How Is Term Finance Defined

How Is Term Finance DefinedHow Is Term Finance DefinedAt its most fundamental level, finance is the business discipline concerned with managing money efficiently. It often is rightly categorized as a branch of applied economics. Accordingly, people who are well-versed in the principles of economics typically grasp financial concepts quite readily, if not intuitively. Some of the essential topics in finance include BudgetingBorrowingLendingSavingInvesting In the application of financial principles and methods, there tend to be specialized considerations based on the type of entity in question. As a result, finance often is described as comprising four main categories Individual finance or household finance or consumer financeBusiness finance or corporate financeNonprofit financeGovernment finance or public finance Financial Services and Financial Management Another distinction must be drawn betweenthe financial services industry and the financial management function. Follow the li nk for details. In short, the financial services industry plays these key roles

Media Terms and Glossary

Media Terms and GlossaryMedia Terms and Glossary

4 Communications Skills to Highlight on Your Résumé

4 Communications Skills to Highlight on Your Rsum4 Communications Skills to Highlight on Your RsumHeres somethingrsumreaders see all the timeExcellent Communications Skills. And heres something job seekers never see in a position descriptionMediocre Communications Skills Required. Its hard to imagine any job that doesnt require you to communicate well Yet, it is far better to utilizersumspace by demonstrating your communications capacities rather than simplyclaiming to have them. Of course, communications take many different forms oral or written, public presentations and confidential memos. Depending on the situation, it may require a simple text message or a nuanced argument. You might need to provide a status update with a dynamic spreadsheet or deal with an irate customer on the phone. Bosses need to tell their subordinates what to do and how to do it. Moreover, they need to motivate them by conveying a sense of urgency, purpose, potential rewards or consequences, or a broade r vision. People on a team need to coordinate their efforts. They also need to keep their superiors updated on whats been completed, roadblocks or complications along the way, next steps and so on. The list of whats communicated and how its done is virtually endless, which is why when you say excellent communications skills on arsum,you dont further your cause by much. The Muse offers a list of 185 Powerful Verbs That Will Make YourRsumAwesome. This list can be helpful in prompting you to think about what you have actually done and how yourcommunications skills have contributed to your success. Then you can demonstrate the excellence of our communications rather than simplistically claiming to possess these skills. Here are some examples based on words found in The Muses list1. Writing. What have you written who is your audience and what is the impact of your composition? What happened because you wrote what you wrote? Here are two samplersumpointsComposed talking points for re gional sales people to address X issue our potential customers confront and how our product represents the ideal solution. Campaign improved sales of our product by $X in Y period of time.Composed PowerPoint presentation for a nonprofit hauptplatine of directors and walked them through alternative methods of developing donors and building relationships with them. Guided the discussion to focus on major donors rather than depend on expensive events-based fundraising that consumes greater staffing hours.2. Mentoring. Perhaps youve employed your listening skills to understand how you can use your knowledge and experience to improve the performance of others on your team still trying to learn the ropes.You might be able to use a bullet point like this on yourrsumProvided one-on-one coaching for X employees based on individual needs. Listened to their stories, determined aspirations and conveyed positive feedback to enrich productivity levels. Result Mediocre performers were transformed into the departments star employees.3. Standardizing. This refers to solid business performance uniformity in multiple departments, locations or functions. Things need to be measured, and processes must conform to a single standard in order to be understood by customers, employees and executives alike.Getting everyone to conform requires solid communications skills and can result in quantifiable,rsum-worthy results, such asStandardized locations of key products on store end-caps, resulting in X percent sales increase of seasonal, high-profit items. Conveyed information to all store managers and followed up to ascertain that directions were being followed to ensure store-to-store uniformity.Standardized reporting of sales and costs from multiple departments to present a clearer financial analysis of business to CFO and the executive team.4. Negotiating. geschftlicher umgang is all about negotiating everything from how much one party will pay another, to delivery times and hundreds o f other things. Clearly, excellent negotiating outcomes are dependent on ones ability to persuade a key communication skill. For exampleLeveraged ability to move quickly to gain a competitive advantage, thereby obtained a favorable price on X, resulting in an increased profit margin of $X for Y.Gained a favorable employment contract with X union by providing nonmonetary benefits of value to employees rather than increasing payroll costs for Y period of time. Presented proposal to union leaders and demonstrated why this outcome was of superior value to other proposals that were on the table for discussion. The list goes on and on. You can demonstrate your communications skills when you speak of facilitating meetings, problem solving, marketing and a host of other common workplace activities. The point is simple Show your skills rather than simply claiming them. When you do, you will prove that indeed you are an excellent communicator. Happy hunting

