How traveling helps entrepreneurs get good ideas

How traveling helps entrepreneurs get good ideasHow traveling helps entrepreneurs get good ideasEntrepreneurs often cite travel as a key ingredient for success in an increasingly globalized tech world. And its true- all businesspeople can benefit from getting outside of their comfort zones.When I was a kid, my family lived in three different countries- Ghana, Gambia, and Botswana. I returned to Ghana for college before moving to the U.S. Growing up abroad forced me to frequently make new friends, adapt to unexpected power outages, and navigate unfamiliar cultures.While moving around a lot came with many challenges, there were even bigger benefits, both for my personal development and, later, for the development of my software company. Specifically, my early experiences prepared me to handle the constantly shifting tech world.You dont have to move to new countries to establish adaptability. Its more about going out of yur way to meet new people and welcome foreign experiences.Heres wh y all tech entrepreneurs can benefit from experiencing some momentary discomfort in order to open up their mindsWhen unforeseen business challenges arise, I roll with the punches.Company leaders face unexpected challenges nearly every day. Sometimes you lose a major customer you were counting on to meet your goals. If you dont have a Plan B or Plan C, youll be completely caught off guard, so its important that youre flexible and remain calm under pressure.In some countries Ive lived in, for example, you couldnt take for granted the fact that there would always be power or water. Often there was power rationing, or youd randomly lose water for several days. Youd just deal with it.Weathering the obstacles of daily living in various countries continues to aid me in running a successful tech company.A few years ago, for example, our software platform went down due to some issues with our hosting provider. Without warning, we suddenly had thousands of unhappy customers. Our customers did nt know the backstory with our hosting provider they just knew they couldnt access our service. Keeping my cool in this situation was crucial to making sure we didnt lose too many customers from this glitch.Growing up in unpredictable cultures better prepared me for this situation, and for the many ones like it that inevitably come with being a tech entrepreneur. In fact there is a military acronym (VUCA Volatility, Uncertainty, Complexity, Ambiguity) that describes this sort of environment. In the business environment we live in today, leaders need to learn to operate in a world that is constantly in flux.Forging new friendships as a kid has helped me build relationships with a global team.Several times during my formative years, I was plucked from my life as I knew it and dropped into an entirely foreign environment. The first few days were always horrible because I didnt know anybody and felt completely isolated.But the anfangsbuchstabe difficulties were well worth it. I was for ced to adapt, make new friends, learn new social rules and- ultimately- come to welcome the novel.Later on, I applied the receptivity I cultivated growing up to building my companys team. When you look beyond your immediate surroundings, you might realize your perfect programmer lives in Alaska. Maybe 20 years ago, this wouldnt have been possible, but now with tools like Slack and Skype, you dont have to always be in the same place as your team. You can always organize retreats where you all get to know each other on a more personal level.When you try to source talent outside of your comfort zone, youll find skilled employees you never expected.Regardless of where you are, its important to remember that everyone is different. Remaining open and receptive to different types of people is key to building a stellar team.Travel inspires me to think outside of the box.Although Im no longer moving around, I still travel often. When I do, I like to experience new cultures the way local peop le do. If I go to Mexico, for example, I skip the sanitized tourist version. Rather than visit a chain restaurant or a beach filled with Californians on Spring Break, I go out of my way to experience the local food and the local culture.When you immerse yourself in different cultural experiences, opportunities for personal development abound. But travel can also help you grow as a business-person.For example, Austrian entrepreneur Dietrich Mateschitz got the idea for Red Bull when he traveled to Thailand and tried a similar local drink. He modified the ingredients slightly to suit Western tastes, and founded Red Bull in partnership with the Thai company, Krating Daeng. If Mateschitz had never gone to Thailand, the worlds leading energy drink would not exist. Because he opened himself up to different cultures, he reaped major rewards. Red Bull has the highest market share of any energy drink, and sells roughly 6 billion cans a year.But you dont necessarily have to leave your continen t to think outside the box. Even in your own city, you can see things in a new light simply by shaking up your routine. You can take a different street home from work, or try a new restaurant or cuisine. In doing so, youll probably learn something about yourself or other people you didnt know before.I was lucky in that my childhood experiences encouraged me to become open-minded from an early age. But even if youve lived in the same place your whole life, its possible- and important- to court the novel whenever possible. If you want to succeed as a business leader, its crucial to cultivate a broad outlook.Peter Swaniker is theFounder and CEO at XimbleThis article was originally published on Quora.com.

