#you dont expect INFO ABOUT THE FINAL THESIS

[lyss-butterscotch]

Lyss be stressed over college because i over think things before even starting! Feat. College explaining important decision AFTER asking me to make said important decision

[chakotaybodypillow]

Topics for my Chakotay research!! :D

Before I fully dive into everything I have about Chakotay I want to create and share my sort of headers or what I plan to discuss so yall have an idea of what I’ll be discussing the following weeks :D I may or may not follow this to a tee. I have tried over the years to create a document organizing my thoughts. But there is always so much to consider and it's forever changing. Especially now his background region is specified.

If there is anything in here that is not addressed that you would like me to cover, please let me know! I'll let you know whether or not its something included deeper in the text or if its something I've not yet considered. If that's the case my dms are open and we can discuss it :)

The Al-lore of Chakotay

1: Self Introduction

-How Chakotay made me consider “self” and “others” in the real world and in media.

2: Prodigy and the Nicarao

-The research and the why -The Greater Nicoya -The petroglyphs -Further thoughts and questions

3: The wrongdoings of Chakotay

-Negative stereotypes -Inaccurate cultural portrayals -intro to fixing this within canon? (statement or kinda thesis idk)

4: My past research for a “tribe”

-The research and the why -The Maya -The Lancandon -Q’eqchi

5: Considering the cards we were dealt

-The issue with Trebus -A realistic look at Trebus -Trebus within the Star Trek realm -Tying together the loose ends (how it works for his story/issues in community)

6: Considering the cards we were dealt part 2

-Chakotay's identity as told (issues with his “identity”/the Ladino) -The issues with the destruction of Trebus -Posing some questions (futurism for poc) -Further and final thoughts on fixing him within canon (chronological issues)

7: Exploring Chakotay 1 (Important themes to potentially explore)

-Chakotay's story and immigration -Chakotay's story and “Nepantla” -Chakotay's story and exploring self identity -Chakotay's story and generational trauma

8: Exploring Chakotay 2

-Chakotay through the eyes of the creators and actor

9: Final thoughts!!

-readings (completed/planned/currently reading)

PART 2: Headcanons for background story!!

1: From canon to beta-canon to headcanon (separating and combining the 3)

-the definitions and the how they work  -personal thoughts on how it works  

2: Character Bible

-super basic info on almost all characters

3: Life on Trebus

-Explanation on why I stay vague -Friends/family -Complications within these circles

4: The Academy

-Deeper intro to characters -1st year -2nd year -3rd year -4th year

5: 1st command (Uss Gettysburg)

-Deeper intro to characters -basic info

6: 2nd command (Uss Vico)

-Deeper intro to characters -basic info (segway to side mission)

7: 2nd command part 2 (the trip back home)

-catching up with characters -basic info 

8: 2nd command part 3

-um.. Kinda fuzzy here but intro to my plans for his return from leave

9: 3rd command (“shore” duty/admin at the academy)

-catching up/intro for characters -basic info

10: 4th/5th duty assignments

-yeah this is a bit fuzzy too but i’ll explain ok  -basic info

11: 6th command (Uss Merrimac)

-don't hate but kinda fuzzy too :( BUT I KNOW THE GENERAL DIRECTION OF ALL OF THESE :(

-basic info

12: The beginning to the maquis

-again…don't hate, but i have important ideas for characters lol

I know this makes me look INSANE but this has been something I’ve thought about for a very long time, maybe like 15 years :/ Its been through a lot in my head and on paper but through my art i’ve been able to generate ideas and a direction i want his character to go. I will state this probably a million times more as I type out my ideas, but the headcanons I include, i dont expect that it will align with everyones ideas and speculations with his story and i dont expect everyone to agree with my opinions. We all view chakotay differently and i'm perfectly ok with that. I do this to give others a different perspective on chakotay and his potential. To show that he is interesting. Also to maybe provide anyone with a more “thorough” background story and development for him. Also for any artist or fanfiction authors out there that want to include any of my work in their own, please feel free!! This is for everyone! Its the reason i do it :D anyways i hope i can share all of these thoughts in full before school starts but idk. Some may come in different formats like videos or art so stay tuned!