Were our ancestors happier than we are today

Were ur ancestors happier than we are todayWere ur ancestors happier than we are todayPicture this Its the year 10,000 B.C. The sun is just rising.You wake up to the sounds of rustling nearby. A few people sharpen their spears as they discuss the upcoming hunt. After downing a few gulps of water and some dried meat, you collect your supplies in a bag for the day.You go out hiking with a few close relatives and friends to a berry patch. As you pick the ripest berries and place them in your basket, you overhear a funny story that your cousin shares about a conversation that morning. Laughter erupts.The day carries on, dragging the sun along the sky. Beads of sweat accumulate on your forehead while your basket grows heavier. Finally, you hear a call from a fellow forager. Its time to head back.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moraWhen you arrive at the cave, you see a fire has been tisc hset up. As the winds pick up and the sun rests on the horizon, you huddle close by the fire. While the evening meal is prepared, you listen and share stories on the latest hunt.A dinner of roasted mammoth, berries, and leeks is served. Surrounded by your family and friends, you talk about the upcoming journey south as winter approaches and share survival strategies.Eventually, night closes in. The fire gives way to glowing embers. After another tiring yet satisfying day, you curl up in your corner in the cave and drift asleep.At what point would the concept of happiness enter your head? Were we happier a few millennia ago than we are in the present day?We Should Be Happier Today, But Were NotBy contrast, we should be happier today. We have TVs, metal devices that transport us from one place to another and access to clean water and food from all over the world. When we learn about diseases and medical treatments from the past, we cringe at the thought of plagues, bloodletting, and l eeches, thankful that we have things so much better today.But if things are so much better now, are we much happier than we were then?The other day, I was involved in a discussion on what it means to be happy. There were a variety of responses on the topic. People said things such asIf I could get whatever I wanted, I would be happy.Happiness is about having a balance of work, family, friends, and health.Mindset is the key to happiness.All of these explanations make sense on the surface. It seems that happiness is centered on getting what we want, having a positive mental state, or both. And yet, while all these ideas sound great in theory, the reality is starkly different.For instanceThere are some people with great jobs that should be happy, but arent.If the recipe to happiness is having a great balance of work, family, and health, why do people with all this feel bored and dissatisfied?Mindset is important, to be sure. But if happiness is simply a choice, like an on/off switch in the room, why cant people make themselves happy?The concept of happiness involves more than simply thinking your way towards it. And as society continues to evolve, things only get more complicated. Happiness, in the midst of all this, seems to move farther away.Why is that? Why is it that, despite the fact we have more conveniences, technology, and options than ever before, so many of us are unhappy or even depressed?Enter the Hedonic TreadmillTheres a concept called the hedonic treadmill. It states that humans have a tendency to revert to a baseline level of happiness despite the positive or negative events that occur in their lives.Lets look at this concept on a large scale. In society, advancements are made as time progresses. Electronic devices get smaller, machines become more productive, and we become more efficient as we discover new techniques and enhanced methodologies. Yet, when it comes to happiness, those improvements are also a double-edged sword.After a while, we get used to those levels of technology, healthcare, and productivity. We adapt. When conditions go up, so do our expectations. Unfortunately, those increased expectations leave us dissatisfied and wanting more.In our personal lives, we also run a hedonic treadmill to nowhere. We want things, and when we get them, we experience a small spike in excitement. But before long, we return to our baseline happiness level. Like a hamster turning a wheel, were perpetually fixed in a never-ending cycle.Astudywas performed that looked at the happiness levels of two very different groups of people recent lottery winners and accident victims that were left paraplegic. They were also compared to a control group consisting of an ordinary sample of people. While we might expect the lottery winners to be incredibly happy and the victims to be devastated, the results showed something else.Lottery winners rated the pleasure of everyday activities, such as hearing a joke, eating breakfast, or reading a mag azine, as no higher than the control group. Accident victims, on the other hand, werent as unhappy as one might expect. If anything, they rated slightly higher than lottery winners in the pleasure they felt from mundane activities.Although the lottery winners rated higher in present happiness than accident victims, the victims happiness levels were still higher than the midpoint of the happiness scale. The study also predicted that the effects of any significant event, whether positive or negative, would wear off with time. If anything, winning the lottery created a contrast effect in which nothing could ever measure up, making everything else from then on less enjoyable.In what is known asaffective forecasting, we