Nontechnical Skills for Accounting and Finance Jobs

Nontechnical Skills for Accounting and Finance JobsNontechnical Skills for Accounting and Finance JobsIn-demand technical abilities and certifications have long been the keys that open doors to top accounting and finance jobs. But today, many employers specifically seek experienced professionals who can bring a range of nontechnical skills to their position, as well.Once viewed primarily as nice-to-have qualities, soft skills - such as the ability to communicate effectively with non-finance audiences or to work collaboratively across departments - are now requirements for many accounting and finance roles. That includes consulting jobs.Carrie Wentling, resource specialist for Robert Half Management Resources and director of member services at Financial Executives International (FEI), says, Some of the attributes that employers value most in consultants are problem-solving, attention to detail, relationship-building and organizational skills. These abilities are critical for full-ti me as well as project-based work, as each assignment brings new challenges to work through - and new people to work with.She adds that flexibility and adaptability are also important qualities for consultants to possess. Being able to anticipate what is coming next - good or bad is also key, as Wentling explains Employers want consultants to analyze situations quickly, and clearly explain what needs to be done, and why and how. To deliver on that expectation, consultants need to have a strong mix of technical and soft skills, she says.The nontechnical skills that can help you stand outSome of the abilities that Wentling highlights, such as adaptability and flexibility, are also listed in our latest Salary Guide as in-demand skills for accounting and finance jobs. Following is a closer look at some of the nontechnical abilities that can help you advance your accounting and finance or consulting careerIntegrityThis character trait - albeit abstract - is important in any business s etting. But it is particularly critical for professionals who handle financial information, intellectual property and other sensitive data. Its also a top leadership trait In recent Robert Half Management Resources surveys, both workers in general and CFOs cited integrity as the most important attribute for business leaders to possess.Relationship-buildingWentling noted that relationship-building is important for both full-time positions and consulting careers. But any accounting and finance professional who invests the time to build trust and credibility with their colleagues and clients is likely to see career benefits stem from that effort. Mastering the art of relationship-building also can help you to understand others challenges and make mora valuable contributions to an employer. It will enable you to be a more effective leader, as well.CommunicationThe nature of communication in business is changing rapidly due to new ways of sharing information, like social media and collab oration tools, and the growing volumes of data that companies are collecting and generating. The ability to synthesize and present financial data clearly and concisely has never been more critical for accounting and finance pros. So is the ability to maintain an effective two-way (i.e., talking and listening) dialogue with others inside and outside the organization. Polished public speaking skills are also valuable given the heightened profile of the finance function in businesses today.A commitment to continuous learningIndividuals who are dedicated to lifelong learning position themselves for more successful careers because theyre able to adapt to change more easily. As business needs and environments shift, naturally inquisitive accounting and finance professionals who are proactive about their development will find they are able to stay ahead of the curve, rather than struggle behind it. Plus, businesses today emphasize innovation and expect that mindset from everyone in the org anization, including the accounting and finance teams.Openness to diverse perspectivesAccounting and finance professionals, including finance leaders, must be able to interact and collaborate with people from dramatically different backgrounds - and different generations. Communicating with, motivating and persuading different parties can require varied approaches, as well as emotional intelligence - that is, the ability to identify and manage your emotions and the emotions of others.To advance your career, look for ways to build - and continually demonstrate - the above qualities to employers. Technical skills and certifications are still the things that hiring managers will look for first in the candidates they evaluate, according to Wentling. But demonstrated strength in the nontechnical areas that employers value and evidence of a strong work ethic can help to set you apart and allow you to take on positions of greater responsibility.Looking for consulting jobs in accounting and finance?You can start your search for assignments right from our website. Just click on the button below to start looking for interim project-based financial jobs in your target market.SEARCH CONSULTING JOBSThis post welches originally published in 2014 and has been updated to reflect more current information and insights.

