Jobs and Beyond

Amidst the hassles of moving, finding the kids a new school, and settling in to your new position and community, it's easy to lose sight of the finish line—retirement. Your 401(k) is probably your most important investment in regards to retirement savings. Don't let it get lost in the shuffle when a change in your professional life comes along.

When switching jobs, there are three things you can do with your existing 401(k): leave it where it is, roll it over into an account with your new employer, or move the money into an IRA. Cashing out the plan is not an option. We repeat: DO NOT CASH OUT YOUR 401(K)! It'll badly set back your retirement savings plan. You'll be hit with income taxes plus a penalty of 10 percent if you're under age 59½. What's more, you'll miss out on tax-deferred savings.

Leave It Where It Is

There's nothing wrong with keeping the cash where it is if you're happy with the plan at your old job. If you're confident you can keep track of it, if you've got a nice chunk of change in there, or if the plan your new employer is offering is less than appetizing - leave it be. Just make sure you tell your old HR department about your plan to leave it behind. If there is less than $5,000 in the account, they have the right to dump you.

Roll It Over

Most financial professionals agree it's a good idea to have all of your 401(k) dollars under one roof. It'll work harder for you as one asset and you can dip into it (as a loan) if a financial emergency arises. If you do decide to rollover, make sure to jump through all of the (relatively minor) hoops and fill out the appropriate paperwork with both your old company and your new employer.

Drop It Into An IRA

If your new gig doesn't offer a 401(k) program, or if you dig the investment freedom that comes with an IRA, go this route. You'll have much more of a choice when it comes to investing your retirement dollars, as thousands of mutual funds will be at your behest instead of a dozen or so 401(k) options. Be cautious when going this road, though. 401(k)s are generally a smidgen more protected from those evil creditors than are IRAs. It's a minor detail now, but if you ever declare bankruptcy or get sued, it could become a much bigger issue.

Whichever route you choose, know the rules. Way back when, details were cloudy on the IRS-friendly way to transfer funds from one 401(k) to another account. Investors had to put 401(k) funds into a "conduit" IRA if they believed they would move the funds into another 401(k) account in the future. The money couldn't be mixed with other retirement savings and new contributions were also verboten. Sound confusing? It was.

But no longer. Mix all you want. You can transfer an old 401(k) account into an IRA while still making payments, move it from a new IRA into a Roth IRA, or shift the funds directly into a new 401(k) account. The choice is yours.

However, make certain to complete a "trustee-to-trustee transfer" when you relocate your funds. This basically means you're directing your new employer to schedule the details of the transaction with your old company. This way, you can avoid your old job writing you a check for your existing 401(k) balance, wherein you have 60 days to drop it into a new account. This is not a headache you want. When you go this direction, your previous company will hold back 20 percent of your money for income tax purposes.

The next time you file your taxes, you'll get the money back, but meanwhile you'll have to make up the difference yourself within the 60 days. No thanks. Even more frightening: if you don't roll over the entire balance within 60 days, the taxman cometh. The IRS sees that deficit as a taxable withdrawal and enforces regular income taxes along with a 10 percent penalty.

Unitek College (www.unitekcollege.com) offers a medical assistant training program that allows students to become certified. The program prepares students for a medical assistant career by combining hands on lab experience and lectures to create a well rounded education. Students have the opportunity to work in actual medical lab facilities as part of their medical assistant training. They can even hold down a job while they become a medical assistant because the four hour a day, eight month program offers several flexible options for morning, mid-morning and evening classes. This way, students can pursue a medical assistant career and still take care of family duties, work fulltime or pursue additional educational opportunities because they only attend class twenty hours a week. Unitek's program guarantees that students will become medical assistants and receive their National Certified Medical Assistant certification once they successfully complete the program.

Tuition for Unitek's medical assistant training program covers books, lab fees, testing fees, uniform and bag-pack as well as actual course costs. The externship that follows the first six modules of the program prepares students for a medical assistant career by allowing them to practice in a real time clinical setting with an actual physician. The first six modules cover theory in medical assisting, medical law, patient care, stages of life, pharmacology and computerized administrative medical assisting. Students also learn important aspects of medicine that aid them as they become medical assistants. They learn first aid and the basics in cardiopulmonary, glands, urology, digestion and reproduction. They also learn how to handle patients who are at various stages of life including pediatrics, OB/Gyn and geriatrics. This comprehensive program prepares students to accept entry-level positions into a variety of medical settings. To learn more about Unitek's medical assistant training program visit the Unitek College's website at http://www.unitekcollege.com/Medical_Assistant_Career_Prospects.

