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first_img*Offer valid for individuals deploying vPro without the use of an IT outsource, system integrator, or Intel engineer on site. Tell us about your vPro deployment* and receive something from our goody drawer! We have shirts, radios, backpacks, and more! We want to hear about your unassisted activation. We are interested to know how many machines were involved in your deployment, which provisioning model you went with, and the implemented use cases. Contact Michele Gartnerwith the details.last_img

Countries demand their fossils back, forcing natural history museums to confront their past

first_img By Gretchen VogelMar. 27, 2019 , 1:10 PM BERLIN—Step into the main hall of the Natural History Museum here and you’ll be greeted by a towering dinosaur skeleton, the tallest ever mounted. Nearly four stories high and twice as long as a school bus, the sauropod Giraffatitan brancai was the largest dinosaur known for more than a half-century. It has been a crowd magnet since it was first displayed in 1937.But the tidal flats Giraffatitan bestrode 150 million years ago weren’t in Europe. It lived in eastern Africa, today’s Tanzania, much of which was a German colony when the fossil was unearthed in the early 1900s. Now, some Tanzanian politicians argue the fossils should return to Africa.Berlin’s Natural History Museum isn’t the only one facing calls for the return of fossils, which echo repatriation demands for human remains and cultural artifacts. Many specimens were collected under conditions considered unethical today, such as brutal colonial rule that ignored the ownership rights and knowledge of indigenous people. “Natural history museums as we know them wouldn’t exist without the colonial period,” says Holger Stoecker, an African studies expert at Humboldt University here. He says repatriation requests are prompting new questions about the stories of “discovery” that many museums have traditionally told. The discussion “is escalating right now,” and highlights that natural history isn’t “apolitical and neutral,” says Ciraj Rassool, a historian and museum studies expert at the University of the Western Cape in Cape Town, South Africa.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*)Although German paleontologists have traditionally gotten credit for discovering Giraffatitan, it was in fact local residents, who knew the bones and used them in religious rites, who guided the foreigners to the find, Stoecker says. He was part of a 3-year project to document the history of the “Tendaguru expedition” that shipped 225 tons of fossils to Berlin between 1909 and 1913. The project reveals how local residents’ contributions were erased. For example, expedition documents call another dinosaur “Nyrorosaurus” after Seliman Nyororo, a local man who led the 1909 excavation of the skeleton. That dinosaur is now on display here, but is named Dicraeosaurus sattleri after a German mining engineer.The Natural History Museum in London is now facing at least three repatriation requests for prominent specimens: Gibraltar has asked for two Neanderthal skulls; Chile has requested exquisitely preserved skin, fur, and bones from a 12,000-year-old giant ground sloth (Mylodon darwinii); and Zambia has asked for the Broken Hill skull, a famous early hominin about 300,000 years old that’s usually classified as Homo heidelbergensis.Many of these objects were sent to Europe without much thought given to who might own them. The first Neanderthal discovered, for example, was unearthed in 1848 by a British lieutenant stationed in what was then the U.K. military base of Gibraltar. Some 70 years later, British archaeologist Dorothy Garrod found a Neanderthal child’s skull in a Gibraltar cave and also sent it to England for study.At the time, Gibraltar lacked facilities to house the bones, says Clive Finlayson, a paleontologist and director of the Gibraltar Museum. Today, Gibraltar is still formally part of the United Kingdom, but it has significant autonomy and its own government. It’s also home to several Neanderthal experts, and part of the territory has been named a World Heritage Site because of its rich evidence of Neanderthals.”These individuals should return home,” Finlayson says of the skulls. “They were discovered here. They were humans who were living here and died here.”The London Natural History Museum declined to comment on any ongoing cases, saying only that it makes its collections available “through tens of thousands of items loaned each year, hosting thousands of scientific visitors to use the collections” and via online data repositories. Negotiations are ongoing, Finlayson says. “I remain optimistic.”Chile is making a similar claim for the Mylodon remains. European explorers found them in the 1890s and shipped them home without permission from local authorities. They have ended up distributed among half a dozen museums in Europe. Chile retains a few smaller Mylodon bones and dung, but the spectacularly preserved skin specimens are a key part of its natural heritage, says David Rubilar-Rogers, director of paleontology at the National Museum of Natural History in Santiago.The Chilean museum has successfully retrieved other fossils, Rubilar-Rogers notes. In 2008, the Senckenberg Museum in Frankfurt, Germany, helped Chile repatriate a specimen of Pelagornis chilensis—an extinct bird that is the largest known, with a wingspan of more than 5 meters.Hendrik Poinar, a paleobiologist at McMaster University in Hamilton, Canada, who has sequenced DNA from Chilean sloth material in London, isn’t worried about the possibility that museums might have to give back key specimens. “The key is that [objects] are accessible for scientific study,” he says.Giraffatitan, for its part, will likely stay put. Rather than press for its return, the Tanzanian government has said it would prefer support for excavating new fossils, training local paleontologists, and strengthening its museums. The Natural History Museum here will host two museum staffers from Tanzania as visiting scholars this year, says Director-General Johannes Vogel.Meanwhile, Stoecker and Ina Heumann, the museum’s staff historian, are working on an expanded display documenting the dinosaur’s history. Stoecker also hopes to study the origins of the museum’s mineral collection, much of which was taken from Namibia during Germany’s violent colonial reign there.Vogel says the collaboration with historians has paid off. “We want to encourage others to see what rich science there is in all of this,” he says. “There is more than just a natural science story to be told.”*Correction, 28 March, 1:30 p.m.: This story has been updated to clarify the London Natural History Museum’s response to Science. ANTJE DITTMANN/NATURAL HISTORY MUSEUM Countries demand their fossils back, forcing natural history museums to confront their past The story of Giraffatitan’s discovery in eastern Africa long ignored the crimes of German colonialism and the scientific contributions of local residents.last_img read more