like to predict how well feel about something in the future. Unfortunately, our predictions are wildly wrong. Were generally terrible at predicting what will make us happy.We believe attaining something will give us lasting happiness, when others who get what we wanted ar e no happier in the long run. Or, we think we want one thing if put in a certain situation, but when were actually there, we want something completely different.When you combine our inability to recognize what we really want and tendency to adapt, its no surprise were never quite satisfied.Seeking Happiness No Matter the ConditionsHappiness is more than simply the circumstances were in. No matter our conditions, we tend to acclimatize to just about anything if given enough time.On one hand, getting used to our circumstances can be a positive. Something unfortunate happens, were temporarily devastated, but then we gradually revert back to life as usual. On the other hand, that same tendency can leave us dissatisfied. While we might feel on top of the world after reaching a milestone, our initial excitement wanes and were left wanting more.So how can we reach happiness, regardless of our current state and situation? Here are three ways1. Redefine happinessHappiness is associated with broad smiles, arms raised in celebration, and a general feeling of euphoria. When a positive outcome occurs, such as winning a competition or finally getting that promotion, you think, Im really happy. After a while, its back to the grind. Your happiness disappears.This is the modern state of happiness. If this sounds familiar, its time to change your perception. The problem with thinking about happiness as an emotion is that its a temporary state. It doesnt last. Instead, think of happiness as a way of life, away of living.For example, happiness isnt about painting a masterpiece. Happiness is about painting in the first place. Happiness isnt about receiving recognition for good deeds. Happiness is about helping others in the first place.When you shift the way you see happiness, you also shift your perception of everyday life. Happiness isnt about reaching the end goal because happiness is the end goal.2. Seek new experiencesThey say money can buy happiness. Well, sort of.Research h as shown that when given a choice, youre better offbuying experiences rather than objects. Objects provide that rush of excitement for only a brief period. Then we adapt. The object, no matter how unique, how shiny, how lavish, eventually loses its luster.Experiences, however, are temporary by nature. So, you soak up those moments and make the fruchtwein of it because you know it wont last (leaving only fond memories behind). Also, experiences are difficult to quantify in terms of which is better. You cant definitively say that a trip to Brazil was superior to a weekend camping outdoors.Each experience is different and novel, providing greater satisfaction in the long run than adding another decorative item to your home.3. Connect with peopleThe great irony with todays communication devices is that in some aspects, its become more difficult to connect with people. While we savor the convenience of being able to send an email or a text, we forgo that face-to-face interaction that wou ld have been necessary in the past.Sometimes, it even feels preferable to hide behind a screen rather than talk to a real, live person. Weve come to accept our lives of solitude, isolated from others. But tribes have their strength.Back in our ancestors days, people worked together, ate together, and lived together. While staying in groups was necessary for survival, there was also a sense of assurance in knowing we could rely on others for help and that they were facing the same joys, trials, and tribulations.Today, we still rely on networks to survive. We communicate with others to exchange ideas, share knowledge, and support one another in achieving goals.Joining a community or calling up a friend might be just what you need to set yourself on a new path. Signing up for a new experience can lead you to meet interesting people. When you invite serendipity into your life, you increase the chance for opportunities to emerge.Its Not That ur Ancestors Were Happier, Its That Expectatio ns Have ChangedThink about it. If people truly were much happier in prehistoric times, then there wouldnt be an urge to keep progressing. Things would have stayed put, just the way they always have been. If people were happy with how things were, why would change be needed?Just as our long-ago ancestors grumbled when the water source was further away than at the last camping spot, we grumble today when the internet is down or even a little slower than usual. These are two very different situations, but they also parallel one another. After all, the problem is one and the same were not quite satisfied with the current situation, so sooner or later we have to do something to ignite change.While changes usually bring improvements, a host of new problems rise up as well. Sure, things may be objectively better, but our expectations go up too. In the end, we dont feel much better. Were forever on the treadmill.If thats the case, then its up to us to change the way we approach our circumst ances. Are you embracing the present (as opposed to reliving the past or daydreaming about the future)? Are you creating experiences for yourself? Do you put your electronic device down long enough to interact with the world around you?When you start taking responsibility for your actions, you start taking responsibility for your happiness.This article first appeared on Jump Start Your Dream Life.