Customize this Outstanding Office Space Planner Resume Sample

Customize this Outstanding Office Space Planner Resume SampleCustomize this Outstanding Office Space Planner Resume SampleWhen applying for a job opening, you need to focus on standing out from the crowd, because that is the only way employers will consider you for the position. Do not forget that you will almost always be applying for a position alongside many other candidates, so submitting a resume that is just like all the others will significantly hurt your chances. Instead, learn what employers are looking for and craft a document that will catch their attention immediately. We made this bro space planner resume sample to help you understand what it is that sets strong resumes apart from forgettable ones. To get started on the right foot, check out our resume builder as well.Create Resume Elizabeth Jones100 Broadway LaneNew Parkland, CA, 91010Cell (555) 987-1234example-emailexample.comProfessional SummaryTrained and educated Office Space Planner capable of meeting with clients and delivering designs based on their needs and wishes. Adept at using interior design software, creating 3D online and offline models of office spaces and updating those plans to include feedback from clients. Experienced in creating new office spaces and updating existing spaces.Core QualificationsAttention to DetailInterior Design SoftwareModel BuilderStrong CommunicatorLocal Building CodesCustomer ServiceExperienceOffice Space Planner, November 2012 December 2015Office Spaces, New Cityland, CACreated designs on budgets ranging from less than $5,000 to more than $100,000Built 3D models and computer representations to show clients how the finished spaces would lookTook detailed notes and the feedback given by clients to make changes to designsDeveloped designs that incorporated flooring, wall coverings, furniture and other design elementsManaged a database of vendors dedicated to providing construction and design supplies for projectsOffice Space Planner, May 2010 October 2012C alifornia Architecture Associates, Los Angeles, CAMet with clients in existing office spaces and offered suggestions before developing designs to update those officesVisited job sites in person to monitor construction and design workDeveloped designs using AutoCAD and similar software and made traditional modelsIncorporated elements from the beach and nearby attractions into local office spacesKept clients up to date on all stages of construction and other projectsEducation2010 University of California, New Cityland, CABachelor of Arts, Interior DesignCustomize ResumeWhy Is This a Good Office Space Planner Resume Sample?The best way to learn from this office space planner resume sample is to understand what it does most effectively. Pay close attention to the formatting, because it follows a specific voreingestellt that employers expect when they read resumes.First, look at the first two sections. The summary statement and the skills sections are both very brief and concise. It shou ld be your goal to keep them to a minimum length but make the information included be dense enough to communicate a lot in few words. It is important to remember that many hiring managers only skim resumes until one catches their attention. These opening sections are meant to hook the readers and quickly guide them into the work history section. If this introduction is too long, employers might lose interest and skip to the next applicant. Best practices recommend that your summary be three sentences or bullet points and the skills section, between five and eight bullet points.Next, pay close attention to the work history section. This is at the core of any resume, so you need to get the formatting just right. The first thing you will notice is that this section is much longer than the previous two. Employers are interested in your previous working experiences, so include the most and strongest information here. Begin with the most recent position you have held and list the rest in reverse chronological order. Current positions should also be in present tense, while all others should be in past tense. This office space planner resume sample also demonstrates that every bullet point in the experience section should begin with a strong action verb. The verbs you choose to include should reflect the daily responsibilities you had. The resume sample shows some especially strong verbs for office space planners, including developed, created, and managed.Why You Need a Strong Office Space Planner ResumeYou should not underestimate just how important your resume is to your job application. Many employers use this document exclusively when choosing candidates to bewerberinterview. Beyond that, it is also common practice for hiring managers to spend nearly no time at all reviewing each resume. In fact, one study suggests the average amount of time employers spending reading any one resume may be as low as six seconds. That means your resume needs to be polished as much as possible so it will stick out the moment they begin reviewing it. The office space planner resume sample is exactly this kind of resume.Costly Office Space Planner Resume Mistakes To AvoidThe biggest mistake you can make when writing your resume is making it vague, bland, or forgettable. Instead, it should be specific, unique, and eye-catching. Notice how specific the office space planner resume sample is. It mentions exact software used and goes into detail about particular daily responsibilities. Another strong technique you can use to make your resume more specific is including real metrics, such as how much you have improved efficiency by or how many offices you have worked with. This also adds credibility to your application and gives employers a better idea of the benefits they would enjoy if they chose to hire you.You should always take the time to proofread your resume, and skipping this vital step is a huge mistake. In fact, you would be best to read it over multiple tim es to be sure you have caught every typographical error and tightened up your writing wherever possible.ConclusionBy utilizing this excellent office space planner resume sample and following the advice in this writing guide closely, you can prepare yourself to create a resume that paints your professional qualities in the best light possible. Impress employers and land yourself an interview to find your next job as an office space planner.

How Many Axes Does Your Robot Need

How Many Axes Does Your Robot Need How Many Axes Does Your Robot Need How Many Axes Does Your Robot Need?Industrial robot systems continue to transform the manufacturing landscape. They reduce labor costs and maximize quality, efficiency, and speed, driving down operational costs and getting products to market faster.Industrial robots have various axis configurations, depending on the task and the needed range of motion. The have also come down in size, which allows them to execute tasks in smaller-scale applications and reduces their footprint.An axis in robotic terminology represents a degree of freedom (DOF). For example, if a robot has three degrees of freedom, it can operate in the x, y, and z planes. However, it cannot tilt or turn. Increasing the number of axes allows the robot to access a greater amount of space by giving it mora degrees of freedom.As provided below by Greg Martin, field engineer with Bastian Solutions, a firm that specializes in automation and information sy stems, more axes means more functionality 1-axis robot Linear guide system for transferring parts in a single line of motion. 2-axis robot Typically in an XY or YZ configuration, these are often in the form of two adjoining linear guides. 3-axis robot Typically in an XYZ configuration, these tend to be in the form of two adjoining linear guides and a third axis guide or cylinder. 4-axis robot A more conventional arm that is typically used in palletizing applications in which the face plate is always parallel with the ground. Has the ability to rotate the object it is picking. 5-axis robot Similar to a conventional four-axis robot but adds the ability to rotate the object it is picking. 6-axis robot Offers the most flexibility with six axes all the way from the base axis for full robot rotation to the sixth axis for rotating the wrist or faceplate. 7-axis robot A six-axis robot which is distribution policyd on a rail or some means to move it from one place to another in a linea r direction.There are hundreds of software options that can typically be applied to a given robot and controller, adds Martin. Thus it is important to understand the robotic programming details and requirements prior to implementation.Advanced controls make the robots easier to use and program. In some cases, online tools allow operators and end users to quickly choose and configure robot features.Schematic of a six-axis robot. Image RobotWorxEverybody Wants Six-AxisMost industrial robots utilize six axes, which give them the ability to perform a wide variety ofindustrial tasks compared to robots with fewer axes. Six axes allow a robotto move in the x, y, and z planes, as well as position itself using roll, pitch, and yaw movements. This functionality is suitable for complex movements that simulate a human arm reaching under something to grab a part and place it on a conveyor, for example, says Richard Vaughn, senior automation engineer for Bosch Rexroth Corporation, a provider of d rive and control technologies. The plus-rechnenal range of movement allows six-axis robots to do more things, such as welding, palletizing, and machine tending. Programming their movements in 3D is complex, so software typically maps the motion to a set of world coordinates, in which the origin sits on the pedestals first joint axis.Other advantages to six-axis robots include mobility (easy to move and/or mount) and wide horizontal and vertical reach. They are especially being used in automotive and aerospace manufacturing, where they perform drilling, screw driving, painting, and adhesive bonding. Because they are coming down in price, it is now feasible for smaller manufacturers to invest in this technology.RobotWorx, a provider of robotics systems, indicates that six-axis robot technology continues to advance rapidly. Improved wrist action and flexibility, robot software and programming capabilities, and multiple mounting options are just some of the benefits six-axis robots have to offer, the company states on its website. There is also a large range of robot sizes, payloads, and speeds to choose from. Six-axis robots are also becoming easier to maintain, repair, or replace.Collaborative RobotsAdvances in intelligent control systems, safety systems, and computer power have made real time, human-robot collaboration a reality across a variety of manufacturing industries. Sensor technologies with shut-off systems can immediately deactivate collaborative robots if any variance is detected in their behavior, allowing humans to work safely beside them. Collaborative six-axis robots tend to be smaller and more lightweight and require no safety barriers, which reduces their footprint on the shop floor.Whirlpool Corporation is using collaborative robots on some of its assembly lines.Collaborative robots allow us to be much more flexible, says Eric Howe, senior engineer and automation lead for Whirlpool. They also are easier to program than traditional robots, which saves time. And, theyre relatively inexpensive when compared to other technologies. The addition of the robots allows our employees to focus on tasks that require greater cognitive skill.Mark Crawford is an independent writer. For Further DiscussionThere are hundreds of software options that can typically be applied to a given robot and controller. Thus it is important to understand the robotic programming details and requirements.Greg Martin, Bastian Solutions