How to Cash a Paycheck Without a Bank Account

How to Cash a Paycheck Without a Bank AccountHow to Cash a Paycheck Without a Bank AccountSeven percent of Americans dont have abank account, according to a 2015FDIC survey. If youre one of the 9 million that doesnt, there are alternatives available forcashing your paycheck. Most of behauptung options have associated costs that exceed the dienstgrads of some banks, so it is worth considering the feasibility of opening a bank account first. For example, Key Bank offers a hassle-free checking account with a minimum deposit of $10. After the first 30 days as an account holder, you can deposit a check and have access to your funds with only a one day hold.If you have an equivalent balance in your account, then you can cash the check immediately. Key Bank can you a debit card associated with the account that is accepted virtually everywhere as good as cash and will be insured against loss. A bank account will enable you to opt for direct deposit by your employer or government agencies lik e the IRS and Social Security. The money can then be spent on your debit card without the bother of a visit to a bank or check-cashing entity. The following options are worth considering if you have decided a bank account is not appropriate given your circumstances. Banks You may be able to cash the check through the bank which your employer utilized to issue the check. If theres a local branch, stop in and ask if they will provide that service. Also, check with your employer to see if they have made arrangements with the bank issuing its checks to provide this service or a low-cost option. According to a survey byMy BankTracker, Citibank doesnt impose a fee to cash a check under $5,000 thats drawn on their bank, and Capital One will also cash a check drawn on its bank for free. Many banks charge a fee, generally ranging from $6 to $10, though some banks will charge a higher fee based on a percentage of the check amount. A few banks will cash checks from non-customers which are not generated by their bank. Fees will generally be higher for this service. KeyBank, for example, charges 1% of the check, up to a maximum fee of $22.50. Mostbanks will only cash payroll and government checks and not personal checks for non-customers. Check Cashing Kiosks Check cashing kiosks exist in many retail and convenience stores. Some provide 24/7 check cashing services while others are only open when the store customer service center is open.Options for receiving payment include cash or payment on a store card at some large retailers. A disadvantage of this option is a fee structure often ranging from 1 - 5%.7-Eleven, for example, charges .99% of the check amount at their kiosk. Check Cashing Services at Retail Stores Check cashing services for payroll checks, government checks, tax checks, and money orders are available at manyWalmartstores for a small fee- $3 for checks $1,000 or less and $6 for checks greater than $1,000 and no more than $5,000. (The limit increa ses to $7,500 from January to April for tax refund checks.). KMartwill cash payroll, government and two-party checks (up to $500) for $1 in some states and free of charge in others. Other retailers, especially grocery stores and some liquor stores, often cash paychecks. With grocery stores, you may need a store membership card to have check cashing privileges. In many cases, there is a fee associated with these services. Prepaid Bank Cards Banks offer prepaid cards you can get without having to open a bank account. For example, if you sign up for a Chase Liquid card, you can load cash and checks onto your card at an ATM or via an app on your phone. You can then use your card to withdraw money or make purchases. Note that there is a monthly fee for these services. Its currently $4.95 for the Chase Liquid card. Check Cashing Stores An expensive option for cashing checks is a check cashing store. Check cashing stores typically charge a percentage of the check and a flat fee. So me may impose a fee thats equal to a percentage of the check value. Others may charge a flat fee on top of a percentage fee. For instance, to cash, a $2,000 check, a $5 fee plus 1 percent comes out to a $25 deduction from your paycheck. Check cashing stores will often provide an advance on paychecks not yet issued for a sizeable fee and will take the proceeds of the individuals paycheck on its delivery date. ThesePayday Loansare the fruchtwein expensive option, and once recipients get accustomed to a schedule for advancepayments, they are more likely to continually tap this service at a significant cost. According to theConsumer Federation of America, payday loans can cost $15 to $30 to borrow $100 with interest adding up to 400% over the course of a year. Enlisting Help From Friends and Family Some individuals without bank accounts approach their highly trusted contacts who have bank accounts and ask them to cash checks on their behalf. ID Needed to Cash a Check To cash a c heck, you will typically need to provide one or two forms of identification, including a picture ID, like a drivers license, passport, or state photo ID. A government-issued photo ID is the best most widely accepted identification to use.

