In debt and scared Millennials compared to Gen Xers and Baby Boomers

In debt and scared Millennials compared to Gen Xers and Baby BoomersIn debt and scared Millennials compared to Gen Xers and Baby BoomersImagine taking a snapshot in time of Baby Boomers, Gen Xers and Millennials just as each generation was entering the workforce. On average, how would the total assets and debts compare? Thats the premise behind our newest visualization.We took a deep dive into some recentFederal Reservedata to investigate thedifferences in debt and assetsbetween Millennials, Gen Xers and Baby Boomers. First off, we broke down the types of assets each generation holds in aggregate, whether thats equity in a home, other financial assets like stocks, business assets, equity in a vehicle and other real estate. We then compared the total debt each generation carries on average in red across the bottom, letting you easily get an idea for the relative balance of assets and income for successive generations.Its important to bear in mind researchers have adjusted these number s for inflation. This lets us make a fair comparison, for example, of home values between several different decades. Interestingly enough, Millennials in 2016 on average had mora equity in their homes compared to Baby Boomers in 1989, but much less than Gen Xers in 2001. In other words, despite entering the job market right after the housing crash and their reputation fordelaying when they purchase a homefor the first time, Millennials are actually doing just fine as homeowners.Things get even more interesting in other asset classes. Millennials are much better savers than people from previous generations, averaging $18,800 in the bank compared to $16,800 for Gen Xers and a measly $6,600 for Baby Boomers. Part of the explanation for why is that previous generations tended to grow their wealth in the form of small businesses. In fact, according to theSmall Business Administration, young people today are several times less likely to start their own companies compared to other generati ons. Thats because the Great Recession discouraged risk taking in the minds of many Millennials, forcing them to be more conservative with their money.That being said, the total debt loads across each generation tell an interesting story too. Cars have gottenmuch more expensive, forcing people to put more of their paychecks toward building equity in a vehicle than ever before. Lots of Millennials also take outmassive student loansto fund higher education. And thats because states are routinelydecreasing allocationsfor public institutions, not to mention the increases to tuition atprivate schools. College is still seen as the best way toimprove future earning potential, even if lots of college grads end up in jobs thatdont require a degree. The debt load for Millennials istherefore higher at $84,600 than for Gen Xers ($79,400) and substantially more than Baby Boomers ($59,300).DataTable 1.1This article first appeared on HowMuch.

