Why the Millennial generation is signing more prenups than ever before

Why the Millennial generation is signing more prenups than ever beforeWhy the Millennial generation is signing more prenups than ever beforeKanye Wests Gold Digger may have had a more lasting effect on Millennials than anyone previously thought. In the song, which reached peak popularity when the avocado toast-obsessed generation was in high school or college, West preached, we want prenup.Now, more Millennials are requesting prenuptial agreements, commonly referred to as prenups, before marrying.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreIn a study conducted by the American Academy of Matrimonial Lawyers (AAML), 62% of divorce attorneys surveyed saw an increase in the total number of clients requesting prenuptial agreements in recent years and 51% cited an increase in the number of Millennials signing the premarital contracts.Members of the Millennial generation are particularly choosing prenups as the best option to cover separate property holdings, business interests, anticipated family inheritances, and potential alimony claims, said Joslin Davis, the president of the AAML in a press release at the time the study was released.Millennials are getting married laterThePew Research Centerrecently released a new set of guidelines that declares which generation a person belongs to based on their birth year. The new guidelines define a Millennial as anyone born from 1981 to 1996, or anyone who is currently 22- to 37-years-old.The real reason for the uptick, though were not ruling out Wests influence, is thought to be linked to the trend of marrying later. Since 2005, the median age to get married has risen from 27 to 29.9 for men and 25.5 to 28.1 for women.The age increase means that Millennials have greater assets to protect by the time they wed, and thus more incentive to sign a prenuptial agreement.Millennials are not only the last generation old enough to remember t he events of 9/11 but also entered the workforce during and after the height of the economic recession of 2008. Pew reports that the economic state at the beginning of many Millennials careers greatly influenced their financial decisions, such as the choice to sign a prenup.Ladies choiceWhile the rise among Millenials is a notable trend itself, the AAML also reported an increase in the number of women initiating the request for the prenuptial agreement. Millennial women are asking for prenups more frequently than in the past, according to Peter Walzer, president of the AAML.I find personally were representing a lot more women who are requesting prenups, Walzer said.Walzer noted that the uptick comes from an increase of wealthy women who are looking to protect assets, such as cosmetic companies or styling lines.A new study reports that the pay gap has narrowed from 6.5 percent in 2011 to 4.6 percent in 2018. As the gap shrinks, there are more women becoming the primary wage earners i n a marriage, which could explain why more women are beginning to consider the legal agreement before getting married.Personal brands or companies arent the only reasons that women visit Walzer to inquire for prenups.I may actually do more prenups for women than I do for men, and a lot of them are for alimony, Walzer said.A separate AAML study reported that 45% of attorneys surveyed cited an increase in the rise of women being responsible for alimony. Also, more than half of those attorneys cited an increase in the number of women paying child support in recent years. These patterns in legal actions reflect the effects of not only the rise in the number of two-income households but also the equality in caring for children.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 c an make in an interview, according to 12 CEOs10 habits of mentally strong people

7 Resume Tips Every Recent College Grad Should Read

7 Resume Tips Every Recent College Grad Should Read7 Resume Tips Every Recent College Grad Should ReadCraft a strong resume that says youre ready for the workforce. Use these seven tips to help you send the right message to prospective employers with your resume.Ditch the objective statementWeve all seen an objective statement that goes something like this Looking for an entry-level position that will help me gain skills and allow me to contribute to an organization. This tells the reader nothing about the persons goals or relevant skill-set. Instead of your run-of-the-mill objective statement, use the space to give the reader your elevator pitch. In three to five sentences, explain what youre best at, most interested in, and how you can provide value to a prospective employer. We call this your professional summary.Include relevant key wordsIncorporate common terms and key phrases that routinely pop up in job descriptions youre interested in applying to (assuming you honestly have t hose skills). The ATS ( Applicant Tracking System ) software is programmed to scan your application for specific buzz words to determine if youre a likely fit for the role. You typically have to make it past that check point before a human will ever set eyes on your application.Describe your contributionsUse bullets under each job description to describe how you contributed or supported your team or managers projects and initiatives. A recruiter or employer is not expecting you to have a long list of professional accomplishments when youre fresh out of school thats one of the reasons why your education section is above your work experience on the resume. However, they want to get a sense of what youve been exposed to and if its relevant to the role theyre filling.Play up your strengthsYour relevant work experiences and internships are key selling points to employers. However, if you dont have much experience to list, focus on highlighting the areas where youve shined the most. For example, if youve received a number of awards for academic achievement, such as academic scholarships or making the honor roll, then create an Honors section below your education information. If you were cum laude, include that in your education section. If your GPA (cumulative or in your major) is brag-worthy, then include it next to your degree. If not, leave it off and focus on your other accolades.Highlight your leadership skillsAs an entry-level professional, theres more flexibility with the resume format. For instance, it might make sense to divide your experience into Relevant Work Experience and Additional Work Experience sections so that your relevant internships are at the top of your experience. Other students can benefit from including a Leadership section after their Work Experience to highlight their involvement in leadership programs or volunteer work, or to mention any positions they held within extracurricular activities.Include a skills sectionDont assume an employ er knows what skills you possess. If youre well-versed in social media channels such as Facebook, Twitter, Instagram, Pinterest, and LinkedIn, list them. The same goes for your familiarity with Microsoft Office Excel, PowerPoint, Word, and Outlook. Depending on the role youre pursuing, these skills could be valuable selling points.Keep the presentation cleanThe average recruiter looks at a resume for 6 seconds, so stay away from crazy fonts, colors and images. You want the focus to be on your qualifications, not the photo you included. Be consistent in how you represent locations (Atlanta, GA vs. Atlanta, Georgia) and time (Summer 2012 vs. May 2012 August 2012 vs. 05/2012 08/2012). Stick to a black font thats easy to read on and offline, such as Arial, Calibri, Cambria, Tahoma or Times New Roman, and a plain white background.Click on the following link for more information on crafting the right resume.