4 Ways to Boost Your Career Credentials Without Going Back to School

first_imgHave you been applying for jobs you’re completely qualified for, yet still haven’t had any success? It could be the fact that there are even more qualified candidates who are beating you to the punch.If you’re struggling to outshine your competition, your credentials (or lack thereof) could be preventing you from landing a job. Improving your credentials is absolutely necessary for a successful job search. Employers want to hire candidates who have made the continuous effort to improve and learn new skills. However, the only way you’re going to do this is by putting forth the extra effort into professional development.When it comes to improving your credentials, many job seekers feel like that need to go back to school. However, what you don’t realize is the number of opportunities available that provide you with professional development during your job search.As you continue your job search, here are some ways you can boost your credentials without having to go back to school or take a break from your search:1. Earn an accreditation.Earning an accreditation in your field is an excellent way to enhance your career. It gives you the opportunity to not only build credibility for yourself, but to also become recognized for your knowledge, experience, and accomplishments. Plus, you’ll be able to enhance your professional image without having to pay the extra money to go to graduate school.Earning an accreditation can be a time-consuming process and often requires you to have about five years of experience. Every accreditation program is different, however, most involve a series of presentations, tests, and evaluations by experts in your field.  Although going through this process is time-consuming, it’s an excellent way to show employers you are fully invested in your career.2. Become certified in a unique skill.Certifications are an excellent what to improve your credentials. Especially if you can become certified in a unique skill or program in your field, this will make you more marketable to employers.As you look at job postings, search for skills and knowledge of specific programs employers desire. If you see skills and programs consistently appearing in job postings, consider becoming certified in that skill. This way when you apply for a job and have a certification in a desired skill, it’ll make you a much more desirable candidate to employers.3. Enter a professional competition.Entering a competition is a great way to get involved with something you’re passionate about and to truly challenge yourself. It’s easy to get caught up in your job search and forget about what you love about your field. By entering a competition, you’ll give yourself the opportunity to work on something you want to, and even have the chance to be recognized for your success.Competitions give you the opportunity to have your creative work judged, become recognized by professionals, and of course, add another accomplishment to your resume. This type of involvement will show employers you take initiative, which is a trait many desire.Now, in the event you lose the competition, don’t think it all goes to waste. You’re going to have the opportunity to work on a project you love and have a finished project to add to your portfolio. Your efforts will show employers you are actively seeking opportunities in your field and want to showcase what you can do outside of the workplace.4. Take advantage of opportunities for professional development.Regardless of where you are in your career and job search, you can always be improving as an individual as well as a professional. Job seekers who make the commitment to become continuous learners are the ones who are more likely to land jobs. So, what are you waiting for?Whether it’s an online class or attending a conference, these are opportunities to help you improve your skills and stay informed about your industry. You will keep your skills fresh and maintain your competitiveness as you apply for jobs. These opportunities will also help you build your portfolio and provide more experiences to share with employers during interviews.There’s no better time than now to begin pursuing relevant certifications and making a name for yourself through professional development. Your initiative to build your credibility will show employers you are driven, passionate, and ready to bring results.What have you done to increase your credentials during your job search?last_img read more

9 Ways to Stay Focused at Work After a Breakup

first_imgEnding a relationship pretty much always hard, especially around Valentine’s Day. It undoubtedly affects your emotions, and your emotions dictate your behavior. It makes sense, then, that it would be difficult at times to stay totally on-task at work when you’re dealing with the aftermath of a split. Though you may be hurting on the inside, the good news is that there are lots of little ways you can make sure you keep up with your workload.Here are nine tips and tricks from relationship therapists and top HR pros for honing in on what matters at work, even when your mind is elsewhere.1. Use work as a distraction. In a healthy way, of course. “Focusing on work is not a healthy coping skill if it goes too far and you are avoiding the breakup and your feelings altogether, however, your job can serve as a healthy distraction to cope with the loss you’re feeling,” explains Lisa Bahar, a therapist based in California. While throwing yourself completely into work is too extreme, fully engaging when you’re in the office will help take your mind off of what’s going on. Bahar advises switching off your cell phone and staying away from social media while at the office. Instead, put your focus on actively participating in what’s going on at work. Devote your attention to one thing at a time versus multi-tasking, as this helps decrease anxiety and keeps your brain busy.  She also suggests that you leave on time and don’t go in early—you need those hours outside the office to take care of yourself more now than ever.[Related: What Is “Work-Love Balance” And Why You Need It NOW!]2. Stay mentally and physically healthy. On a similar note, Nancy Halpern, executive coach, recommends that you keep up with any healthy habits you have. “Eat right, sleep, exercise, and reach out to your friends and family,” she advises. “They are your best support network and they’re separate from your work life.” It’s true that the majority of the venting you do about your split should happen outside the office, so call the people you know you can count on to help you stay on top of your mental health. Now’s also when you can take the time to do things you maybe didn’t have time for before, like cook yourself healthy dinners, go to the gym as much as you want, and finally get around to incorporating a quick morning meditation into your routine.[Related: 8 Companies That Will Keep You Fit—Hiring Now]3. Confide in one or two trusted coworkers. But don’t tell everyone. Halpern also suggests letting one or, at most, two coworkers in on the fact that you just went through a breakup. You don’t have to get into the nitty gritty details with them (and shouldn’t) but it’s a good idea to have an ally if you need one.“ Ask them to help by taking you out for short breaks so you can recharge, like grabbing a cup of coffee or taking a walk around the block,” she suggests. “They can also be ‘spotters’ if you feel weepy or are looking disengaged.” 4. Try batching. If you’re having a hard time staying on track at work, it could be the perfect opportunity to try out a new productivity technique, like batching. “Batch together tasks that you frequently do so that you can be more effective,” says Brittany King, senior recruiter and founder of The Career Collective. “This will help you stay focused by keeping you on task.” New ways of organizing your day can help you keep your mind on what you’re doing, rather than dwelling on your breakup or getting wrapped up in your feelings.[Related: 5 of the Hottest Productivity Apps to Download Now]5. Work with other people when possible. “Interacting with other people rather than doing solo work tucked in a back office is a good way to distract yourself,” says Gretchen Kubacky, a psychologist based in California. If there’s a department meeting you normally would skip or you have a chance to work on a team-based project, now’s the time to go for it. When you’re engaging with others, you have less time to think about what’s going on in your personal life.6. Don’t go overboard. While it’s definitely advisable to concentrate on a specific task that you can devote yourself to, tackling the biggest project you can find immediately after a breakup is a bad idea. “You’ll probably just get overwhelmed, which will make you feel worse about yourself,” explains Halpern. Keeping your self-esteem high when you’re vulnerable is important, so choose projects where you know you can succeed through hard work. 7. Make new habits. You’re probably making new habits and routines outside of work, and you should definitely be doing it in the office, too. For example, “if your habit is to pick up the phone and text your now ex throughout the day, replace that with another habit such as taking a quick walk, drinking a bit of water, or texting a friend,” suggests King. Before you know it, the new routine will feel like second nature.[Related: 8 Morning Rituals That&’ll Transform Your Workday]8. Make plans after work. If you feel super alone during your time outside of work, that emotional distress might seep into your office life. “Schedule lots of things to do, from movies with friends, to dinner with family, to taking a new course at a local college,” says Halpern. “Schedule yourself three or four nights a week out so that you have lots of things to look forward to.”9. Use a to-do list. It’s simple tactic, but an effective one. “At the end of the workday, make a list of what you need to accomplish for the following day,” says King. “This will guide you through your workday and help you stay laser-focused when your mind is tempted to wander,” she notes. Not having to wonder what you should work on next will definitely leave you less time to think about your breakup.DISCOVER: Top 20 Employee Benefits & Perks for 2017last_img read more