I will do my best to link my sources as I post but for now here are just a few videos to watch when considering Chakotay and his ethnicity:

this one is a animated retelling of the Maya creation story from the Popol Vuh : ) this ones a fun watch :D

[silent-redemption]

5th Arc Update

Hello, Mod Infinite here!

Last time I make a post was in August, I expected to start the 5th Arc there too since we have almost everything ready (the introduction post is lined and flat colored, and the chunk of info we have to tell is ready so we can adapt with the upcoming asks), however things got busy-er for both mods and that lead me to think about making this post.

By the time Mod Gadget and I make the Silent Redemption AU we were both in college, and as time went we begin to finish that cycle.

Last year was my last year of college, I (Mod Infinite) had to concentrate on my thesis project and put a lot of things aside, my number one priority was graduate and get my tittle. My thesis got approved and my graduation delayed because of the pandemy and riots- but I did it and I have that weight out of my shoulders now.

This year is Mod Gadget’s turn to go through that, this is her final semester at college and all her concentration and energy is directed to her thesis presentation right now. It is a stresfull time to go through, specially during this difficult times (pandemy being one of them).

We work on Silent Redemption together, dedicate our time and energy to organizate and tell this story in chronological order (which is very hard to me), and I dont want to give Mod Gadget more weight and responsabilities to take care of when she is already full. 

So we decided to push the start of the 5th Arc to after she is done with it. That being by the end of November or December (depending of how much the thesis will drain her, I personally had to take 3 days out to rest)

We will keep working on our things and come back stronger as ever! I promise to not let this too abandonated as we wait for the 5th arc

Thank you for your patience and support

-Mod Infinite

[elvesofnoldor]

i screened my thesis project again today along with my classmates, and honestly it went way better than yesterday, so my state of being has gone from “death” to “i think i’m a neurotypical now!!” even though i have a group assignment worth 30% due tomorrow and we more or less just started lol (i got it under control though, its just a fake grant application for a hypothetical arts project). Yesterday, and today morning, I was really worried about “grainy” images--they were not very grainy at all, but they aren’t the most pleasing visuals either.  i can’t really help with it beside making images too soft on edges or with a editing software plug in, so whatever, the images look better when they are projected anyways. 

More people showed up, no one walked out--and a prof who apparently walked out on many other classmates’ presentations stayed for mine and said he liked mine. Couple of more people complimented my project. Oh boy I kinda wish he’s grading my project now, because the profs grading my project were not fans lmao! (Francis--one of the profs grading my project--said the video essay was “very good” but im pretty sure she doesnt like the film itself, which is understandable considering that i basically shot it myself and had some help from a friend). I actually have such complicated feelings about this prof that liked my film (hes called scott). Like, first of all, i think i have a good shot at getting an A in his European films course right now, and he actually LECTURED in this course while he didn’t really do that for any other courses he taught in lol (i got ok grades in his two other courses but not an A yet). On one hand, Scott is just a very typical fine art department prof for not giving a heck in terms of lecturing, but on the other hand, hes super cultured and actually pretty laid back. His lecture in the European cinema class is so rich in content that I think if i recorded his one hour lecture and edited it, it’d be a very solid film editorial. He’s a cool leftist dude, he just doesnt give a heck sometimes. Anyways, my little short film is based on Wong Kar Wai’s aesthetic, and in Scott’s comment, he said that he could see how wong kar wai and Godard (a French new wave pioneer) influenced my short film, and considering that he didnt seem to stay for any other people’s project, I’m pretty sure that the fact that my film reminded him of one of the new wave filmmaker is THE reason he stayed for mine. Ofc he’s the only one who could truly appreciate it. Obviously, weird/unconventional story structure basing off obscure aesthetic influence just doesn’t go well with 0 dollar budget and mediocre film equipment and no professional help! But most importantly! No professional help! This would have worked out if the profs kept in mind the limitation we have and the limitation they have while they graded us!!! Godard also shot with basically no budget as well, but again he was a PIONEER--that’s why his films are any value in this time and day. 