Experienced Painters and Sculptors Resume Template 2018s Top Format

Experienced Painters and Sculptors Resume Template 2018s Top FormatExperienced Painters and Sculptors Resume Template - 2018s Top FormatCreate ResumeGrace Mitchell100 Main Street, Cityplace, CA, 91019(555) 322-7337 example-emailexample.comSummaryVisual artist who is a master potter, painter, and stained glass maker, and has groe nachfrage and managed her own business for the last fifteen years. HighlightsCreative and artisticSelf-motivated professionalBuilt and managed two businessesWorked with several artists, and types of peopleAble to teach throwing, painting, and stained glass productionAccomplishmentsCreated and opened a pottery studio that offered throwing, and paint your own pottery classes. Managed and built a 15 year old housekeepingbusiness. ExperienceOctober 2010 to October 2013, Business owner Lakeview, ARBuilt and managed a housekeeping business.Owner and ManagerOctober 2007 to October 2010 Dynamic Clay Studio Plainfield, VTCreated and managed a pottery studio that of fered classes in throwing, hand building, and paint your own pottery.November 1998 to October 2010, Business owner Montpelier, VTBuilt my own housekeeping business from scratchManaged up to 20 accounts at one time.Teacher, and studio artistJune 1999 to June 2007, River Street Pottery Montpelier, VTWorked with several pottersTaught throwing, glazing and hand building.EducationBachelor of Fine Art painting and anthropology, 1998, Arizona State University Tempe, AZ, United statesGraduated Magna Cum Laude, with a BFA in Painting, and a minor in Anthropology. Customize ResumeMore Art, Fashion, and Design Resume TemplatesEntry Level Painters and Sculptors Resume TemplatesExperienced Photography Resume TemplatesEntry Level Photography Resume Templates

New Step by Step Roadmap for Career Change Resume Samples

New Step by Step Roadmap for Career Change Resume Samples For instance, the summary section ought to be written in the very first individual. Resume objective statements, if used, should illustrate what you could do for the prospective employer rather than that which youve done before for your prior business. Each one has to be very distinctive and specific to the individual conditions. Adapt this sample cover letter to satisfy the requirements of your particular circumstance. What You Should Do to Find Out About Career Change Resume Samples Before Youre Left Behind There are lots of individuals working a particular job but dont have any aptitude in performing that job. My liaison skills with clients and agencies will give your company with the very best level of succeeding. The absolute most important skill for the job which you are applying to should go first. If you would like a job which is entirely different from your previous roles, it can be difficult to convince po tential hiring managers that youre a very good fit for the job. Career Change Resume Samples the Ultimate Convenience One of the actual keys to successfully changing careers will become your networking abilities. When applying for work, its advisable to phone in advance and learn if the business youre applying to scans their resume submissions. Most resumes show plenty of work history that suits the work description. When referencing work change cover letter template, examine the intro as a means to grab attention from the beginning. The Career Change Resume Samples Stories Recent roles ought to be described in detail. If you are thinking about a career change, you should think about the professional resume writing services provided by Distinctive Documents. You need to make koranvers youre in a standort to include all the required information necessary for the career change. You may have a foundational resume that compellingly articulates the most crucial info, states Hei fetz, but you need to alter it for each opportunity. You should incorporate a Career Summary (or Professional Profile) at the start of your resume to establish who you are, what youve got to offer and exactly what youre searching for, and it has to be tailored specifically to the position youre applying for. You want to underline the skills you are able to bring to the new career, not your previous jobs. Career changes are somewhat more common than you may think. Research shows that the typical worker switches jobs 10 to 15 times over the duration of a career. You will need to make certain that you dont become anxious and tensed about getting the job. What will be able to help you to get work in the area which you desire is a well-written and convincing career-change-level resume. When applying for employment, always submit a cover letter with your resume, especially if youre searching for a career change. Keep in mind that if you undergo a career job change, it can prove to be a fairly long procedure and take some moment. There are not any hard and fast rules and each resume must be tailored to the position which you are seeking, how you need to get perceived, and what exactly you have in past and present positions that relate to their existing career targets. Make certain you didnt miss whatever could cost you the job that you dream about If you are looking for a career change, the most significant thing you can do is decide on where it is you would like to be professionally. If youre prepared for a career switch, the very last thing you would like to do is start over. While it can be an intimidating job to compose a new resume and cover letter if you make a career change, there are things you can do in order to make the process simpler. You may be unbelievably proud of something youve done before, but nevertheless, it should only be included if its related to the position. No matter the reason might be, when changing careers there are specif ic measures you should take to guarantee a seamless transition. Bear in mind, youre not the only person who has gone through or is now going through a career change. When you set your career change objective resume together, you wish to make it as simple as possible for the employer to observe how your abilities and abilities would be a fantastic fit for the position. While working in a particular position, you could have developed abilities youll be able to apply to a different area. To begin with, concentrate on the skills which you have honed in your preceding career to persuade a hiring manager they are vital for the field youre applying for. Transferable Skills There are a lot of core abilities and competencies that may be applied to many different careers. What to Do About Career Change Resume Samples A properly formatted ASCII e-resume gives you the ability to cut and paste your resume in the body of an email, send it over any email system on earth, and be sure your r esume will look the exact same no matter where its sent. Writing a resume can be an intimidating task. Its possible to supplement whats on the webpage with links to your work but you need to motivate the hiring manager to take the excess step required. Scannable resumes need specific page designs because computer scanners cannot read certain products.