10 Amazing Companies You Can Apply to in Less Than Two Minutes

10 Amazing Companies You Can Apply to in Less Than Two Minutes10 Amazing Companies You Can Apply to in Less Than Two Minutes The job hunt is hard enough. You already spend hours upon hours researching the companies youre interested in, polishing your resume, and preparing for interviews. The last thing you need on your plate is a complicated application process - you know, the kind of application that makes you open multiple tabs, scroll through several pages, and manually enter all of the information thats already on your resume (seriously?) before you can click submit.Fortunately, theres an easier way. When you upload your resume to Glassdoor , there are hundreds of companies on Glassdoor that you can apply to in an instant. Weve highlighted a handful below with strong company ratings and multiple job openings. Think they might be a good fit? Check out the jobs they have available - their hassle-free application processes mean that your next big career move could be just a few clicks away.Where Hiring San Francisco, CA Chicago, IL New York, NY Boston, MA Seattle, WA Atlanta, GA and moraWhat They Do Year Up is an award-winning national 501(c)3 organization striving to close the Opportunity Divide by providing young adults ages 18-24 with the skills, experience, and support that will empower them to reach their potential through professional careers and higher education.What Employees Say One of the most dynamic and rapidly growing nonprofits around, and it is due to a strong program that gets results, strong partnerships with corporations, and an experienced and driven leadership team. You come here for the mission and the students. In a year you can meet young adults who are looking for a better opportunity and see them achieve that opportunity. Lots of growth and change means lots of opportunities for personal growth and development. - Current EmployeeWhere Hiring Arlington, VA Washington, D.C.What They Do POLITICO is a global news a nd information company at the intersection of politics and policy.What Employees Say POLITICO is such an inspiring place to be, especially now The Pro department continues to grow and evolve with its employees. It is such a feedback-driven environment and every manager has an open-door policy. The training program is very interactive and you really feel part of the Pro family from day one. - Current Employee, SalesWhere Hiring Santa Clara, CA Orlando, FL Mercer Island, WA Highlands Ranch, CO Nashville, TN Braintree, MA and moreWhat They Do UDR, Inc. (NYSE UDR), an S&P 500 company, is a leading multifamily real estate investment trust with a demonstrated wertmiger zuwachs history of delivering superior and dependable returns by successfully managing, buying, selling, developing and redeveloping attractive real estate properties in targeted U.S. markets.What Employees Say Where do I start? They care, want you to succeed, they believe in you and they take care of you. When I fir st started I received a hand written letter from the CEO welcoming me to the company. Even as a national company they still make it feel like a small family owned, tight knit company. Everyone I have met has greeted me with a genuine smile.They are the best company I have ever worked for I would highly recommend this company - Current Marketing AssociateWhere Hiring New York, NY Dallas, TX Seattle, WA Chicago, IL Tampa, FL Irvine, CA and moreWhat They Do In the world of wines and spirits, the Remy Cointreau Group is an unusually exclusive player, with a limited sortiment of brands all positioned at the top end of their market from the premium level upwards to the outer limits of quality and price.What Employees Say I really enjoy the team Im on and get to touch on many different areas of the business each day. You are never told no when you ask to get into a different project. Its a great way to jump into a company and learn about each aspect of the brand that youre representin g. - Current EmployeeWhere Hiring Hayward, CA Rutland, VT Charleston, WV Las Vegas, NV and moreWhat They Do We provide our clients with the highest quality of claim service available in the industry & are recognized as a premier company, continuing to increase our role as a national leader in the claims service field.What Employees Say Nice place to work, nice people to work with. Case loads are reasonable and not excessive. Everyone is on a first name basis from top to bottom and it makes it nice to work with everyone. Nice work environment and everyone is accommodating. I tried ten years to get here and finally succeeded when a position came open at the Home Office. - Current Senior Claims AdjusterWhere Hiring Kansas City, MO Seattle, WAWhat They Do Valorem is recognized as an award-winning & trusted Microsoft Partner serving customers worldwide. As a leader in digital innovation, we transform businesses and deliver impact through honest commitment to our customers.What Emp loyees Say Great benefits and pay, great projects, great peers. Because projects are results oriented, time off is not limited so long as you hit your deadlines. The best thing about this company is they are continuing to work on improvements and in the year I have been here there has been a lot of action to keep people happy and productive. I have never had a company try so hard to improve an already great environment. There is a very west coast startup feel, with perks resembling things you hear about in places like Google. - Current Software EngineerWhere Hiring Draper, UT Nashville, TN Anaheim, CAWhat They Do Founded in 2005 and part of the historic Castle & Cooke family of companies that commenced business in 1851, Castle & Cooke Mortgage, LLC has become one of the premiere residential real estate lenders in the nation.What Employees Say I have worked for a couple of mortgage companies prior to coming to Castle & Cooke and this is by far the best place I have worked. The c ompany wants you to work hard and be accountable and in turn there are so many perks and great things offered to employees. The benefits are fantastic better coverage and inexpensive rates which made a huge difference to my paycheck. Gym reimbursement. We have lunches brought in and fun parties as a company which everyone loves. I feel happiness when I walk around the office. The management team works hard and is dedicated. I can see that they are stressed at times but they are the type that come in early and stay late to get the job done. I know that I will be able to grow at this company and plan to work here for years to come. - Current Operations EmployeeWhere Hiring Alpharetta, GA Bluffton, SC Valdosta, GA Hilton Head Island, SC Pritchardville, SC and moreWhat They Do Hargray Communications is a leader in the telecommunications industry, dedicated to meeting the communication needs of our residential, business, large enterprise and resort customers. What Employees Say Work ing for a company with a vision that is shared by all employees. Management is supportive and open to suggestion and invests in their employees success. Health and 401K benefits start very quickly. Management supports cross-departmental training and is open to looking at tools and resources needed to improve the company. - Current EmployeeWhere Hiring Framingham, MA Marlboro, MA Thompson, CT and moreWhat They Do JRI, a leader in social justice, provides an array of trauma informed services. We advocate for, support, and/or educate children, adults and families who are coping with a range of adversity. JRI partners with government , local communities, families and individuals to provide compassionate, expert servicesmaximizing each persons potential to achieve independence and long term success.What Employees Say In everything they do JRI shows how much they care about the people they serve, the employees who work here and the mission of the organization. From the beautifully ma intained offices and residential programs, to the exceptional benefits offered to employees, to the commitment to support staff to achieve career advancement within the company, JRI is a role model for what Human Services organizations should look like. Leadership at every level of the company is passionate about the work, proud of our accomplishments and dedicated to making JRI a welcoming environment for everyone who works here or is provided services by one of the many outstanding programs. - Current EmployeeWhere Hiring Coburg, OR Detroit, MI Tuscaloosa, AL Spartanburg, SC and moreWhat They Do Brose is the worlds fifth-largest family-owned automotive supplier. The company develops and produces mechatronic systems for vehicle doors and seats as well as electric motors and drives.What Employees Say Brose has so many perks, first of all great people to work with. As some colleagues move on to bigger and better opportunities, I see them asking to come back after a few months. Br ose tries very hard to keep our group busy with activities, events and sports.many perks here and great benefits too. - Current Administrative Employee