Designing the Ethical Engineer

Designing the Ethical Engineer Designing the Ethical Engineer Designing the Ethical EngineerA course in engineering design and another in engineering ethics might seem like wildly different beasts. One teaches students to make engineered goods, the other attempts to make students good engineers. But two professors at Georgia Tech have found that the best way to teach ethicsand designmay be to combine them into one class.Philosopher Robert Kirkman, an associate professor in the School of Public Policy at the university, joined forces with Katherine Fu, an assistant professor in mechanical engineering, to teach the course, Design Ethics. The inspiration came, in part, from the book Ethics in Engineering Practice and Research by Caroline Whitbeck, a philosopher and engineering ethics pioneer.The point she makes it that interesting engineer problems and interesting ethical problems have a lot in common, Kirkman says. You have to improvise in response to a complex and dynamical system.Tra ditional engineering ethics courses typically teach ethical rules and the consequences of not following them. The idea is that you do it once and the students are set our colleagues call it the inoculation model, Kirkman says. This was a step away from that.For You Targeting Chinas Mountains of SludgeInstead, Kirkman and Fu wanted to teach how to think ethically with every step of the design process. To do so, they found a real client with real design needs a school and treatment facility for children with mental health diagnoses that needed a new playground.Prof. Robert Kirkman (right) with a group of students in his Engineering Ethics course. Image Georgia Institute of TechnologyAlthough the project was for a good cause, the students did not always know how to make the best ethical decisions as they worked through it. A lot of our students, in my experience, are motivated by social impact these days, Fu says. They want to work on projects where they can make a difference to the wo rld.But those projects, usually for the developing world, tend to be parachute projects, where the students design from afar, parachute into a community and say Yeah, we saved your lives, Fu says. Maybe this is not an ethical approach to design. Maybe it should be collaborative, maybe they should be doing design themselves instead of having us act as their saviors.Kirkman and Fus students were immersed in these issues as they designed the playground. They met with the children (whose ages ranged from six the nineteen) to determine their needs. They also collaborated with the staff and learned their therapeutical approach. During the process, though, Kirkman and Fu found the students were resistant on several levels.The students come in thinking they know what ethics is, that they know the rules, they know what society expects, and you do it or dont, Kirkman says. The messy, improvisational nature of real-world ethical decisions both surprised the students and irritated them.Theyre u sed to clean exercises in the classroom, where theyre given a hypothetical design problem and have everything they need and its totally in their control, Fu says, We had to coordinate conference calls, get parental assents for the minors to talk to them, organize transportation to the school, get all the students in the saatkorn room at the same time to interact with them, and have all the proper legal documentation to do so. They were caught off guard and frustrated by how real the problem was.To Kirkman, all these frustrations were the very stuff of ethics. This is about ethics in practice, he says. Consent is about consent. We have these legal requirements because there is ethical value.By the end of the course, the dose of real-world ethics increased the students self-efficacy, according to surveys they took.Both Kirkman and Fu hope to teach the class again, but would change certain aspects. In particular, they feel they may have overworked the students. It often takes three or four tries to work out the bugs, and there were a lot of bugs, Kirkman says. One option would be to make the course a compulsory part of capstone design courses.Of course, there are benefits to learning ethics beyond becoming more ethical.If future employers can see that students are coming out with a level of sophistication over the people around them, that would set them apart, Fu says. If I were an employer looking for a new employee that would be really important to me.Michael Abrams is an independent writer.Read MoreInsect-Sized Robot Takes Flight7 Ways to Make More Money as a Mechanical Engineer3D Printing Trains Bomb-Sniffing DogsThe students come in thinking they know what ethics is, that they know the rules, they know what society expects and you do it or dont.Prof. Robert Kirkman, Georgia Tech

