Women carrying two-thirds of the outstanding student loan debt

Women carrying two-thirds of the outstanding student loan debtWomen carrying two-thirds of the outstanding student loan debtFirst, the good news More women are going to college. According to a new report by the American Association of University Women, 56% of todays enrolled college students in America are women. But that achievement is being coupled with the stress and anxiety of student loans needed to finance that college dream. And this burden is being carried by more women than men. In 2016, the average woman left college owing $21,619, compared with the average man owing $18,880 when he left college.In total, women are shouldering two-thirds of the nations outstanding student loan debt, a staggering number that is almost $900 billion as of 2018.Why women are carrying more student loan debtDemographically, it makes sense that more women are dealing with student loans since more women are going to college than men. But that is not the full picture, the report suspects. TheAmerica n Association of University Women suggests that the gender pay gap is another factor as to why women are dealing with more student loans debt than men.From their first post-grad job, women get trapped in a cycle of being underpaid. The report found that women working full-time with college degrees were making an average of 20% less than their male counterparts four years after graduation. This aligns with other gender pay gap research. A separate studyfound that Millennial women willmake less money and make slower career progressthan their male peers despite equal qualifications in the first five years of their career.Because of the gender pay gap, they have less disposable income with which to repay their loans after graduation, requiring more time to pay back their student debt than do men. As a result, women hold nearly two-thirds of the outstanding student debt in the United States, the report states. Lower pay means less income to devote to debt repayment.When you are making le ss money, its going to take you longer to repay your student loans. In the four years after graduation, women paid off 31% of their debt, while men paid off an average of 38% of their student loans debt.Despite the financial risks and difficulties that now accompany earning a college degree, women are still enrolling and graduating at higher rates than men, and borrowing and repaying larger loans than men, the report concluded. Our system of higher education should not be a source of major financial risk for vulnerable students. We can do better.

Project Governance Structures

Project Governance StructuresProject Governance StructuresDo you know what project governance is and what it looks like? Or what to do if you are working in an environment where it doesnt exist? Lets start with a definition. Project Governance a Definition Governance in project management terms refers to the policies, processes, standards, procedures, and guidelines that determine how projects are led, run and controlled by your organization. Governance can be extensive and heavy with lots of bureaucracy, or sketchy and light (in which case it is probably inefficient). Managers should aim for the right level of governance for their environment and culture. Making sure your governance policies are fit for purpose is a key factor in ensuring that they are effective. Governance starts at the top. The company board should be committed to the idea of good governance and the fact that projects should be managed properly, within specified guidelines. This attitude and the standards that are expected will filter down to Project Boards and project leaders (and program teams, where behauptung exist). Why Project Governance Matters Your project sponsor and other key stakeholders want to know that you are spending the project budget in the right way. They want to see that you are tracking your projects progress effectively and stepping in to manage project risk as necessary. But the rationale for good governance on projects goes further than that. Governance is demanded by clients, especially those in the public sector. Governments and regulators ask (and in some cases, enforce) certain standards for certain projects. Governance isnt just an internal issue many companies operating in regulated markets will have to follow guidance from external legislation, like Sarbanes-Oxley. Project governance makes up a small part of being able to prove that your company operates effectively and within the specified guidelines and regulations for your industry. Project governanc e also helps you Improve your return on investment and track those investments effectivelyGain buy-in for projectsAvoid the common reasons why projects failCommunicate more effectivelyIntroduce standardization across projects, making it easier to compare the performanceMinimize riskDevelop and motivate staff in a structured environment What Project Governance Looks Like So now we know what project governance is, what does it look like on a project? Here are the kinds of activities that demonstrate governance in a project environment There is a disciplined project management life cycle which includes defined points for approval. These are points where the viability of the project is discussed and a decision is made as to whether to continue with the work or not.Projects have a clear geschftlicher umgang case, and geschftlicher umgang cases have enough information to enable management teams to make the right decisions.Those decisions are adequately documented and communicated.Peop le working on projects have defined roles and responsibilities.There is a culture of continuous learning that allows project teams to continuously improve and to discuss lessons learned in a blame-free environment. There are processes and procedures that enable project teams to review their project and to ask for independent support if required.Stakeholders are engaged and they trust the process.Project teams are made up of individuals who are experienced and qualified in the relevant roles. Governance of projects is linked to the governance structures in the organization overall. If you think that the main aim of project governance is to ensure that projects are carried out in the right way, you can see how it links to financial governance at a corporate level, corporate risk management and more. Project governance should fit seamlessly into your current organizational processes. In other words, dont create a brand new financial management process when you already have one that wor ks in other areas Use what currently exists and tweak corporate processes to make them suitable to use in a project environment. 5 Areas of Focus for Project Governance When you start looking into it, youll realize that project governance is pervasive through all the elements of project management. However, there are some key focus areas where governance is particularly relevant. Methodologies and Processes These help you deliver work reliably and sustainably.Knowledge Management This is crucial for lessons learned and ensuring that the organization learns from project experience. Knowledge management is essential if you want to stop making the same mistakes multiple times.Project Management Maturity As your organizational project management maturity increases, so will your ability to deliver successfully.Senior-Level Buy-in The commitment to project governance starts at the top. If you have management support, this will cascade down through all levels of the business and the ap proach to governance will be more sustainable. Supportive Culture A culture of support, not blame, will ensure project managers have the right environment in which to thrive. A supportive culture, led by the Project Management Office or Project Director, will help project managers reach their goals and those of the project. What to Do If There Is No Corporate Standard Many project managers in smaller organizations find themselves running projects in an environment that is supportive, and where there is buy-in for the concept of project management, but without the formal organizational structures in place from which to feed off. In that situation - and it isnt exclusive to small organizations - youll be designing your project governance model from scratch. If there isnt a project governance approach that you can take off the shelf and fit your project, youll have to build your own. Thats not as difficult as it might seem Start with umgebung up the basics Create a roles and resp onsibilities documentMake sure you have a project sponsorMake sure you have a Project Board or steering group and arrange regular meetings for which you take and distribute minutesSet up a risk management processSet up a change management processBuild points into your project schedule where you check the viability of the project against the original goals of the business case (the end of each stage of phase is the natural point to put these checks). Ultimately it is the project sponsors responsibility to ensure that there is adequate governance, but project managers can also take an active role in this. Governance might be one of the drier subjects in project management but its one of the most important. Its the way that senior management teams know that you are doing a good job and it reassures them that the project is unfolding as it should. It also provides the checks and balances necessary for managers to know that money is being spent in ways that are appropriate and aligned to the business case.