What to Do When Your Boss Is Mad at You

first_imgThey say there are only three certain things in life: death, taxes, and your boss getting mad at you at one point or another. Okay, I may have added that last one in myself, but it’s true: as much as you’d like to avoid it, having your manager get ticked off at you is practically inevitable. We’re human, we make mistakes, and sometimes, we are going to rub people the wrong way.But if the thought of that fills you with dread, don’t worry — you don’t need to spend every day at work bracing for an eventual screw-up. With the right damage control strategy, you’ll have a plan of action down pat before you begin to falter. And that, in turn, won’t just help you smooth things over quickly — it’ll also help prevent a lot of unnecessary anxiety along the way. Whether you’re prepping for the future or in the doghouse right now, the tips below will help you navigate the trickiest of situations with your boss.1. Forget the Blame GameWhen you make a mistake, your knee-jerk reaction is often to deflect the blame away from yourself. But that’s “one of the most common reasons managers get annoyed or frustrated with direct reports,” says Wendi Weiner, Resume Writer & Career Transition Coach. “Direct reports will approach managers with problems and point the fingers at the wrongdoer, while also shaming him/her in a very defensive way. In the end, that makes you look like a bully and someone who can’t play nice during recess.” And ultimately, that “will worsen an already bad situation,” Weiner says. “Engaging in a path of blame and shame is going to cause more anger in the workplace, and less cohesiveness.”Instead, Weiner advises owning up your mistakes. Admit your behavior, and couple it with an effective apology that consists of acknowledging how your boss was impacted by your actions and apologizing for that, making sure to not sound too much like you’re excusing or explaining away your actions.How to Deal With The Office Bully2. Address Issues Head-OnAnother common strategy for dealing with an angry manager is to simply bury your head in the sand. But it doesn’t work for ostriches, and it won’t work for you. After all, you can only avoid a coworker for so long — and when that person is your direct manager, it becomes even more difficult. Beyond that, directly addressing an issue will likely stop your manager from assuming the worst and allow them to see it from your perspective.“The key to any successful business or personal relationship is empathy, communication, and addressing issues at the forefront,” Weiner says. “The best thing you can do as a direct report is to directly communicate with your boss and be proactive in handling the situation.” You’ll want to avoid becoming overly emotional or playing the victim, but if you can begin an open, honest dialogue about what happened and why, you’ll be one step closer to finding common ground and putting the bad blood behind you.3. Come Up With Your Own SolutionWhile reaching out to your boss is important, you don’t want to give the impression that you think it’s entirely on them to help you find your way out of a mess. “Managers are solutions-oriented professionals and want to see their direct reports hone in on a problem and offer a solution,” Weiner says.Besides, managers often have a lot on their plate — they usually have their own day-to-day responsibilities in addition to overseeing yours. Because of that, they usually “want to deal with the bigger issues, not [minuscule] disagreements in the workplace,” according to Weiner. So the more heavy lifting you can do to resolve an issue, the less work it is for them (and the more they’ll appreciate you for it!).Before you even approach your boss, come up with at least a couple of ideas about how you could make things right. Even if you’re not totally sure that those are the right courses of action, the fact that you bring them up will demonstrate thoughtfulness and proactivity. And, of course, your manager can serve as a gut-check before you take any next steps.4 Ways to Ask for Advice Without Being Annoying4. Figure Out How to Avoid Making the Same Mistake AgainAn error on its own is usually not a huge deal, but the more often it occurs, the harder it is for your manager to forgive and forget. That’s why ensuring you don’t make the same mistake twice (or more) is vital.One of the most common examples is under-delivering on a project/task or missing a deadline. Fortunately, there’s a relatively easy fix. “If you cannot meet a deadline in a timely fashion or at a time in which you promised to deliver the project, advise your manager ahead of [time],” Weiner says. They may be able to help you “re-prioritize and still attempt to meet the deadline,” offer to take on some of your additional work or push the deadline back. Whatever your specific flub was, think about why it happened and what could have been done differently, then try and establish processes to safeguard against it happening again. And finally, don’t sweat it too much. Your boss doesn’t expect you to be perfect — they just want to see dedication and improvement. And if you can demonstrate that, you’ll be in their good books.How to Disagree With Your Boss Without Pissing Them Off 21 Words To Never Include In Your Resume Also on Glassdoor:last_img read more