3 Recruiting Strategies to Reduce Stress and Increase Staffing Placements

3 Recruiting Strategies to Reduce Stress and Increase Staffing PlacementsThe staffing industry is a fast-paced, competitive world and its speeding up. According to a recent report, 2018 Growth Hiring Trends in the United States, by our team here at Spark Hire, 77 percent of companies plan to increase their staff by 25 percent in the coming year. To compete against other staffing firms and in-house recruiters, you need to level-up your recruiting strategies. But this is harder than it seems. Youre already overwhelmed with everyday tasks, continual networking, client demands, and the stress of deciding who is the best fit for each open role. So who has time to sit down and re-assess recruiting strategies? The good news is you dont need to sit and wrack your brain for hours on complicated steps that will add more to your schedule and workload. With the right tactics, you can add advanced recruiting strategies to your plan while simultaneously reducing stress on the job. 1. Become a tec hnical expert fastStaffing agency recruiters dont have the luxury of recruiting for familiar roles. Unlike in-house recruiters, theyre tasked with being experts in various roles, fields, and industries. While you need to act fast in order to place top talent, its nearly impossible to successfully match candidates with roles if you dont fully understand the technical side of various industries. Knowing this puts a lot of stress and pressure on recruiters. Finding recruiting strategies that allow you to not only learn about complicated fields but also move quickly is a challenge. However, taking a small amount of time to become a knowledgeable expert will reduce stress immensely. Rather than feeling like youre interpreting clients cultures and specializations, youll feel like a confident expert. Make time to become an expert in each clients field. staffingClick To TweetBuild this technical confidence by signing up for industry trend email updates. Organize each industry into specific folders so youre not overwhelmed. When you find something interesting or seemingly impactful, reach out to clients to see how those trends impact their organization directly. This will save you from the stress of last-minute shuffles, better prepares you for candidate questions, and allows you to choose candidates with the know-how of an in-house recruiter. 2. Focus on the candidate experienceExternal recruiters work hard to keep clients (and money) funneling in. And fast-paced fields can quickly cause employee burnout, leaving the candidate experience to suffer. When relationships are at the focal point of your recruiting strategies, however, that burnout can be significantly reduced. Unfortunately, vague descriptions of company culture and ideal candidates create a domino effect. Relationships with candidates arent solidified, clients arent getting the candidates they need, and referrals drop. A positive candidateexperience cant be formed without quality relationships.Click To Tw eetWhen this happens in the staffing industry, its often due to recruiters feeling like outsiders looking in. And, in many scenarios, this is truly the case. No matter how hard you try, youll never know a companys culture, quirks, and perks like a direct employee. Let your recruiting strategies be proactive about this fact. Reduce your own stress by suggesting on-campus visits and interview lunches. This will help clients find the best fit for their team while reducing your stress of finding the best final placement. 3. Get a little craftySometimes qualified candidates arent popping up as quickly as you and your team hoped. To fix that, you simply go in and alter punkt details and job descriptions, right? Wrong. This isnt the way to deal with a slow influx of qualified candidates. While in-house recruiters can get away with this, your recruiting strategies need to be a bit different and this is a good thing. Needing to get creative, assess the situation, and consider both client an d candidate expectations makes you even more motivated and equipped to find the right fit for each position. Head-off the frustration of exhausting talent pools with creativity. Look into your clients social media networks and find passionate customers. Reach out and let them know the role youre looking to fill, why theyd be a great fit, and that youd appreciate any referrals. Get outside of the office and find industry-specific fundraising, networking, and awards events. These are great opportunities to connect with passive candidates are start meaningful, long-lasting relationships. Are you taking steps to reduce staffing employee stress? Tell us how