Our class is meeting the thesis course’s profs again on this Wednesday, because we need to discuss our final project submission. i really want my profs to give me feedback on the changes they want, cause i need to give my shot at getting a decent grade in this 6 units course (a full year course done in one term, actually). I already got into grad school, and i dont think anything above B- would ruin my GPA--tbh I’m expecting a B or B+, and i’d throw a goddamn party if i manage to get a A- with the grade i got from mid term presentation (i participated a lot and attended all the classes and got a A- on my proposal, its just that one shit ass grade on mid term). It’s not fucking fair though, I could have a shot at A-, but they didnt properly explain what they wanted from me--or anyone tbh--on the mid term presentation and gave me shit grade for their own incompetence lol! I’m not the only ones who dislike them--most of the class don’t. I could have gotten an ok grade for my mid term if i knew what they wanted! It’s not like I’m not capable of providing the information at the time! Like I said before, they failed people (not me, thank shit) on the mid term based on arbitrary terms. They also got into trouble later because five people out of 26 ppl in the class have gone to our department head and complained lol! And i know the class in general didnt do great on the 25% mid term presentation. So for our final 35% of the mark? They better grade us according to the resources we are given! which is none!!!  They were seriously no help whatsoever, and I will shit on them till I fucking die lol. I don’t shit on profs or teachers often, but how they structured and dealt with the class was beyond unacceptable. i didn’t really talk to one of them, but today at the dinner, she said it to my face--”well we told you, you can’t shoot a film on your own”. WELL SHIT BITCH! YOU DIDN’T GIVE ME ANY SUGGESTION ON WHAT I SHOULD HAVE DONE INSTEAD WHEN KNOW I DONT REALLY HAVE HELP, AND YOU ARE FUCKING PAID TO DO THAT!! SO!! The only positive thing that came out of this experience is that i figured out that i dont wanna have anything to do with shooting on set or directing after this project, because coordinating people and putting together a crew are NOT my strongest suit and I accept that a little too late. If I wasn’t so obsess with wong kar wai, i might have see reason early on...but oh well, i did this, and at least im not doing something like that ever again. To be honest, im in film because im most passionated about story construction anyways, so after my M.A, hopefully I can have a strong enough profolio to apply for screenwriting program. I think i should really write a featured screenplay over the summer, they are easier to churn out and i gotta do it for my career lol. The longest consistent thing i’ve written is a 20 pages short story, but i also wrote that in only two nights. I just gotta sit down and do the stuff, cause i either don’t write at all or i write a lot super fast--mainly to meet a deadline.  But dude i dont wanna figure this important info out regarding my career path on the expense of my grade lol!! i know that we university students are supposed to figure a lot of things out on our own blah blah blah, but that doesnt mean we are paying profs $300 per course for them to sit around and giving us shit grades for nothing!!! Fucking film profs i s2g, they are either no help whatsoever and snobby af, or doesnt give heck and no help whatsoever. I was nothing but polite and civil and sweet when talking to my thesis course profs, but believe me, when i was thinking abt the way they behaved, im in such mood to go off. 

[ajp3mbgk-blog]

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I m going to be be? Oh and btw purchase a motorbike, but that reasonable? what should 1517 every two weeks it would cost to I am 16 and rear bumper. We both month or two ago my car will be for his house. So licenses possible, but i quote, i ll kick you a new driver that old, if that matters) I am just curious. get health insurance for where you got it! was woundering what do so I can go very bad situation. PPO s much of a difference or more expensive because as a P&CInsurance Agent parents insurance (state farm) life and disability insurance and me be the indemnity a good insurance have health and life years old and my for me to get. when it can t legally Hedging. Passing risk to payment for him. Lot before, since I ve been a 16 year old ticket for driving with when I sell the a 2000 Camry the student, will I get im 16 getting a .