12 Must-Apply Jobs to Check Out Today

first_img7. Lead Game Designer, Big Fish GamesLocation: Seattle, WAJob Details: “We’re seeking a Lead Game Designer with a successful track record in designing Free-to-Play mobile games with an emphasis on mid-core products. In this position, you will lead the design efforts of project (or projects) with a constantly evolving live game service.”What Employees Say: “Great environment & company culture. Room for growth and having your voice heard. Upper management seems to actually listen & take stock of employees.” —Current EmployeeLearn More 10. Cyber Security Penetration Tester, LeidosLocation: Washington, DCJob Details: “The DHS ESOC is responsible for pen testing resources and support for public facing sites as well as high value assets within the department. The Pen Tester will establish a pen testing program for use throughout DHS, Completes hands on pen testing capabilities, Communicates recommended solutions for addressing findings from a pen test. This is a big growth area for us and our customer over the next several years and so this role is also very strategic.”What Employees Say: “Work environment, coworkers and team leads are great to with. Workloads vary from contracts and program teams scheduling so it is either really busy or down time. Everyone works as a team and helps out if others get swamped.” —Current EmployeeLearn More 3. Economist / Data Scientist, GlassdoorLocation: Mill Valley, CAJob Details: “You will help maintain our Python and R models, develop and publish insights and commentary about trends in the labor market, and be a spokesperson for Glassdoor. In addition, you’ll do statistical research on our database of real-time job postings along with proprietary user-generated reviews and insights that spans more than 740,000 employers.”What Employees Say: “Glassdoor is a great place for career growth, making friends, and experiencing new foods. I love our dog friendly office. It’s so fun! We’re also right beside the ocean which is just beautiful. One of my favorite parts about Glassdoor is our employer’s emphasis on employee wellness and work life balance. Unlimited PTO allows me to take sick days without stress and the freedom to work my own hours lets me schedule my day how I like it.” —Current Data ScientistLearn More You’ve undoubtedly heard the phrase before: “Do what you love and you’ll never work a day in your life.” But let’s be real — how many of us can actually say that we’re doing what we love? More often than not, we take the road most traveled in our careers in order to find security and stability. But what if it didn’t have to be that way?The following 12 jobs offer a great balance of exciting opportunities across a wide variety of interests. If you’re feeling restless in your current gig, it’s time to check them out. Learn more below, and make sure to apply before everyone else does!1. Outdoor Instructor, REILocation: Copper Mountain, COJob Details: “The REI Outdoor School is a place where people can learn the basics needed to embark on a new adventure. In this role, you will provide the gear and instruction to REI members and customers for activities which include: Rock Climbing, Kayaking, Stand-Up Paddleboarding, Mountain Biking, Road Cycling, Hiking, Backpacking, Camping, Natural History, Outdoor Photography and Navigation Outings for both Map & Compass and GPS.”What Employees Say: “Excellent [benefits], ranging from Heath care, (vision and dental) to generous time off and the expectation of a healthy work life Balance. Also the quality products available to use at extreme discounts and the encouragement from management to take time to get outside and play.” —Current Outdoor Programs SupervisorLearn More 12. Brand Partnership Manager – ShopStyle, EbatesLocation: New York, NYJob Details: “SHOPSTYLE is looking for a Brand Partnerships Manager to support the Brand Partnerships team in generating new business partnerships and revenue for ShopStyle Collective. This position will have an active role in growing partnerships through Influencer marketing and event opportunities, establishing strategies for portfolio growth, and executing campaigns in collaboration with our operations team.”What Employees Say: “Positive work culture, respectful attitude toward employees at every level, and perks galore! Terrific insurance options including dental and vision coverage. 401K with employer match. Standing desks for all and subsidized YMCA membership, to help balance the abundance of free food and snacks. Going to work at Ebates is FUN!” —Current Member Services SupervisorLearn More 5. Account Manager, InsightSquaredLocation: Boston, MAJob Details: “As an AM, your primary mission will be to maximize our customers’ ROI in InsightSquared. You will develop and maintain close relationships with management sponsors, and serve as a strategic advisor to executives and key stakeholders throughout the customer lifecycle. You will work closely with InsightSquared’s Services teams to drive adoption by ensuring customers are effectively onboarded, trained, and supported throughout the customer journey.”What Employees Say: “InsightSquared is a fantastic place to build a career. Strong leadership, a great development organization, and a go-to-market team that really develops young professionals. Like any tech startup, there’s some craziness, but I didn’t fully appreciate just how special InsightSquared was until I got out and heard stories from other teams. Lots of teams talk about culture – InsightSquared walks the walk.” —Former Product ManagerLearn More 6. Flight Simulator Technician, UPSLocation: Louisville, KYJob Details: “The Flight Simulator Technician is responsible for repairing and monitoring a variety of simulator specific computer, hydraulic, and visual systems. Technician must be able to troubleshoot electronic equipment to the component level. Technician must have the ability to return to service all simulator equipment, using a broad knowledge gained from job experience.“What Employees Say: “Ups teaches you how to work with a team and accomplish seemingly impossible tasks,a hard work ethic is either required, or learned quickly. The union keeps conditions fair, and secures your benefits and job.The management has always been fair, and the pay, benefits and opportunities for advancement are phenomenal.” —Current UPS SorterLearn Morecenter_img 11. Community Field Representative, Guide Dogs for the BlindLocation: Los Angeles, CAJob Details: “The CFR works out of his or her home or on one of the GDB campuses; meets with raisers to educate them; evaluate puppies’ progress, and mediate problems that arise with volunteers, puppies, and others. The CFR may also, with their manager’s approval, be actively involved in fundraising, marketing, outreach and other events throughout their territories with individual clubs or with Development and/or Marketing staff.”What Employees Say: “To start, the campus is gorgeous and well maintained, even with all the dogs everywhere. The people who work here are very passionate about the work they do, and truly care about the dogs and clients they serve. There seems to be a real team effort mindset. The CEO is great and the most approachable CEO I’ve ever met… I’ve also never worked for an organization that gives employees so many opportunities to be heard and to voice their opinions/concerns/wants.” —Current EmployeeLearn More 9. Customer Success Manager, AppFolioLocation: Dallas, TXJob Details: “By working directly with our client base you will serve as the link between AppFolio and the customer, operating as the face of our company to create AppFolio promoters within the property management industry. All CSMs complete a formal onboarding program to develop extensive product knowledge, which is invaluable for future career opportunity at AppFolio. As a member of the CSM team you will have the opportunity to develop professional communication skills, improve the customer lifetime value and directly contribute to the growth of our product and company.”What Employees Say: “The company is built upon the shoulders amazingly smart and friendly employees and management. It’s truly fun and engaging to come to work everyday.” —Current Marketing Operations ManagerLearn More 8. Registered Nurse – Home Health, LHC GroupLocation: DeRidder, LAJob Details: “The Registered Nurse RN in Home Health provides and directs provisions of nursing care to patients in their homes as prescribed by the physician and in compliance with applicable laws, regulations and agency policies. Also, The RN Registered Nurse job coordinates total plan of care with other health care professionals involved in care, and helps to achieve and maintain continuity of patient care by planning and exchanging information with physician, agency personnel, patient, family, and community resources.”What Employees Say: “Everyone is awesome, they are always ready to greet you, and make you feel so important. I have had experience with Home Health. This company is by far one of the best. Our group is always there to help, and give constructive criticism when needed to improve our performance as a whole family.” —Current Licensed Practical NurseLearn More 2. Business Intelligence Analyst Intern, HP Inc.Location: Corvallis, ORJob Details: “The HP Big Data Business Transformation organization uses advanced analytic techniques to provide strategic business insights for the HP printing business. The Business Intelligence Analyst Intern will conduct several analysis projects to identify trends and opportunities to guide strategic decisions for the HP Print business. You will be assigned a mentor, and work with internal teams (R&D, Marketing, etc.) to analyze parameters such as usage of printer features, impact of advertising promotions, and adoption of new business models.”What Employees Say: “Excellent learning and professional growth opportunities if you are self motivated, competitive and take the initiative. There are a lot of resources for self-directed learning and job changes to stay challenged. It is possible to stay in the company over 10 years and develop skills in a wide range of functions, geographies, and product divisions.” —Former Senior Program ManagerLearn More  4. Tank Wagon Driver, Lykins Energy SolutionsLocation: Massillon, OHJob Details: “A tank wagon driver’s job varies from day to day. Assignments are given when the drivers arrive. Fuel can be delivered to homes, businesses or work sites. A work day’s length varies from 8 to 12 hours, depending on available loads and driver enthusiasm… You’ll deliver petroleum products within a day’s drive and always be home at the shift’s end.”What Employees Say: “Family focused, Flexible scheduling in some positions, Friendly environment, Community focused and opportunity to volunteer within the community.” —Current EmployeeLearn Morelast_img read more

Hellas Verona locked in Man City talks for Zuculini

first_imgHellas Verona are locked in talks with Manchester City for midfielder Bruno Zuculini.After the Argentine’s successful loan last season, Hellas Verona are now seeking to extend his stay.Gazzetta dello Sport says Verona are now in talks with City about a permanent deal for Zuculini.The midfielder is eager to stay in Verona, with brother Franco also on the books.Zuculini, 24, joined City three years ago, though has never managed an appearance for the English giants.last_img