Life and career lessons we can learn from THAT Lena Dunham profile

Life and career lessons we can learn from THAT Lena Dunham profileLife and career lessons we can learn from THAT Lena Dunham profileLena Dunham is perhaps the most hated 32-year-old woman in America. The actor and writer can never seem to do anything right, even when she tries, and shes constantly being told to apologize for something.So its not surprising that after New York Magazine published a major profile of Dunham, people have delighted in detailing the most cringe-worthy moments from its text. But thanks to the brutal honesty and self-reflection Dunham exhibits in the profile, therbeibeie are actually lessons to be learned from her words about how to be a good person and live a happy life in a modern age when everything seems more complicated.Here are some of the takeaways from the New Yorkarticle.Stick to your ethics, even when it hurtsDunham has had a year of public scandal and tragedy, including her breakup with longtime boyfriend Jack Antonoff, an emotionally difficult hys terectomy and a failed TV show that could not ride on the coattails of her HBO hit Girls. But perhaps the largest scandal came when Dunham and her former partner Jenni Konner issued a votum about sexual misconduct allegations against Girls writer and executive producer Murray Miller.While our first instinct is to listen to every womans story, our insider knowledge of Murrays situation makes us confident that sadly this accusation is one of the 3 percent of assault cases that are misreported every year, the statement read. It is a true shame to add to that number, as outside of Hollywood women still struggle to be believed.The words shocked readers, who quickly reacted by calling out Dunhams hypocrisy. She was, after all, a woman who has been very vocal about her own sexual assault, and who has long branded herself as a feminist and ally to women.Dunham expected that people would know where she was coming from, as an advocate for these issues. But they didnt. Defending her friend - or her tribe, as she put it - landed her in hot water for being an ally to women until an accusation touched one of her own. Theres a lesson in that Ethics are important, even when they mean going against a loved one for the greater good (see Sarah Silvermans comments on her friend, Louis C.K.).Dont judge so quickDunham probably wishes she never issued the statement on Miller. But readers also didnt know the context in which she conceived of it.Dunham had just had surgery and was hopped up on drugs when she decided to come out in support of Miller, who had told her his side of the story months before the allegation appeared in the press. The statement was inconceivable from a feminist, and backlash was justified. But the surrounding narrative matters at least a little - Dunham, someone who has been vocal about her desire for children, had just had an invasive hysterectomy two days before and was in recovery.That does not make her words okay, but it probably does mean she should ha ve been shown some sympathy as she tried to piece her life back together. So theres a lesson for us readers who are so quick to criticize - perhaps we should take a step back and try to understand a perspective before we rip it apart.Burn it downThere is one line that stands out among all the rest in the profileA lot of the stuff that happened brde year couldnt have happened if I was happy in my life, right? Dunham says. It was almost like I was throwing a match, burning it down.Though its probably never great to torch the life youve built, shes right that all of her public shamings in the last year are likely symptoms of larger problems. She admits she and Antonoff probably should have broken up far sooner. Shes glad to be out of Brooklyn, where too many young moms reminded her of the life she could have had. She wants to refocus and turn her attention away from her own voice, which she has bolstered for most of her career, to give others a platform.Though must of us do not exist on the same plane as Dunham, her personal struggles are a lens through which we can view our own. If were self-sabotaging or too focused on our selfish problems, perhaps its time to look outward and reassess our lives. We dont need to light a match, but we can take a look in the mirror.