Questions To Extract Candidate Skills And Capabilities

Questions To Extract Candidate Skills And CapabilitiesQuestions To Extract Candidate Skills And CapabilitiesQuestions To Extract Candidate Skills And Capabilities FalconeThe success of your small business recruiting strategy depends on many factors, but one is key your ability to accurately assess the candidates awareness of their accomplishments and achievements during the interview process.Given the volume of applicants chasing the few job openings that exist out there as the economy strives to find its new footing, its critical that small business owners learn to differentiate between those who clearly stand out among their peers versus those who just get by or otherwise struggle to the minimums.Power interviewing thus takes on a new meaning for those business owners with little time to prepare and conduct an interviewand few resources such as formal testing, background checks and drug screens to aid their hiring decision.Interview Questions that Focus on AchievementWe all know th at the right hire can drive excitement and productivity among team members, just as easily as a hiring mistake can quickly undo much of the employee productivitythat youve developed over the years, so the stakes in this game are high.Focusing on achievements and accomplishments comes in a number of forms, but particular interview questions get to the bottom line more efficiently than others.Terry Comp, principal of LTC Performance Strategies, a boutique performance consulting firm in Valencia, California, recommends doing away with the traditional Tell me about yourself interview question and asking instead, Walk me through your career progression, leading me up to what you do now in your current role at XYZ Company.The logic? Focus on progression through the ranks and the assumption of greater responsibilities. People who promote and build their careers think beyond their basic job duties and fit the generalist role that every small company needs. They also often have a greater ach ievement awareness that translates into higher productivity, creativity, and employee engagement, according to Comp.An introductory interview question to ask such as, What makes you stand out among your peers? is an excellent litmus test in probing for an individuals level of self-esteem and awareness of accomplishments.If the job candidate stumbles in coming up with an answer, you could gently lead them to a similar interview question, Why would your former bosses say youre special? What do you think they would remember most about you?Anyone could answer the question, but elend everyone could answer it in a sincere and open way. Be sure and watch interview body languageand eye contact while a candidate responds.And dont forget the traditional queries, Tell me about your greatest strength and greatest weakness Approach this as objectively as you can in terms of what your most respected critic might say about you.Yes, this combo might seem a bit worn because its been used for so long but, according to Comp, Im still surprised at the answers I get to these very simple questions in terms of shedding light on the individuals personality, work ethic and common sense, especially among earlier career candidates.Quantifying Candidate SkillsDepending on the type of hire youre making, you could easily step up this strength/weakness question by asking, What have you done at your present/last company to increase revenues, reduce costs, or save time? This query will give you insights into how well candidates can quantify their achievements.And dont forget that juniorchefin staffers should still be able to answer that question in terms of saving time.Sonny Falcone, founding partner of Falcones Cookie Land bakery in Brooklyn, New York, feels that when it comes to hiring bakers and truck drivers, qualifications are what count most. In an industry known for high employee turnover(bakers tend to move around often), its best to turn lemons into lemonade by capitalizing on new hi res experiences at other bakeries. Falcone learns tricks and shortcuts from new hires that show him how to do things better and work more effectively. Were all for it, he says.So how does a baker actually interview a job candidate? Via live action Falcone likes to invite finalist candidates to work on his team for one or two days to get a feel for their style, work ethic and baking capabilities before making a job offer.What our people will find out in that time is What do you know about us and why would you want to work here? According to Falcone, Theres notlage necessarily a right or wrong answer. But we want to get a feel for candidates commitment levels and about how serious they take their work.The Results-Driven CandidateIf theres one quality that many small business owners wish they could find, its employee motivation.After all, smarts, prior experience and credentials dont mean all that much unless new hires are willing to apply themselves to the new job. An excellent interv iew question to learn more about a candidates initiative is, Whats the one achievement that youre proudest of in your career and that helped you garner the most kudos and recognition at work? People who focus on achievements and accomplishments tend to cut through the clutter and get to the bottom line faster. Its just how they think, and as a small business owner, you could capitalize on their results orientation.No, these arent necessarily easy interview questions and they may take some self-critical insight and soulmusik searching on the candidates part. But your company is certainly worth it.This investment of time also benefits the candidate who may be thinking, Wow - these people take this all pretty seriously. It sounds like they know what they want and have high expectations. And thats the type of company culturethat youll want to create and sustain for all your employees.Theres no better time to cement that expectation than during the initial candidate interview.

