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Fight against credit card rate hikes

by Gerri Willis, CNN finance editor

As expected, credit card issuers are raising fees and rates just before legislative restrictions take place next February. But you don't have to be vulnerable. Here are some alternatives to bank credit cards.

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Cutting Grocery Costs without Cutting Nutrition

Simple, healthy, and affordable ways to weather the rising price of food

by Karen Collins, R.D., American Institute of Cancer Research

Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.

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Madlynn is Kid of the Month

83 Percent of Recruiters Look for Digital Dirt

4 Ways to Clean Up Digital Dirt

by Selena Dehne, JIST Publishing

Job seekers, beware! That MySpace photo of you doing a keg stand may get a few chuckles from friends, but it's no laughing matter in the job market.
Employers are increasingly scouring the Internet for "digital dirt" to help them weed through job candidates. In fact, 83.2 percent of recruiters acknowledged to using online search engines in 2007 to uncover information about candidates, according to ExecuNet, an online referral network for executives and recruiters. Of these recruiters, 43 percent acknowledged eliminating candidates based on the negative information they found.

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Stop these bad work habits now

by CNN and CareerBuilder.com

...Try going on a diet and I guarantee that a freshly baked pizza will break your willpower whether you're on the second or the forty-fifth day...
Here are bad work habits you need to break now:
Confusing casual with disrespectful, Always doing the bare minimum, Not budging from your job title, Forgetting what your job is, Ignoring the chain of command, Operating on your own clock, Badmouthing your colleagues, Flaunting your connections.

read more...

Six Job Hunting Myths Debunked

by Robert Half International

Everyone wants to give job seekers advice, and while much of it is useful, some guidance may miss the mark. Because the employment market is constantly changing, ideas that once worked well may no longer be effective. This doesn't mean you have to second-guess everything you hear, but do be aware of common job-hunting myths, like the following:

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*Up to $810 per week* working at home!


 

Job markets news
 

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Single Moms - find here resources on financial aid, scholarships, help with basic needs, food, prescription drugs, health care, housing, legal info, and much more...

Job Search Advice


Read articles on career, interaction in the work place, job hunting. Find tips on preparing a resume and advice on preparing for a successful interview.



You're not getting the job - 25 reasons why

The economy, your location, industry trends -- even the hiring manager's mood -- can influence whether or not you get a job.
Still, as nice as it would be to blame your lack of offers on external factors, you can't forget that common denominator in your job hunt - from the résumé to the interview - is you. Here are 25 ways you might be unknowingly sabotaging your own job search.

The first steps:

Not keeping track of your accomplishments
When you're happy with your job, it's easy to forget about possible future job hunts. You never know when you'll end up looking for new work, and if you don't keep a running list of awards, promotions and accomplishments, you might not remember them when it's time to update your résumé.

Leaving on a bad note
As much fun as it is to fantasize about telling off a bad boss, don't actually do it. Leaving a trail of angry bosses or co-workers will come back to haunt you when you need references.

Only searching for the perfect job
Online job boards are fantastic resources, but you need to do some footwork if you want to increase your chances of finding a job. Contact companies whom you'd like to work for, even if there are no job listings. Not all companies advertise openings online.

The résumé and cover letter:

Writing a generic cover letter
If your cover letter looks like it could have come from a word processor template, right down to the "To Whom It May Concern," don't bother sending it. Hiring managers look for a candidate who wants that specific position, not someone who sends out applications en masse. Write a new cover letter for each job application and include details specific to that company.

Typos
Sending a cover letter or résumé filled with grammatical mistakes and typographical errors shows hiring managers you don't care about the quality of your work and probably not about the job, either.

Not targeting your résumé to the position
Just like the cover letter, your résumé should build a case for you to be hired for a specific position. If you're applying for a financial analyst position, don't waste space including your teenage stint as a lifeguard.


The interview:

Showing up late
Nobody likes to be kept waiting, especially hiring managers evaluating whether or not you would make a good employee.

Dressing for the wrong job
Your interview attire should match the dress code of the company, or be one step up. If the office dress code is business casual, wearing jeans and a t-shirt won't work in your favor. On the other hand, if you're told dress is casual, you'll stick out if you show up wearing a double-breasted suit.