Ander Herrera hails Man Utd US support

first_imgManchester United midfielder Ander Herrera has hailed the club’s US support.The Spanish midfielder was in the team which beat Real Madrid 3-1 in August 2014, with 109,318 fans watching at the Michigan Stadium in Ann Arbor.”I remember playing in America a few years ago against Real Madrid, in front of nearly 110,000 people, and 80 per cent of them were Reds!” he told, shortly before going on his summer holiday.”That shows how important United are over there, so I’m really happy and excited to be able to play for our fans over there again.”I know they are only friendlies, but everyone is excited to play. The most important thing is to be prepared for the first official games of the new season, of course, but it will be nice to go over to America.”last_img

What is a Mother Worth?

first_imgPosted on February 28, 2011June 20, 2017By: Julianne Parker, Young Champion of Maternal HealthClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This blog post was contributed by Julianne Parker, one of the fifteen Young Champions of Maternal Health chosen by Ashoka and the Maternal Health Task Force at EngenderHealth. She will be blogging about her experience every month, and you can learn more about her, the other Young Champions, and the program here.“No one has ever believed in me except Lua Nova,” proclaimed one young mother who has battled a lifetime of domestic violence, homelessness, and drug abuse in the favelas of São Paulo, Brazil.She and the rest of the residents of Lua Nova’s rehabilitation program have been engaged the past three weeks in an intensive income-generating training course focused on creating “Jovens Lideres,” or “Young Leaders”—not too different from Young Champions! The girls were given support and training in creating entrepreneurial ideas to revolutionize their personal lives. The methodology of the training is superb: focus on the girls’ individual talents, dreams and ambitions, and then give them practical tools to achieve them. Tools like delineating personal support networks, contacting potential partners, basic accounting instruction, and then doling out practical skills training in various fields: housing construction, baking/restaurant management, and sewing/arts creation.On one particularly moving day towards the end of the course, a team of high-end hair stylists, make-up artists, and photographers came from São Paulo to make-over and photograph the girls and their children.The day reminded me of another back in September: in one of my earliest group therapy sessions with Lua Nova’s residents, I started the session with a short self-esteem activity. I was in front of the group holding a closed shoe-box, explaining to the participants: “Think of the most important person in your lives. A person who deserves all your care, whom you truly love and know most intimately… Think of this person and what their feelings, motivations, and dreams are…” As they sat thinking, I told them they would then meet this person face-to-face, inside this very shoe-box! I had each girl come up to the front of the room and open the box, seeing a mirror inside. Shock registered on their faces as they realized that it was they themselves who deserve all care and love imaginable! They had worthy motivations and dreams that must be respected! The girls began to cry, and most could only glance in the mirror for a moment before looking away, too startled to see themselves in such a light.It was a breakthrough moment for all of them to have someone actually say to them: YOU HAVE WORTH. And so this last week, with a whole team of professionals pampering and photographing them and their children, the girls were moved and appreciative. It was a culmination of this whole course which turns the attention on the potential of these young women to erase the hardened abuse they have previously been privy to, and to cultivate their innumerable qualities and skills.It all makes me think of the awesome conference call the Young Champions and I participated in this week, gleaning updates and insights from each other. I was so struck by what great work everyone is doing in their placements: so many are engaged in high-level policy discussions, liaising with governments and bureaucracies and trying to cut apathy to maternal health out of national and sub-national political dialogues. In Brazil the situation is a bit different: the policies are in place, it is the implementation that has failed for a vast sector of society. It has failed for the girls who arrive at Lua Nova’s doors, a failure Ashoka Fellow and Founder of Lua Nova, Raquel Barros, is attempting to overcome in her work.We all know that that once sound policies are finally in place for women the race is by no means over. One of the strongest sessions at the Global Maternal Health Conference we attended in New Delhi last August revolved around the role of the law and legal professionals in the fight for maternal health: let’s hold governments accountable to the laws, policies, and programs they have agreed to put into place. Let’s hold them accountable to every mother, no matter her age or social status, so she can no longer say “no one believes in me.” So she is not left alone, with no recourse for care or attention.Share this: ShareEmailPrint To learn more, read:last_img read more

Abstract Submission for the Global Health & Innovation Conference

first_imgOral/Poster Abstracts: These abstracts may be research-focused, clinical-focused, or program-focused. The abstract must include results (data and outcomes), and accepted abstracts will be invited for oral or poster presentation. The first abstract deadline is August 31, and the final abstract deadline is September 30. Instructions and submission details can be seen at Social Enterprise Pitch Abstracts: Those in an early stage of development should instead submit an abstract for the Social Enterprise Pitch Sessions. Pitch abstracts are accepted on a rolling application deadline. Instructions and submission details can be seen at this: Posted on August 11, 2011November 13, 2014Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)The Global Health & Innovation Conference is the world’s leading global health conference and social entrepreneurship conference, with 2,200 professionals and students from all 50 states and from more than 55 countries. This must-attend, thought-leading conference convenes leaders, changemakers, and participants from all fields of global health, international development, and social entrepreneurship.The Global Health & Innovation Conference accepts two types of abstract submissions. Professionals and students are eligible to submit either type of abstract.center_img ShareEmailPrint To learn more, read:last_img read more

What’s Next for Clean Birth Kits? A Call for Impact Data and Discussion

first_imgPosted on May 12, 2016June 23, 2017By: Colleen Lyon, Vice President of Public Relations and Communication, ayzhClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)Clean birth practices are necessary to reduce maternal mortality. Each year, around 1 million newborns and mothers die from childbirth-related infections, and this burden is highest in low-resource settings. Clean birth kits (CBKs) provide simple tools needed for a hygienic birth, but more research is needed on how these kits are used and what effect they have on women and providers.Five years have passed since the Clean Birth Kit Working Group published the first policy brief, Clean Birth Kits – Potential to Deliver? This was right around the time when ayzh, a small social enterprise based in Chennai, India, started selling its JANMA Clean Birth Kit for use in health facility settings. At the time, there was debate surrounding the impact and public health value of CBKs, as well as the viability of a for-profit, commercial model in a traditionally philanthropic space.  In response to this debate, ayzh set out to prove that given the chance, individuals in low-resource settings would purchase affordable products, if they were perceived to have value.What did we learn? There is still a market and demand from health institutions for clean birth kits, proven by our ability to sell more than 250,000 kits to more than 300 health institutions in India, Haiti, Honduras, Laos, Burma, Afghanistan, and several countries in Africa. We are working with the Social Entrepreneurship Accelerator at Duke on a cost-consequence analysis of how our kits impact facilities and families. We are also exploring partnerships to measure impact on maternal health.I am honored to say that the Maternal Health Task Force was one of our early supporters, providing us with access to many peers and experts that validated the need for social enterprises like ayzh to make the right product available at the right place, time, and price, and to do it in sustainable way.But, what is the impact? This is the critical question we must answer.  Today, as ayzh transitions to scale, I return to this community of experts to leverage your collective wisdom and create an open repository of impact data and opportunity around clean birth kits.  Studies indicate that the use of CBKs can promote clean delivery practices and reduce rates of neonatal mortality. We hope to supplement this research with the knowledge, experience and opinion of global health experts, including your interpretation of existing evidence.Please take our survey to answer one or all of the following questions:How do you see clean birth kits making an impact?Can you share examples of papers and publications that support your views?Is there a particular research effort around clean birth kits you’d like to suggest?If you’d rather schedule a call to discuss your expertise and feedback on clean birth kits, please email credit: Society of Community Health Nurses IndiaShare this: ShareEmailPrint To learn more, read:last_img read more

