Show Millennials You Care Help Them Tackle Personal...

Show Millennials You Care Help Them Tackle Personal... In 2013,  New York Life released the results of a survey  that included respondents from three generations. Although the survey covered a number of different areas, the responses regarding financial satisfaction were particularly revealing. Approximately 68 percent of the baby boomers expressed satisfaction with their economic situation. Among their children the generation Xers 51 percent stated that they were financially satisfied, and for their grandchildren (millennials), the number dropped to just 49 percent. An important element in the lack of financial satisfaction hinged on the perception among millennials that they perceive that the things their grandparents took for granted home ownership, a comfortable retirement and a steady job providing escalating income may be much more difficult for them to attain. The Retirement Picture: Gloomier for Each Successive Generation   Since millennials began entering the workforce during the first decade of the 21st century, they have been forced to deal with a variety of challenges that were not commonly encountered by the previous two generations. As a group, baby boomers could build a satisfactory retirement plan based on their employers pension plan and Social Security, supplemented by a mortgage-free home and relatively little consumer debt. Generation Xers lived through the  trend away from employer-provided pensions  to employee-funded plans, such as the 401(k). Although home ownership was still within their reach (again, as a group), they have been slower to pay off a mortgage and faster to incur consumer debt. They have also been more inclined to trust that Social Security will provide a retirement income. Millennials are Becoming Pessimistic about Obtaining Financial Security Millennials, on the other hand, express doubt that Social Security will still be available by the time they retire. However, many of them state that they are unable to save for their retirement because all of their earnings must be devoted to more immediate needs such as buying a house. Millennials are Typically Saddled with Substantial Debt by Graduation In addition, millennials are often deeply in debt by the time they earn their degree, thanks to student loans and credit cards used to finance their education. According to the most recent data released by the U.S. Department of Labor, the average cost for attending one year of college at a public university is $19,300 and almost twice that amount at a private college. On average, according to a  report by CNN,  students graduating in 2013 had education-related debt of $35,200. Amortize this over 10 years with compounding interest and it is easy to see why many millennials feel they cannot afford to contribute to a retirement plan. .ai-rotate {position: relative;} .ai-rotate-hidden {visibility: hidden;} .ai-rotate-hidden-2 {position: absolute; top: 0; left: 0; width: 100%; height: 100%;} .ai-list-data, .ai-ip-data, .ai-fallback, .ai-list-block {visibility: hidden; position: absolute; width: 50%; height: 1px; z-index: -9999;} How Employers Can Improve the Outlook for Millennials There are a number of  ways that employers can help millennials  make their futures brighter. Many government agencies have recognized assistance with student loans can be an effective way to attract and retain employees. For example, some school districts will help with student loans for teachers who agree to teach at low-income or inner-city schools, and some states offer similar programs for healthcare professionals working in underserved areas. Although employers in the private sector are typically less likely to pay off an employees student loan, there are still ways they can help. Make sure that new hires receive information about any retirement plan that the company sponsors. Provide information on when employees become vested, for example, or the amount of any matching contributions.   Educate employees on the benefits of starting to save early for retirement. A financial professional, such as a CPA or 401(k) plan administrator, could give a presentation or provide educational literature. .ai-rotate {position: relative;} .ai-rotate-hidden {visibility: hidden;} .ai-rotate-hidden-2 {position: absolute; top: 0; left: 0; width: 100%; height: 100%;} .ai-list-data, .ai-ip-data, .ai-fallback, .ai-list-block {visibility: hidden; position: absolute; width: 50%; height: 1px; z-index: -9999;} If employees might be eligible for a forgiveness program for their student loans, make sure they have the information on the program. Provide them with the necessary forms needed to apply for the program. The Consumer Financial Protection Bureau offers a downloadable  toolkit for assisting employees with their student loans  that is geared to non-profits and public service or school district employees.   Offer incentives for employees to complete certain training courses or actions. For example,  some businesses offer incentives  for meeting with a financial planner, signing up for the companys 401(k) plan, contributing to an IRA or attending a seminar on managing consumer debt. The incentives could be contributions to the employees 401(k) or a monthly payment on the employees student loan. Helping Millennials Secure their Retirement is a Win/Win Scenario Although some employers feel that it is not their place to concern themselves with their employees financial health, it is actually beneficial to the enterprise to do so. Employees who feel financially secure tend to be more productive and employees who feel that their employers care about them tend to be more loyal. Therefore, even in a troubled economy and perhaps, especially in a troubled economy it is sound business sense to help millennials deal with their personal finances in a proactive manner. Such programs can pay handsome dividends over the long term and have a direct impact on the enterprises bottom line. In short, these programs can be just as beneficial to the employer as employees.