Do you like to learn about new and interesting things? If so, then this article will be right up your alley!
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Your standard of education must be very high; with very few exceptions, a degree is essential, though not necessarily in languages - it is a positive advantage to have qualifications or experience in another subject. Postgraduate training in translation is useful. You must be able to write your own mother tongue impeccably in a style and register appropriate to the subject and have a flair for research on technical subjects.

It goes without saying, that you should have a thorough grasp of the languages in your language combination, you must also be familiar with the culture and customs of the country. The only way to do this is by surrounding yourself with the language, i.e: by living/studying in the country where the language is spoken. German is spoken in 5 countries: Germany, Austria, Switzerland, Liechtenstein and Luxembourg. There is no substitute for first-hand experience of living in a foreign culture, and as an Irishman living in Berlin, Germany, I can only recommend this course of action.

It is best to have a specific field that you specialize in, be it literature, technical, medical, legal.

Have invested in a minimum of equipment and software. At a minimum you should have a computer and appropriate word-processing software; fax machine and internet connection; suitable dictionaries, preferably online dictionaries like LEO, which return results at the touch of button, saving you an enormous amount of time searching through printed dictionaries. A telephone; answering machine (and, optionally, a dictating machine); increasingly, today's translators are also using translation memory software and other translation tools. In an office translation environment, the use of the Computer-Aided Translation (CAT)-tool Trados has become the standard. CAT-tools like Trados or Deja vu can cost quite a handful. If funds do not allow, seriously think about taking out a loan to cover start-up expenses. The investment will pay off.

While it is not the industry standard, Wordfast also offers a very resourceful alternative as it has the functionality of Trados and Deje vu, but doesn't cost you a penny. Donations, however, are welcome.

Produce a well-typed, well-presented curriculum vitae, briefly describing your education, qualifications and the languages from which you translate (source language/s). For Germany, you should usually include a picture of yourself beside your name and address and choose a tabular layout.

A translator translates from a source language into a target language. You should translate only into your mother tongue (target language). Make sure you mention any other degrees you may have or relevant work experience. Say how you produce your work (word-processing software) and whether you can communicate by email or fax.

Never shy away from asking a friend who works in business or in the language world to take a critical look at your CV before sending it out. It is, after all, your career we're talking about! In fact, if they can help you even more, all the better.

If sitting at home all the time does not appeal to you, then you should not rule out the possibility of working as a freelance translator with a 9-5 office job. I myself worked in an office where the majority of translators were freelancers.

An online translation forum is a great way of getting your foot in the door. Sign up for e-zines and newsletters.

You should send your CV and a short covering letter to possible places of employment: Not just translation companies though, try local exporting/importing firms of whose products/business you have special subject knowledge. If you are a student, there are plenty of companies out there looking to take on apprentices with a view to later full-time employment.

A-Z Checklist for Translating

Business-like is a word you should not forget! As long as you have an answer to my a-z of questions, and tick them off when you've an answer for each one, then you should be ok.

Pre-Translation "You should know"

a) Who is the translation for - this can be helpful when determining the register of your translation.

b) Is there a contact for queries? Make sure you have records of the contact person's details: name, email, telephone and remember business-like as always. Always keep records.

c) Find out if the language has to be translated into a particular variant. UK English or US English?

d) Are there particular terms that the translation should include for consistency?

e) If working under contract for a translation company, do they have a style guide that you should follow: i.e.: Rules for translating dates etc.

f) Are text areas, embedded in tables and images, to be translated as well? If so, knowledge of graphic editing programs is of an advantage.

g) Are you required to use a specific word processing software for the translation?

h) Are you required to use a specific Computer-Aided Translation (CAT)-tool for the translation e.g. Trados, Deja Vu?

i) Is there a translation memory available for the translation?

Double-Checking

j) Before delivering: has the translation been double-checked for accuracy, consistency, spelling, font styles the same?

k) Does the text sound as if it was translated? If in doubt get someone who doesn't speak the source language to have a quick read through your translation.

Delivery

l) Where is the translation to be delivered? To the customer's address, Internet address?

m) When is the translation deadline?

n) How is the translation to be delivered? By fax, email, post?

o) Do copies of material sent have to be returned?

Charging and Extra Charges

p) How will the translation be charged? Time, per word, per sentence?

q) Will there be an additional charge for irregular difficulties?

r) Will there be an additional charge for research? Specialist terminology?

s) Must the translated text be proofread?

t) Will VAT be applicable?

Payment

u) How and when is payment to be made?

v) When is payment to be made?

w) What method of payment is to be used? Bank transfer, check?

Liability and Compensation

x) Is the translation to remain confidential?

y) Does your indemnity insurance, and you will need indemnity insurance, cover all possibilities?

z) Is the early termination of a job subject to compensation?