How to use the first five minutes of networking to impress

How to use the first five minutes of networking to impressHow to use the first five minutes of networking to impressAnyone who saw the news story about the Facebook data breach likely had the same reaction.Sigh, of course that happened.Who today is surprised at a massive data leak? Maybe the Target credit card debacle gave you pause. Or the Equifax breach. But now? Security breakdowns are so common we can only shake our heads.Excuse me while I seek credit monitoring services forever.The predictable is painful. That goes for data breaches and how we interact with one another. You know what happens at a happy hour when you talk and talk?Ladders is now on SmartNewsDownload the SmartNews app and add the Ladders channel to read the latest career news and advice wherever you go.The other people stand around and think Sigh, of course that happened. They become bored while you dominate the conversation.Thats why, in the first five minutes of any conversation, the smartest networkers do what no one expects they only ask questions.Yep, the best small talkers play the role of reporter and ignore their own back-stories. How? They use the six most powerful words in networking. I include two of those powerful words in bold down below.Smart networker Where do you work?partie Im a sales rep for iHeartRadio.Smart networker Oh, cool. Whats it like to work there?Person Its a pretty cool place. We often get tickets to free concerts and access to new music.Smart networker Thats pretty sweet. What shows have you seen recently?Person Well, lets see. Back in December I saw You ask a question. And then another. And then another. Youll get to your own life soon enough. Stay in the moment.Watch what happens as the conversation ensues.Smart networker Wow, you get to see all kinds of cool concerts. Do you have to work at the shows too?Person Yea, at the show in December, I had to work the merchandise table because the company who usually handles that service dropped the ball at the belast ung minute, and now were looking for another partner.Smart networker Oh, interesting. You know I work for a staffing agency and we provide employees for short-term gigs like that.Person Oh, really? Email me tomorrow and Ill put you in touch with our HR director.Do you see my point? If you remain laser focused on the other rolle, you will take the conversation WAY beyond Whats your name? and Where do you work? Now youre in the opportunity realm where a meaningful conversation can lead somewhere substantial.OK. Times up We reached five minutes into a networking conversation.Now what?If you want talk further, you have two options1. Wait for the person to say OK, enough about me. Tell me about you. Thats always best. You spent ample time in question mode, and now its your turn to dish out some answers.2. The person might NEVER say Tell me about you. Weve all met that guy or girl. Clueless to the world. When the person gives you a break in the conversation, interject with your own info.T hats a cool story. It reminds me of a situation at my job Heres the bottom lineWhether you have the chance to tell your lifes story or not, you already got what you came for, so to speak. You (nicely) interrogated someone else, gained knowledge you didnt have and perhaps found a way to network further.All from the first five minutes. All because you asked questions.Thiscolumnfirst appeared onDannyhRubin.com.