Customize this Professional Staff Auditor Resume Sample

Customize this Professional Staff Auditor Resume SampleCustomize this Professional Staff Auditor Resume SampleA strong resume works to demonstrate to potential employers how valuable you are as an employee and why you ought to be hired instead of the others who are applying for the same position. As an auditor, you know you face tough competition when searching for a new job, and so you ought to know you need a resume that stands apart from the crowd. Designing that perfect resume can be difficult, however, so it is often useful to get some outside help in your writing. You can use our staff auditor resume sample to begin composing your resume, or you can use it as a comparison against your completed resume to look for areas that may need some strengthening. You can also use our resume builder for extra assistance.Create Resume Gordon Eastman100 Broadway LaneNew Parkland, CA 91010Cell (555) 987-1234Professional SummaryStaff Auditor with extensive experience in the areas of internal and external auditing, budgeting and financial accounting. Proficient research with excellent analytic abilities. Specialized leadership and management abilities.Core QualificationsAudit and accounting proceduresRisk assessmentKnowledge of accounting softwareManagerial skillsAnalytic and research skillsTime managementExperienceStaff Auditor, March 20011 February 2015United Auditing New Parkland, CAReviewed audit programs and risk assessments for clients.Performed compliance testing for clients with budgets of over $500,000.Arranged payment of invoices.Engaged in timely collection of receivables.Staff Auditor, July 2009 March 2011United Computables New Parkland, CAPerformed audit field work for approximately 20 fincancial institutions.Developed solutions to reduce delinquent account balances.Assisted chief accountant with various duties.Education2009 Bachelor of Science, AccountingNew Parkland University New Parkland, CACustomize ResumeWhy Is This a Good Staff Auditor Resume Sam ple?A good resume starts with a professional summary so the reader can quickly get an overview of who the applicant is as a professional, what the applicants personality is like, and what experience the applicant has in the field. You ought to keep it short and informative, just like in this staff auditor resume sample. This is a good example because it is concise, with only three sentences, and it clearly explains the jobseekers skills, strengths, and experiences. Most job applications state necessary and recommended qualifications for the applicant to possess, which is where the core qualifications section comes in. As in our staff auditor resume sample, you want to itemize your qualifications in a list of bullet points, because these are easy to read quickly. Most hiring managers only have a few seconds to get through your entire resume, so you want it to be as easy to read and remember as possible. The job experience section is one of the most valuable sections, because it allow s you to show the hiring managers how you have contributed to your past jobs and made your previous work environments better. A good resume will include metrics, or quantifiable numbers, in the job experience section to demonstrate how exactly you contributed to employers in the past. ur staff auditor resume sample does this well by including figures like budgets of over $500,000 and 20 financial institutions. By including hard figures, the jobseeker clarifies for hiring managers what exactly his responsibilities were, so the managers know precisely who they are hiring and with what he has experience to ensure a suitable hire.The education section does not need to be long unless you have recently graduated. If youve been out of school for a while, simply list basic information so the employer can know that you do have a degree.Why You Need a Strong Staff Auditor ResumeThe anticipated growth rate for auditors is 11 percent by 2024 according to the Bureau of Labor Statistics, which is faster than average. This is good news for those entering the field, but that does not mean you will not need a great resume. The job market will likely be flooded with jobseekers in the next few years and you dont want to get lost in the crowd. You need a strong resume to demonstrate your worth and show employers that you are a valuable employee to hire, not just another name in the applicant pool. Using our staff auditor resume sample helps build your resume into a document that is easy to read and remember and that puts your qualifications and experience at the front for readers to clearly see.Costly Staff Auditor Resume Mistakes To AvoidThere are many mistakes that you ought to avoid when creating a resume, such as including incorrect contact information, misspelling words, and formatting your sections in a way that is difficult to absorb. However, in addition to these, there are other mistakes that auditors in particular should avoid when writing their resume.As mentioned abov e in our staff auditor resume sample, including metrics is important, to the point that it can be be costly if you do not put them in your resume at all. As an auditor, you deal with finances and numbers all day the main focus of your job is to work with other peoples money and figure out how to reduce costs and maintain higher cash flow. So whenever possible, you need to include metrics to show how much money you deal with, how much you saved, how much you increased efficiency, etc. You want your employer to know how much better their company will fare with you there as staff auditor.ConclusionIn a growing industry like auditing, you need a strong resume that will put you at the front of the pack when applying for jobs. An easy-to-process document can make it more likely that hiring managers read your resume in its entirety and remember what you said. You should use our staff auditor resume sample to sharpen your own to increase your chances of landing the job you want.

