5 Toxic Beliefs That Can Derail Your Executive Job Search - Executive Career Brandâ„¢

5 Toxic Beliefs That Can Derail Your Executive Job Search What Many Executive Job Seekers Are Doing Wrong

All About Delayed Refinancing

All About Delayed Refinancing What You Need to Know about Delayed Refinancing Buying a home is probably one of the biggest financial choices that you will ever make, so its imperative to be well aware of all your financing options. With more than 50 percent of home purchases in the state of New York being all-cash transactions, you might want to consider the benefit of using cash to win the bid on a home. After all, 50 percent is an astounding figure. But what if you dont want to invest all of your cash? Is there a way to overcome this obstacle? Sure, and it comes in the form of delayed financing. This type of financing allows you to pay cash for a home or investment property, directly followed by completing a cash-out refinance, meaning you can put the cash back in your pocket. Heres the lowdown on delayed refinancing FAQ, and how it can be of benefit to you. When did delayed financing become available? As surprising as it may be, delayed refinancing has been available since way back in 2011. Before the delayed refinancing program was put into effect, both buyers and investors were not allowed to complete a cash-out refinance until at least six months had passed since the initial purchase transaction had taken place. Should I consider delayed refinancing as one of my mortgage options? No, because it is not a mortgage option. Delayed refinancing simply erases the original boundary that stopped buyers and investors from completing a cash-out refinance before six months had passed since they bought the property. What requirements do I have to meet to qualify for delayed refinancing? The money (cash) that is initially used to buy the property must be recognized and documented to the bank The refinance loan cannot be greater than the initial loan There cannot be any liens against the home Can I use the delayed refinancing option for properties other than my primary residence? Absolutely. In fact, many buyers and investors take advantage of delayed refinancing on both vacation and investment properties. Also, keep in mind that even if you have more than four properties that have already been financed, delayed financing is still an option in many situations. When does my ability to take advantage of delayed refinancing end? Delayed refinancing is available up until six months after the initial purchase of a property was made. You can still refinance after six months, however, it will have to be through a different program. Am I able to use delayed refinancing as a way to recoup the money I invest in renovations? Wouldnt that be nice if you could? But no, you cannot use this form of refinancing for this purpose. In fact, youll have to wait six months and then meet the requirements accompanied with standard cash-out refinancing guidelines. Is it smart to take advantage of delayed refinancing? If you have cash that you would like to invest in a different way other than putting it toward the purchase of a home or investment property, then yes delayed refinancing is smart. You can use the cash to buy the property, and then acquire the cash back by using delayed refinancing.