Why every culture should be as polarizing as cilantro

Why every culture should be as polarizing as cilantroWhy every culture should be as polarizing as cilantroCilantro We either love it or we hate it. Very rarely do we sit on the fence. Come to think of it, the same applies with pineapple on pizza or black licorice. I, for one, will pass on all three, without exception. The same didnt apply when I was looking for a job, though.When I was looking for my first job, I did what most people do I went to the job boards, LinkedIn, and other websites to look for my first consulting job. And while I found hundreds of job descriptions, none of them allowed me to understand what the real experience was going to be like. In hindsight, I often wonder what it would have been like if the job descriptions I read were any different from all of the others.The fault isnt on others though, I didnt ask the right questions and I didnt do my homework. I didnt change mora than a few lines on my CV and I didnt put in that extra effort.And Im not alone.The job- seekers I speak with today are all thinking the same thing theyre thinking that each job description looks as good as the last and that theyd be lucky to have a job at *insert great brand here.* The looks of the job description dont articulate what the experience is going to be like on the job. Similar to knowing that there is no way to understand what cilantro will taste like just by looking at it.Now talking to new grads or people who are looking for new jobs, I hear the same thing over and over. I hear people who are looking for a job that aligns with who they are and are left clueless when theyre looking to apply. Even today, a job description doesnt really describe the job, it just talks about the skills and requirements needed to do the job. The opportunity is to talk more about the experience while on the job. The opportunity is to know more about what our lives would be like as a result of the job rather than just what the skills we need to do it are.While cilantro isnt for everyone, jobs shouldnt be either. And to fix it, we need to be talking about what the experience is going to be while on the job, and not just the skills and experience needed to do the job, along with Value statements like Integrity, Honor, Respect (like anyone is going to not self-identify as respectful and honorable). If we can start talking more about the experience one might have while on the job and focus less on the leumund of the job and what it appears to be, maybe we can all make more educated decisions. If we can see what the office design is like, what work will look and feel like, if there are remote or flex opportunities, who our teammates are and what they value, if were going to be in meetings on the computer most of the day, then I think well be getting a lot closer to knowing if there is a fit or not.See, it isnt about right and wrong when it comes to culture and experience it comes down to what is true and untrue. It isnt about attracting males vs females, or Mil lennials vs. Gen Z (or other generations), for example, it is about attracting people who have more education about the position and what the experience would be like if they were to work there or not.It is a dream of mine that we actually like the work we do, and to do that, we need to know more about the position than the perks present and the skills needed to do the job. If people knew enough about the job, perhaps we can reverse this trend where job-seekers (myself included) will apply nearly blindly to tens of jobs without really knowing what were applying for. The more we know about a position and the experience while in it, the better our decision will be. No more do we want to think meh, I could work there, it is far better to think Im all in or its not for me, much like cilantro is for most of us.Eric Termuende is the co-founder of NoW Innovations, a bestselling author, and an international speaker. Termuende was recognized as a Top 100 Emerging Innovators under 35 globally by American Express, is a TEDx speaker, and represented Canada at the G20 Summit. He speaks and writes around the world about the future of work and human-centricity in the workplace. Website https//erictermuende.com/

The Inexplicable Mystery Into Teaching Assistant Resume Revealed

The Inexplicable Mystery Into Teaching Assistant Resume Revealed Teaching Assistant Resume - Is it a Scam? Resume application is really much beneficial to make the ready resume. Resume Constructor The work application building procedure is rather straightforward. Judging from its type, resumes are broken up into quite a few varieties. Transferable abilities, also called portable abilities, are features which might be transferred from one definite job to some other. Job-specific skills vary based on the position. You may have a foundational resume that compellingly articulates the most significant advice, states Heifetz, but you would like to change it for each opportunity. Do you should write or update a resume to submit an application for work. You, if youd like the job. Thus, if youre searching for a job for a teacher, along with your resume, you also need to pay appropriate attention to your cover letter. Furthermore, you can look for preschool teacher jobs on Monster. Now you are all set to compose a teacher assistant resume summary. Increasingly, teaching assistants are anticipated to experience an official application procedure, just as a teacher would. Being a real teacher assistant is a perfect job for me as I am already acquainted with the school and the majority of the staff and I would have exactly the same holidays as my children. He is usually hired to give help in terms of the daily processes that a teacher needs to undergo and the teaching requirements that are needed to be fulfilled. Education and credentials are quite important in the teaching profession, which is the reason they are also on the very first page. Teachers also should do the same if they need to get hired for a teaching job. The process of producing work application is rather simple and straight-forward. The capacity to edit your resume from any place in the world is definitely a considerable asset which you are capable of making use of to work with you land that approaching congrats. Youre going to be bedrngnisified while the overview of results is readily available that you binnensee and discuss. You wont have the ability to demonstrate all your abilities and characteristics in your application but where its possible, use illustrative examples. Becoming specific will show precisely how strong youre. You should renovate your curriculum vitae as desired if you decide to get the sort of job which you desire. Learning steps to produce work application in the right structure is important also. If youre unfamiliar in writing resumes, you can check ourA Sample Resumes article to find more thorough understanding on writing one. Writing one is quite easy, really. Excellent grammar is also warranted in regards to writing a fantastic and impressive resumes. Teachers will have a hard time carrying out their responsibilities without the assistance of a Teacher Assistant. To begin with, you can analyze the work posting that the business e nterprise creating to discover precisely what is important to find the positioning. The very first thing which you ought to do is identify the jobs you plan to complete an application for. Consider customer service rep skills job application for a tool, which you are able to strategically creates to keep a place to concentrate on a specific work and also to discover the middle of the organization. There are a number of different customer service positions to pick from. Choose which of your skills you would love to concentrate on in your resume. Hard skills can be categorized in an assortment of ways, dependent on your job name. As a teacher, you know that you discovered and honed a number of skills and abilities. Unfortunately, extensive dancing abilities and experience might not be sufficient to turn into a professional dance teacher.

