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Rule of 72

The Rule of 72 is a mathematic way to determine how much our money will increase over the years. By dividing 72 by the rate of return investors can get an estimate of how much your money will double in a few years. Using the Rule of 72 can allow you to retire happily in a stable financial environment. The money you earn is in your hands so why not make your money work for you while you don’t have to lift a finger?

This is how. 

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Returning to Work After a Break is Not Impossible

Returning to your career after a break can be difficult but, with the right preparation it is achievable. Show employer in an interview that although you took a break you are committed to the business. In today’s society the biggest set back is technology. People who have been away from the working life for a while may not be up to date in the current technology use of their department. Volunteering in your field is also a good way to keep your mind and body active.  Provide examples of your work experience prior to the break that show you are willing to be fully invested. Don’t apologize for being out of the game prove to them that you are at the same level if not above your peers because of your break. Stay positive you are not the first person to take a career break and you will not be the last.

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Do You Know Your Rights?

The U.S. Government created strict guidelines for employers to follow when interview potential candidates. These boundaries were created for your safety and privacy. When being questioned for a position it is important to know what you are not required to answer to avoid bias in the workplace. Employers are not allowed to ask question pertaining to race, nationality, religious beliefs, age if over 40, sex, including pregnancy, marital status, domestic partnership status, sexual orientation, physical disability, AIDS/HIV status or mental disability. In New Jersey the law is called New Jersey Law against Discrimination and federal anti-discrimination laws. This law prevents employer discrimination based on personal information. These are examples of questions they are not allowed to ask you during an interview.

  • In what country were you born?

  • What languages do you speak at home?

  • Are you physically disabled?

  • Are you married?

  • Do you have a domestic partner?

  • Do you have children?

  • Do you plan to become pregnant?

  • What religious holidays do you observe?

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Getting Interview Ready Men vs. Women

Men

  1. Dress appropriate for the position you are applying for.
  2. A fitted suit is always a safe option.
    • It shows that you are serious no matter the task of the business.
  3. Avoid loud colors.
    • Employers want to hear you, not your clothes.
  4. Don’t overuse your cologne.
    • Axe is not having an interview you are.
  5. A fresh haircut is a suggestion but not always necessary.
  6. Don’t smoke before an interview.
  7. A simple collar-shirt is also a good choice for a interview.
  8. Clean nails.
    • Even if the job doesn’t involve you working with your hands, clean nails are a must.
  9. Wear black socks that cover your ankles if you cross your legs.
  10. Casual jewelry.
    • A watch is fine, but earrings and expensive things should be worn after you get the job.
  11. If you don’t have an iron, hang your clothes in the bathroom while you take a steaming shower it will get all of the wrinkles.
  12. If you have a choice in when you like to interview pick a time around 10:30am.
    • The morning rush has slowed down and the employer is eager for lunch.
  13. Sit up straight.
  14. Try not to use too many hand motions.
  15. Smile big but not too big.
  16. Shake the employers hand firmly before the interview and after while thanking them for their time.
  17. To be a boss you have to dress like a boss!

Women

  1. Dress appropriate for the position you are applying for.
  2. A fitted suit is always a safe option.
    • A skirt or pants is suitable.
  3. Avoid loud colors.
    • Employers want to hear you, not your clothes.
  4. Don’t overuse your perfume.
    • Victoria’s secret perfume is not having an interview you are
  5. Hair should be pulled back or neatly done.
  6. Don’t smoke before an interview.
  7. Makeup should be a neutral shade.
    • Anything on your face that you have to question is not appropriate.
  8. Clean nails.
    • No bright colors or chipped polish.
  9. Heels should be below five inches.
    • No open toed heels or open back.
  10. Stocking hose should be your skin tone.
  11. Casual jewelry.
    • A necklace is fine, but earrings and expensive things can be worn after you get the job.
  12. If you don’t have an iron, spray your clothes with hair spray.
  13. If you have a choice in when you like to interview pick a time around 10:30am.
    • The morning rush has slowed down and the employer is eager for lunch.
  14. Sit up straight.
  15. Try not to use too many hand motion.
  16. Shake the employers hand firmly before the interview and after while thanking them for their time.
  17. To be a boss you have to dress like a boss!

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Cover Letter

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Cover letters are to show in detail what your resume outlines. You should always have an updated cover letter regardless of whether the position you are applying for requires one. Using a template from online can make writing a cover letter easier. You can get more personal by searching up the hiring managers name, try to avoid addressing the letter with “to whom it may concern.” A cover letter should be one page long divided into about three paragraphs. Your first paragraph should include who you are, what position you are applying for and why your interested in that position. Complimenting the company is always a good way to show you know what the job is about and how they benefit others and potentially you. Paragraph two is about pitching your sale on why the company needs you. Describe three traits that the company needs that you have based on your prior work experience and life skills. Try not to restate things that were already said in your resume, but more so, expand on them. Do not cut and paste anything from your resume to your cover letter. Paragraph three is a conclusion. You should thank them for their consideration and reiterate that you are the person for the job. A cover letter is your time to shine.

  Here are a few videos that may expedite the process of making your cover letter.  Good Luck!

5 Things to know when writing your cover letter

How your cover letter should look in 2017

Crafting a cover letter

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ABOUT US

OIC of Greater Paterson is a non-profit community- based organization that has been meeting the needs of the economically disadvantaged individuals throughout the community. 

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