Beyond Traditional SMART Goal Setting

Past Traditional SMART Goal Setting Past Traditional SMART Goal Setting Sometime in the distant past, in a business the executives world that appears to be increasingly remote as time passes, SMART objectives (explicit, quantifiable, feasible, applicable and time sensitive objectives) were sufficient to help business achievement. No more. Similarly as the yearly execution evaluation, attached to the years achievements and the yearly raise, is a dinosaur, so are SMART objectives as customarily characterized in objective setting works out. Presently, dont misconstrue. Objective setting is basic to both individual and profession achievement. Its a noteworthy factor in business achievement. Objective setting permits all representatives to jump on board the organization strategic vision and it gives reason and bearing. Objective setting is the establishment for both individual and business achievement. Thoughts, for example, defining objectives, choosing a topic for your year, focusing on New Years Resolutions, and picking one part of your life to take a shot at all year give guidance for how you invest your energy. An expert advisor who educates about the craft of accomplishing your objectives and dreams is a profoundly dedicated professional of choosing a topic for her year every year. She has had her Year of Imagination, Year of Alignment, Year of Radiance, and Year of Flourishing. She makes her yearly arrangement around her topic. Any act of this sort sparkles a light on how you settle on choices about whats significant. At the point when numerous exercises call to you consistently, your composed objectives oversee where you ought to exhaust your time and vitality. They mention to you what you have to achieve first. They are educated by your own vision proclamation. Analysis with various opportunities for organizing until you locate the one that works for you. Here are extra contemplations on fruitful objective setting. Record Your Goals Indeed, composed objectives. Much the same as a ?meeting didnt exist except if it has minutes, you have not profoundly dedicated to your objectives and goals except if you have thought of them down. The very demonstration of working out your objectives is a way to consider yourself responsible for their achievement. You may shock yourself, as well. At the point when I was more youthful, I didnt work out my objectives however I made a yearly propensity for composing a sentence that depicted what I needed to achieve in zones, for example, salary, vocation, wellbeing, and eating. Wiping out a cabinet two or after three years, I discovered my cards and had immeasurably surpassed achieving the entirety of my accounts. You can, as well. Past recording your objectives, your yearly story, or your goals, whichever you like, the time has come, as well, in the business condition existing today, to grow the significance of SMART objectives. What's more, maybe, single word per letter is not, at this point enough to characterize a helpful abbreviation. Make you think bigger with me and relook at the words that characterize effective objectives in objective setting. Savvy Acronym Newly Defined for Goal Setting ?S implies that notwithstanding explicit, dont you find that extending, methodical, synergistic, huge, and moving balance the picture?M implies quantifiable, however I additionally suggest important, vital, inspiring and even, magical.A is a reachable objective yet it likewise needs to represent activity plans, responsibility, intuition, and concurred upon.R implies significant, yet it additionally represents practical, sensible, reverberating, results-arranged, fulfilling, mindful, solid, established in realities, and noteworthy. T implies time sensitive and it additionally speaks to convenient, substantial, and attentive. Quick Change Requires Direction: Goal Setting Things being what they are, do you have to abandon SMART objectives in the current workplace? Not in the slightest degree. Yet, you certainly need to grow their importance if the objective characterizing abbreviation, SMART, is to work well for you in the current and up and coming business atmosphere for objective setting. Occasions in the working environment are moving quicker and quicker. To remain serious, you should move heading, in light of client necessities, once in a while day by day. Your objectives need a similar adaptability. In a presentation the executives framework, this is the reason you audit objectives, at any rate, quarterly. Jump on the new SMART objectives express-train on the grounds that, as Alice said to the notorious Cheshire Cat: Would you let me know, if it's not too much trouble what direction I should go from here?That relies a decent arrangement upon where you need to get to, said the Cat.I dont much consideration where said Alice.Then it doesnt matter what direction you go, said the Cat. In todays serious business atmosphere, it does make a difference what direction you go. The re-imagined SMART objectives for objective setting will assist you with arriving. It isn't sufficient to be occupied; so are the ants. The inquiry is: What are we occupied about? Henry David Thoreau What do you intend to be occupied with this year? Set your SMART objectives. They will empower you to achieve your objectives and dreams. They will lift you to levels you may have never imagined youd reach. All the best for a glad beneficial excursion. More Resources for Goal Setting Recognize and Live Your Personal Values for SuccessBuild a Value-Based OrganizationQuotations About Goal Setting