Job Offer Letter Sample for an Employee Early in Their Career

Job Offer Letter Sample for an Employee Early in Their CareerJob Offer Letter Sample for an Employee Early in Their CareerThe job offer letter is provided to the candidate you have selected for the position. Most frequently, the candidate and the organization have verbally negotiated the conditions of hire and the job offer letter confirms the verbal agreements. Generally, the candidate has indicated that he or she will accept the position, under the stated terms, prior to the drafting of the letter. Do regard the position acceptance as tentative, however, until the offer letter, and the confidentiality agreement, if you use one, are signed. Sample Job Offer Letter Content Early Career The following job offer letter is customized for the early career professional. The beginning or early career employee usually accepts yur standard job offer and the job offer letter is not complex. These candidates are happy to have an offer, appreciative of any benefits provided, and unlikely to negotiate for different or additional conditions of employment. It is recommended that you consult an attorney about any job offer more complicated or more extensive than this sample. Sample Early Career Job Offer Letter Date Name Address Address Dear __________________________________ It is my pleasure to extend the following offer of employment to you on behalf of (your company name). This offer is contingent upon your passing our mandatory drug screen, our receipt of your college transcripts, and (any other contingencies you may wish to state). Title________________________________________________________ Reporting RelationshipThe position will report to _____________________________________________________________ Job Descriptionis attached. Base SalaryWill be paid in bi-weekly installments of $_________, which is equivalent to $_______ on an annual basis, and subject to deductions for taxes and other withholdings as required by law or the policies of the company. Non-Compet e Agreement Our standard non-compete agreementmust be signed prior to the start date. (With early career employees, some companies use a Confidentiality Agreementon the assumption that access to trade secrets, company strategic information, and customer lists, as examples, may be limited.) Benefits The current, standard company health, life, disability and dental insurance coverageare generally supplied per company policy. Eligibility for other benefits, including the 401(k) andtuition reimbursement, will generally take place per company policy. Employee contribution to ?thepayment forbenefitplans is determined annually. Vacation and Personal Emergency Time Off Vacation is accrued at x.xx hours per pay period, which is equivalent to two weeks on an annual basis.Personal days are generally accrued per company policy. Start Date_________________________________________________ Car/Phone/Travel Allowance Normal and reasonable expenses will be reimbursed on a monthly basis per company p olicy and upon completion of the appropriate expense request form. Your employment with (Company Name) is at-will and either party can terminate the relationship at any time with or without cause and with or without notice. You acknowledge that this offer letter, (along with the final form of any referenced documents), represents the entire agreement between you and (Company Name) and that no verbal or written agreements, promises or representations that are not specifically stated in this offer, are or will be binding upon (Company Name). If you are in agreement with the above outline, please sign below. This offer is in effect for (generally, five business days). Signatures __________________________________________________________ (For the Company Name) __________________________________________________________ Date __________________________________________________________ (Candidates Name) __________________________________________________________ Date haftungsausschlussPlease note that the information provided, while authoritative, is not guaranteed for accuracy and legality. The site is read by a world-wide audience and employment laws and regulations vary from state to state and country to country. Please seek legal assistance, or assistance from State, Federal, or International governmental resources, to make certain that your legal interpretation and decisions are correct for your location. This information is for guidance, ideas, and assistance. More Sample Job Offer Letters Sample Employment Offer Letter (Standard Early-to-Mid-Career)Mid-Career Sample Job Offer LetterExecutive Sample Job Offer LetterSales Sample Job Offer LetterGeneric or Standard Sample Job Offer Letter Date Name Address Address Dear __________________________________ It is my pleasure to extend the following offer of employment to you on behalf of (your company name). This offer is contingent upon your passing our mandatory drug screen, our receipt of your college transcripts, an d (any other contingencies you may wish to state). Title ________________________________________________________ Reporting Relationship The position will report to _____________________________________________________________ Job Description is attached. Base Salary Will be paid in bi-weekly installments of $_________, which is equivalent to $_______ on an annual basis, and subject to deductions for taxes and other withholdings as required by law or the policies of the company. Non-Compete Agreement Our standard non-compete agreement must be signed prior to start. (With early career employees, some companies use a Confidentiality Agreement on the assumption that access to trade secrets, company strategic information, and customer lists, as examples, may be limited.) Benefits The current, standard company health, life, disability and dental insurance coverage are generally supplied per company policy. Eligibility for other benefits, including the 401(k) and tuition reimbursement, wi ll generally take place per company policy. Employee contribution to payment for benefit plans is determined annually. Vacation and Personal Emergency Time Off Vacation is accrued at x.xx hours per pay period, which is equivalent to two weeks on an annual basis. Personal days are generally accrued per company policy. Start Date _________________________________________________ Car/Phone/Travel Allowance Normal and reasonable expenses will be reimbursed on a monthly basis per company policy and upon completion of the appropriate expense request form. Your employment with (Company Name) is at-will and either party can terminate the relationship at any time with or without cause and with or without notice. You acknowledge that this offer letter, (along with the final form of any referenced documents), represents the entire agreement between you and (Company Name) and that no verbal or written agreements, promises or representations that are not specifically stated in this offer, are or will be binding upon (Company Name). If you are in agreement with the above outline, please sign below. This offer is in effect for (generally, five business days). Signatures __________________________________________________________ (For the Company Name) __________________________________________________________ Date __________________________________________________________ (Candidates Name) __________________________________________________________ Date Disclaimer Please Note Susan Heathfield makes every effort to offer accurate, common-sense, ethical Human Resources management, employer, and workplace advice both on this website, and linked to from this website, but she is not an attorney, and the content on the site, while authoritative, is not guaranteed for accuracy and legality, and is not to be construed as legal advice. The site has a world-wide audience and employment laws and regulations vary from state to state and country to country, so the site cannot be defin itive on all of them for your workplace. When in doubt, always seek legal counsel or assistance from State, Federal, or International governmental resources, to make certain your legal interpretation and decisions are correct. The information on this site is for guidance, ideas, and assistance only.