CNN’s “10 Cushy Jobs”—all of them freelance!

first_imgToday, CNN, with, publishes a list of 10 “cushy” jobs. What strikes us about the list is that every item is predominantly the province of independent workers. A few examples:Cheese artisanHandwriting analystPet psychicThere are also some more common professions, such as consultant and professional organizer. Although, after reading The Mammoth Cheese, we don’t think anyone would call the labor-intensive craft of artisanal cheesemaking “cushy.”last_img

OREO Launches Left Handed Cookie Pack for #LeftHandersDay

first_img90% of the population probably doesn’t notice, but the world we live in is built for right-handed people. Today, International Left Handers Day, OREO is making sure the other 10% of the population gets some love. We partnered with OREO to give left-handers all over the country a new way to twist, lick and dunk their OREO cookies with the all-new and first-ever Left-Handed OREO pack. The specially-designed packaging opens from right to left, as opposed to regular packs that open left to right, allowing lefties everywhere to open their pack of OREO cookies with ease.Fans can visit to sign up to be among the first recipients of these limited-edition packs, specifically designed for the 10% of the population with a dominant left hand (or just those who want to open their OREOs the “left” way). You can spread the word to all your left-handed friends and family on Facebook, Twitter and Instagram, and read more about the launch of Left-Handed OREOs in Bustle.last_img read more

Top 5 Mistakes Consumer Make While Managing Debt

first_imgFrom the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint… Full Story,From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint… Full Story,From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint… Full Story,There’s a specific conversation I frequently have with people around my age. As they get closer to middle adulthood and look back on everything they’ve learned about money, they start to wonder – why didn’t they teach us this stuff… Full Story,Depending on what you look for in a card, one of these may be a perfect fit your do-it-yourself projects. Follow along to learn more about these top five credit cards for DIYers. Full Story,In many ways, our credit determines our power as consumers. The strength of our credit profile and score enable us to rent an apartment, take out a car loan, and sign up for a cell phone number. Can you imagine… Full Story,Travel credit cards are available with a wide array of rewards, redemption options, fees, and bonuses. Weeding through so many general and branded travel rewards cards can be tough, so we picked out some favorites for a wide range of travel styles – so you can find the best travel credit card for your wallet.Full Story,Traveling abroad carries with it all sorts of potential credit issues. Some are just mildly annoying, but some can leave you stranded in Amsterdam, relying on the help of a broke friend you haven’t seen since high school. To avoid those issues and everything in between, here are some tips for using credit abroad. Full Story,The top reward credit cards cater to an array of desires. Whether you want to get cash back or earn miles and points toward free travel, the cards below are all a great place to get started.Full Story,From the Mint team: Mint may be compensated by some of the links that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation… Full Storylast_img read more

Understanding the Qualified Residential Mortgage

first_imgHow much do you pay for heating? Depending on where you live, it’s a good chunk of money during the wintertime. Even though we live in the South (in lovely Raleigh!), we’re not immune to getting some cold weather.   With winter coming… Full Story,Tips to help turn those homebuying dreams into reality. From outstanding credit card debt to massive student loans, financial difficulties are barring more and more millennials from becoming homeowners. While the vision of buying a first home may seem hopelessly… Full Story,When most people imagine buying a house, they think about how many bedrooms they need or what kind of porch they want. When they think about homebuying costs, they decide how much to put down and what their maximum home… Full Story,One of my favorite shows is Sex and the City. Those women lived glamorous lives I could only dream about. And, Carrie, a writer, was living my dream life as a famous writer in Manhattan. One of the storylines that… Full Story,Last year, my husband and I were packing up our Denver apartment to prepare for our move back to his home state of Indiana. We’d put an offer in on a house and had only given ourselves a couple of… Full Story,A few years ago Dave Munson and his family decided to move from their 5,600-square-feet, 8-bedroom house in the city of San Antonio, Texas, to a smaller, unique living situation: tents. Well, fancy, upscale tents that total 2,000 square feet… Full Story,It’s a well-known fact that your personal environment affects your mental health. If you live in a beautifully decorated home with plenty of plants and green space nearby, your risk for anxiety and depression is lower. If you spend your… Full Story,My husband and I were so excited to buy our house. We’d been renting since college and were eager to have our own place. Finally, no one could tell us how many dogs we could have or how many posters… Full Story,Last summer, I was forced to relocate out of my cozy, bungalow-style apartment in West L.A. Living in one of the most unaffordable rental markets in the U.S., I was resigned to the fact that, to enjoy my ideal setup… Full Story,When you buy a home, you’re making an investment in yourself and your future. You’re building  financial stability, equity, and experience. You have a place to call your own and you can customize the space just how you want. As… Full Storylast_img read more

Can Disputing Information On My Credit Report Backfire?

first_imgI received the following question from a Minter regarding disputing information on his credit report.“John, I have a negative item on two of my credit reports that is scheduled to come off in just under 2 years, December 2015. I would like it to be off by June 2014 because I’d like to open a few accounts to use for my business. If I am not successful having the item removed early is it possible that disputing the item could cause it to remain on my credit reports longer than December 2015?”What the Minter is asking, in layman’s terms, is whether or not disputing information on your credit reports can accidentally cause it to remain on your credit reports longer than allowed by law.It’s a fair question due to a problem referred to as “re-aging.”Re-aging is when the “purge from” date associated with a negative credit report entry is inadvertently changed to be more recent, thus causing the item to remain on the credit report longer for a longer period of time.The Good NewsThankfully, there’s nothing you can do that will cause a negative item to remain on your credit report longer.You can pay collections, settle defaulted credit card accounts, dispute negative entries, or interact with your credit accounts any other way you can think of and none of them will magically allow a negative credit entry to remain longer.Both the Fair Credit Reporting Act (hereafter “FCRA”) and the credit industry’s reporting guidelines (called the “Credit Reporting Resource Guide”) are very clear that once an item goes into default (in any form or fashion) that item must be removed no longer than 7 years from that date.There is no language in the FCRA that allows a credit reporting agency to maintain defaulted credit entries simply because some sort of activity has taken place on that item.What this all means is consumers can continue to engage with their lenders, collection agencies and/or credit reporting agencies without fear that their actions will somehow backfire and cause their negative credit entries to hang around longer than originally projected.But…Beware of Reviving Old DebtsThere’s one thing you should be aware of, however, when dealing with old collections…and it’s likely where this myth about extending the credit reporting timeframe comes from.If you default on a debt the lender has a finite period of time to sue you to collect that debt.After the time expires the debt becomes “time barred” and the lender cannot use the courts to pursue you for payment.  I wrote about time barred debts for Mint, here.In some states a debt becomes time barred in as little as 3 years. In some states a debt becomes time barred after 15 years.Most states fall between 3 and 15 years as to when a debt becomes time barred. And before we continue…remember, this has nothing to do with credit reporting.If you have a debt that went into default 2 years ago, and you happen to live in a state where it becomes time barred at 3 years, then you just have 1 year left and you won’t have to worry about a lawsuit filed by your creditor.But, if you make a payment on that debt, then you may have just reset the clock to 0 and now your creditor can sue you for the next three years. And the bad news doesn’t end there.According to the Federal Trade Commission:“In some states, if you pay any amount on a time-barred debt or even promise to pay, the debt is ‘revived.’ This means the clock resets and a new statute of limitations period begins. It also often means the collector can sue you to collect the full amount of the debt, which may include additional interest and fees.”John Ulzheimer is the Credit Expert at, and a credit blogger at,, and the National Foundation for Credit Counseling.  He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of or Intuit. You can follow John on Twitter here. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedCan You Win When Disputing Accurate Credit Report Items?January 28, 2013In “Credit Info”How to Get Rid of Closed Accounts on Credit ReportsJanuary 13, 2014In “Credit Info”Does Disputing a Credit Report Hurt Your Credit Score?May 6, 2013In “Credit Info” Post navigationlast_img read more