How to Get Yourself Fired By and On the Internet

How to Get Yourself Fired By and On the Internet What do you have to do to get fired not only by, but also on the Internet? If you havent already heard the shocking, sad tale of Taylor Chapman, who recently accomplished this, zu siche it is (minus its coarser details). Chapman, a 27-year-old Dunkin Donuts regular customer, and, ironically, a commercial-video spokesperson, unwisely posted, on facebook inc, her profanity-laced, racist-fueled and ultimately self-destructive 8-minute video that got her fired by her South Florida boss, online, in a retaliatory video, after a torrent of online and voice mail condemnations. (Warning the company video is also profanity-laced.)The lurid details and condemnations are everywhere on the Net. The fire(her)storm her video and behavior triggered has even spread to The Daily Show, where she was mercilessly roasted, in an equally vivid, livid skit. Overnight, she became the most hated person on the Internet and poster child for self-sabotaging employees, as a direct result of the venomous, seething, self-indulgent and utterly miscalculated tirade sparked by her outrage. Outrage over what?1. Not having gotten a receipt with her late-night Dunkin Donuts purchase2. Having been told to wait until the next day to collect on the Dunkin Donuts guarantee of a free meal as compensation for an unissued receipt3. Alleged attitude from the counter server handling her purchase.At this point, further condemnation of her behavior and video is neither necessary nor constructive. Having allegedly gone into hiding and having erased as much of her trail on social media as possible, Chapman has, without a doubt, gotten the amply-made online-community, media and employers message.What is much more useful is to identify, in a general way and as a cautionary tale, the kinds of background factors, motivations, thinking and risks associated with such an egregiously failed cost-benefit calculation that can cost not only ones current job, but also future career opportunities. A Guide to Getting Fired OnlineAs a warning and an analysis, here is my how to get yourself fired by and on the Internet guide1. Claim rights, deny obligations This blunder is responsible for much of the incivility, narcissism, selfishness, self-entitlement and maybe even much of the violence of modern life (e.g., manifested in the exercise of someones self-perceived right to have your Nikes or iPhonenot just like yours, actually yours, with no offsetting obligation). Instead of seeing rights as but one side of a fair coin, balanced by corresponding equally important obligations on the flip side, anyone growing up now or in the past twenty years has been bombarded with the culturally approved message that a fair shake and fair toss require a one-sided coin stamped my rights. As ones inflated sense of entitlement expands without apparent limit, patience, gratitude and empat hy tend to disappear into some black hole of and in the soul.Thats what appears to have made Chapmans rant so natural, so righta matter of natural rights, e.g., for a replacement meal on demand, pure and uncontaminated by any notion or awareness of corresponding equally natural obligations, e.g., to be at least civil, maybe even understanding. Ask yourself this When, if ever, was the last time you heard or read a mention of the natural obligations of man in any discussion, e.g., of Thomas Paine, John Locke, the French or American revolutions, the Bill of Rights and, most importantly, of the natural rights of man?Google it (in quotation marks)youll find at least 798,000 results for the natural rights of man. The natural obligations of man? Only 175.The natural duties of man?Nine.2. Confuse notoriety with fame, celebrity and community If you want to get fired and maybe sued or even jailed, ignore the difference between being famous, celebrated and being notorious. To increase those od ds, also confuse these with community. Thats a lesson now incarcerated, heavily-fined and sued Vancouver hockey rioters are learning after videos of them committing assaults, robberies, firebomb vandalism, etc., in 2011 were used to handglied and arrest them. Because few of us still live in villages or even small towns, whatever sense of community and community acceptance and validation that may have once existed for us is sorely, if even only unconsciously, missed, leaving a void poorly filled by celebrity.Fundamentally, celebrity is the state of being familiar to and shown respect by a large percentage of the population offered unstinting hospitality by many of them being a target of envy, gossip and sought favors and feeling that we matter to others, including those who barely know us. Reread this list. Think, village. Now think, Brad Pitt.Hence