Not researching the position
Your chief objective in an interview is convincing the hiring manager you're the best candidate for the job. How can you prove your qualifications if you don't have an idea of what skills you're expected to have and what your responsibilities will be?

After the interview:

Not sending a thank-you note
Interview etiquette extends beyond the goodbye hand-shake. Follow up with the interviewer by sending a thank-you note, either by e-mail or in the mail. Not only is it standard business practice, it's also common courtesy.

Not learning from your mistakes
Not every interview goes off without a hitch, so don't beat yourself up if you flubbed an answer or two. However, if you don't take the time to review each interview you go on, you're bound to repeat the same mistakes again and again.

Stopping your job search while you wait for a response
Even if your interview for the job of a lifetime went well, don't freeze your job hunt while you wait to hear back. For a variety of reasons you might not get the job, or you might stumble upon an even better opportunity. You don't have anything to lose by continuing the hunt.

read more...

Help Wanted ... Finding A Job - BEWARE

If you're looking for a job, you may come across ads for firms that promise results. Although many of these firms may be legitimate and helpful, others may misrepresent their services, promote out-dated or fictitious job offerings, or charge high up-front fees for services that may not lead to a job. Some ads may direct you to call a toll-free 800-number. Once you're connected, you may be switched to a pay-per-call 900-number without your knowledge, or you may be asked to call a 900-number without a proper fee disclosure. Both practices are against the law.

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Job Loss

Lay-offs and furloughs, reorganizations, and closings. If you’ve recently lost your job, your first thoughts may be, “What do I do now? How will I pay my bills?”

What to do:
Contact your organization’s personnel department. Find out how long you will have health insurance, if you’re entitled to a severance package and what it covers, and when and how to apply for unemployment benefits.
Contact your creditors. Try to work out a modified payment plan that reduces your payments to a more manageable level. Don’t wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you.
Maintain your health insurance. If possible, transfer to your spouse/partner’s insurance plan.

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Job-Hunting / Job Scams

If you’re looking for a job, you may see ads for firms that promise results. Many of these firms may be legitimate and helpful, but others may misrepresent their services, promote out-dated or fictitious job offerings, or charge high fees in advance for services that may not lead to a job.

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Work At Home

Want to work from home or make some extra money? Ads for work-at-home opportunities may appeal to you. But before you send in any money in response to an offer, check it out. Fraudulent promoters use the classifieds and the Internet to tout all kinds of work-at-home offers, from medical billing and envelope stuffing to assembly and craft work. Too often, these ads make promises about earnings, merchandise, or marketability that sound great, but aren’t truthful. The result: consumers can get ripped off.

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Wealth Building Scams

Do your research first: Checking things out before you commit to a deal is a more effective and practical way to safeguard your money than trying to get a refund afterward.

The turbulent financial market may have you looking at alternative investment and money-making opportunities – or maybe they’re looking for you. If there’s a mysterious financial model or an offer promoting miraculous returns, most likely it’s a scam.

Among the business opportunity and wealth-building scams that people have lost money to are the Seminar Pitch; the “Nigerian” Scam; foreign lotteries; and check overpayment scams. Here’s how you can avoid them – and save your money

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Work at Home Schemes

Be part of one of America's Fastest Growing Industries!
Earn thousand of dollars a month - from your home - Processing Medical Billing Claims.


You can find ads like this everywhere - from the street light and telephone pole on your corner to your newspaper and PC. While you may find these ads appealing, especially if you can't work outside your home, proceed with caution. Not all work-at-home opportunities deliver on their promises.

Many ads omit the fact that you may have to work many hours without pay. Or they don't disclose all the costs you will have to pay. Countless work-at-home schemes require you to spend your own money to place newspaper ads; make photocopies; or buy the envelopes, paper, stamps, and other supplies or equipment you need to do the job. The companies sponsoring the ads also may demand that you pay for instructions or "tutorial" software. Consumers deceived by these ads have lost thousands of dollars, in addition to their time and energy.