Make emotional connection a priority The best companies do

Make emotional connection a priority The best companies doMake emotional connection a priority The best companies doDespite all the focus on engagement tools to better motivate employees, evidence shows they fail to spark a real sense of belonging. Although 87 percent of organizations listed engagement as a top priority in a recent study, a mere 15% of employees report actually feeling engaged in the workplace.For employees to perform at their highest levels and be dedicated to the collective success of the organization, they need to love where they work. They need to feel an Emotional Connection (EC) a motivating sense of satisfaction and intellectual alignment that can only come from feeling appreciated and part of a shared and worthy purpose.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreWhen employees see how their work positively affects organizational outcomes, and that it matters to the ir managers, colleagues, and the wider world, thats emotional connection. It requires something deeper and longer-lasting than financial incentives. Increasing salaries, offering huge bonuses and other perk-based plans will not create legitimate, long-term buy-in from employees, despite the cost. Neither do engagement efforts, as they are often executed by HR departments, which keeps leadership in the dark and detached from the process and from employees. Employees want the opposite they want to feel aligned, and connected, with leaders.When employees feel supported by leaders and able to be themselves, and connect to each other in a deep way, it shifts their perception of their workplace to being In Great Company. Its a positive dynamic you are in a place you love to be, you want to give more of yourself, and you choose to add value. As a result, you are more willing and able to achieve your business goals.Not only is the state of emotional connectedness possible, but it is also in strumental to organizational success. Emotional connectedness undoubtedly inspires discretionary effort and passion from our employees and our customers, said Bob Maresca, CEO of Bose Corporation. Dozens of other CEOs, such as Hubert Joly, Chairman and CEO of Best Buy, concur.Leaders need to tend to five critical elements in order to spark emotional connection and improve workplace engagement and productivity. These elements are ubiquitous, implementation-focused, and together create a great workplace in which everyone is inspired to perform at their peak1. RespectFeeling genuinely respected is the prime reason people love their workplace and happy to be there. The sense of emotional connectedness is far deeper in environments where respect is established as a font of social currency and exchanged reciprocally.Making respect a part of the organizations ethos and talent management processes, as Starbucks and Wegmans have- is essential to applying this dimension.Respect is the element that catalyzes all the others to drive peak performance, the match that sparks the flame.2. Alignment of valuesEmployees thrive in organizations that place an emphasis on higher-order qualities such as honesty, integrity, and resonance with personal beliefs.The emotional connection is established when leaders and peers all embrace common values, and everyone holds each other equally accountable. Granular practices may be as simple as doing what you say you are going to do, or speaking a truth instead of avoiding it.More conceptually complex practices include living the values and ethics the company espouses, such as happens in Patagonia and Johnson Johnson.3. Positive futureEmployees thrive in progress-focused cultures that foster innovation and passion. Since positivity is a cultural contagion, emotional connectedness is achieved when individuals use it in a unified way to move forward together to achieve results. Although positivity may seem like a by-product of emotional connec tedness, it is also a powerful catalyst for creating an emotionally connected culture - as happens in WD-40 or Big River Steel.4. Systemic collaborationEmployees feel part of a great company when true and functional collaboration- becomes a part of the inner workings of the organization and its decision-making processes.Working in small teams, they co-create results using open communication channels, where information and advice for being better in the future are shared freely and frequently.Companies such as KeyBank and Atlassian observe several specific practices to co-create a sustained connection that drives results.5. Killer achievementKiller achievement delivers a combination of financial and emotional upside that amplifies the effect for everyone. Employees need to be empowered to focus on the customers and critical goals, with extraneous minutia eliminated.Objectives should be simply stated, with the system removing competing interests that block the path to success. This e ntails identifying and measuring the elements most important to the organization, and allowing easy options for leadership, organizational development, and executive coaching.Companies like Best Buy and Netflix ensure their people can create killer outcomes, keeping the organizations relevant, strong, and innovative.- - - It takes leadership buy-in to establish these five elements, and make aligning values, collaborating, co-creating a positive future, giving respect, and focusing on achievement all intrinsic parts of the organization. Frequent measurements should be made to gauge the changes happening in the organization, establish a consistent pattern of follow-up, and make sure everyone in the company stays involved. When this dynamic is set into motion in a workplace, everyone is aligned - and willing to do whatever it takes to preserve and grow the business together. In that scenario, everyone wins.Louis Carter is CEO of Best Practice Institute, a benchmark research consorti um and management consulting firm. He has served 100s of CEOs and C-level executives as executive coach and advisor, and is author over 10 books include Change Champions and Best Practices in Talent Management. He has lectured at universities and institutions worldwide and has appeared in nahe daran sein Company, Investors Business Daily, Forbes and more. His newest book is In Great Company How to Achieve Peak Performance by Creating an Emotionally Connected Workplace (McGraw Hill, January 2019).You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people

