Resume and Interview Tips by Julie Street from Life Path Career Coaching and Clarity Career Management. Guest blogger Julie Street provides assistance for you to prepare a job application. This document offers concise and invaluable tips on writing a great resume, creating a powerful application, using the STAR method in preparation for writing these documents as well as for an interview, and finally a checklist to ensure that you have not forgotten anything important in your job application.
Archives for August 2013
This informative Powerpoint was presented by Lee Rainie at the Boomers Business Summit in Washington DC, March 28 2012.
If you’re considering retirement, deciding whether or not you’ll need to keep working can be a difficult and confusing question. There are a number of things to consider, but the list below should help you to make an informed decision.
1. Consider your actual living expenses after retirement
Once you know how much you’ll need to keep your household going from month to month you can find out if you might be eligible for any government assistance and how much you’ll be able to draw from any investment accounts or your superannuation.
You’ll need to be aware that working after retirement could actually push you into a higher tax bracket, which might alter the amount of money you have to live on each month. Determine what your tax liability will be, including Social Security and any other income you may have, then determine how continuing to work will impact that liability.
2. Understand how working will impact your Social Security
There are a couple of factors to be taken into account when determining whether or not working after retirement is going to impact your Social Security. It will be impacted by the age at which you retire and your income from work. If you decided to wait until you had reached fill retirement age you can earn any amount without reducing your benefits. On the other hand if you retired anytime between the age of 62 and your full retirement age, you can be penalized financially for earning more than around $15,000.
By researching the full retirement age for yourself you can discover the cap on your income. If you exceed that cap for a full year your Social Security payments will be reduced by $1 for every $2 you go over, and if it will be less than a year you will lose $1 for every $3, but the income limit is significantly higher. Use government resources to be sure that you are being given the most accurate information.
3. Determine what the best health care option will be
Once you’ve reached age 65 you will automatically qualify for Medicare. If you’re still working you may also be paying for some private insurance through your employer, and it will be in the best interest of that insurance company to get you moved over to Medicare as soon as possible.
For many people this is a great option, but in some cases a private insurance plan will cover treatments and procedures that Medicare won’t. It is important to realize that you can keep both types of coverage, but bear in mind that you will be paying to health care premiums. Speaking with your medical provider and a representative from both of these insurers can help you to sort out the best option for your health and finances.
4. Research how working in retirement will impact your pension
If you have a pension or a 401K plan, you’ll want to speak with the administrator of that plan to understand what effect working in retirement will have on it. While continuing to work can reduce the amount of time you’ll spend draining these funds and even increase them with added contributions, some pension plans max out at 30 years and continuing to work could lead it to stagnate or even to be reduced. On the other hand, some pensions are based on your most recent salary with the company, and if you decide to drop down to part time with the same employer to supplement your income, a large portion of your pension could disappear.
5. Decide whether or not you’ll spend your golden years doing something you love
One of the best advantages of working in retirement is the fact that money can be a secondary goal. If you’ve planned and invested well, and if you live within your fixed means, you can choose to do something that you find interested, fulfilling, or fun, and worry less about how much it will contribute to your income.
Some people find ways to work from home, some work as consultants in their former industry, working to shape it for the better. Others endeavor to write their history or give back to their community. The most important thing to remember is that you now have the luxury of choosing how to spend your time, so why not spend it doing something that makes you happy?
Arlene Chandler works as a freelance writer for Suncorp, a company that provides income protection insurance for Australians.
I’ve been asked a lot lately about whether age is the reason that a person isn’t getting the jobs they apply for. I know I should know the answer, but frankly I don’t think anyone does.
Jumping on the age discrimination bandwagon
Anecdotally it is easy to jump on the ageism bandwagon. If an older person applies for a job, but they don’t even get to interview it is easy for them to presume that they were discarded because of age. If they are interviewed but are unsuccessful in obtaining the position it is again very easy to make the same presumption.