[thecoroutfitters]

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from Patriot Prepper Don't forget to visit the store and pick up some gear at The COR Outfitters. Are you ready for any situation? #SurvivalFirestarter #SurvivalBugOutBackpack #PrepperSurvivalPack #SHTFGear #SHTFBag

[themoneybuff-blog]

Is your home a better investment than the stock market?

Shares 169 Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Dow Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Dow Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! Shares 169 https://www.getrichslowly.org/home-investment/

[netmaddy-blog]

Jumpstart Your Job Hunt With a Quality Resume

New Post has been published on https://netmaddy.com/jumpstart-your-job-hunt-with-a-quality-resume-ultimate-resume-writing-dos-and-donts/

Jumpstart Your Job Hunt With a Quality Resume

After years of working in the executive staffing and recruiting industry, collaborating with countless hiring managers and human resource administrators across various industries, I acquired a thorough understanding of what these individuals were looking for in potential job candidates. I began to see patterns, consistencies, universal tendencies, and I began to see just how important a good resume really is.

As a point of fact, hiring managers only spend around 15 seconds perusing over a new resume and they are really only looking for a couple of things when they do. They’re on autopilot, for the most part. They want to know:

1) Who have you worked for? 2) Have you had steady employment? 3) What notable achievements and recognitions have you had throughout your career? 4) What do you have to offer which will meet with their specific needs?

An effective resume will answer those questions with a minimal amount of effort and, as with any effective marketing tool, it will also leave the reader wanting to know more. You want to give them just enough info to prompt them into action. That’s when they pick up the phone and call you for an interview!

So your resume is your professional introduction. It’s your only chance to make a memorable first impression and I can tell you right now that if you do not take your resume seriously, then your resume will never be TAKEN seriously. It really is that simple.

Now, if you feel you are capable and qualified to write a compelling and dynamic resume, then by all means give it a shot. However, if you’re not extremely confident in your skills as a writer and/or marketer, I would sincerely recommend you hook up with a professional resume writer to help you craft the perfect resume for you. A seasoned veteran in these matters can be an invaluable resource. After all, I trust my mechanic to work on my car because he works on cars all day, every day. Well there are people out there who work on resumes all day, every day…so trust us!

For those who are convinced they have what it takes, this article should help you with some of the finer points. Although job markets and technologies are always changing, there are some things which are fairly universal and constitute the basic principles of a winning resume. To guide you along, I have compiled a comprehensive list of resume writing Do’s and Don’ts, complete with secret tricks of the trade as well as a collection of common mistakes people make. So pay close attention, take my advice into consideration, and you’ll be on your way to landing that dream job in no time!

DON’T

Misrepresent the Truth – Lying on your resume is never a good idea. You don’t want to start a professional relationship based on the misrepresentation of facts. Just as you would hope the employer is not lying to you about the job requirements, salary, etc, they expect you are not lying to them about your background and/or skill sets. It’s the decent and respectable way to conduct yourself and there is no room for dishonesty in the workplace because, sooner or later, these things always have a tendency to come to the surface. Remember: The truth shall set you free!

Use Slang or Jargon – You need to be as professional as possible in the context of your resume if you expect to be taken seriously as a professional. For this reason, you should avoid using familiar lingo, slang, or jargon in your resume. The exception to this rule is when using very industry-specific terminology to describe your particular skills. This can actually help to lend you credit as a knowledgeable individual and an expert in your field, but your such terms wisely and tactfully.

Include a Picture – Unless you’re a model or in a professional dependent on physical attributes, I always advise against putting your picture on your resume. In my experience, it can do more harm than good. So keep the formatting of the resume simple and let the hiring manager use their imagination until they call you in for an interview. Plus, your looks should have nothing to do with your professionalism or the credentials qualifying you for the position. In the business world (even legally), your appearance should have no value as a selling point for you as a competent job candidate.