Who Is Lying to Us About Executive Summary Example Resume?

Who Is Lying to Us About Executive Summary Example Resume? What Is So Fascinating About Executive Summary Example Resume? Your executive summary is the secret to having your small business plan reviewed. Your promotion plan executive summary is a representation of what you may offer in regard to your advertising deliverable and aspirations. It must be unique and based on the current marketing needs of the business. A well-formulated executive summary for an advertising program is able to help you provide a constructive and robust impact that could make your advertising plan mora appealing, impressive, and relevant. Specifically discussing the business plan executive summary template, your enterprise investor would first wish to understand what your company is about or what you currently have. Call it an introduction to your company and youd be very perfect. Mention other professionals with whom you will want to do business, like accountants or lawyers. The Demise of Execut ive Summary Example Resume If your executive summary doesnt have urgency, the readers wont read it. Be certain to target readers that are very likely to implement the recommendations. An important consideration to bear in mind is an executive summary isnt necessarily a summary. You can have only four leading points of your whole executive summary. All key parts of the report were covered in the preceding executive summary. Theres no established order of appearance of the various important items included. The lengthier document delivers drill-down proof for this recommendation. Obviously, when you compose a precise and crystal clear summary and offer relevant explanations in it, it will certainly help you in the finest possible ways. When it has to do with writing the executive summary, youve got to forget employing the superlative degrees and prevent terms like, the very best, cutting-edge, ground breaking, world-classetc. In bigger firms, operations executives often have one specific facet of the enterprise to oversee, like finances or production. Based on the size of the business, the range of the position can fluctuate widely. If you need assistance with an instance of a very good executive summary for business program, you can post your legal need on UpCounsels marketplace. If youve been conducting a targeted job search that isnt generating any interviews or netting you zero results, it might be time for you to take a good look at the document youre marketing to recruiters and employers. What Does Executive Summary Example Resume Mean? Your small business plan walks the reader via your plan. Though the executive summary is the very first thing that the readers of your enterprise program will go through, you should write it brde because it summarizes everything with that start to the conclusion of your organization program. The businesss most important office is situated in Portland Oregon. Additionally, it becomes easy and fast for you w henever you write it in the long run. What is Truly Going on with Executive Summary Example Resume Executive Summaries are often regarded as a significant part any business program. Developing executive summary samples isnt just for the role of summarizing a business program. As its name implies, the executive summary is a short breakdown of your company program. Considering it is a summary of the remainder of the company program, the executive summary is typically the previous section of the company plan to be written. For a template you can use to compose a comprehensive small business plan see Simple geschftliches miteinander Plan Template. Its possible to easily produce an executive summary merely by reviewing and developing an overview of each part of your company program. The primary goal of writing an executive summary template needs to be to mention the project description, the company program, the expected budget and how different its from the remainder of the plans. Its possible to customize the template according to your requirement also. The Management Summary report is made in such a manner that a bigger report or proposal can be maintained in a brief document and the user wont be needed to read the massive report. Check to make certain that the summary is likely to make sense as a distinct document from the complete research study. When its simply as an overview of a paper since you have to publish one, then you merely will need to summarise the paper. Your executive summary must include a brief presentation of the outcomes of your market and competitive analysis along with other research studies you have conducted or immersed in to find firsthand info. Knowing how to make an executive summary for an advertising program can provide you an easier time to earn your target audience hooked into your ideas and actual plan of action. You can also take a look at event advertising plan examples. You can also have a look at personal adver tising and marketing plan examples. You might also like strategic marketing and advertising plan examples.