Ruthless Resume Help Review Strategies Exploited

Ruthless Resume Help Review Strategies Exploited Our company has the ability to cooperate with all our prospects to create the most suitable papers for everybody. If it is possible to partner with a local job fair, you might be able to have a whole booth that provides free resume critiques. Federal jobs often need you to have experience in a special type of work for some period of time. You wish to run a collection of informational meetings in order to build a network of men and women you can reach out to when it is time to begin your work search.There are quite a lot of explanations for why you should receive your resume review. Theres no doubt a good resume can generate enough interest to help you receive an interview. Its possible to follow resume examples to get inspired, but you have to never copy somebody elses work. A good resume willincrease your probability of obtaining a telephone call from a recruiter who would like to screen you for employment. The Resume Help Re view Stories Career Perfect is a great supply of resume advice and seems to have a superb reputation online too. FlexJobs members, have a look at your Special mann an ihrer seite Offers to learn more Unless youre properly trained on the best way to write ATS Resumes, it is essential that you seek the services of a Minneapolis Resume Specialist Service trained in ATS Optimization. To learn more on what it requires to be a Contract Specialist, take a look at our complete Contract Specialist Job Description. The Resume Help Review Game Remember our reviews are completely unbiased. As youre doing the majority of the job yourself here, the quality actually depends upon how well can you write. Ultimately the decision is yours. 1 additional benefit of Monster is that, being international, you can use it in order to locate decent quality resume advice on destinations away from the USA. Type of Resume Help Review You may always reach out to your writer to offer more specifics or r equest information concerning the orders progress. Its possible for you to read other resume help reviews to learn more info about the service and to have more reviews and create your own assessment. The qualified experts have written the very best papers in many distinct areas. The Dos and Donts of Resume Help Review During the procedure, you will work one-on-one with a certified, experienced professional geschiebemergel you have a resume youre pleased with. The procedure is smooth but the outcome isnt professional. Give us an opportunity to demonstrate how enjoyable the resume creation procedure can be, especially when all you need to do is settle back and relax. The practice of producing your resume is fairly simple. Who Else Wants to Learn About Resume Help Review? Offering free resume reviews is one method to locate clients. Its possible to even find totally free services, but you should be sure the quality of your resume will be a lot lower than that of paid ones. O n top of that, our cost of resume writing services is among the lowest on the industry. When you compare various reviews, you will be able to discover the top resume services that fulfill your standards. Details of Resume Help Review Please be sure that you enter relevant contact info. There are many guides that could help you with resume and cover letter writing. Its possible to utilize Resume Help free of charge. Submitting your resume via email can give you valuable info.