Report Job Openings Increase in September

Report Job Openings Increase in SeptemberReport Job Openings Increase in SeptemberSimply Hired today released its October 2013 U.S. Employment Outlook report, which shows that nationwide job openings increased 6.9% month-over-month and 35% year-over-year in September 2013. Nearly all major metros (49 of 50) posted an increase in job openings, and 16 of 18 industries also experienced growth.Our September data shows that job growth remains strong as we move into fall, said James Beriker, president and CEO of Simply Hired. This is a very positive signal that the recovery is across geographies and segments and leid isolated in specific regions or job segments.Read the press release here.Nearly all major metro areas post growthIn September, job openings increased in 49 of 50 major metros. Los Angeles, CA (11.5%), Sacramento, CA (10.9%) and Kansas City, MO (10.7%) experienced the largest gains month-over-month.Job openings increase in nearly all industries and categoriesJob openings incre ased in 16 out of 18 industries in September, with non-profit (17.8%) and construction (13.0%) showing the largest gains. Moreover, nearly all occupation categories (22 out of 23) experienced growth in job openings. Scientific and lab (21.9%) and (non-computer) engineering (21.4%) roles experienced the largest amount of growth month over month.Healthcare remains industry with greatest job inventoryNearly one-third of the top posting companies in September were healthcare-related (approximately 33 company locations), making healthcare the top posting industry.

An Impartial View of Resume Reference List

An Impartial View of Resume Reference List If youre looking for work, then you are going to need references. Your references could make or break your odds of landing work, so make certain to choose the best people to talk for your benefit. After your interview, they could be a key component on whether you receive a job offer from a company. They are your personal evangeliststhey should know you very well and be able to speak about your qualifications for the job youre pursuing. Simply speaking, the key to reference success is to prepare beforehand, choose those who will speak highly of you, and make it simple for them to achieve that. When youre asked for references, you may strategically pick the best people to represent what you would like highlighted for the opportunity, she states. When used by employers, references might be critical part of the interview procedure. References, people who may speak positively about your abilities and dedication, are an essential portion of your internship search. Budget analysts are liable for developing and managing an organizations fiscal plan. You have the last responsibility. Also, share with them a copy of the resume youre submitting so they can be on precisely the same page if and once the hiring manager calls them up. Job references should elend be included on a resume. Its possible for you to apply next semester to be thought about. After youve selected your references, make certain theyre well-prepared to aid you. In only a short period of time, youve completed the unthinkable. So, as you may have a bit more time than a moment and a half to be impressive, its still vital that you maximize that early part of your interview. The Nuiances of Resume Reference List When you have decided on who you wish to have in your reference list you should get their permission. Quite often, a reference list is requested in the on-line application practice. For this reason, you must realize that using a reference l ist is imperative Below youll discover a sample reference list. The sample reference page provided here can readily be adapted to satisfy your wants. Our handcrafted template and sample will reveal to you exactly the type of points you may focus resume to compose a strong and persuasive letter from writer position for a coworker. As an overall guideline, you dont include references on your resume. Actually, you use the word References at the peak of the page before you get started listing your sources. When you have to provide references to a prospective employer the very best means to do it is to create a reference page it is possible to share with them. When you have to provide references to a possible employer, the ideal way to do it is to create a reference page you may share with them. Dont use a great deal of contact details as it can serve as an extra work to the man whos tasked to deliver information regarding the outcomes of your application templates. Make sure you r eceive the info youre looking for. Title of the reference list with geschftliches miteinander name, business address and company contact information is going to be given at the surface of the list. Your background might include information regarding your parents and the men and women whom the company might contact for background checking. Details of Resume Reference List Choosing who to request a reference is a significant step in your application practice. The format of a resume will truly rely on the individual who will produce and utilize it. Your writing sample ought to be the finest legal writing youve done. If it has been accepted for publication be sure to indicate that.