the pervasive, sometimes deadly insistence on respect from strangers on city streets, far from any village, among whom are those ready t o shoot us for dissin them. Insecure with whatever validation their failing community can offer, they will demand or extort itor exact revenge if they and you fail. Completing this perversion and extension of community, celebrity itself has been broadened to include notorietyfame for doing something awful. Hence, there is blanketing obliviousness to how utterly different community and notoriety are, among those who expect community in-group support for doing something rotten.Looking for fame, celebrity, justice and a sense of community through notoriety may, through a horrible irony and to your dismay, thrust you into an online community much larger, much more aware and much less forgiving of you than any villageand force you to look for another job.3. Ignore the difference between quantity and quality (of YouTube views, Facebook likes, tweets, etc.) Chapman gleefully warned the Dunkin Donuts staff that her surveillance video would be going viral, unmindful of the full and natural i mplication of the term exponential and potentially deadly growth. That blissfully nave personal equation of boundless growth with bounty is a reflection of the deeply entrenched bigger is better, gigantomania, growth-is-good, GNP growth fixation of modern economies, societies and cultures. Somehow, we have come to believe that quantity is good, no matter what its quality or amount, even when it should be abundantly clear it is not. I cant wait to post this on Facebook, Chapman exclaims in the video. This kind of thinking (to the extent that any occurs), fixating on anticipated quantity, recklessly and delusionally equates it with quality. If you want to get yourself fired, get fired up about racking up a huge Facebook or YouTube pinball score, without questioning the wisdom of the game or what the score really means. Cant wait? If only she had.4. Mistake your Facebook page for the observable universe Social media are supposed to be media, conduits and bridges of communication, not self-contained, self-absorbed 2-dimensional social universes that obscure or replace the rest of the world and the people in it. When that is not understood, it becomes easy to imagine that not only is the world flat (as a screen)as ancient erroneously mariners thought, but also that it is populated only by friendspeople (who) like uson our Facebook page.Thats a very dubious and dangerous assumptionnot to mention sloppy statistical analysis, given the non-random, selectively screened sample of heavily biased and filtered Facebook friends on which its likely to be based. 5. Watch and mimic too many Jerry docke re-runs and other reality showsMaybe we should blame CNN and other news networks for incessantly asking, How do you feel? rather than, What do you think? Nah. Blame Jerry Springer and his live family feuds and brawls for elevating heat so far above light that an argument has come to mean only one thing, not twowar. Now, letting the world know how we feel seems to be widely reg arded as so much more important than either thinking more about what we feel or whether we should be feeling it in the first place. It certainly has become more important than thinking about or of the feelings of othersunless making them feel pain is what were thinking about. The upshot is that honesty has been reduced to or at least glorified as the emotional bullet to the heart, at the expense of the more thoughtful light shone on the mind.So, if you have some unfulfilled kamikaze need to vent rather than think, negotiate or empathize, go the Springer routeand, if you cant do it on TV, do it on your own show, on YouTube or Facebook. 6. Fail to grasp the difference between the privileged perspective of a video and an imagined perspective privilege of the video maker iPhones and other recording devices are easily misunderstood. The misunderstanding at issue here is to think that because they offer a privileged perspective (that of whoever is doing the filming), they also confer a p erspective privilege, namely, to lay indisputable claim to absolute truth and self-righteousness. Its as though filming is self-validatingin two senses The video is seen as validating its own content and therefore also as validating the video maker. To believe that is to imagine that the uniqueness of the video proves its truth and to confuse the privileged unique perspective with some presumed privileged knowledge.That is tantamount to forgetting a genuine truth Just because its all in your camera doesnt mean that what it means isnt also all or mostly in your head (case).Forget that, and you will be one step closer to stepping onto a global stage and falling off a career cliff.

