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No Experience Necessary: Why Jobs Are Dropping All Requirements + How to Make Yourself More Employable

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If you are tired of your current job and ready to make a switch then now may be a good time. In fact, if you are perfectly happy with your current job but want to make more money than now may be a good time. This is because according to The Wall Street Journal, employers are becoming less picky, dropping skill and degree requirements to attract a larger pool of job candidates — especially in cities with the lowest levels of unemployment, such as Dallas or Louisville. The report states that an extra 1 million jobs were opened up to candidates last year with “no experience necessary.”But how do you go about getting yourself ready and employable in order to make the power switch? The following are five tips:

1. Be Proactive

Instead of waiting around to see who is hiring or simply just looking at job boards, look around and make inquiries. What kind of job are you looking for? What environment are you interested in working in? Are there competitors to your current employer? Do you have an ideal place you want to work? All of these questions will allow you to determine who you should be reaching out to and how you should approach it. Being proactive can help show employers that you are the kind of person that takes initiative.

2. Use Social Media

In today’s day and age, there isn’t a potential employer who will not search for you on social media when the time comes. Because of this, it is important that you start to build a strong profile online. Doing this can increase your chances of making that employment power switch and land the job of your dreams. LinkedIn is your best friend professionally so make sure your profile is up-to-date. Many recruitment agencies use LinkedIn as a prospecting tool, so this may also help increase your visibility.

3. Have Unwavering Belief in Your Abilities

Right now as we speak there is someone living out their best life because they just believed in themselves, and conversely, there are people who have the skills and ability, but because of their lack of belief in themselves, they are not living up to their full potential. Be the former! Stop allowing yourself to be your biggest obstacle. Have an unwavering belief in your abilities and even if a job says no, understand that it is their loss, not yours. Any employer would be privileged to have you on their team. Know that and believe in that fact as you step out to find your perfect employer match.

4. Keep Learn New Things

Never become so complacent with where you are right now that you don’t do what you need to do to maintain or increase your value in the marketplace. Even if you have been working in the same job or field for a few years, make sure you are engaging yourself in self-development on a regular basis. This may include developing in areas that have nothing to do with your current position but understand that the more you know, the more opportunities you allow to open up for you. There are many online courses that you can take or even certificate programs that can significantly increase your value.

5. Shake Hands & Kiss Babies

Lastly, make sure you become a master networker. The saying that “It’s not what you know, but who you know” is so accurate. The only twist to that is, “Who you know will get you in the door, but what you know will keep you there.” Your network is your net-worth. Make sure you are networking in the industry or profession that you are interested in. You will realize how small the world is and may be able to connect with the hiring manager directly, or even make such a good impression that the opportunities start pouring in re-actively. Either way, your ability to make a good impression and be around the right people may help you land your dream job.

 

Ash Exantus aka Ash Cash is a speaker, bestselling author, personal finance expert, and business consultant. Ash has established himself as a thought leader and trusted voice with Corporate America, Colleges, Churches, and Community based organizations. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money.

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Your Credit Score May Be on the Rise + Why This May Be Good News for Your Insurance Premiums

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Effective immediately many Americans… Well, actually millions of Americans have begun to see their credit scores bump up after the credit reporting agencies began stripping out some non-loan collections accounts and other negative credit information from people’s credit reports. This is because of settlements made with state attorneys general dating back to 2015. The negative credit information removed is mainly medical-debt collections that have been paid by an insurance company, inaccurate information or accounts that failed to reflect repayment efforts. It is said that one collection account is worth 11 points once removed.

So how will this jump affect your Insurance premium? When dealing with insurance, there are a lot of factors that determine just how much your premiums are. Anything from your gender and age, to your driving record or criminal record. But there is your credit score is another factor that a lot of people might not know about. Your credit score can play a huge role in determining just how much you have to pay for insurance.

Insurance Rates based on your credit is not a very well known fact, but it has become one of the norms in recent years. Insurance companies will now look at your credit history, and if you have bad credit, you can expect to pay much higher premiums.

Many people will argue that your credit score has nothing to do with whether or not you will file a claim on your insurance policy but the insurance companies beg to differ. Regardless of how you feel, the policy is here to stay. That means you should be aware of your credit score when attempting to get insurance. If you have a bad credit score, you should make plans for paying higher premiums.

Keep in mind that insurance companies will look at various things, such as pending bills, loans, bankruptcy and more when determining your premium. But here’s the bright side to this. A lot of people who are sick of having to pay high premiums are taking better care of their finances in an attempt to raise their credit score so that they do not have to pay as much. So in some twisted way, it can be a bit beneficial since it gives more incentive to be more careful with your money.