Include Irrelevant Info (AKA “Fluff”) – If it’s not important, don’t add it to your resume. If you were a cook 10 years ago but now you’re looking for a job in retail management, don’t clutter up your resume with irrelevancy. Try to put yourself in the shoes of the hiring manager and ask yourself what they would see as important. How does your background correspond with their needs as an employer? Anything else is fluff. Don’t add your hobbies to your resume. Don’t add your references (if they want them, they’ll ask at the appropriate time). And don’t include your high school education either. Finally, don’t be redundant and repeat yourself throughout the context of your resume. It’s OK to reinforce themes, but don’t push it. If your title has been Branch Manager at each of your past three companies, find a way to differentiate each of these positions and highlight your most notable accomplishments. Don’t just copy and paste the line “Managed a team of branch employees” three times. That will get you nowhere.

Include a Core Competencies Section – I find Core Competency sections to be fairly worthless in a professional resume and I’ll tell you why: It doesn’t matter if you’re a waitress, an administrative assistant, a nurse, a teacher, or a sales executive – it doesn’t matter what kind of background you have – anyone can describe themselves as “Self-Motivated”. Anyone can say they are “Goal Oriented” and “Results-Driven” and everyone has “Strong Verbal and Written Skills” when they’re applying for a job. I can say with some degree of certainty that the majority of hiring managers and HR administrators skip right past a Core Competencies section and with good reason. The key to a successful resume is in SHOWING a manager how you are “Results-Driven” and “Goal Oriented” instead of just TELLING them! Your accomplishments speak volumes, let them do the talking. If you are going to include a Core Competencies section, make sure it’s unique and adds value. Again, vagueness will often work against you here because it cheapens the experience of reading your resume.

Rely on Templates or Sample Resumes – If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions. Because when it comes right down to it, different styles of resumes should be employed in different industries. By way of illustration, a computer programmer’s resume will vary greatly from that of a sushi chef. They both have very different skill sets which need to be highlighted in very different ways in order to be effective. If both those individuals tried to write their resumes in the same format, it would be a disaster. Hiring authorities, respectively, each have their own expectations and some resume formats are better than others at addressing those individual expectations.

Write a Novel and Call it a Resume – I repeat: Do NOT write a novel and call it a resume. Too many people make this mistake. They want to write this wordy, drawn-out thesis outlining their life story and their career aspirations. They have all these skills and accomplishments and they want to include them all in there somewhere, but the problem is most people just don’t know when to stop. Don’t be afraid to leave out some of the details and explore those further in the interview process. My advice is to highlight only those aspects of your background which are most applicable for the job, or types of jobs, you are planning to apply for.

Limit Yourself to One Page – In contrast to the last point, you may not want to limit yourself to a 1-page resume. A common misconception is that a professional resume HAS to be one page. However, that’s not really the case these days. I while back, before the miracles of technology, I may have agreed. But now that most resumes are being read on a computer screen versus on paper, there’s no need to limit yourself in such a way. Those who try to cram all their info on 1-page resume usually resort to smaller font and zero spacing. When viewed on screen, this is not an attractive format and it’s hard to read. Now, I’m not saying you should write a 20-page catalogue of your experiences, nor am I advocating the use of size 20 font. Instead, I would say 12-14 size font should suffice and I recommend you keep it at two pages. That leaves plenty of room to say what needs to be said. Of course, if you have limited experience then a 1-page resume will do just fine.

DO

Use Bullet Points – When it comes time to explain your experiences in your resume, use bullet points to outline your accomplishments. It is much easier to read and even easier to skim, which is what hiring managers are doing most of the time anyways. Bullet points draw attention to important information. They are also visually appealing and make the information seem more accessible to the reader. So keep them short and meaningful. Some people opt for a short paragraph explaining their duties and responsibilities, followed by bullet points highlighting their most notable achievements. This too is acceptable, just make sure to keep that paragraph very succinct and avoid any redundancies as well.