7 Best Jobs for Single Moms Starting Over

7 Best Jobs for Single Moms Starting Over7 Best Jobs for Single Moms Starting Over01Teacherkate_sept2004/Getty ImagesFinally, another top job for single moms is being a nanny,babysitter, or daycare teacher. You already know that you love kids and have what it takes to be loving and firm, so why not make a career of it? Reach out to your local community college for classes in early childhood or get your start by working at a local child care center.

Pay yourself first The simple concept to start saving money

Pay yourself first The simple concept to abflug saving moneyPay yourself first The simple concept to start saving moneyHave you ever wondered why at the end of the month you have very little money saved?Or maybe you were going to put money away in your savings at the end of the month, but then wonder why there is little to elendhing to put away.Both of these situations are pretty common, but there is a simple method to breaking this frustrating savings issuepay yourself first.These three words combined create a savings method that everyone should use, but its also overlooked or forgotten.40% of people in the U.S.dont have $400 set aside for an emergency,accordingto the Federal Reserve.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreThe basics of pay yourself firstPay yourself first is the go-to strategy in the personal finance world and this phrase means automatically saving money from each pay check first, before doing anything else.The money can go to your savings accounts and investment accounts like a 401k or IRA.Yes, paying yourself first means the money you make goes to you first.Before any expenses or other purchases you may want to make.Sometimes, the pay yourself first strategy may be called reverse budgeting.This is because instead of prioritizing your money around bills and debt, its based on your retirement and savings goals.What are the advantages of paying yourself first?Saving money can beTOUGH. I found it quite challenging a few years ago, so I totally relate with the statistic back near the intro.Between all the expenses (utilities, rent/mortgage, debt, student loans, etc.)there never seems to be enough left to save.But thats why the pay yourself first method is critical.Most people (myself included a few years back) try to save money last of whatever might be leftover, instead of a set amount first.When you switch to the pay yourself first strategy, you h ave a much better chance to reach your particular savings goals and stick to it when you see progress.But, here are a few advantages to the is process.Teaches you how to prioritize your savingsPracticing pay yourself first, helps you change your mindset when it comes to money.It begins to establish good financial habits, that hopefully ingrains in your mind .You start thinking about money different and teaches you how to really be successful in your personal finances.Better prepares for your life happens fundsIve been calling emergency funds lately, life happens funds because leid everything is an emergency, but there are expenses as life shifts.But, when you pay yourself first, you establish a fund of money for the unexpected moments.You no longer feel stressed, worried, or need to go into debt to pay something.Establishing a good investing schedule for retirementInvesting for retirement is also something that can get overlooked or mistreated.Yet, for your financial future to be in a great place, paying yourself first is another advantage.By automatically contributing to your 401k or IRA, you are in a better financial position when you are ready to retire.It keeps you constantly contributing, no matter where the market stands.This helps you stay consistent and enkoranvers you getcompounding interestto work for your advantage.Helps you view finances differentlyWhen you start building your savings and you see this method working, it revitalizes your entire view on finances.I find it gives you more financial confidence in that you are in control of money, instead of money controlling you.This can be a huge motivator and no longer will you be lumped into some of those dismal statistics about money.How to start paying yourself firstYou are probably thinking, Well duh, just starting paying yourself firstIts in the phraseBut as simple as that might be, there are a few tips and steps to ensure you are successful.Know what your expenses areLike any part of good person al finance management, you should understand your monthly expenses.This lets you see how much per month you actually have to save before you get started blindly.This can help you see where you might be able to cut expenses to save more and the exact amount left you can divvy up in your pay yourself first plan.Create automatic transfers from checking to savingsI personally do not do this anymore because its become so natural for me to save, but I was automating when I first started.Many banks allow you to schedule recurring transfers in some way between checking and savings.Then you can choose the specific amount you want sent automatically to your savings account(s).Note I highly recommend keeping your savings account at a different bank than your checking account if you think you will be extremely tempted.Id recommend anonline bank like CIT, which provides over 2% interest and isFDICinsured.Participate in companys 401k planGet started with your companys 401k if they have one and yo u are eligible to participate.Money is automatically taken out and added to your 401k for you before you get your check, plus many companies offer the company match to a certain percent.And lastly, there are tax benefits as well.Thats paying yourself first and then someHave a side hustle?Send it all to savingsIf you have a side hustle that makes money or even just another job, try to bank most of it if you can.I realize you might be using this money to get ahead on bills and any debt, but if you are in a decent spot send this one directly to thathigh-yield savings account.If your side hustle is a business, then make sure to separate this income from your personal bank accounts.Saves you tax -time nightmares and hasslesBut I like to think of my side hustle income as almost non-existent right now.I never touch or use it, other than saving in my business bank accounts and paying any business associated costs.Related There are tons of side hustle ideas, but which ones can really produce a full-time income?Well explore this and morein this article.Saving money with debt is still importantThere is different advice about saving money when having debt.I agree that you should be paying debt and extra towards it if your interest is quite high (like credit card debt for example).But I also think its still important to save money as well.I actually wrote about thesaving money vs.paying debt conundrumI faced a bit more in-depth.Im not going to tell you what the right decision is for you specifically, but I think its important to do both, not one or the other.Final thoughtsIt took me almost four full years of my professional working career to figure out the pay yourself first concept.Its such a simple methodology to personal finances, but is so often overlooked.The earlier you establish this strategy with your money, the better financial life youll have.But, the important part isgetting started now, is better than never.As you started reading more financial blogs or books, youll probably come across the paying yourself first philosophy quite often.I personally first read about it inRich Dad, Poor Dadand it has been a financial game changer for me over the last few years and can be for you as well.This article originally appeared on Invested Wallet.

