying for, or that you think will interest the employer the most. Humour is a subjective thing and since you have no idea who will be reading your CV and whether they have a similar sense of humour to you it’s best not to take any chances. Remember that Hiring Managers will have a stack of CVs to go through, their time is limited and so is their patience. The golden rule is that it should be as concise as possible, but long enough to entice a hiring manager to call you for a job interview.
As long as you are either a native to the country in which you are applying or can provide a suitable working visa, there is no need to explain where you are from. Also be careful about disclosing confidential information about a previous employer’s sales figures or business turnover etc. After you have finished writing it and before you send it out have your resume reviewed by a competent person. They believe that employers already know that virtually all serious applicants have referees and if required they can be supplied separately. The purpose of this section is to impress the employer with your abilities and to cause them to want to ask further questions about your work performance. It’s a place for you to show off your desirable traits and to prove your future value to prospective employers. Mention points which were particularly noteworthy or interesting and which will show that you brought a different perspective to things.
If you don't think you'll be able to get caught up under the current terms of your mortgage, but you are willing and able to make payments, you may want to consider requesting a loan modification from your lender.

Select the template that most closely matches your situation, then customize it to match your specific situation. Click on the image below to download an editable template of a hardship letter based on income loss resulting from unemployment.
If your mortgage is past due as the result of dealing with a serious illness, the letter below can provide a good starting point for you to create your own hardship request. The Making Home Affordable program was started specifically to help people who are facing foreclosure and to revitalize the housing industry.
You can still use one of the sample letters provided in this article as a guide for writing a letter to your lender.
It's also essential that you express a sincere desire to correct the situation and explicitly request consideration for a modification. Where the costs are low, say a community college, you have waiting lists that are nearly comical.
Most retirees are going to rely on Social Security as their primary source of income in retirement. The attitude is that IF you can pay the typical mortgage off in full, you are then free and easy.
These unique examples, which you will not find on any other sites, are all fictionalised, with most (but not all) being in PDF format.
Right here you will learn the basic rules of writing one, and also have access to free resume templates that you can customise and use to create your very own personalised interview winning document. Be sure to check your emails and voicemails regularly to make sure you do not miss any messages left by prospective employers.
Currently most CV experts agree that it should ideally be one page long, however its final length really depends on your experience and the type of job you are applying for, which in turn means it can be two pages long if need be. Once it has been saved to your prospective employer's hard disk your resume should be easy to identify.
Ask them to critique your resume for its appropriateness, errors, typos, or misspelled words. Therefore if you plan to send in your resume as a MS Word document or a PDF, check its properties first. If so, you'll need to write and send a hardship letter that provides information on the circumstances that led to your current financial situation paired with a request to consider different loan terms. Simply download the letter that most closely matches your situation and edit the text to accurately describe your circumstances.
Make it clear that you want to go forward and that you are willing to do all in your power to "make things right." While there is no guarantee that your request will be granted, lenders are often willing to work with borrowers who are proactive in seeking modifications rather than allowing outstanding loans to fall further behind and move toward foreclosure. This means more of the burden is shifted directly onto the employee to meet the needs of basic living.
Debt is a necessary part of our daily lives but be cautious about taking on too much debt when it comes to student debt, housing debt, and auto debt. For all of these reasons they should be well written, concise and only include information that the employer will be interested in and finds relevant. They will give you an excellent idea of how to organize information, create emphasis, and describe your accomplishments.
Our templates have been professionally designed, are of the highest quality and contain powerful industry specific keywords intended to grab the attention of recruiters and get you noticed. Don’t risk throwing away all of your hard work with one small spelling mistake which could blow your chances.
Do this by going to the File menu of a MS Word document and clicking on Properties then look at the Summary and ensure your name appears in the Author box (if it doesn't then simply enter your name there and save it). Here are three sample letters, each one based on a different financial hardship situation, that you can download and edit to create a hardship letter customized to your needs.
Often, the needs are basic (like a lack of adult to talk to and spend time with on a regular basis. In fact, close to 90 percent of stock wealth is in the hands of 10 percent of the population. Each template is aimed at a specific industry sector and has been formatted using margins and bullet points, making it easier for key elements of an individual’s strength to be quickly identified.
The integrated focus on academics, I am incorporating a vocabulary word wall of music terminology into my classroom. That is why in spite of the rise of the stock market by 200 percent since 2009, many Americans remain gloomy when it comes to the economy. To include the district’s math goal has not improved because the focus of a child’s educational career begins in kindergarten.
However, if the public school They also learned about science, technology, engineering and math. Most Americans do know that their wages are stagnant, that food costs are jumping, healthcare is anything but affordable, and the road to a college education is paved with high levels of debt. And this is one payment you HAVE to make, or you will lose that home due to tax foreclosure. Even the cornerstone of the American Dream which is a home, is very expensive thanks to hot money flowing into the sector and crowding out regular home buyers and pushing the home ownership rate to multi-decade lows. What is is the ever increasing focus on turning kindergarten It is our job to build appreciation and understanding for reading, art, math, running and playing, and learning in general.

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