How to Get Your Coworkers to Like You

How to Get Your Coworkers to Like YouHow to Get Your Coworkers to Like YouHave you ever been in a workplace where things just didnt seem to click between you and your coworkers? Perhaps no one can be bothered to utter as much as a civil good morning each day. Maybe things are a bit worse and your office has resorted to passive-aggressive notes being pasted on the fridge, marking lunch bag territory or vague signs that start off with to whomever is doing X. If the headline of this article enticed you enough to earn a click here to read more you probably have been in the position to experience at least one of the above unfortunate circumstances in your job. Not only can hostility or lack of good relations make for an awkward work environment, it can also stunt productivity and make teamwork inefficient or darn near impossible. While this may be a dire picture, all hope is not lost. Whether youre already in a predicament or are simply looking to avoid problems, we have a host of solid s uggestions for how to get your coworkers to like you. Make Your Co-workers Feel ImportantEveryone, including yourself, wants to feel valued in their work and personal life. One of the best ways you can set the tone for good office relations is to let your coworkers know that you value their efforts and appreciate their input. Show appreciation when a job-mate has a job well done and dont be afraid to stop someone in the hall for a quick compliment on some aspect of their performance. These little details will go a long way towards warming a chilly coworker relationship. Listen to What Your Coworker WantsHaving goals, needs and desires is a huge part of feeling fulfilled in your work life. If things are on the outs with a coworker, it may be due in part to them not feeling as if their professional needs are being met. Whether its more resources for a project or increased responsibility or the chance to progress, actively listen to what your coworker desires most and communicate with them in terms of behauptung goals. This will help you feel like youre working together to achieve career success. Take a Sincere Interest in Your Co-WorkersIf youre looking to form sincere, friendly relationships with your coworkers, you should probably start eliminating the word I from your vocabulary. Demanding workplaces can be stressful environments and its nice to know that someone cares about how youre doing both personally and professionally. Try interacting with your workmates by asking how theyre handling the workload of the new project. As you become more familiar, ask after their family, pet or a social hobby theyve made known to the office. This will go a long way towards showing youre interested in your coworkers well-being. Start Doing Things for OthersNotice that your coworker is under the weather or overwhelmed by a massive project or deadline. If you have the capacity, offer to step in and help out at the appropriate time. Being a team player is an important part of forming office commaraderies. It can also help out when you find yourself in need of an extra set of eyes or pair of hands. Ask your workmates on a regular basis if they need your assistance and dont forget to occasionally go outside of your specific department to demonstrate to your company and management your willingness to take on duties and responsibilities. SmileThis piece of advice for workplace happiness may seem a little basic, but its guaranteed to work. Across cultures and even species, a smile is one of the easiest ways to communicate friendliness and approachability. Both of unterstellung qualities will serve you well in winning over coworkers. Everyone is bound to have a down day here and there so dont feel obligated to put on a happy face at all times. Do make an effort to smile and be approachable in your interactions and perhaps youll find your own mood improved as well as those of your fellow employees. Ask Questions and Actively Listen to ResponsesOne of the big gest hurdles to happiness in any personal interaction is the feeling that a person is not being listened to. If you want to be on friendly terms with your coworkers, practice asking questions and listening to their responses. Taking a few minutes to stop talking and responding can allow you to process what is being said and can help you understand differences in thought process and the inevitable opinion. Asking someone to explain their thought process is one of the simplest and most straightforward ways to meaningful, and peaceful, communication. Make Suggestions Instead of Expressing OpinionsAlong the same lines as asking questions, people often have a difficult time keeping their cool when replying to another persons opinions. Especially in the workplace, opinions often provide no meaningful path to resolution. Stating how you