Is that definitely age discrimination? It feels good to blame that demon…The media often jumps to that conclusion so it must be right! Age discrimination in the workforce is something that we all hear about often, and so most people will be sympathetic if you claim that is the reason you didn’t get a job you wanted.
What if the real reason was nothing at all to do with your age? Would that tell you a different story? Might you stop blaming your age and start looking at your job search strategies?
If age isn’t the problem, what is?
The reasons why people don’t get jobs that they have applied for are complex at any age. These five reasons are often far more damaging of job search success than any age discrimination, real or imagined.
1. Being one of the crowd
Let’s start with numbers. If you apply for an advertised position chances are that you will be up against over 200 other candidates. If there is only one job, only one person is going to be successful.
2. Your personal marketing
Your resume has to show, concisely and effectively, that you already have relevant achievements, outstanding skills and enough experience to be extremely successful in this role. They are looking for someone for this exact job. Does your personal marketing, resume and LinkedIn profile in particular, match what they are looking for?
3. Your personality
We all have our own distinct ways of doing things. I know it is a challenging thought, but you may not be the sort of person they wanted in that job. It wouldn’t matter what you had done, if you aren’t the sort of person they want then they won’t want you.
4. Too much, too little or just right?
Recruiters are human. So are interviewers. So are employers. Each have their own distinctive ideas about what constitutes a great candidate for a job. The resume that one person loves may not appeal to another recruiter. Your style in an interview may be exactly what one interviewer wants, but another favours a different candidate. You can only do what is true to you.
Attitude shows on your face and in your body language. If you believe that you deserve a job simply because you have been around for a long time then that attitude will show itself in some way. I think of that as reverse ageism…People who believe they should be prefered because of their years of experience rather than their achievements. Life just doesn’t work that way, and neither does recruitment.
6. Showing your age
We aren’t discussing face creams and botox here, nor borrowing clothes from your ‘twenty-something” kids. Age shows by not being contemporary in your skills and attitudes. “I’m not very good with technology” is a statement that almost guarantees that you will not be taken seriously in a contemporary workplace. Submitting a dated style of resume or dressing in an old-fashioned way immediately suggests that you will not have contemporary practices at work.
If you make the presumption that you will face age discrimination during your job search you are probably right. If you put that aside and aim to be the best candidate for the job, regardless of age, you may be amazed at what you will achieve.
By Jenni Proctor
Those who knew me back in my singer/guitarist days will understand what a thrill it was for me to see Joan Baez perform last night.
Joan Baez was one of my main musical inspirations for about 10 years of my life. I listened to her, sang her songs and was so excited to see her perform in London ‘back in the day’ when I was a young backpacker.
It seems I wasn’t the only one! Last night at her concert in Brisbane the audience was enthusiastic, full of energy and most decidedly of a certain era. In the hour before the show started the theatre was full of baby boomers sipping wine and catching up with friends. There was a lovely atmosphere, even strangers chatting over their common bond of being a Joan Baez fan for so many years.
Joan is now 72. You’d be unrealistic to expect her voice to be exactly as it was when she was 30, or even 50. But the distinctive tone and the beauty of her voice were there, even if the high notes are no longer effortless and the clarity is a little diminished by time.
She made discrete references to her fascinating life, some of which would not have been understood by those who hadn’t followed her career. She performed her version of “Don’t Think Twice, It’s Alright” but in the middle of the performance she sang two lines in a distinctive Dylan voice, even mimicking his body language. The audience loved this acknowledgement of her past. It was a bit like chatting with an old friend in front of others and making a seemingly innocent comment, with only the old friend recognizing it as a revelation of past experiences that only they know about. You know what I mean? 😉
So many precious songs brought back floods of memories. For me the songs took me to thoughts of old friends, to exhilarating days and times of deep sadness, to singing with others in many wonderful times and places. "We both know what memories can bring. They bring diamonds and rust……And I'll take the diamonds"
Most of all it made me wonder why I ever stopped playing that guitar and singing….and could I start again just for fun?
By Jenni Proctor