8 College Degrees With the Worst Return on Investment

8 College Degrees With the Worst Return on Investment Search 8 College Degrees With the Worst Return on Investment Share this articleTwitterLinkedinFacebookemailThese Worthless College Degrees Might Make You Happy, But Fail the Tuition ROI TestCollege Is it Worth It? Whats mora expensive than going to college? Until recently, the answer was easy not going to college. Numerous studies over the years have shown that individuals with college degrees significantly out-earn those with high school degrees by $1 million or mora over the course of a lifetime. But as the cost of education increases faster than inflation, people are beginning to question how they spend their education dollars. As student loans hit the $1.5 trillion fruchtfleisch and more and more graduates are faced with years of paying staggering monthly payments, many are starting to ask themselves, Are there worthless college degrees? While theres no doubt that a college degree increases earning power and broadens oppor tunities, todays high cost of education means it makes sense to more carefully consider which degree you earn. When it comes to return on investment (ROI), not all degrees are considered equal. This article exposes eight college degrees with poor ROI. MethodologyTo calculate ROI for a specific degree, we first determined the overall cost of the degree. We allowed the degree holder four years to graduate. Using data from a recent College Board study, we assigned a figure of $37,343 as an average cost of a four-year public liberal arts degree, and a figure of $121,930 for degrees earned at four-year private colleges. The total cost included tuition, room and board, and books, and did not factor in scholarships or grants. We then determined the median cash compensation over the course of 30 years of typical jobs requiring that degree using Salary.com data. We used current Salary.com figures, but added 4.3% per year to account for inflation and cost of living increases. To determine RO I, we subtracted the cost of the degree from the gains over 30 years, then divided that figure by cost.8. Sociology People who enter the field of sociology generally are interested in helping their fellow man. Unfortunately, that kind of benevolence doesnt usually translate to wealth. Here are three jobs commonly held by sociology majors (click on job title and/or salary for more info) SOCIAL WORKERzentralwert Salary$47,12130-Year Earnings $2,779,195ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%CORRECTIONS OFFICERzentralwert Salary$39,63030-Year Earnings $2,337,376ROI of Degree Earner Attending Public College 61%ROI of Degree Earner Attending Private College 18% CHEMICAL DEPENDENCY COUNSELORzentralwert Salary$47,21030-Year Earnings $2,784,444ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%7. Fine Arts Artists are respected, revered and celebrated. The trick is achieving that p osition while theyre leise alive. After all, the term starving akrobat didnt come from nowhere. Here are three jobs commonly held by workers with a fine arts degree MUSEUM RESEARCH WORKERzentralwert Salary$48,40130-Year Earnings $2,854,689ROI of Degree Earner Attending Public College 75%ROI of Degree Earner Attending Private College 22% GRAPHIC DESIGNERMedian Salary$47,75330-Year Earnings $2,816,470ROI of Degree Earner Attending Public College 74%ROI of Degree Earner Attending Private College 22%PAINTER/ILLUSTRATORMedian Salary$37,81930-Year Earnings $2,230,563ROI of Degree Earner Attending Public College 58%ROI of Degree Earner Attending Private College 17%6. Education Ah teaching. One of the noblest professions. And while it stands to reason wed pay great sums to the chosen few who shape the minds of future generations, it doesnt quite work out that way. Here are three commonly held jobs in education DAYCARE CENTER TEACHER Median Salary$27,910 30-Year Earnings $1,646,131 ROI of Degree Earner Attending Public College 43% ROI of Degree Earner Attending Private College 13% ELEMENTARY SCHOOL TEACHER Median Salary$52,241 30-Year Earnings $3,081,172 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attending Private College 24% HIGH SCHOOL TEACHER Median Salary$54,473 30-Year Earnings $3,212,815 ROI of Degree Earner Attending Public College 85% ROI of Degree Earner Attending Private College 25% 5. Religious Studies/Theology Talk about finding your calling. While devoting your life to the church and dedicating your life to the service of others is laudable, its not going to leave you with a lot of profit after you earn your degree. Here are three commonly held jobs theological jobs RELIGIOUS EDUCATOR Median Salary$47,957 30-Year Earnings $2,828,502 ROI of Degree Earner Attending Public College 75% ROI of Degree Earner Attending Private College 22% CHAPLAIN HEALTHCARE Median Salary$51,127 30-Year Earnings $3,015,174 ROI of Degree Earner Atte nding Public College 80% ROI of Degree Earner Attending Private College 24% ASSOCIATE reverend Median Salary$61,811 30-Year Earnings $3,645,610 ROI of Degree Earner Attending Public College 96% ROI of Degree Earner Attending Private College 29% 4. Hospitality/Tourism Youre the wizard behind the curtain. The one whos working like a dog to make it all happen while everyone else is enjoying the fruits of your labor. Unfortunately, there isnt always a lot of financial benefit after earning your degree. Here are three commonly held hospitality jobs MEETING/auffhrung PLANNERMedian Salary$55,47630-Year Earnings $3,271,972ROI of Degree Earner Attending Public College 87%ROI of Degree Earner Attending Private College 26%HOTEL RESIDENT MANAGERMedian Salary$65,07630-Year Earnings $3,838,180ROI of Degree Earner Attending Public College 102%ROI of Degree Earner Attending Private College 30%CATERING MANAGERMedian Salary$42,53330-Year Earnings $2,508,595ROI of Degree Earner Attending Public Coll ege 66%ROI of Degree Earner Attending Private College 20%3. Nutrition Its hard work making sure everyone else eats right, preparing nutritious meals and/or checking to make sure the nations food supply is up to snuff. But all that hard work and education necessary to land this job might not turn a huge profit. DIETICIAN Median Salary$53,679 30-Year Earnings $3,165,985 ROI of Degree Earner Attending Public College 84% ROI of Degree Earner Attending Private College 25% FOOD SERVICES MANAGER Median Salary$56,711 30-Year Earnings $3,344,813 ROI of Degree Earner Attending Public College 89% ROI of Degree Earner Attending Private College 27% FOOD SCIENTIST Median Salary$64,019 30-Year Earnings $3,775,838 ROI of Degree Earner Attending Public College 100% ROI of Degree Earner Attending Private College 30% 2. Psychology Were starting to notice an unfortunate trend regarding doing work for others with minimum pay. Maybe you can get inside the head of someone influential and find out why wor kers in this field dont get paid more for these jobs HUMAN SERVICES WORKER Median Salary$22,738 30-Year Earnings $1,341,086 ROI of Degree Earner Attending Public College 35% ROI of Degree Earner Attending Private College 10% CAREER COUNSELOR HIGHER EDUCATION Median Salary$43,384 30-Year Earnings $2,558,787 ROI of Degree Earner Attending Public College 68% ROI of Degree Earner Attending Private College 20% BEREAVEMENT COORDINATOR Median Salary$52,200 30-Year Earnings $3,078,754 ROI of Degree Earner Attending Public College 81% ROI of Degree Earner Attending Private College 24% 1. Communications Youd think the ink-stained newsrooms and TV studios are full of wealthy and famous journalists. Not quite. Although these skills require lots of education and training, they buried the lead regarding the lack of payoff. Check these communications jobs out COPYWRITER Median Salary$52,549 30-Year Earnings $3,099,338 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attendi ng Private College 24% NEWS REPORTER Median Salary$37,393 30-Year Earnings $2,205,438 ROI of Degree Earner Attending Public College 58% ROI of Degree Earner Attending Private College 17% absatzwirtschaft COORDINATOR Median Salary$50,455 30-Year Earnings $2,975,834 ROI of Degree Earner Attending Public College 79% ROI of Degree Earner Attending Private College 23% Be Prepared We know money isnt everything. A lot of people do these jobs and have great and fulfilling careers. But as the cost of education increases, its important to know if youll get your moneys worth and see a positive ROI. Good luck. Related Salary.com Content Knowing What Youre Worth 3 Keys to Determine Your Market Value 10 Things You Should Never Tell Your Boss 10 Ways to Avoid Office Politics From our trusted Partners From our trusted Partners Home Articles 8 College