Bank Teller Job Overview

Bank employee Job Overview Bank employee Job Overview Bank tellers are the key purpose of client contact in bank offices, including the preparing of an assortment of transactions. Becoming a teller can fill in as a passage level situation in banking, and can help encourage section into higher paying career paths within financial administrations. Be that as it may, this is the exemption instead of the standard. Barely any tellers really are considered intensely as possibility for advancement by their present managers. Business Trends The complete number of employments for tellers will in general follow repeating designs, as significant banks set out on progressive times of extension or compression in the quantity of their branches. The ongoing pattern toward mergers and union of the banking industry (accelerated by the 2006-07 home loan emergency) caused the all out number of bank employee occupations in the U.S. to fall 11.2% somewhere in the range of 2008 and 2012, from 600,500 to 545,300. In any case, business possibilities for bank employees are relied upon to be fantastic for years to come, essentially in light of the fact that the field has a long history of high turnover. While the Bureau of Labor Statistics (BLS), forecasts that occupations for tellers will grow by a unimportant 5,600 positions (1%) in the decade from 2012 to 2022, the high stir rate among tellers implies that numerous positions are continually coming open. Secure Position Openings Utilize this indeed.com search instrument to secure ebb and flow position openings in this field. Training: all in all, a secondary school diploma is adequate, however school graduates are progressively liked. Because of the touchy idea of the activity, any flaw on your record that may rise in an individual verification can block work as a bank employee. Office with numbers and ability in math are musts. Furthermore, the expanding computerization of banking activities makes PC education exceptionally attractive. Great tellers are open to managing clients, have solid oral relational abilities and are good audience members. Preparing: In everything except the biggest banks, the preparation for bank employees will in general be carefully at work, under the tutelage of experienced tellers as well as branch officers (supervisors), with practically no proper homeroom guidance. The BLS reports that such preparing commonly endures about a month. Obligations and Responsibilities The fundamental obligations of a bank employee incorporate getting the money for checks, making stores, handling advance payments and pulling back assets from client accounts. Bank employees additionally help clients with opening and shutting accounts. The activity requires clinging near guidelines and guidelines in regards to the check of clients personalities, the records and exchanges that they are allowed to access or start, and the measures of assets that might be set available to them. Tellers likewise should hold fast to different revealing necessities. The principles and guidelines being referred to are a blend of those set by law or by banking controllers, and those particular to the individual bank. In certain banks and banking situations, the tellers job might be extended to evaluate clients needs and to advertise certain items and administrations to them. Both this part of the activity and that identified with rule implementation request a sharp feeling of judgment, going a long ways past a repetition adherence to schedule. Ordinary Schedule A 40 hour work week is ordinary, however it very well may be longer, given the pattern for banks to suit clients with longer hours, including evenings, Saturdays and even Sundays at times. The days of yore of brokers hours that extended uniquely from 9 to 3, Monday to Friday, are since a long time ago past. In any case, additionally note that today about 33% of tellers work low maintenance. Whats to Like The individuals who appreciate working with individuals can discover collaborating with clients an agreeable part of the activity. It is especially valid for those lucky enough to become tellers in bank offices with light to direct degrees of client traffic, in which time pressure is anything but a significant issue. Contingent upon the bank and on the activity of the individual, a bank employee job can be a steppingstone to more significant level occupations in banking. The most clear subsequent stage is as an official (chief) inside a branch. Whats Not to Like In occupied urban bank offices, tellers can be feeling the squeeze and secure the position genuinely and intellectually depleting. The issue can be exacerbated if the client base is requesting and rushed. Under such time tension, the chance of making computational blunders is upgraded, prompting yet more pressure. After the branch closes, contingent upon the volume of exchanges during the day, and the size and productivity of the staff, the way toward demonstrating up tellers work during the day can be an extensive and upsetting procedure. Regularly, tellers are not permitted to leave for the day until their work is demonstrated up. That is, the money close by toward the day's end must rise to beginning money in addition to money stores less money withdrawals. Similarly, non-money stores and withdrawals (with a money order or electronic exchange) must be checked to guarantee that they were represented accurately. Moreover, filling in as a bank employee bears some danger of physical peril related with endeavored thefts. The open engineering of many bank offices, with tellers generally presented to the clients over a counter, adds to the hazard. High turnover is prodded by low compensation (see the following area). Additionally, while open doors for headway do exist (as expressed above), they ordinarily are restricted. Remuneration Middle yearly wages for bank tellers (BLS occupation code 43-3071.00) were $24,940 as of May 2012, with 90% winning somewhere in the range of $19,630 and $34,320. Likewise with all activity classifications, expect significant geographic pay differentials. Over 90% of tellers gain not exactly the middle yearly pay for all occupations, which was $34,750. In the interim, about 75% of laborers in different occupations procure more than the middle yearly compensation for tellers ($24,940).