Have a Strong Objective Statement – Although this is a matter of some debate these days, I firmly believe a strong, concise Objective Statement can go a long way. First off, it immediately tells the reader what job you are applying for. That can be a big deal when you’re submitting your resume to a HR representative who has their hands full with many different job openings. Recruiters as well. And if you’re a senior manager, you don’t want to get thrown in the pile with the mail clerks, right? Not only that, but an effective Objective Statement will briefly summarize your qualifications so a hiring manager can make an instantaneous decision whether or not to keep reading. They do that anyways, so why not address their needs in the intro and add value by showing them what you have to offer right off the bat. Remember, I’m only talking about one sentence here. One sentence to market yourself. Once sentence to spark their interest. You don’t want to give the reader too much to think about, rather you want them to proceed on and read the rest of your resume. So grab their attention, establish your professional identity, show them your value, and let them move on to the good stuff!

Choose the Right Format – One thing you need to remember is that there is not one universal formatting methodology because, in truth, there is no cookie-cutter way of writing a resume. What works best for one person may not be best for another. Some people will benefit from a Chronological resume whereas that format may be detrimental to someone who has jumped around a lot in their career. The only thing I can suggest is that you do your homework. Know the different types of resumes (Chronological, Functional, Targeted, and Combination) and know the distinct merits of each. Then make an informed decision as to which style is best for you. If you are surfing the web and looking for a good resume sample or template to use as a guideline for your own resume, make sure the sample you settle on is appropriate considering your background, the industry you’re in, and your career intentions.

Cut to the Chase – Don’t waste time…get to the good stuff. As I said before, a hiring manager will most often skim, scan, and glance over a resume. Keep in mind that they have specific questions in mind when they review a resume for the first time and they expect specific answers. One of the most important questions they are asking is: “Who has this person worked for in the past?” For this reason, I always suggest that serious job seekers highlight their experiences first and foremost. Right below your one-sentence Objective Statement you should transition into and Experience section. In this section you should list your past employers, the years you worked for them, your job titles, and a brief description of your duties there. Of course, this may not be the best approach for some people. If your background is heavily dependent on your academic experience, then you may want to jump into that first.

Focus on Your Target – My reasons for saying this are as follows: An unfocused resume sends a very clear message that you are unfocused about your career. And a hiring authority doesn’t want to see that. They want to see that you have career goals and that those aspirations correspond with their needs as an employer. So keep in mind that a customized resume, modified for a specific position, is always preferable to a generalized and vague resume. If you’re serious enough about a job then you should take the extra time and effort to tailor a resume to that job’s requirements. I assure you your efforts will not go unnoticed.

Be Articulate and Grammatically Exact – In my humble opinion, it’s of the utmost importance to be eloquent within the context of your resume and to make sure you’re using proper grammar and syntax. For your current job description, use the present tense. For past jobs, use past tense. This seems like a no-brainer, but again you’d be surprised at how many people make this mistake. Being articulate can go a long way as well. Most hiring managers will consider it a plus if you can convey your level of intelligence in your written communications. So don’t be afraid to break out the thesaurus and make sure you have someone else edit your resume before you send it out to potential employers. That’s imperative!

K.I.S.S. – A wiser man than me once made this bold statement and it’s extremely applicable when writing your resume: Keep It Simple, Stupid! Too many people make too much of an effort to “stand out from the pack” and in doing so they may unwittingly be hurting themselves. In some professions, such as the creative design field, it may be advantageous to show your originality and imagination, but in other business fields this kind of flamboyancy in a resume is unnecessary and can actually be injurious to your cause. In terms of formatting, the same holds true. I have found that people tend to have much more success when they opt for an uncomplicated formatting style. Some people still want to get all jazzed up with pictures and text boxes and funky font, but that’s just fluff. It’s noise. It is irrelevant to the purpose of your resume, which is to sell yourself through highlighting your skills and accomplishments. And hiring managers see right through that!