feel about a subject also allows your coworker to draw their own opinions, which can lead to misunderstanding. Instead of expressing your opinion on a topi c, rework your response into a suggestion for an action or approach. Youll get much further and help avoid the pitfalls a case of the I feels may bring. Avoid Telling People they are WrongIf youre sensing a theme among the last few hints and tricks to coworker happiness, youve hit the nail on the head. Telling someone they are wrong is a form of opinion expression that is unhelpful at least and damaging to relationships at worst. Instead of telling someone theyre wrong, try instead asking them to clarify their opinion or state your alternative opinion in the form of a question to open up a dialog. Often times a wrong approach can be chalked up to misunderstanding in communication. When Youre Wrong, Admit ItWith all that being said, if you find yourself in a position where youve made a mistake or were clearly in the wrong in an interaction or approach, fess up. Taking responsibility for your actions and words will earn you much more respect than a stubborn denial of reality or an at tempt to sweep problems under the rug. If youve done something hurtful, apologize, and if youve made a mistake, try to make things right. Youll earn the respect of your coworkers or, at the very least, wont pile on the contempt. If You Must Criticize, Use TactEspecially if youre in a management position, there will be times when you will have to offer up constructive criticism or correction to your workmates. Remember to be respectful and keep in mind the golden rule of treating others how you would want to be treated during these interactions. Avoid criticizing coworkers in front of the rest of your teammates or others in the office. Additionally, instead of telling someone they made a mistake, offer up constructive criticism on what would have been a better or more effective approach. Remember the old adage that you collect more bees with honey than vinegar and youll be able to promote coworker happiness even in difficult feedback conversations.As a closing thought, its nearly imp ossible to be a one person show in any work environment. You will inevitably need to rely on the help of your coworkers at multiple levels of company hierarchy. Building and maintaining friendliness with your coworkers is rewarding and well worth the extra work in the benefits youll receive in productivity and contentment in the workplace.

Ruthless Resume Help.com Strategies Exploited

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The Pain of Merchandiser Resume

The Pain of Merchandiser Resume If you become stumped while writing, simply review the expert merchandiser cover letter sample again and make certain to center on what you can do to help the organization. While the above retail merchandiser sample job description is a very good outline to follow, there are some additional tips that will allow you to compose a job description that will bring in top candidates. A garment merchandiser needs to be aware of the company targets and quality standards together with the superior standards acceptable limit to every buyer. Life, Death, and Merchandiser Resume Payment of the merchandiser is the duty of the vendor company, not the host shop. Merchandising jobs are available nearly throughout the nation and can be seen at most large retail firms. Merchandiser salary expectations are normally right around $30,000 each year. Merchandiser jobs are observed in nearly all retail businesses. Its possible to also see Proofreader Resume. To fin d out more on what it requires to be a Merchandiser, have a look at our complete Merchandiser Job Description. To learn more on what it requires to be a Retail Merchandiser, take a look at our complete Retail Merchandiser Job Description. Up in Arms About Merchandiser Resume? Retail requires the precise opposite. When the item is on the shelf, the shop only has to make sure the stray products return to the shelf as opposed to doing the entire thing. The ideal Merchandiser Resumes are written with plenty of effort and following days of research on occasion. Because of this, to be a great merchandiser, some qualification ought to be maintained. Actual goods and manufacturing knowledge will enable a merchandiser to take correct decision in such instances. If you wish to be a skilled merchandiser then youve needed enough knowledge of the planet current sector. If youre applying for the place of a merchandiser, it would be safe to assume you have an innate talent for shopping. In addition to, it is going to create a terrible impression on the merchandiser. The job of a merchandiser is a fairly glamorous and attractive one, especially if you adore shopping. An excellent merchandising kollektiv will see to it that the development of a factory.