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A Global Attack on ATM’s Seems Imminent + How to Protect Yourself From a Credit Card Fraud Attack

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BREAKING NEWS: According to a cybersecurity expert, The U.S. government has told banks that cybercriminals are preparing to carry out a global attack on ATMs. The FBI issued this warning of an “ATM cash-out” hack that would allow the criminals to withdraw large sums of money using stolen information. Something similar happened to a Virginia bank over eight months in 2016 and 2017 where hackers stole a reported $2.4 million.

Technology has become the gift, and the curse and when it comes to your debit card people are always trying to figure out how to defraud you. Credit card fraud has become a major problem in modern society as well. It continues to get worst, so it’s important we protect ourselves. The following are precautions you can take to prevent fraud:

Keep Your Actual Card In a Safe Place

In order to thwart credit card thieves, you should have your credit cards always with you in your possession or locked up in a safe place where no one has access. Some people like to keep credit cards in their car for emergency reasons, but that is a bad idea unless its put in an inconspicuous place or enclosed in something that doesn’t make it obvious. Keep in mind that not every card involved in credit card fraud is physically snatched. Some thieves will use only the credit card number and leave the card behind.

Stay Focused

Make sure you are alert with each credit transaction you make and get your card back immediately after it is finished. You do not want anyone to have access to your card without your knowledge where they take a picture of it or writing down the numbers.

Take Caution When Buying Online

Cyberspace has become a breeding ground for credit card fraud. You need to be cautious about the online companies and website that you supply your credit card number with. Make sure you only shop at trusted and reputable brands.

Don’t Fall for E-mail Scams

Do not enter your credit card information into websites that you are linked to through emails. The best thing to do is to avoid giving out your credit card number online at all costs. But if you have to make an online payment, there are several reputable services that will allow you to pay without supplying your credit card information to a third party.

Invest in a Shredder

Some thieves will sink to any level to get access to your credit card information. Many will go through your garbage cans searching for credit card receipts or bill stubs with the complete account numbers on them. These numbers are then used to purchase things over the internet or to create a new credit card using your number and credit information. Any document containing your credit card account number should never be left lying around, and although it seems a bit extreme, you should never throw away sensitive items unless they are completely destroyed.

Check Your Statements and Credit Reports

Lastly, you should check your credit report periodically and add a feature where they will alert you to any unusual activity happening with your credit cards,  like increased balances or new accounts. Also check your statement regularly to make sure you catch unauthorized payments early. If you do find that unauthorized charges have been made to one or more of your credit cards, there are choices to be made and steps to be taken.

First off, you should call your credit card company and let them know that your credit card or credit card number may have been stolen and you want the card canceled. Now, the person who has taken your card cannot make any further purchases. Calling immediately will lessen your chances of having to pay for the charges made to your card and limit the amount of harm that has already been inflicted to your credit.

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Google Is Following Your Every Move + How to Follow the Moves of Successful Entrepreneurs

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Sometimes I feel like… Somebody’s watching me!!! And now we know who… According to a recent AP study, Google tracks your whereabouts even when you’ve opted out and told them not to. Researchers found that the leading search-engine automatically stores time-stamped location data through some apps after users turn off Location History on their smartphones. Google who is owned by Alphabet, makes money by selling data such as foot-traffic metrics to advertisers. This is a plus for them but can be a burden on your budget because with this information advertisers can target you directly for things you want and the time you may not have the control to say no to. Data has been the winning formula for technology companies as of late so if you want to be a business person you must also take advantage of data. The following are ways to follow the moves of successful entrepreneurs:

Have the Right Business Mindset

Many entrepreneurs are running successful businesses because they have a routine and a recipe for success that they follow diligently. When most successful entrepreneurs are asked about their secrets of success, they often point to their mental attitude. There isn’t a one size fit all secret except to have the right mental attitude to win in whatever your business is.

Take Advantage of Technology

Technology has proved to be beneficial in any business but especially for entrepreneurs. With technology, a small company can look and function like a fortune 500 company and attract the clients that it wants.  Most successful businesses make sure they leverage technology in order to run their businesses more efficiently.

Be Clear About Your Goals

This goes without saying, but it is going to be difficult to hit a moving target. Those who are successful as entrepreneurs are crystal clear about what they are trying to accomplish. They have a tight laser focus on their goals and make sure they are working towards those goals every single day. If an activity doesn’t align with their ultimate destination, they do not participate. Understanding when to say NO is an important part of being a successful entrepreneur.

Be Decisive

Most successful entrepreneurs are very decisive and know how to make the right decision under tight deadlines. With being clear about your goals, there will be many times that something may seem like it is aligned with your vision but you must not only look at the short or mid-term, you must look at all decisions in the long term as well to decide whether this is beneficial or not. Most successful entrepreneurs know how to follow their business is and gut feeling to make the right choice. And even if they make the wrong choice, they are decisive enough to pivot when needed.

Follow these four steps, and you will be on your way… But I know there are more… What are some other success traits that successful entrepreneurs have? Comment below and let us know your thoughts

 

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