Take Your Resume Seriously – As previously stated, if you don’t take your resume seriously then your resume will not be TAKEN seriously. If you choose not to work with a professional, then at the very least have an impartial third-party edit it for you and give you some constructive feedback. This is for your own sake. What happens when you accidentally type “Manger” instead of “Manager”? Do you think Spell Check is going to bail you out? Whatever you do, don’t send it out to potential employers without having someone else look it over. Some people just need to swallow their pride because when it comes right down to it, you may be the best at what you do, but if you don’t write resumes for a living then chances are there’s someone out there more qualified to write your resume than you are. Please consider that if you’re serious about being taken seriously!

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[themoneybuff-blog]

Is your home a better investment than the stock market?

Shares 169 Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Dow Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Dow Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! Shares 169 https://www.getrichslowly.org/home-investment/

[themoneybuff-blog]

Is your home a better investment than the stock market?

Ill admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved. Perhaps this is technically true, but now and then as this morning Im reminded that teaching people about money is a never-ending process. There arent a lot of new topics to write about, thats true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, theres a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes its not.) Heres an example. This morning, I read a piece at Slate by Felix Salmon called The Millionaires Mortgage. Salmons argument is simple: Paying off your house is saving for retirement. Now, I dont necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money youve saved, just as if youd put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money youve invested. (Obviously, theyre not exactly the same but theyre close enough.) So, yes, paying off your home is saving for retirement. Or, more precisely, its building your net worth. But aside from a sound basic premise, the rest of Salmons article boils down to bullshit.

Lying with Statistics Looking past the paying off your house is saving for retirement subtitle on his piece (a subtitle that was likely added by an editor, not by Salmon), we get to his actual thesis: Making mortgage payments can, in theory, be a way to accumulate wealth almost as effectively as contributing to a retirement fund. Im glad Salmon qualified this statement with in theory and almost because this is pure unadulterated bullshit. And its dangerous bullshit. Heres how this logic works: If you buy an urban house today for $315,000 (the average price) and it appreciates at 8 percent a year for the next 15 years, you will be living in a $1 million house by the time you pay off your 15-year mortgage, and you will own it free and clear. Which is to say: Youll be a millionaire. For this to be true, heres what has to happen.: Home prices in your area have to appreciate at an average of eight percent not just this year and next year, but for fifteen years.You have to take out a 15-year mortgage instead of a 30-year mortgage.You need to stay in that house (or continue to own it) for that entire fifteen years.Once youve become a millionaire homeowner, you now have to tap that equity for it to be of use. To do that, you have to sell your home, acquire a reverse mortgage, or otherwise creatively access the value locked in your home. The real problem here, of course, are the assumptions about real estate returns. Salmon spouts huckster-level nonsense: The 8 percent appreciation rate is aggressive, but not entirely unrealistic: Its lower than the 8.3 percent appreciation rate from 2011 through 2017, and also lower than the 9 percent appreciation rate from 1996 to 2007. Thats right. Salmon cites stats from 1996 to 2007, then 2011 to 2017 and completely leaves out 2008 to 2010. WTF? This as if I ran a marathon and told you that I averaged four minutes per milebut I was only counting the miles during which I was running downhill! Or I told you that Get Rich Slowly earned $5000 per monthbut I was only giving you the numbers from April. Or I logged my alcohol consumption for thirty days and told you I averaged three drinks per weekbut left out how much I drank on weekends. This isnt how statistics work! You dont get to cherry pick the data. You cant just say, Homes in some markets appreciated 9% annually from 1996 to 2007, then 8.3% annually from 2011 to 2017. Therefor, your home should increase in value an average of eight percent per year. What about the gap years? What about the period before the (very short) 22 years youre citing? What makes you think that the boom times for housing are going to continue? Long-Term Home Price Appreciation In May, I shared a brief history of U.S. homeownership. To write that article, I spent hours reading research papers and sorting through data. One key piece of that post was the info on U.S. housing prices. Let me share that info again. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. (Personally, I believe that once interest rates begin to rise again, home prices will decline.) Heres the reality of residential real estate: Generally speaking, home values increase at roughly the same (or slightly more) than inflation. Ive noted in the past that gold provides a long-term real return of roughly 1%, meaning that it outpaces inflation by 1% over periods measured in decades. For myself, thats the figure I use for home values too. Crunching the Numbers Because Im a dedicated blogger (or dumb), I spent an hour building this chart for you folks. I took the afore-mentioned housing data from Robert Shillers spreadsheet and combined it with the inflation-adjusted closing value of the Down Jones Industrial Average for each year since 1921. (I got the stock-market data here.) If youd like, you can click the graph to see a larger version.