Degrees With the Worst Return on Investment8 College Degrees With the Worst Return on Investment Search 8 College Degrees With the Worst Return on Investment Share this articleTwitterLinkedinFacebookemailThese Worthless College Degrees Might Make You Happy, But Fail the Tuition ROI TestCollege Is it Worth It? Whats more expensive than going to college? Until recently, the answer was easy not going to college. Numerous studies over the years have shown that individuals with college degrees significantly out-earn those with high school degrees by $1 million or more over the course of a lifetime. But as the cost of education increases faster than inflation, people are beginning to question how they spend their education dollars. As student loans hit the $1.5 trillion mark and more and more graduates are faced with years of paying staggering monthly payments, many are starting to ask themselves, Are there worthless college degrees? While theres no doubt that a college degree increases earning power and broadens opportunities, todays high cost of education means it makes sense to more carefully c onsider which degree you earn. When it comes to return on investment (ROI), not all degrees are considered equal. This article exposes eight college degrees with poor ROI. MethodologyTo calculate ROI for a specific degree, we first determined the overall cost of the degree. We allowed the degree holder four years to graduate. Using data from a recent College Board study, we assigned a figure of $37,343 as an average cost of a four-year public liberal arts degree, and a figure of $121,930 for degrees earned at four-year private colleges. The total cost included tuition, room and board, and books, and did not factor in scholarships or grants. We then determined the median cash compensation over the course of 30 years of typical jobs requiring that degree using Salary.com data. We used current Salary.com figures, but added 4.3% per year to account for inflation and cost of living increases. To determine ROI, we subtracted the cost of the degree from the gains over 30 years, then divid ed that figure by cost.8. Sociology People who enter the field of sociology generally are interested in helping their fellow man. Unfortunately, that kind of benevolence doesnt usually translate to wealth. Here are three jobs commonly held by sociology majors (click on job title and/or salary for more info) SOCIAL WORKERMedian Salary$47,12130-Year Earnings $2,779,195ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%CORRECTIONS OFFICERMedian Salary$39,63030-Year Earnings $2,337,376ROI of Degree Earner Attending Public College 61%ROI of Degree Earner Attending Private College 18% CHEMICAL DEPENDENCY COUNSELORMedian Salary$47,21030-Year Earnings $2,784,444ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%7. Fine Arts Artists are respected, revered and celebrated. The trick is achieving that status while theyre still alive. After all, the term starving artist didnt come from nowhere. He re are three jobs commonly held by workers with a fine arts degree MUSEUM RESEARCH WORKERMedian Salary$48,40130-Year Earnings $2,854,689ROI of Degree Earner Attending Public College 75%ROI of Degree Earner Attending Private College 22% GRAPHIC DESIGNERMedian Salary$47,75330-Year Earnings $2,816,470ROI of Degree Earner Attending Public College 74%ROI of Degree Earner Attending Private College 22%PAINTER/ILLUSTRATORMedian Salary$37,81930-Year Earnings $2,230,563ROI of Degree Earner Attending Public College 58%ROI of Degree Earner Attending Private College 17%6. Education Ah teaching. One of the noblest professions. And while it stands to reason wed pay great sums to the chosen few who shape the minds of future generations, it doesnt quite work out that way. Here are three commonly held jobs in education DAYCARE CENTER TEACHER Median Salary$27,910 30-Year Earnings $1,646,131 ROI of Degree Earner Attending Public College 43% ROI of Degree Earner Attending Private College 13% ELEMENTAR Y SCHOOL TEACHER Median Salary$52,241 30-Year Earnings $3,081,172 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attending Private College 24% HIGH SCHOOL TEACHER Median Salary$54,473 30-Year Earnings $3,212,815 ROI of Degree Earner Attending Public College 85% ROI of Degree Earner Attending Private College 25% 5. Religious Studies/Theology Talk about finding your calling. While devoting your life to the church and dedicating your life to the service of others is laudable, its not going to leave you with a lot of profit after you earn your degree. Here are three commonly held jobs theological jobs RELIGIOUS EDUCATOR Median Salary$47,957 30-Year Earnings $2,828,502 ROI of Degree Earner Attending Public College 75% ROI of Degree Earner Attending Private College 22% CHAPLAIN HEALTHCARE Median Salary$51,127 30-Year Earnings $3,015,174 ROI of Degree Earner Attending Public College 80% ROI of Degree Earner Attending Private College 24% ASSOCIATE PASTOR Median Sal ary$61,811 30-Year Earnings $3,645,610 ROI of Degree Earner Attending Public College 96% ROI of Degree Earner Attending Private College 29% 4. Hospitality/Tourism Youre the wizard behind the curtain. The one whos working like a dog to make it all happen while everyone else is enjoying the fruits of your labor. Unfortunately, there isnt always a lot of financial benefit after earning your degree. Here are three commonly held hospitality jobs MEETING/EVENT PLANNERMedian Salary$55,47630-Year Earnings $3,271,972ROI of Degree Earner Attending Public College 87%ROI of Degree Earner Attending Private College 26%HOTEL RESIDENT MANAGERMedian Salary$65,07630-Year Earnings $3,838,180ROI of Degree Earner Attending Public College 102%ROI of Degree Earner Attending Private College 30%CATERING MANAGERMedian Salary$42,53330-Year Earnings $2,508,595ROI of Degree Earner Attending Public College 66%ROI of Degree Earner Attending Private College 20%3. Nutrition Its hard work making sure everyone else eats right, preparing nutritious meals and/or checking to make sure the nations food supply is up to snuff. But all that hard work and education necessary to land this job might not turn a huge profit. DIETICIAN Median Salary$53,679 30-Year Earnings $3,165,985 ROI of Degree Earner Attending Public College 84% ROI of Degree Earner Attending Private College 25% FOOD SERVICES MANAGER Median Salary$56,711 30-Year Earnings $3,344,813 ROI of Degree Earner Attending Public College 89% ROI of Degree Earner Attending Private College 27% FOOD SCIENTIST Median Salary$64,019 30-Year Earnings $3,775,838 ROI of Degree Earner Attending Public College 100% ROI of Degree Earner Attending Private College 30% 2. Psychology Were starting to notice an unfortunate trend regarding doing work for others with minimal pay. Maybe you can get inside the head of someone influential and find out why workers in this field dont get paid more for these jobs HUMAN SERVICES WORKER Median Salary$22,738 30-Year Earni ngs $1,341,086 ROI of Degree Earner Attending Public College 35% ROI of Degree Earner Attending Private College 10% CAREER COUNSELOR HIGHER EDUCATION Median Salary$43,384 30-Year Earnings $2,558,787 ROI of Degree Earner Attending Public College 68% ROI of Degree Earner Attending Private College 20% BEREAVEMENT COORDINATOR Median Salary$52,200 30-Year Earnings $3,078,754 ROI of Degree Earner Attending Public College 81% ROI of Degree Earner Attending Private College 24% 1. Communications Youd think the ink-stained newsrooms and TV studios are full of wealthy and famous journalists. Not quite. Although these skills require lots of education and training, they buried the lead regarding the lack of payoff. Check these communications jobs out COPYWRITER Median Salary$52,549 30-Year Earnings $3,099,338 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attending Private College 24% NEWS REPORTER Median Salary$37,393 30-Year Earnings $2,205,438 ROI of Degree Earner At tending Public College 58% ROI of Degree Earner Attending Private College 17% MARKETING COORDINATOR Median Salary$50,455 30-Year Earnings $2,975,834 ROI of Degree Earner Attending Public College 79% ROI of Degree Earner Attending Private College 23% Be Prepared We know money isnt everything. A lot of people do these jobs and have great and fulfilling careers. But as the cost of education increases, its important to know if youll get your moneys worth and see a positive ROI. Good luck. Related Salary.com Content Knowing What Youre Worth 3 Keys to Determine Your Market Value 10 Things You Should Never Tell Your Boss 10 Ways to Avoid Office Politics From our trusted Partners From our trusted Partners Home Articles 8 College Degrees With the Worst Return on Investment8 College