10 Productivity Tips to Improve Your Work Life

10 Productivity Tips to Improve Your Work Life Theres something really disheartening about reaching the end of a workday and feeling as if you didnt accomplish much. What many people fail to realize is that it is the little things youdo or dont do each day that impact productivity mora than any major crisis situation. If you would like to get more done on any given day, take a look out unterstellung ten productivity tips.1. Be a Ruthless Taskmaster in MeetingsPeople think they hate meetings. They dont. People love meetings that are productive gatherings of relevant individuals communicating with one another and working towards a common goal.What peoplehate are meetings that go on too long because nobody is keepingthings on track. Be the person who stops conversationsfrom being sidetracked and who cuts off the meaningless chitchat. Your coworkers will appreciate your efforts, and youll shave time -wasting minutes off of every meeting you attend.2. Stop Checking Your EmailUnless you are expecting something that urgent, you are wasting your time checking your email or other messages more than three times per day. Dont turn checking your email into a nervous habit. Schedule specific times during the day when you will check your email, send replies, and compose new mail.3. Work From Home When Tasks Require Significant ConcentrationIts frustrating and a waste of productive time to deal with interruptions and general office noise when you are working your way through expense reports or other tasks that require undivided attention. When you are working on a task that requires little to no human interaction, consider ditching the office in favor of your home or some other, relatively peaceful space.4. Stop Using Email to Replace ConversationWeve all seen it happen. A simple email over a simple issue becomes an exchange that eats up an hour of time. You can resolve things much faster if you simply pick up the phone, knock on someones door, or make contact on Skype. Youll fix small misunderstandings and get your point across much more efficiently.5. Reduce Errors by Creating ChecklistsPeople who perform repetitive tasks often become too familiar with them. The result is that they go into autopilot mode, and they dont notice errors until several steps later. This is, of course, assuming that they see the error at all.By creating checklists, you force yourself to verify every step that you take before going on to the next. Youll reduce the overall number of errors that you make, and youll also catch any errors that you do make right away.6. Take Breaks and Eat LunchIt may seem like powering through the day without stopping is the best way to get as much done as possible. In reality, this is a formula for becoming distracted, irritable, and tired before mid-afternoon.If you take a few breaks at regularly scheduled intervals, youll feel refreshed and ready to concen trate when you get back to your desk. If you insist on skipping breaks, at least take a lunch.7. If You Take the Train, Use Your Commute Time to Get Things DoneThis is the perfect time to update your daily to-do lists, send importanttexts or emails, and check in with the people you are collaborating with. You can also spend this time reading relevant articles and checking up on your companys social media pages.8. Break Large Tasks Into Small, Manageable Sets of Sub-TasksIt is very tempting, when faced with a massive task, to procrastinate and avoid it. On the other hand, it can also be tempting to put everything on the back burner until you have tackled the big job or you have worn yourself out trying. The former means that nothing gets done. The latter means that other important tasks are neglected, and youll likely burn out.If you break big jobs down into smaller jobs and schedule time to work through these little tasks each day, youll get the job done in a reasonable amount of t ime.9. Prioritize Tasks According to ImportanceTry using this proven technique to prioritize the tasks that are on your to-do list.Categorize each task as you get it, and work on the tasks that are truly important before you work on anything else.10. Shut Down Distracting NotificationsAt the beginning of each day, go to your phone and laptop, and shut down any pop up notifications and dings. This includes email and text notifications, chat heads, instant messaging, and any other app that could pop up and disrupt your work.-It really doesnt take that much tocombat the little distractions and interruptions that keep us from being as productive as we could be. All you have to do is follow these simple tips, and youll become a super-productive all-star in no time