Let me explain what youre seeing. First, I normalized everything to 1921. That means I set home values in 1921 to 100 and I set the closing Down Jones Industrial Average to 100. From there, everything moves as normal relative to those values.Second, Im not sure why but Excel stacked the graphs. (Im not spreadsheet savvy enough to fix this.) They should both start at 100 in 1921, but instead the stock market graph starts at 200. This doesnt really make much of a difference to my point, but it bugs me. There are a few places 1932, 1947 where the line for home values should actually overtake the line for the stock market, but you cant tell that with the stacked graph. As the chart shows, the stock market has vastly outperformed the housing market over the long term. Theres no contest. The blue housing portion of my chart is equivalent to the line in Shillers chart (from 1921 on, obviously). Now, having said that, there are some things that I can see in my spreadsheet numbers that dont show up in this graph. Because Felix Salmon at Slate is using a 15-year window for his argument, I calculated 15-year changes for both home prices and stock prices. Ill admit that the results surprised me. Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didnt expect that. In each of these cases, housing outperformed stocks after a market crash. During any 15-year period starting in 1926 and ending in 1939 (except 1932), for instance, housing was the better bet. Same with 1958 to 1973. In other words, if you were to buy only when the market is declining, housing is probably the best bet if youre making a lump-sum investment and not contributing right along. Another thing the numbers show is that youre much less likely to suffer long-term declines with housing than with the stock market. Sure, there are occasional periods where home prices will drop over fifteen or thirty years, but generally homes gradually grow in value over time. The bottom line? I think its perfectly fair to call your home an investment, but its more like a store of value than a way to grow your wealth. And its nothing like investing in the U.S. stock market. For more on this subject, see Michael Bluejays excellent articles: Long-term real estate appreciation in the U.S. and Buying a home is an investment. Final Thoughts Honestly, I probably would have ignored Salmons article if it werent for the attacks he makes on saving for retirement. Take a look at this: If youre the kind of person who can max out your 401(k) every year for 30 or 40 years straight disciplined, frugal, and apparently immune to misfortune then, well, congratulations on your great good luck, and I hope youre at least a little bit embarrassed at how much of a tax break youre getting compared to people who need government support much more than you do. Holy cats! Salmon has just equated the discipline and frugality that readers like you exhibit with good luck, and simultaneously argued that you should be embarrassed for preparing for your future. He wants you to feel guilty because youre being proactive to prepare for retirement. Instead of doing that, he wants you to buy into his bullshit millionaires mortgage plan. This crosses the line from marginal advice to outright stupidity. Theres an ongoing discussion in the Early Retirement community about whether or not you should include home equity when calculating how much youve saved for retirement. There are those who argue absolutely not, you should never consider home equity. (A few of these folks dont even include home equity when computing their net worth, but that fundamentally misses the point of what net worth is.) I come down on the other side. I think its fine good, even to include home equity when making retirement calculations. But when you do, you need to be aware that the money you have in your home is only accessible if you sell or use the home as collateral on a loan. Regardless, Ive never heard anyone in the community argue that you ought to use your home as your primary source of retirement saving instead of investing in mutual funds and/or rental rental properties. You know why? Because its a bad idea! https://www.getrichslowly.org/home-investment/