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Federal and Postal Job Scams: Tip-offs to Rip-offs

You never have to pay for information about job vacancies or employment opportunities with the U.S. government or U.S. Postal Service. But some fraudulent promoters are victimizing many Americans by selling information about federal job opportunities. These scam artists advertise in the classified sections of newspapers and offer - for a fee - to help job seekers find and apply for federal jobs. Some fraudulent companies even try to confuse consumers by using names that sound like those of federal agencies, like the "U.S. Agency for Career Advancement" or the "Postal Employment Service."

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If You've Got The Look, Look Out! Avoiding Modeling Scams

What could be more flattering? Someone approaches you at the mall and says, "You could be a model. You've got the 'look' we're after. Here's my card. Give me a call to set up an appointment." People have always said you're good looking. Now, visions of glamor, travel and money flash before your eyes.

It's true that some successful models have been discovered in everyday places like malls, boutiques, clubs, and airports. But the vast majority of would-be models knock on door after agency door before work comes their way.

It's All an Act! read more...

So You Wanna Ace A Job Interview?

You decide that you want a job. You send in your brilliant (and mostly accurate) résumé, ask for an outrageous salary (with full benefits, perks, and a generous signing bonus), and get a letter one week later saying that you're hired.

Congratulations! You are officially living in Fantasyland. Today, a résumé only functions as a entrance test to snag an interview. It's during the interview where a company decides if it wants to hire you.

We'll be even more direct: the job interview is the single most important part of getting a job. It's your chance to show your future bosses that you are smart, funny, quick on your toes, able to communicate, and relatively unlikely to go postal. Because of the importance of the job interview, you might be worried about cracking under the pressure. That is a concern ...

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Worst interview faux pas

By Anthony Balderrama, CareerBuilder.com
Most job seekers have a case of the jitters before going on a job interview. Anxiety's normal, but almost always those butterflies were in your tummy for nothing. The interview goes well, you don't make any serious mistakes and you exhale the moment you walk out of the room.

Sometimes, however, the interview goes terribly wrong. We're not talking about little mistakes, like spilling coffee on your shirt while you're in the waiting room. No, we're talking about the odd behavior that 99 percent of us wouldn't commit. Hiring managers have given us some examples of the worst missteps they've seen in interviews, and we've compiled the best.

Here are eight interview faux pas that hiring managers have witnessed and that you should avoid if you want to get hired.

Bad manners
- "A cell phone goes off -- which you should just apologize for and turn off promptly, but I've had candidates look at the number, which really ticks off an interviewer."
- "(The candidate asks,) 'When can I start?' Presumptuous and inappropriate."

Being weird
- "Strangest thing ever -- a [University of Chicago] MBA student was doing very well during an interview, when a tape recorder spilled out of his briefcase. Very, very odd. He would have gotten a call back for a second round, but not after we saw that tape recorder. We still don't know what that was about! But we stayed away -- big time!"...

Giving a bad reason for wanting the job
"One answer to a question about why the applicant was looking to change jobs left me speechless. The candidate, a 20-something with about five years of work experience, said, 'Well, I've been twiddling my thumbs for six months.'"

read more...

The Top 12 Job Search Mistakes

by Deborah Walker

Stalled in your job-search efforts? Check out this list to make sure you aren't committing some of the worst job-search mistakes.

 

1. Sending a resume that doesn't set you apart from your competition.

 

Since employers and recruiters read hundreds of resumes a week, you'll catch their attention quicker with a resume that differentiates you from your competition. The best resumes target one career objective which is supported by quantifiable accomplishments relating to corporate bottom-line results. Peppering your resume with relevant accomplishments that emphasize benefits over features helps the employer see your potential value to their organization. Send an accomplishment-driven resume and keep your calendar clear for the interviews that you'll generate.

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Job opening? Work-at-home moms fill bill

by Stephanie Armour
from National Association Of Women Business Owners

Like many stay-at-home moms, Christie Thomas spends much of the day doting on her daughter, reading her stories, making her lunch and putting her down for afternoon naps.
But Thomas is among a new generation of moms who have chosen to stay at home but earn an income, too. She's a loan officer and independent contractor for Pacific West Financial, doing loan work and research while Carlyjo, age 2, sleeps or watches TV. She also gets some work done after her husband, a teacher, gets home from work.