What You Need to Know About Resume Writing Tips Engineer and Why

What You Need to Know About Resume Writing Tips Engineer and Why Read the work description to list out the essential keywords you want to improve your resume. Specific applications and programs are often employed as keywords when referring to a technical resume. Resume also need to engineer the formatting simple and simple to read. Specific programs and applications are frequently used as keywords in the event of a technical resume. If youre searching for a steady, high-paying career, then mechanical engineering is a fantastic field for you to think about. Most experts concur that the previous 15 decades of your career are enough. Ultimately, engineers have to contemplate clients and customers too, even if theyre internal ones. Mechanical engineers need to be versed in a wide selection of software and technology to execute effectively. Choosing Resume Writing Tips Engineer Is Simple Opportunely, engineering resumes have an extremely straightforward format. They usually tend to be longer than the required standard. The Hidden Truth About Resume Writing Tips Engineer Even if youre sending your resume to a geschftliches miteinander in the exact segment, the man or woman who will read it for the very first time may not have any technical expertise. There are lots of things you have to think about while creating a winning resume to find industrial engineers post. In the same way, dont write Manage a group of five if youre referring to a job which you held before. Attempt to comprehend the market of the organization you are asking for work, and identify what sort of difficulties they could be going through. The Most Popular Resume Writing Tips Engineer Our 20 templates give you examples for most instances that you might face. With industry-specific text examples ready that you personalize, you may make a perfect resume any moment. If your resume go over that recommended length, there is not any way it is possible to fool anyone by employing a 1 0-point font. Most resumes incorporate the subsequent sections, even though the order is dependent upon the resume format you select. In case the job is advertised, you may simply pick out the requirements for the sttte from the work specification given by the hirer. An effective resume for a fitness expert position is one which provides all the information prospective employers wish to understand. The employer mainly focuses on the particular skills which are required in the businesss project. From your resume, he or she can be able to identify if you are experienced in the field or still an entrant. In terms of technical jargon, do not presume that the employer will understand what you are speaking about. Know the purpose of your resume Some folks write a resume like the use of the document was supposed to land work. The very first point to do before writing a resume is to perform a research to learn the specifics of the job you wish to apply for. What You Should Do Ab out Resume Writing Tips Engineer Beginning in the Next Nine Minutes Websites like Etsy make it possible for you to download professionally designed resume templates all you need to do is add your own info. There are plenty of websites with tips around the internet, but most bring just a small number of them. The Number One Question You Must Ask for Resume Writing Tips Engineer Employers wish to know precisely what you could do and the way youve done it. Networking resumes must be tailored to the position you wish to acquire. Browse some other relevant resumes below resumes locate your inspiration. Networking resumes should demonstrate that you find it possible to summarize the info.