Degrees With the Worst Return on Investment Search 8 College Degrees With the Worst Return on Investment Share this articleTwitterLinkedinFacebookemailThese Worthless College Degrees Might Make You Happy, But Fail the Tuition ROI TestCollege Is it Worth It? Whats more expensive than going to college? Until recently, the answer was easy not going to college. Numerous studies over the years have shown that individuals with college degrees significantly out-earn those with high school degrees by $1 million or more over the course of a lifetime. But as the cost of education increases faster than inflation, people are beginning to question how they spend their education dollars. As student loans hit the $1.5 trillion mark and more and more graduates are faced with years of paying staggering monthly payments, many are starting to ask themselves, Are there worthless college degrees? While theres no doubt that a college degree increases earning power and broadens opportunities, todays high cost of education means it makes sense to more carefully consider which degree you earn. When it comes to return on investment (ROI), not all degrees are considered equal. Th is article exposes eight college degrees with poor ROI. MethodologyTo calculate ROI for a specific degree, we first determined the overall cost of the degree. We allowed the degree holder four years to graduate. Using data from a recent College Board study, we assigned a figure of $37,343 as an average cost of a four-year public liberal arts degree, and a figure of $121,930 for degrees earned at four-year private colleges. The total cost included tuition, room and board, and books, and did not factor in scholarships or grants. We then determined the median cash compensation over the course of 30 years of typical jobs requiring that degree using Salary.com data. We used current Salary.com figures, but added 4.3% per year to account for inflation and cost of living increases. To determine ROI, we subtracted the cost of the degree from the gains over 30 years, then divided that figure by cost.8. Sociology People who enter the field of sociology generally are interested in helping thei r fellow man. Unfortunately, that kind of benevolence doesnt usually translate to wealth. Here are three jobs commonly held by sociology majors (click on job title and/or salary for more info) SOCIAL WORKERMedian Salary$47,12130-Year Earnings $2,779,195ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%CORRECTIONS OFFICERMedian Salary$39,63030-Year Earnings $2,337,376ROI of Degree Earner Attending Public College 61%ROI of Degree Earner Attending Private College 18% CHEMICAL DEPENDENCY COUNSELORMedian Salary$47,21030-Year Earnings $2,784,444ROI of Degree Earner Attending Public College 73%ROI of Degree Earner Attending Private College 21%7. Fine Arts Artists are respected, revered and celebrated. The trick is achieving that status while theyre still alive. After all, the term starving artist didnt come from nowhere. Here are three jobs commonly held by workers with a fine arts degree MUSEUM RESEARCH WORKERMedian Salary$48,40130-Yea r Earnings $2,854,689ROI of Degree Earner Attending Public College 75%ROI of Degree Earner Attending Private College 22% GRAPHIC DESIGNERMedian Salary$47,75330-Year Earnings $2,816,470ROI of Degree Earner Attending Public College 74%ROI of Degree Earner Attending Private College 22%PAINTER/ILLUSTRATORMedian Salary$37,81930-Year Earnings $2,230,563ROI of Degree Earner Attending Public College 58%ROI of Degree Earner Attending Private College 17%6. Education Ah teaching. One of the noblest professions. And while it stands to reason wed pay great sums to the chosen few who shape the minds of future generations, it doesnt quite work out that way. Here are three commonly held jobs in education DAYCARE CENTER TEACHER Median Salary$27,910 30-Year Earnings $1,646,131 ROI of Degree Earner Attending Public College 43% ROI of Degree Earner Attending Private College 13% ELEMENTARY SCHOOL TEACHER Median Salary$52,241 30-Year Earnings $3,081,172 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attending Private College 24% HIGH SCHOOL TEACHER Median Salary$54,473 30-Year Earnings $3,212,815 ROI of Degree Earner Attending Public College 85% ROI of Degree Earner Attending Private College 25% 5. Religious Studies/Theology Talk about finding your calling. While devoting your life to the church and dedicating your life to the service of others is laudable, its not going to leave you with a lot of profit after you earn your degree. Here are three commonly held jobs theological jobs RELIGIOUS EDUCATOR Median Salary$47,957 30-Year Earnings $2,828,502 ROI of Degree Earner Attending Public College 75% ROI of Degree Earner Attending Private College 22% CHAPLAIN HEALTHCARE Median Salary$51,127 30-Year Earnings $3,015,174 ROI of Degree Earner Attending Public College 80% ROI of Degree Earner Attending Private College 24% ASSOCIATE PASTOR Median Salary$61,811 30-Year Earnings $3,645,610 ROI of Degree Earner Attending Public College 96% ROI of Degree Earner Attend ing Private College 29% 4. Hospitality/Tourism Youre the wizard behind the curtain. The one whos working like a dog to make it all happen while everyone else is enjoying the fruits of your labor. Unfortunately, there isnt always a lot of financial benefit after earning your degree. Here are three commonly held hospitality jobs MEETING/EVENT PLANNERMedian Salary$55,47630-Year Earnings $3,271,972ROI of Degree Earner Attending Public College 87%ROI of Degree Earner Attending Private College 26%HOTEL RESIDENT MANAGERMedian Salary$65,07630-Year Earnings $3,838,180ROI of Degree Earner Attending Public College 102%ROI of Degree Earner Attending Private College 30%CATERING MANAGERMedian Salary$42,53330-Year Earnings $2,508,595ROI of Degree Earner Attending Public College 66%ROI of Degree Earner Attending Private College 20%3. Nutrition Its hard work making sure everyone else eats right, preparing nutritious meals and/or checking to make sure the nations food supply is up to snuff. But all that hard work and education necessary to land this job might not turn a huge profit. DIETICIAN Median Salary$53,679 30-Year Earnings $3,165,985 ROI of Degree Earner Attending Public College 84% ROI of Degree Earner Attending Private College 25% FOOD SERVICES MANAGER Median Salary$56,711 30-Year Earnings $3,344,813 ROI of Degree Earner Attending Public College 89% ROI of Degree Earner Attending Private College 27% FOOD SCIENTIST Median Salary$64,019 30-Year Earnings $3,775,838 ROI of Degree Earner Attending Public College 100% ROI of Degree Earner Attending Private College 30% 2. Psychology Were starting to notice an unfortunate trend regarding doing work for others with minimal pay. Maybe you can get inside the head of someone influential and find out why workers in this field dont get paid more for these jobs HUMAN SERVICES WORKER Median Salary$22,738 30-Year Earnings $1,341,086 ROI of Degree Earner Attending Public College 35% ROI of Degree Earner Attending Private College 10% CAREER COUNSELOR HIGHER EDUCATION Median Salary$43,384 30-Year Earnings $2,558,787 ROI of Degree Earner Attending Public College 68% ROI of Degree Earner Attending Private College 20% BEREAVEMENT COORDINATOR Median Salary$52,200 30-Year Earnings $3,078,754 ROI of Degree Earner Attending Public College 81% ROI of Degree Earner Attending Private College 24% 1. Communications Youd think the ink-stained newsrooms and TV studios are full of wealthy and famous journalists. Not quite. Although these skills require lots of education and training, they buried the lead regarding the lack of payoff. Check these communications jobs out COPYWRITER Median Salary$52,549 30-Year Earnings $3,099,338 ROI of Degree Earner Attending Public College 82% ROI of Degree Earner Attending Private College 24% NEWS REPORTER Median Salary$37,393 30-Year Earnings $2,205,438 ROI of Degree Earner Attending Public College 58% ROI of Degree Earner Attending Private College 17% MARKETING COORDINATOR Median Salary$50 ,455 30-Year Earnings $2,975,834 ROI of Degree Earner Attending Public College 79% ROI of Degree Earner Attending Private College 23% Be Prepared We know money isnt everything. A lot of people do these jobs and have great and fulfilling careers. But as the cost of education increases, its important to know if youll get your moneys worth and see a positive ROI. Good luck. Related Salary.com Content Knowing What Youre Worth 3 Keys to Determine Your Market Value 10 Things You Should Never Tell Your Boss 10 Ways to Avoid Office Politics From our trusted Partners From our trusted Partners Home Articles 8 College Degrees With the Worst Return on Investment