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Girl on Top: Your Guide to Turning Dating Rules into Career Success

by Nicole Williams

Nicole Williams is the tell-it-like-it-is career expert who you wish could fight your work battles for you.

But with her ingenious approach-taking the tactics used to land a man and applying them to your career-you'll be able to handle any work situation and come out on top. Here, Nicole introduces twenty tried-and-true dating rules such as "Don't Give Away the Milk for Free" and "Don't Waste the Pretty" and reveals how they can be applied just as effectively in the office.

Among other topics, Nicole dishes on how much to reveal at work as well as what to put up with from your boss (and, more importantly, what not to). She tackles everything from having the money talk to leaving them wanting more on a job interview. And sprinkled throughout GIRL ON TOP is fashion advice ("Top Ten Commandments of Style") and checklists to determine if you need to get a life.

Nicole's keen insight and candid advice will teach you how to recognize the good guys from the bad, win the kudos of those who matter, and create the career of your dreams.

Quick check list

by Amanda Bach

Choosing a career is a big decision. A decision that should involve more than thumbing through a book or newspaper and picking a job that sounds kind of interesting. While your next job will probably not be your last job, you will be spending many hours each week at the office. If you're working full-time you will be spending more time with your co-workers than with your family.

 

If you're short on time, or patience, use the following checklist to come up with some career guidelines. The answers to these questions should give you an idea of what you're looking for. Just as important, they will let you know what you don't want.

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Finding a Job Using Uncommon Search Tactics

by Anthony Balderrama

Rules are meant to be broken. Think outside the box. Be original. These are all clichés meant to inspire and remind you that creativity can often be rewarded in life.

Yet, even the most adventurous of us can't overcome our reservations when it comes to job hunting. Everything you've been told about the application and interview processes emphasizes being professional. Don't try to be funny in your cover letter. Wear a conservative business suit. Show how you'll fit in as one of the team. In other words, do what everyone else is doing. -- For some people, that just won't do.

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Who Hires Home-based Workers?

by Patrick Erwin

In the last few years, working from home has gone from being a rarity to a reality. With advances in technology, more people are able to link to work from their home computers or laptops. And as employees continue to crave flexibility and yearn for a better work/life balance, more people are working from home for at least part of their workweek.

Employees need to meet some basic requirements, including having a telephone and access to a PC. Although the work is conducted from home, interviews for the job aren't always done remotely.

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Top 10 Online Job Search Tips

by CareerBuilder.com


While the popularity of online job boards puts millions of jobs at one's fingertips, it has also made the job applicant pool that much bigger. For this reason, national job search sites and the Internet as a whole have gotten a bad rap from some industry professionals as an ineffective job seeker tool; on the contrary, the Internet actually can be a great resource for job seekers -- they just need to know how to use it.

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Top 8 Tips for Reducing Kids Screen Time This Summer

Reducing time spent in front of televisions and computers is one of the easiest ways to improve your family's health. Here are eight simple ways to limit screen time so you can help crank up your kids’ energy, re-charge their minds, and improve their health.

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What would you change?

Weekly Column, by Annette Bridges

Change -- some people dread it, and others can’t get enough. It may be much like the idiom, “One man’s trash is another man’s treasure.” When it comes to what we would alter or why we would make a modification, the answers vary because we all have different things we value, want, need and consider important.

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Being a Role Model

by Laurie Cesario-Overton

If I had to choose one sentence that would best describe what I feel parents need to learn, it would be this: Be your child's BEST ROLE MODEL in all the ways that truly count. Be your child's HERO. Whatever you do, do it for all the right reasons.

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How to Find the Best Car Loans for Single Moms

Financial Advice for Single Moms

The best car loans for single mothers might be just around the corner at your local car lot.

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3 Money Rules for Stay-at-Home Moms

As we all know, life is unpredictable. We lose jobs, get divorced and even become widowed...
Here are three steps stay-at-home parents should take to better manage their own and the family’s finances.