Mortuary Affairs in the U.S. Military

Mortuary Affairs in the U.S. MilitaryMortuary Affairs in the U.S. MilitaryMost, when they think about mortuary affairs, think of it in relation to service members lost in war. The images that come to mind are those of caskets being brought off aircraft to the Charles C. Carson Center for Mortuary Affairs at Dover Air Force Base, where the remains of those that are killed in action are processed and returned home. But Mortuary Affairs does more than simply transport our KIA back home. Mortuary Affairs is for the search, recovery, identification, preparation, and disposition of human remains of persons for whom the Services are responsible by status and executive order (DoD civilians, contractors, and foreign nationals when applicable). The role of the Mortuary Affairs service is legally defined in the Uniform Code of Military Justice, in 10 U.S. Code Chapter 75 Deceased Personnel under Subchapter 1 Death Investigations. A Brief (And Incomplete) History The American Civil War Pri or to the American Civil War, American soldiers were buried near where they fell, with no effort made to return and little effort made to identify the dead the Civil War marked the first time the United States made a concerted effort to identify dead soldiers (General Order No. 33 specified that field commanders were responsible for identification and burial efforts).The Spanish-American War During the Spanish-American War, the United States initiated a policy of returning soldiers killed on foreign soil back to next-of-kin in the United States, becoming the first country in the world to do so. The Graves Registration service welches established shortly after the US entered World War I, and welches disbanded afterward, only to be reactivated at the beginning of World War II. After the end of WWII, Graves Registration was effectively disbanded until again another war. The Korean War The Korean War was a challenge for Graves Registration, with the rugged terrain and difficult lines of communication. At the end of 1950, the concurrent return policy was put into effectrather than burying our fallen in temporary cemeteries for return at a future date after the conclusion of the war, soldiers killed in action were immediately returned to the United States. This policy is still in effect.The 1980s Jumping forward a few decades or so, in the late 1980s, the Central Joint Mortuary Affairs Office (CJMAO) was established. The mission was to provide guidance to the unified commanders on mortuary operations and mass fatality events during peacetime and wartime. The 1990s Jumping another decade to the 1990s, new mortuary doctrine was developed for all the services by the Mortuary Affairs Center, Fort Lee, VA, under the guidance of the Quartermaster General, based on lessons learned from Operation Desert Shield/Storm. In 1997, the Disaster Mortuary Affairs Response Team (DMART) was developed, which combined Mortuary Affairs with forensic personnel to support the combatant commander.The 2000s Then at the end of the millennium, DOD Directive 1300.22, identified the Department of the Army as the Executive Agent for Mortuary Affairs within the Department of Defense, as well as establishing the DoD Casualty Advisory Board (CAB) and a central DoD repository for casualty information (among other items). Mid-2000s In 2008, Army G-4 directed the Army Quartermaster School at Fort Lee, VA, to create a provisional Joint Mortuary Affairs Center (JMAC) to execute the Armys Executive Agent mission. After the Department of the Army approved the JMAC Concept Plan, JMAC was established at Fort Lee under the Quartermaster School, with Army G4 maintaining oversight of the EA mission. End of the history lesson and dont worry, theres no test following.Today JMAC provides world-class Mortuary Affairs training for officer, enlisted, and civilian personnel from all five branches of the armed services, and develops Joint and Army Mortuary Affairs doctrine.Each Service Branc h remains responsible for Mortuary Affairs support, to include tentative ID and disposition of human remains and personal effects (PE), for its own personnel unless otherwise directed by the GCC or mutual support agreements between the Services. In all cases, the direct initial contact with family members of deceased personnel is performed by the parent Service. Recovering From the Battlefield Recovering our fallen from the battlefield can sometimes be difficult. There are four basic kinds of recovery combat, post-combat, area (or theater), and historical recovery.Sometimes its necessary to sift through ashes and vehicle remains for days to find personal identification, such as dog tags or nametapes, or to search fields of battle for unburied dead, hasty, isolated, or unmarked graves.But Mortuary Affairs also cares for our soldiers fallen in less hostile circumstances, both overseas and in the US, such as accidental deaths, or deaths from disease. Army and Marine Corps Curr ently, the Army and the Marine Corps have the only dedicated Mortuary Affairs units (though prior to Operation Iraqi Freedom the Marine Corps did not have a dedicated mortuary affairs unit) and dedicated enlisted jobs (Army 92M - Mortuary Affairs Specialist USMC MOS 0472 Personnel Retrieval and Processing Technician). Air Force and Coast Guard Air Force Mortuary Affairs capability is resident in the force support squadron. For the Coast Guard, during peacetime they provide or arrange Mortuary Affairs support for Coast Guard deceased personnel worldwide through other services or civilian providers, and overseas during joint operations, they rely upon the Geographic Combatant Commander (GCC) for support. Navy For the Navy, at sea fatalities are handled by the ships medical department - on shore, fatalities are handled by the installation medical treatment facility staff.The Navy MortuaryBranch operates from within theNavy Casualty Assistance Division, and Navy Mortuary staff coordinates the Navys Burial-At-Sea program.Navy Morticians (both military Navy NEC HM-8496 Mortician and civilian) are assigned to Navy Casualty with duty locations at BUPERS in Millington, TN, Dover Port Mortuary at Dover AFB, DE and USMC Casualty Branch at Quantico, VA. The Navy is the only service that has enlisted morticians (and at that, only a dozen or so). The other services employ civilian morticians.

