Types of Medical Insurance  Since health benefits were introduced in the U.S. marketplace in the 1940s, they have been both a blessing and a curse. No one wants to be without them, but few of us can afford to pay full freight either. Most people get health insurance through their jobs or are covered through a family member's insurance. This is called group insurance. Group insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost. Some organizations offer only one health insurance plan and others offer a choice of plans: a fee-for-service or inde... view article details

You may not think you are in sales, but if you are involved in a job search, you are! It’s important to understand that your resume is more than a calling card and less than a comprehensive record of your career. Your resume is a marketing brochure for what you want the company to buy – and that’s YOU!Although you may not have a background in marketing or sales, thinking about yourself as the “product” your resume is selling can help you land an interview. It can also be helpful to move your focus away from your personal goals in the documents. If you are still using an objective statement in ... view article details

If you open up a biology textbook and look at the pictures, you'll find a number of dull images of DNA, chromosomes, and photosynthesis that have been putting you to sleep since high school. Unless you’re looking at a book with new and enthralling scientific illustrations by Nicolle Fuller. As an independent science artist, Fuller conceptualizes and creates the scientific images found in magazines, scientific journals, and textbooks. Her artwork runs the gamut from paintings of ancient dinosaurs to intricate depictions of highly complex cellular systems. What every one of her pieces has in com... view article details

Design Matters Whether you consciously think about it or not, design has an influence on the decisions you make every day -- the phone you use, couch you purchase, shoes you wear, and websites you visit. Why is it then, that the concept of design still seems to be in the dark ages when it comes to job-hunting? Many people think that great design is too expensive, but my feeling is that design is an investment.If you've got the knack for it, it's worth it to take classes and become skilled with the latest software. If it's not your thing, find a designer you enjoy working with who unde... view article details

Q:  Sometimes, as I arrive at a prospective employer's office for a first interview, the receptionist hands me an application that must be filled out before the HR manager interviews me. This protocol seems to take the focus of the interview away from my candidacy. I prefer not to disclose personal information such as salary history, age, Social Security Number, etc.before we've discussed my skills, my experience, and the benefits I can bring to the organization. How can I handle this situation tactfully without giving offense?A:  Organizations sometimes expect applicants to complete an applic... view article details

Good manners are good for business, while great manners can set you apart. If you're under stress or in a hurry, it's easy to let your guard down and fail to observe the basics. But if you take a deep breath before you call, good manners can actually get you the results you want - faster. Here's a rundown of some quick tips to brush up on your phone manners and phone style.Phone strategyTreat the call as if it were a meeting - have a purpose, and an agenda.Decide what you'll do if someone answers other than the person you're calling. Would you prefer to leave a message, go to voice mail, or ca... view article details

If you're short on cash but keen to build an investment portfolio, you may want to consider a DRIP. Shorthand for Dividend Reinvestment Plans, DRIPs allow individual shareholders to bypass brokers and make stock transactions directly with certain publicly traded corporations. The beauty of DRIPs is that they offer us all a way to get into the market - even on $50 a month. More than 1,000 corporations offer Dividend Reinvestment Plans, from blue-chip companies like IBM, Chevron, and McDonald's, to overseas firms such as British Telecom, Elf Aquitaine, and Sony. To get yourself started on one, c... view article details

With the overwhelming number of applications and resumes received on a daily basis, recruiters must do all they can to manage the flow -- thus resume filtering software.What follows here varies by company and position, but for now let's work from this premise: In the larger (and not so large) companies, your resume/application is not initially viewed by a 'real human person' but is scanned and graded by a piece of software and then archived until those results are called up. What this means is that only those resumes that 'made the grade' (literally) will rise to the top of the pile to be revi... view article details

Getting Through  Although email and instant messaging are quickly becoming standard forms of office communication, the telephone still plays an important role in business. Just like a face-to-face meeting, telephone conversations are expected to and should follow certain rules of etiquette to help make the experience pleasant and productive for all those involved. It's easy to forgo manners when talking over the phone. Distractions abound, from impromptu meetings or email notifications blinking on your computer screen. Remember that a conversation over the phone carries just as much weight as ... view article details

Failure to Adapt to the New Working World Will Leave You in the Unemployment Line by 2020 Times Are Changing While the year 2020 may feel futuristic, in reality it's just around the corner. Will your career be prepared to fly into orbit, or will it stall on the ground? We’re predicting 10 global trends we believe will shape the future workforce. In addition, we'll share tips and hints that help you plan for and respond to these trends. Read on to make sure you'll be considered relevant and not a relic. 10. Global Talent Seeking As countries continue to invest in emerging economies -- spec... view article details