And that's it! If you can answer these questions then you're one step closer to becoming a professional.

In the corporate world, there is one undeniable truth you need to realize: the higher up the ladder, the harder it is to climb. But the way is always open for anyone who dares to do so - and that includes you. It is for this reason that a Customer Manager should always go for the best Resume Service out there to help him prove his skills and expertise on the position.

Just how important is a resume anyway? And how hard is it to come up with one? You have to realize that your resume is all that your prospective employer will know of you - your purposes for applying for the job, your educational background, your related work experience, and your personal characteristics that render you fit for the nature of the work you wish to be considered for. Do you really want to make the wrong impression? Of course not - especially when you are aiming for such a position as a Customer Manager - and this is why you need to have the best Customer Manager Resume you could ever come up with and present during your job or business interview.

Not everyone is born having the natural gift of being a good sales person. A person who has good talent for sales can easily give you a 5 minute long talk and then squeeze the selling part of his short speech right in the middle of your interesting conversation. If he is that good, then usually you will end up having very important questions in mind that you just couldn’t resist but to get relevant answers for. Asking questions in the middle of a conversation is an obvious proof of interest. Having these questions answered for you will most likely lead you to buying what you are being offered at that moment. This is what you really want to happen during an important interview, get that other person to become deeply interested and intrigued with what was written in your resume.

But how hard could that be, right? Perhaps you've been able to pen your own resumes in the past, and maybe they have gotten you the job you want. But again, do not forget how much tougher it is up the corporate ladder - do you really want to leave your chances to maybe and perhaps? What you need is professional help that will do the job for you.

The best obvious option is to come up with a Professional Resume Service. Someone who knows how the industry works; knows how employers think; and knows exactly what you need. When choosing a service provider of any kind, your choice should always be whichever one seems to look and feel professional the most. This is most advisable in finding a service that will help you sell your own skills and promote your values in the most professional manner possible. Every step is crucial now, and every misstep could mean a notch down the ladder, not up. Of course we all know which way you want to go.

Are you hoping for a professional resume that will guarantee to win your interviews for you? You don’t have to try every resume service just to come up with your own perfect resume. Pete Miguel has good passion of helping other people in achieving their goals toward career advancement. You may visit one of his sites where he provides professional assistance in selling your skills and qualities effectively. www.ResumeServicePlus.com

What should you bring to an interview? Should you come with little more than your carefully groomed and polished self? When deciding what to bring to a job interview, many people fail to prepare. They think that bringing things to an interview makes them appear over the top, but the opposite is actually true. If you don't bring anything, an employer may feel like you have come unprepared.

You should never attend an interview empty handed. At the very least, you should bring a copy of your resume. If you are being interviewed by a team, bring a resume for everybody that will be attending the interview. References are also required. Do not wait for the interviewer to ask for these. Offer them. Avoid carrying a handful of loose leaf papers. Carry your documents in a professional file and briefcase.

If you hold a professional license, you should bring evidence of your license to your interview. Bring anything that proves that you are legally able to perform the job that you are applying for. Positions that may require a professional license includes nursing positions, cosmetology positions and teaching positions.

When deciding what to bring to a job interview, many people decide to put together a portfolio that highlights their qualifications. It is a proven fact that visual aids are effective, so why not use these to your advantage during a job interview? Before you throw together a portfolio, gather examples of your best work only. Remember; a portfolio is an aid and should not take up the bulk of the interview. If your portfolio contains digital information, bring a laptop or some other medium with you. Do not expect your interviewer to supply the equipment. Avoid carrying bulky objects as well. Do not overwhelm the interview room with all of your gear. Keep it simple and professional.

Never forget essentials when deciding what to bring to a job interview. Be prepared for anything. Extra copies of your resume, breath fresheners, an extra pair of panty hose, deodorant, safety pins and a change of clothes are all good ideas. Be prepared for anything. This will help you stay calm and in control no matter what happens the day of your interview. Being prepared will help you concentrate on what really matters, like all of those questions you will need to answer.

CK Tan is the owner of JobAsiaSearch.com, a web site dedicated to assisting job seekers secure a job in Asia. If you need help in your Asia job search or looking for a job opening in Asia, visit http://www.jobasiasearch.com/

When you hear the term property manager , many job descriptions come to mind.

Self storage- these managers will oversee the facility. They will make sure that the access-controlled gate is working properly. Daily walks around the property will insure that the buildings are in good standing order and do not need repair. If they do need repair the manager will either be able to repair the damage or hire someone to do the work. Making sure the landscaping is done and curb appeal kept up is an important part of this job. The property must look nice to draw in potential customers.