2 Tiny Cover Letter Errors That Cause Big Trouble

2 Tiny Cover Letter Errors That Cause Big TroubleCover Letter Errors2 Tiny Cover Letter Errors That Cause Big TroubleLike job seekers, bloggers often reach out and network with each other. Just this week, The Blog received an inquiry from a potential guest blogger. Her message started with a nice compliment (Your blog is so helpful) and referred to one of our recent posts. So far, so good.Unfortunately, it soon became clear that this particular piece of flattery welches less-than-sincere, as the next line said I would love to have one of our bloggers write a guest post for sitename.Wait, what? Who you callin sitename?Clearly, the writer had meant to replace sitename with The Blog but forgot. That tiny mistake made it quite obvious that the writer was not, in fact, reaching out to us in particular, but was simply sending out a mass mailing of form letters to a variety of blogs, hoping someone would take the bait. In this case it was kind of amusing and no big deal. But it would have b een a very big deal in a job search. If that one, tiny mistake had been made in a titelblatt letter, it could have spoiled a promising job opportunity. fruchtwein employers these days have more qualified applicants than they can handle, so even a small mistake is reason enough to eliminate you. Its about attention to detail. Youd be amazed how often job seekers make this kind of blunder in their cover letters. And while were on the subject, here are a couple others1. Wrong kind of greeting.Ideally, you should address your cover letter by name to the hiring manager for the specific job. However, if you have no way of finding out the name, use a greeting thats professional and gender-neutral. That may seem obvious, but some people really do still think its proper to start a cover letter with Dear Sir, or Gentlemen. (Hint Its not, and hasnt been for at least 30 years)Acceptable options includeDear Hiring ManagerGood Afternoon,(Or, if youre using a memo format...)TO Hiring Manager for M arketing Associate Position, Job Reference 167542. Wrong company name or job title.If youre sending a cover letter and resume to Smith Company, the employer surely wont be impressed if your letter says youre excited about the opportunity at Jones Corp. Or perhaps youre applying for a job as a Customer Service Specialist, but your cover letter says Customer Support Representative, because that was the job title at the last place you applied.Some employers might not even notice a small mistake. And some might have a higher tolerance for errors and let you get away with a typo or two. But most expect nothing less than a 100% error-free cover letter and resumeespecially if your job duties will involve written communications. One of your most important resources in the job search is someone you can trust to proofread your career documents. Its even more important to get some assistance if you have learning differences that affect your spelling, or if English is not your first language.Do whatever it takes to ensure that every detail is spot-on so the employer can focus on whats truly importantyour qualifications and fit for the job.

Richard Branson told Elon Musk he needs to sleep more

Richard Branson told Elon Musk he needs to sleep moreRichard Branson told Elon Musk he needs to sleep moreA few weeks ago the world became aware of Elon Musks astonishing work practices in a very revealing New York Times interview. Between his 120-hour work weekand using Ambien as a frequent sleep aid, the entrepreneur seemed to be half crying while talking to reporters.He also said he hasnt taken a full week off work since 2001 and that welches only because he had malaria.And this was all before a number of lawsuits came rolling out in addition to a$20 million fine from the Securities and Exchange Commissionafter hetweeted on August 7 Am considering taking Tesla private at $420. Funding secured. Most experts believed this was an erroneous move, perhaps one made due to lack of sleep.Clearly, Musk needs some help and guidance and who better to turn to than aleidher brilliant billionaire in the space industry? In a new interview with CNBC Virgin CEO Richard Branson said of Musk, I thin k he maybe needs to learn the art of delegation. Hes got to find time for himself, hes got to find time for his health and for his family. Hes a wonderfully creative person, but he shouldnt be getting very little sleep. He should find a fantastic team of people around him.Branson is correct in his advice. Musk does need to learn to delegate and not take everything on himself. He also needs to sleep more becausehis tiredness could be leading him to make bad decisions. It can also hurt creativity which is how Musk has become Musk.Dr. Jacqui Grey, MD for the NeuroLeadership Institute Europe, told HR Review The Mad Men stereotype of boozy lunches and afternoon naps may not apply to most creative people today, but there is some method in the madness that businesses can take on board. Sleep deprivation kills creativity, it sinks startups every day and is a problem at most large creative organizations that ask us for help. Creativity needs a rested mind if it is to flourish.Sleep improves memory and helps us make connections. Taking a 20-minute nap or simply going offline for a short period of time each day provides the brain with vital breathing space and time to reinterpret problems. Thinking too hard about a problem can make it harder to solve and it is often better to let the mind wander and allow the brains unconscious processors to take over.So listen up Musk Branson also had some more advice. Dont feel you have to put out tweets about public shareholders, leave the public game to people who enjoy that. He obviously doesnt enjoy it, so he should clear the decks and concentrate on the creative side, Branson said.