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You May Have Too Much Debt But You Also Have Options

How Life Works

If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.

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Could fat babies mean fat toddlers?

A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of obesity by age 3 than smaller babies.

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Crystal Bowersox - A Single Mom And A Real American Idol

Read how the amazing Crystal Bowersox. the runner-up of American Idol Season 9, handles fame and life as a single mom, raising her 17 month old son.

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5 Ways for Single Moms to Save Money

Single moms are always looking for ways to save money, and for good reason... It’s important to find ways to cut corners on the little things that perhaps you don’t think about too often, because those are usually where your biggest money drains are.

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Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis

OPRAH.com

Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...

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Your Just-in-Case Emergency Plan

by RealSimple

Who do you call if you can't make it home in time to meet the kids' bus? Who do you trust to take in your mail when you're on vacation? Who do you trust with the extra set of keys to your house?

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How to save $10,000

By Liz Pulliam Weston

If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that $10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as: Housing, Transportation, Food.

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The Super, Sexy, Single Mom on a Budget

by Renee Rayles

A quick reference guide designed for the busy, single mom who has

little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and then.

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Single Mothers &
Male Role-Models / Mentors

Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another equally-invested adult.

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Mom's Obesity Raises Newborn's Heart Risk

from the National Institute of Health

The more obese a woman is when she becomes pregnant, the greater the likelihood that her newborn baby will have a congenital heart defect, a new study suggests. The finding raises concerns because 1 in 5 women are obese at the start of pregnancy in the United States.

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The 10-Ingredient Shopping Trip

By Tara Parker-Pope and Mark Bittman

... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.

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Your 5-minute guide to protecting your identity

20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.

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TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.

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Single Moms in the News

6 Best Celebrity Single Moms
Read about Halle Berry, Sandra Bullock, Michelle Williams, Reese Witherspoon, Kimora Lee Simmons, Mary-Louise Parker... read more

Diary of a Wimpy Kid: The Last Straw

by Jeff Kinney

For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...

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34 Ways to Reduce College Costs


Cooperative education programs allow students to alternate between working full time and studying full time. This type of employment program is not based upon financial need, and students can earn as much as $7,000 per year.
Some colleges give credit for life experiences, thereby reducing the number of credits needed for graduation. Students should check with the college for further information.

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8 Ways to Survive - and Thrive - in a New Job

by Robert Half International

... The initial months on a job can be exciting, but they also are critical to shaping your manager's and co-workers' opinions about your potential in the new role, as well as laying the groundwork for success within the organization...

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Answer Key Interview Questions Like a Pro

by Robin Ryan, Author of "60 Seconds and You're Hired"

"We would like you to come in for an interview" are the wonderful words every job hunter longs to hear. All that stands in the way of your new job is acing the interview and handling the questions like a pro. Long, babbling answers or monosyllabic replies aren't effective.

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Factors to Consider Before Accepting a Job Offer

by Robert Half International

Searching for a job is hard work. Scanning help-wanted listings, researching companies, sending out customized cover letters and résumés and attending interviews can be tiring and time-consuming. If you're like most job seekers, you're excited -- or at least relieved -- when your efforts result in an employment offer.

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How to Identify Your Transferable Skills

by Rachel Zupek, CareerBuilder.com writer

This "finding a career" thing is tricky business.

You go to college and major in one thing -- but find yourself in a job opposite from what you spent four years studying. Or, you land a job that's exactly in line with your college major -- but discover it's not what you had in mind.

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Four Ways to Get Hired Faster

by Mark Krajnik, CEO, Next Level Solutions

The difference between being proactive and reactive is time. Reactive people wait for things to happen to them, while proactive people go out and make things happen. Timing is key in any career move, so it is up to you to make things happen.

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Industries That Will GAIN The Most Jobs In Next Decade
Huffington Post

We've seen the deterioration of certain industries and massive disruption in employment. But, in the next decade there will certainly be a corresponding expansion in some unexpected areas. Earlier this month, the Bureau of Labor Statistics forecast the industries in which it expects the most job growth over the next decade.

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