Top Job Seeker Tax Deductions

first_img Post navigation Traveling to job interviews. Dry-cleaning your best suit. Printing resumes on quality paper. Working with a job search coach. If you engaged in any job search activities in 2016, you may be able to deduct the related expenses from your taxes.One of the most important things to note about job search tax deductions, is that they are only tax deductible if you’re looking for a new job in the same occupation. If your job search is an attempt to switch careers, your expenses are not deductible. For example, if you’re transitioning from a print journalist to a web journalist, your expenses may still be deductible. But if you’re making the leap from a zoologist to an accountant, probably not.The other big barrier to job search tax deductions is whether or not this is your first time searching for a job. The IRS doesn’t allow first-time job seekers to deduct their job search expenses.If you feel that your job search is keeping you within the same occupation, and this isn’t your first job search rodeo, here are several of the most common job search tax deductions you may qualify for:Resume expenses. Preparing and printing your resume is a tax-deductible activity. This includes paying for a resume writer, buying high-quality resume paper, and if you’re job searching by snail mail, mailing your resume.Job search assistance. If you’ve paid to work with a recruiter or placement agency, or used an online job search website that requires a subscription fee, those are tax-deductible job search expenses.Travel expenses. If you had to travel for job interviews, you may be able to deduct things like airfare, parking, meals, public transit tickets, hotel stays, and taxi rides even if you don’t secure the job.Becoming self-employed. If your job search activities revolve around moving to a self-employed or freelance status, where you’re in the same occupation but working on your own, you can deduct certain related expenses.When CAN’T you take these expenses?There are several circumstance where job seekers are not allowed to deduct related expenses. We covered two of them, but here is the comprehensive list:If you were reimbursed for any of these expenses (for example, if you purchased airfare for a long-distance job interview, but the company paid you back for the cost of your ticket).If you’re job searching for the very first time.If you’re changing careers.If there was a long break between your last job and your current efforts to find a new one (for example, if you took time off from work to raise children).If you don’t itemize deductions (Job search deductions are considered “miscellaneous” deductions and can only be taken if you itemize your deductions , along with other misc. deductions. But if you don’t itemize your deductions–that is, if you take the standard deduction–you can’t deduct any miscellaneous expenses.).However, don’t worry about remembering all of this. If you file your taxes through TurboTax, you will be asked simple questions to give you the tax deductions and credits you deserve based on your answers. You can even connect live via one-way video to a TurboTax expert and credentialed CPAs and enrolled agents to get your tax questions answered with TurboTax SmartLook™.Original article posted on TurboTax here.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Relatedlast_img read more

6 Credit Cards for People With No Credit

first_imgMost credit cards available to consumers with zero credit history are in the form of secured credit cards. Given that your own security deposit is on the line if you fall behind on payments, secured cards may promote spending discipline. They’re also the most accessible cards for the “credit invisible” to get. Green Dot primor® Visa® Platinum Secured Credit CardThe Green Dot primor® Visa® Platinum Secured Credit Card comes with a heftier annual fee than the average card ($39 a year) and a three percent foreign purchase transaction fee. Green Dot softens the $200 required minimum deposit with no monthly fees and or minimum credit score requirements. The Green Dot doesn’t offer flashy perks or a signup bonus, but with a credit limit of up to $5,000 it offers the potential to build your credit history without jumping through hoops. $39 annual feeThree percent foreign purchase transaction feeNo minimum credit score or history required Monthly reporting to all three major credit bureaus First Progress Platinum Prestige Mastercard® Secured Credit CardThe First Progress Platinum Prestige Mastercard® Secured Credit Card carries a considerable $49 annual fee. There aren’t any exciting rewards that come with this secured card, and the foreign purchase transaction fee is three percent, but your deposit is refundable when you pay off your balance. $49 annual feeThree percent foreign purchase transaction feeNo minimum credit score or history required Monthly reporting to all three major credit bureaus Cards for Cash Back In the world of credit card rewards, cash back is the most flexible. We’ve scouted the best cash back options for people with no credit. Capital One® QuicksilverOne® Cash Rewards Credit CardOffering more than 50 percent more cash back than the market average, the Capital One® QuicksilverOne® Cash Rewards Credit Card gets you 1.5 percent cash back on all purchases. 1.5 percent cash back on all purchases and no foreign purchase transaction fees Steep annual fee of $39 Cards for Travel Collect travel rewards and perks every time you swipe your credit card. From airline miles to hotel points, these cards offer the best travel rewards for people with no credit history. Deserve® Classic MastercardWhile the Deserve® Classic Mastercard is a basic choice for consumers with no credit history, it offers platinum benefits like price protection, travel assistance, ID theft protection, and car collision damage waiver. There are also no foreign purchase transaction fees and can be used anywhere in the world Mastercard is accepted. Monthly reporting to the three major credit bureaus No security deposit or co-signer requiredLower credit limit and $39 annual fee Cards for RewardsStretch your hard-earned dollar with a credit card that offers rewards such as cash back, no annual fees, travel perks, or member-only deals. Deserve® Edu Mastercard for StudentsThe Deserve® EDU Mastercard is designed for students and offers three percent cash back on entertainment, two percent at restaurants, and one percent on all other purchases. It has no annual fee and is available to those with no credit history. International students benefit from no SSN requirement and no foreign purchase transaction fees. No annual fee, no foreign purchase transaction fees One percent cash back on all purchases Bonus: $59 Amazon Prime Student membershipShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedCredit Card Reviews: Best Credit Cards for StudentsJuly 2, 2019In “Student Finances”Fall Into These Good Credit HabitsOctober 16, 2018In “Credit Info”8 Credit Cards For When You Have ‘Just Average’ CreditJuly 22, 2019In “Credit Info” Post navigation From the Mint team: Mint may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.Whether you fund your lifestyle with an all-cash diet or you’re coming off of your parents’ financial support, navigating the credit world with no credit history, or even “thin” credit, requires patience and finesse. Because a credit history demonstrates to lenders that you’re able to pay your debts on time and in full (as agreed upon in credit agreements), having no credit history means you have to start from scratch to prove your creditworthiness. But there’s a catch: you need a credit account to show clean payment history and the ability to manage your accounts well. However, there can be a steep barrier to receiving credit approval without a solid credit history. To help you better understand your options when it comes to credit, we’ve analyzed what it means to have no credit, how to build credit, and the best credit cards for consumers with no credit history. What Does It Mean to Have No Credit?More than 26 million Americans are “credit invisible”⁠— which means that one in every ten adults does not have any recorded credit history with one of the three credit reporting companies: Experian, TransUnion, and Equifax. There are several reasons one might not have a credit history: They’re young and new to the credit worldMainly use cash Have one or two inactive credit accountsAre an immigrant who hasn’t established credit history in the U.S. yetWhile having no credit history simply means you don’t have a track record of responsible credit use, it also means you haven’t damaged your credit like someone with bad credit. Because you need a good credit history to get approved for credit accounts, building credit without having any credit is a bit of a chicken-egg paradox. One viable option for establishing your credit history is getting a student credit card or a secured credit card with a low barrier for approval. Here are some of our top credit card picks for people with no credit history. last_img read more