Top Reasons to Use Word Document Resume Templates

Top Reasons to Use Word Document Resume TemplatesWord document resume templates are becoming increasingly popular. Word template has become the most popular format for resume papers because it can produce readable documents at affordable prices. Word template does not have the personality of the graphics software and is made to be a cheaper alternative to any graphics creation.There are many advantages of using word document resume templates, which make them popular among employers as well as jobseekers. Here are the top reasons why you should use these templates instead of your own resume writing.Using Word document resume templates will greatly reduce your chances of making mistakes. It is much easier to make a mistake on the resume than it is to read one. Making mistakes can cost you valuable time while having an error in the resume might cost you a job. The process of proofreading and editing will make your resume better.In addition, Word document resume templates do not require any knowledge of graphic design. You do not need to be familiar with the graphics software if you don't want to be. All you need to know is how to create the desired layout and what font to use.Resume templates are easy to use and edit. Many templates are easy to use and can be edited by simple clicks. You do not need to spend hours reading through different word document resume templates just to edit or correct mistakes.It is so easy to download and print templates. Most templates are already available in different versions, including the ones that have been customized to look like resumes. The files are already downloaded into the Word document resume templates and you can print them without using any printer.Templates are user friendly. They have simple operations that anyone can easily follow. The only problem with most templates is that they are difficult to understand and unorganized.Because they are free and come with designs already pre-packaged, you don't need to be a desig ner to use a Word document resume template. This saves time for you and also saves your time for other jobs that you could be doing if you were to make a resume.

Custom Resume Writing Online

Custom Resume Writing OnlineCustom resume writing online is something that more people are beginning to use, for example, you can try it yourself and see the number of results that you can get. You may want to read through this article and learn about the advantages and disadvantages of using resume writing online.Why should you use custom resume writing online? Firstly, you don't have to worry about using your own talents and abilities, which can take time. Secondly, you don't have to leave the comfort of your home, and even go out to a job interview - you can simply upload your resume online, and receive thousands of responses.When you write your resume online, there is no need to go out to the bank and borrow money to pay for it, as your job is already paying for it. You don't have to worry about how to write a resume, as your resume will be written by a professional. Another benefit is that you can customize it any way you want, without having to give up your comfort zone.What ar e the advantages of using custom resume writing online? Firstly, you get a chance to send your resume to hundreds of job sites, rather than just one. This gives you a lot more opportunities to get the job, and a lot more chances to make it if you're good enough.With online writing, you will also have the option to edit and customize your resume. You can easily change the order, format, and the content of your resume to make it easier to understand and to make it more relevant. You will also be able to find information about what kind of job you are looking for, and how to talk about it.The disadvantages of using custom resume writing online are that you have to invest a lot of time, effort, and money in order to get your resume reviewed. Moreover, you don't get to see the response that you received when you sent it out. Additionally, you won't have as many options to choose from as you would do with traditional resume writing.If you are going to use online writing, then make sure to keep your full name, your e-mail address, and the address of your current or new employer. You don't want to be sending your resume out and not getting any response. Also, make sure that you provide the right contact information so that you don't have to deal with any problems.Resume writing online will give you more job options, which will help you a lot in your career search. However, make sure that you know how to use the system before you decide to go it alone.