Rise and fall of the landline 143 years of telephones

Rise and fall of the landline 143 years of telephonesRise and fall of the landline 143 years of telephonesThe global economy has changed dramatically over the past century and a half.When I lecture my Boston University business students on this topic, I use one of the worlds fruchtwein transformative inventions to illustrate my point the telephone.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreBefore the telephone was invented, it was impossible to communicate by voice across any kind of distance. The landline in 1876, along with the telegraph a few decades earlier, revolutionized communications, leading leap by leap to the powerful computers tucked snugly in our pockets and purses today. And in the process, living standards exploded, with inflation-adjusted GDP surging from US$1,200 per person in 1870 to more than $10,000 today.What follows are a few facts I like to share with my students, as well as several others that you might not be aware of about how the phone has reshaped our lives and continues to do so.Watson I want to binnensee youOne of the reasons I use the telephone in my lectures is because inventor Alexander Graham Bell actually created his phone and made the first call while a professor at Boston University, where I teach economics.But thats not the end of the story. Controversy continues over who actually invented the phone first. While Bell won the series of court battles over the first patent, some historians still give credit to Elisha Gray or Antonio Meucci, both of whom had been working on similar devices.The first telephone call happened on March 10, 1876, a few days after the Scottish-born inventor received a patent for the device. After he accidentally spilled battery acid on himself, Bell called for his assistant with the famous phrase Mr. Watson, come here I want to see youIn fact, in 2002, the U.S. Congress acknowledged Meuccis role in the invention of the telephone though it didnt give him sole credit.Number of connected telephonesPhones abfluged out as novelty items shown just to kings and queens.Today, they are something almost everyone carries with them, even the homeless.In 1914, at the start of World War I, there were 10 people for every working telephone in the U.S. By the end of World War II in 1945, there were five people for every working phone.The technology passed a key milestone in 1998, when there was one phone for every man, woman and child in the U.S.As of 2017, there were 455 million telephone numbers for the United States 325 million residents, or 1.4 per person. About three-quarters of those numbers were tied to mobile phones, a little over 10 percent were for old-fashioned landlines, and the rest were for internet-enabled phones.This Trimline phone came out in December 1986.Wikimedia Commons, CC BYPeople used to rent their phonesIt may sound odd today, but until the early 1980s many consumers had to rent their phones from ATT.Until then, the company had a monopoly over most of the U.S. phone system. And in many states, ATT would only rent phones to customers. In the early 1980s, the rental fee was $1.50 to about $5 per month depending on the type of phone.That changed in 1983, when the U.S. government ended ATTs monopoly. Consumers in all parts of the country suddenly had the option to buy their own phone. At the time, the price for the most basic black rotary dial phone was $19.95, or a bit over $50 in todays dollars.The fanciest Trimline phone with push-buttons, instead of a rotary dial was sold for about $55, which is just under $150 today.Plummeting costsOne reason phones have become so indispensable for communicating is that the cost keeps dropping to make calls.Making a coast-to-coast phone call a century ago was very expensive. Back in 1915, a three-minute daytime phone call from New York City to San Francisco cost $20.70. Adjusted for inflation, that means the rather abrupt call cost more than $500 in todays money.Over the next half-century, prices fell drastically, although it was still rather pricey. In 1968, the same three-minute call cost $1.70 or about $12 today. Thats why, when I was dating the woman who became my wife, we primarily spoke at night when phone calls were much cheaper to save a little money.Today, almost no one thinks about the price of a single cross-country call or tries to keep conversations short to save money. Phone call prices plummeted after the breakup of the U.S. telephone monopoly in the 1980s. And the invention of technologies like voice over IP popularized by Skype pushed prices down even further.Prices have gotten so low that the Federal Communications Commission stopped tracking the cost of long-distance calls in 2006. After decades of recording phone call costs it reported the average long-distance call in 2006 cost just 6 cents per minute. Since most people dont pay by the minute anymore an extra minute of talking on the phone today is effectively free.Theres a dark side to cheap calls, however. Robocalls are now constantly spamming Americans. The same reduction in price makes it easy for con artists to ring millions of phone numbers looking for someone gullible enough to believe their pitches.Phone demographicsIt gets a bit more interesting when you look at what types of phones households still use. There has been a dramatic shift in the last few years from landlines to cellphones, with a surprising connection to our well-being.In 2018, a government survey found that almost 55 percent of households use cellphones exclusively, up from less than 10 percent in 2005. Another 36 percent have both a mobile phone and a working landline. Just over 5 percent of those surveyed said they relied entirely on a landline, compared with over a third of households in 2005. The remaining 3 percent said they didnt have a phone.So who are those people who still only use landlines?Since its the Center s for Disease Control and Prevention that actually conducts this survey, we know a little more about those 5 percent. As you might expect, they are primarily elderly people and they tend to own their homes. In contrast, households that have only mobile phones are more likely to be made up of young people who are renting. Theyre also more likely to be poor and live in the Northeast.In terms of well-being, the CDC notes that the adults in wireless homes are more likely to be healthier and get plenty of exercise than those with only landlines. Conversely, they are also substantially more likely to have had at least one heavy drinking day in the past year and more apt to be a current smoker.Phones have reshaped our lives. The next time you pull out your phone, spend a minute pondering what your life and the world would be like if the phone hadnt been created.Jay L. Zagorsky, Senior lecturer, Boston UniversityThis article is republished from The Conversation under a Creative Commons lic ense. Read the original article.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