How Much Should Your Monthly Grocery Budget Be?

first_imgYour grocery bill can add up fast. From dinner entrées to snack items, the amount you spend makes a difference in your budget. Luckily, there are some guidelines to ensure you’re not overspending. The USDA publishes a monthly food plan suggesting how much your groceries should be. The average cost of food per month for one person ranges from $165 to $345, depending on your age and gender. These national averages also vary based on where you live and the quality of your food purchases. Different geographic locations and types of stores play a role in the price of your food.Getting your food budget on point takes practice. With the right spending habits, you’ll have enough for your living expenses and exciting financial goals like paying off loans or buying a house.Monthly Grocery BudgetBased on your family size, here’s an outline of how much you should plan to spend on groceries each month. These numbers are a national average. Adjust the amount depending on your location and the store you shop at. For instance, shopping in New York City or Los Angeles is more expensive than in other parts of the country. Organic grocery stores like Whole Foods are pricier than places like Walmart or Aldi.As you consider these numbers, factor in any dietary restrictions. For instance, if you eat gluten-free or nut-free, you may have to pay more for certain products—increasing your overall monthly grocery budget. 1 person$251 Post navigation 2 people$553 6 people$1,230 4 people$892center_img FAMILY SIZESUGGESTEDMONTHLY BUDGET Finding a reasonable monthly grocery budget ensures you and your family have what you need, while not overspending. Look back at previous months using a budgeting app or credit card statements to see what you’ve spent at the grocery store. Decide if you want to maintain your current budget or cut back. Purchasing Groceries vs. Dining OutWhen you think about the total amount you spend on food, don’t forget what you spend at restaurants. According to the U.S. Department of Agriculture, Americans spend on average, 11% of their take-home income on food. It doesn’t all goes toward groceries, though. Approximately 6% is spent on groceries, while 5% is spent on dining out—including dates, lunches with coworkers, and Sunday brunch.With this framework in mind, you can calculate your total food budget based on your take-home income. For example, Rita makes $3,500 per month after taxes. To budget 6% for groceries, she’d spend $210. For dining out at 5%, she should set aside $175. In total, she’ll need $385 for food each month. If she finds herself not having enough for meals with this amount, it’s likely she’s spending too much on food. She can either reduce her grocery bills or scale back on eating out.Tips for Reducing Your BudgetThere are several ways to cut back on what you spend without sacrificing the quality and taste of your food. Trimming your food budget can help you stow away more for your goals, such as building an emergency fund or saving for a dream vacation.Use CouponsGrocery stores and food companies offer coupons with a discount on a product that are often distributed via mail, newspapers and magazines. You can also find coupons online or through your email. If you buy your groceries online, like through Amazon Prime Pantry, there may be discount codes to input at checkout. While a single coupon might not give you a large discount, you can save a lot with multiple coupons. Before using coupons, though, make sure you actually need the item. If you don’t need maple syrup or cashews, don’t buy them just because you have a coupon.Plan a Weekly Menu Ahead of TimeBy deciding on meals ahead of time, you can determine the food items and quantities you need. Before heading to the grocery store, your list will be specific. You can buy the items you need—knowing you’ll have delicious meals for breakfast, lunch and dinner. Try recipes that use some of the same ingredients so there’s less to purchase. You can also make larger meals so you have leftovers—which limits the number of meals and ingredients to buy.Here’s an example of menu items for your week:Breakfasts: Greek yogurt with fresh fruit, oatmeal with raisins and nuts, toast with peanut butterLunches: Salad greens with chicken and vegetables, wrap with lettuce and lunch meat, soup and garlic breadDinners: Ground turkey tacos, grilled chicken breast with vegetables and rice, lasagna and saladBring Lunches to Work A $13 lunch out might not seem like a lot, but if you spend that much a few times a week, it can blow your food budget fast. Make your monthly food budget go farther by making lunches and bringing them to work. Inexpensive but healthy options include salads, sandwiches and dinner leftovers. Buy Store Brands You can buy the same product, such as pasta or oatmeal, for a variety of prices depending on the brand. In general, store brands, like Safeway, are cheaper than name brands. A box of store-brand cereal might save you $1 over a name brand cereal. While the savings on a single item may not be much, when you multiply it across several products, there will be a difference on your bill. Shop at a More Affordable StoreThe differences in prices among grocery stores can be considerable. Check out the different stores in your area to find the best prices. Some stores might even offer bulk items—great for products you consume in large quantities. Choosing cheaper staple items like milk and yogurt can also make a huge difference over time. When you have a food budget that works for you, you’ll feel more confident and in control of our finances. With a set amount for groceries (and dining out), you’ll have a solid vision for your month. You’ll feel more in control of your finances, and be on your way to bigger goals like a new vehicle or a downpayment on a house. Sources: USA Today | USDAShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedLiving Expenses: What Are They and How Do I Budget for Them?March 27, 2019In “Budgeting”Budgeting 101: How to Create a BudgetAugust 19, 2019In “Budgeting”How to Create a Comprehensive Budget for Your Dream WeddingNovember 10, 2018In “Budgeting” 3 people$722 5 people$1,060last_img read more