Increase Your Wealth Easily With These 8 Money Tips for Millennials

Increase Your Wealth Easily With These 8 Money Tips for MillennialsIncrease Your Wealth Easily With These 8 Money Tips for MillennialsHave you heard the news?Millennials are killing breakfast cereals.Theyre making firm handshakes obsolete.Theyre destroying the napkin industry, canned tuna, bar soap, and even fabric softener.If you believe the headlines, millennials are pretty powerfulexcept, it seems, when it comes to their finances.WellMillennials are drowning in debts.So, if youre a millennial yourself and you want to tame your spending splurges, read onYoull get 8 money-saving tips I tested myself to keep my head above water. And they worked.Inside Millennials WalletsHeres a look at the financial picture for millennials75% of U.S. millennials have some form of debt34% are holding-gesellschaft off on buying a home because of debt31% are holding off on saving for retirement because of debt46% of millennials say they have $0 in their savings account67% of millennials say they would h ave difficulty paying an unexpected bill of $1,000About 50% of millennials experience chronic stress over money.Yes, those statistics are grim. But its not because theyre throwing their money away on avocado toast.The truth is, coming of age during the 2008 recession has set millennials back.The employment rate for younger Americans has been slow to recover. Fewer millennials are employed than their parents were at the same age.And while salaries have stagnated, the cost of education, housing, and health care has skyrocketed. Millennials have 300% mora student debt than their parents and are earning lower salaries.Its no surprise that millennials are likely to be the first generation to be worse off financially than their parents.But that doesnt mean all hope is lost. There are steps you can take right now to improve your finances.Below, Ive outlined the 8 steps that I used to save up money to start and grow Transizion, a college and career prep company.These tips will help you achi eve your goals, slowly but surely. It will take time to develop new habits and change aspects of your lifestyles, but these tips are worth it.8 Financial Tips for MillennialsWant to increase your wealth, reduce financial stress, and build a mora secure future? Sure, we all do. Heres how1. Evaluate your financesThe first step is to get an accurate picture of your finances. How much money is coming in? How much money is going out? And where exactly is it going?You cant start working on your finances until you can accurately answer these questions. It can be scary to finally stare your finances in the face, but its exactly what will make developing new habits so much easier.Consider every expense. For example, how many subscriptions do you currently have? How often are you really using each subscription? Are they worth it?Luckily, theres an app for that Mint. Link your credit and debit cards to Mint, and itll categorize your transactions and show you how youre spending your money. Plus , its freeIt can be alarming to see how much youre spending on categories like fast food, but knowledge is power.2. Build a budget (and stick to it)Once you have a clear picture of your finances, create a monthly budget.Start by listing all your expenses. Begin with the most important (rent and other bills) and end with the least important (categories like entertainment).Decide how much money youll spend on each category. Some expenses, like most bills, will stay the same every month. Others may be one-time expenses, like attending a special event or purchasing a gift. Thats why you have to customize your budget monthly.You should also budget for savings. Experts recommend saving at least 20% of your income. If thats not practical for you, decide on another percentage thats more reasonable. Treat your savings like a required bill that you must pay each month.Of course, creating a budget is pointless if you dont stick to it.Remember that budgeting doesnt mean you can never treat your self. Its simply designed to prevent impulse purchases that youll regret later.If you really want something, add it to the budget for that month. Depending on your financial situation, that may mean sacrificing in other nonessential categories.If its still hard to stick to your budget, try the envelope trickPay your bills online or using your usual method.For each additional expense category, label an envelope Entertainment, Coffee, Groceries, Clothing, etc.Place the amount of money youve budgeted for that category (in cash) inside each envelope.The cash inside each envelope is the only money you can spend on that category until the month is over.If you absolutely must have more money for one category, youll have to take it from another.Sometimes, its helpful to physically see and touch the money assigned to each category, especially if youre a budget beginner.3. Use technologyMint isnt the only helpful personal finance app.You might also want to tryEveryDollar The EveryDollar app u ses the zero-based budget method, giving every dollar a purpose. It tracks your expenses and shows the amount youve spent on each budget item for the month and how much you have left to spend.Wally Wally is a simple, easy-to-understand financial tool. It helps you compare your income and expenses, track spending, and set and achieve personal financial goals. It allows you to scan and save receipts and see how much you can spend per day to stay on track with your goals.You Need a Budget (YNAB) If you get off track with your spending, YNAB helps you see what you should do differently to balance your budget. Online classes with a live instructor are included, and you can budget for individual projects like Christmas gifts. YNAB does carry a fee, but users say its worth it The average user pays off $500 in debt in the first month.Credit Karma A free, easy way to monitor your credit score, Credit Karma also offers useful tips for building credit. Youll learn whats affecting your current score and how you can make improvements.4. Reverse engineer your futureSometimes it feels scary to sit down and look at the big financial picture. But they say if you fail to plan, you plan to fail.Reverse engineer your future following these stepsThink about where you want to end up. What are your ultimate career and professional goals?Figure out how youll get there. Write down all the steps between where you are now and where you want to be.Budget for the steps in between. How much will each step cost? How will you pay for it?Determine what actions you can take now to start moving toward your goals.5. Dont be afraid to switch industriesAs you map out your future, you may find that major changes are necessary to achieve your goals. Dont be afraid to switch industries if needed.Think long-term. If you stay where you are now, where will you be in 510 years? Depending on the situation, switching industries may be a minor setback. But, in those 510 years, will you be farther along?If y ou make the decision to actually change your career, make sure to check out Career Change Resume Sample and Writing GuideYou shouldnt be afraid to move either. If the cost of living is high where you live, try to find a job that pays similarly in an area where the cost of living is lower. Or offer your services remotely from an inexpensive area.For real-life success stories and tips on how to start working from wherever you wish, see How to Find and Land a Job in Your Dream Location6. Manage stressSometimes, stress leads to reckless spending. And reckless spending leads to more stress, creating a nasty cycle.Trust me, while Ive been running Transizion, Ive faced plenty of stress, anxiety, sleepless nights, and self doubt. Im sure plenty of you have encountered the same struggles while pursuing your own goals.Taking action is one thing that will help you alleviate stress.Manage your stress levels with strategies likeExercisingMeditatingEngaging in enjoyable/relaxing hobbiesTalking to your support systemGetting plenty of restLaughing (at funny friends, videos, shows, stand-up routines, etc.)Limiting screen timeSpending time outdoors.7. Keep building your skillsIf you want to move up the ladder (and make more money) in your industry, you have to continuously develop your skills.Subscribe to blogs and podcasts related to your industry. Keep up with the latest trends and scope out the competition. Read books, take online courses, and get relevant certifications.Youll keep improving as an employee, and your boss will appreciate your initiative. When you ask for a raise, be sure to mention your growing list of credentials.8. Dont try to keep up with the JonesesStudies suggest that millennials spend money they dont have just to keep up with their peers. Images of nice cars, designer clothes, and expensive vacations on social media likely magnify this issue.Slow down and be conscious of your motivation for spending money. Do you really need the item? Are you trying to impress someone? Are you buying this because itll make a great photo on Instagram?Wanting to keep up with your peers is natural. But living comfortably and without financial stress is worth much more than any number of Instagram likes.If comparison is a struggle for you, limit social media usage with apps like Offtime, Moment, and Forest.So, what do you think?What financial tips have helped you the most? How do you find the discipline to stick to your budget? Are millennials really responsible for the death of breakfast cereals?