Professional Advice For Your Job Search

Professional Advice For Your Job Search A job search can be a highly emotional journey and a time whenyou will want to avoid any investments that will not provide a substantial ROI.Obtaining professional advice or servicesis a critical resource in a successful job search but it is important to exercise your due diligence in your selection. If youve been in your job search for awhile you are aware that there is by no means any shortage of job search advice and services. You may also know by now that there are many organizationswilling to accept a substantial paymentand in returnwill promiseto findyour dream job.There are two words to ensure you make no mistake when choosing professional job search advice or services; CERTIFIED and REPUTABLE. When seeking professional advice for your job search ensure theindividual has the appropriate accreditations and obtaina reference. Do not proceed without investigating recommendations and testimonials. If they are reputable it will be an easy task to verify. The Career Collective isan online community of expert career advisers and resume writing professionals. Each month these experts provide valuable information toassist job seekers to gainthecompetitive edge necessary to succeed in the currentjob market. For professional advice in your job search visit: Blog posts can also be found on Twitterusing hashtag: #CareerCollective Professional Advice For Your Job Search A job search can be a highly emotional journey and a time whenyou will want to avoid any investments that will not provide a substantial ROI.Obtaining professional advice or servicesis a critical resource in a successful job search but it is important to exercise your due diligence in your selection. If youve been in your job search for awhile you are aware that there is by no means any shortage of job search advice and services. You may also know by now that there are many organizationswilling to accept a substantial paymentand in returnwill promiseto findyour dream job.There are two words to ensure you make no mistake when choosing professional job search advice or services; CERTIFIED and REPUTABLE. When seeking professional advice for your job search ensure theindividual has the appropriate accreditations and obtaina reference. Do not proceed without investigating recommendations and testimonials. If they are reputable it will be an easy task to verify. The Career Collective isan online community of expert career advisers and resume writing professionals. Each month these experts provide valuable information toassist job seekers to gainthecompetitive edge necessary to succeed in the currentjob market. For professional advice in your job search visit: Blog posts can also be found on Twitterusing hashtag: #CareerCollective

6 Traits of a Successful Freelancer - Walrath Recruiting, Inc.

6 Traits of a Successful Freelancer - Walrath Recruiting, Inc. Freelancing isn’t for everyone. It takes a certain skill set and traits to be able to handle working on your own for multiple clients. It’s not an easy task, but some prefer it because of the flexibility and constant changing of projects and tasks. If you’re thinking about freelancing but are unsure if it’s the best career change for you, check out this list of 6 traits that successful freelancers have! Self-Discipline When you’re freelancing, you’re your own boss. You’re making your own rules, schedule, etc.. Sometimes people need someone to delegate and doing that on your own can pose as a challenge. Freelancers have to plan their workflow prior to starting projects to ensure they meet project deadlines. In the end, you’re the one accountable for the clients’ work. If something goes wrong or the deadline is missed, you’re the only one there. This trait/skill certainly takes a lot of practice and goes hand in hand with some of the other traits mentioned below. Curiosity Curiosity and creativity go hand in hand. If you’re curious, intrigued, and passionate about a client’s idea, the more you will enjoy your freelancing opportunities. The beauty of freelancing is the ability to choose what you want to work on! The more curious you are, the more people you will meet and the more you’ll see your projects improve. Self-Confidence Self-confidence is extremely important for a freelancer to have. Once you start pitching to clients more, you’ll develop this over time. Don’t let a denial set you back, though! Always take them as an opportunity to work on something else you’ll enjoy! Their loss! The only way to develop confidence is doing more, trying new things, and making mistakes. The more confidence you show, the more clients will trust you and see the passion you have for their ideas. Ability to Sell Yourself Similar to self-confidence, the ability to sell yourself is extremely important. You can’t sell yourself without self-confidence! As a freelancer, you are providing a service to a client that will fit their needs. You need to show them that your implementation ideas are the best of the best and perfectly fit for them. If you aren’t selling your ideas, they’ll likely go to another freelancer or company to get the job done. Show them that you have the skillset and passion to get it done! Organizational Skills As someone working on their own for multiple clients, it’s extremely important to stay organized. As it is always, but even more so. Keep files on your desktop and backup printed copies of projects you’re working on for each client to stay organized. Keep multiple calendars with deadlines and important information to ensure you aren’t missing anything! The more organized you are, the more in control you will feel. Make your workspace inspiring and clean. People Skills When you’re selling yourself, you’re going to need great communication skills! Freelancers are typically very independent workers who like working wherever they can remotely or at home. Why should you need people skills if you’re working solo? Well, you’re constantly pitching to clients and putting yourself out there. This is when communication is super important! You’ll need to communicate effectively to ensure the clients understand the projects you are creating for them. It’s also important to speak up and ask questions so there is clarity on both sides of the equation. Previous work experience is very helpful when deciding if freelancing is the right path for you. You know your likes and dislikes and what work environment works for you. You also have probably gained most of these skills and traits along the way! The more practice you get, the more successful you’ll be.