Financial infidelity 8 signs you might have a problem

Financial infidelity 8 signs you might have a problemFinancial infidelity 8 signs you might have a problemFinancial infidelityis a major problem in marriages. Today Im landseeing mora and more couples with separate bank accounts and keeping their finances completely separate. There are a few reasons you might want to do this, but most couples should be combining finances.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreFirst, Ill share which couples qualify for keeping finances separate.Reasons for Married Couples to Keep Finances SeparateI wrote acase for keeping separate bank accountson Rockstar Finance last year. In the article, I shared six reasons that couples might want to have individual bank accounts and split the bills.1. You have a blended familyIf youre remarried and have children from a previous marriage, chances are youre responsible for carrying a term life insurance policy in a sp ecified amount with your ex as the beneficiary (for the benefit of your children). This can get tricky when you have more kids with your new spouse splitting beneficiaries. You might want to have separate policies for each.2. Youve been through a nasty divorce (or more than one)Both my husband and I have parents who have collectively been married (and divorced) 15 times. 5 marriages for my mom, 2 marriages for my dad, 3 marriages for his mom, and 5 marriages for his dad. Sometimes, youve just gotta protect yourself in case of financial infidelity or other issues.In this case, I recommend having a joint bank account for bills and keeping separate bank accounts for the rest of your expenses. If youre looking for a great high yield savings account thatll earn you more interest than a local bank, heres my favoritehigh interest savings account3. One spouse is a major spenderIf your spouse has a tendency to empty the bank account every payday, you might want to keep finances separate and offer him or her a weekly allowance or fun money (and no debit card). Why no debit card, you ask? Because emotionally, plastic is easier to swipe and spend than handing over a $50 bill.4. You or your spouse has an addictive personalityDo you keep cash out of your paycheck every week to play slots or buy scratch offs? Are you an alcoholic? What about a recovering alcoholic or addict? Who here likes to shop more than he or she should? By keeping separate bank accounts, youre protecting your bill money. Again, you can still have a joint account where the bills are paid (with no debit cards) and have a separate account for your fun money. But when its gone, its gone. No dipping into the bill account for your bad habits5. Youve received an inheritance or are a self-made millionaireA prenup is always a good idea when you are entering a marriage with a good amount of money. You might want to consider having separate finances if this is the case. Ive seen too many couples where one spouse e mptied the bank accounts and opened new accounts before filing for divorce with no recourse. Joint accounts are joint ownership. This means that all parties technically own the money in the account. Consult an attorney if you have questions.6. You have any reason not to trust your spouseInfidelity comes in several different forms. If your spouse is a cheater by nature, keep your finances separate. Youve got toprotect yourself financially in case of a divorce.You canopen a high-yield savings accountwith $100 to start. Out of sight, out of mindNow that weve discussed why you might want to keep your finances separate, lets address the issue of hiding money from your spouse in marriage.8 signs of financial infidelity1. You dont know how much your spouse really earnsYou think you know how much your spouse makes? Do you see his or her paycheck stub? Do they communicate with you about raises and bonuses? Do you know the exact amount of net income each pay period? What about how much theyre contributing to retirement? These are all important questions to ask. If you cant answer these, its time to sit down with your spouse.2. He keeps a large portion out of his paychecks and you have no idea where it goesMy ex-husband used to do this. Hed take his paycheck to the bank every week and keep a large portion (were talking hundreds) out for himself. He ate fast food, drank a lot of beer, and smoked a lot of cigarettes. Notice I said this was myex-husband. Financial infidelity can destroy marriages.3. Youve recently found a leistungspunkt card statement for an account you didnt know existedDoes your spouse have credit cards that you dont know about? Why so secretive with the purchases? Many cheating spouses open additional credit cards so that they can hide money spent on the other woman (or man).4. Money has gone missingIf youve noticed money missing from your savings accounts (or checking account), your spouse might be unfaithfully hiding something from you. Take inventory of your accountsat leastonce a month. Make sure everything is accounted for, and if its not, address it immediately. Communication is key.5. Youve been removed from joint credit card accountsCredit cards give the option of adding authorized signers. If youve been alerted that you recently closed an account or your credit utilization ratio increased, your spouse may have dropped you. You can get a copy of your credit report from Experian or Transunion. You can get all three for free once per year atannualcreditreport.com.6. You remove tags from clothing to make it look like its always been in the closetHave you ever done this? Be honest If youre removing tags from clothing so you dont get caught, yourecommitting financial infidelity.Its okay to treat yourself once in awhile, but when you start having to hide it, youve got deeper issues.7. Your spouse gets deckung when you bring up moneyDo the walls go up when you start asking questions about money? When you bring up specific purchase s, does he try to change the subject or make jokes? These are major red flags8. You cant have the passwords to his computer, let alone his online bankingListen, when you got married, you gaveallof yourself to another person. That means you each get unrestricted access (at least visibly) to the bank accounts. If you dont have this ability, its time for a come to Jesus meeting.Financial infidelity in marriageis a scary topic. No one wants to face the fact that their spouse could be lying by omission, spending on things he or she shouldnt, and keeping secrets. But if you see signs above and are wondering if there are things you dont know about your financial situation, sit down with your spouse and talk about it. Heres howTalking about money with a defensive spouseIf money talks always end in fights, theres a gentle way to ease into the conversation. Start out by saying, Honey, I am so tired of being broke all the time. And I know you must be, too. Maybe we should sit down together and combine forces to see where we really stand so we can tackle this thing head-onBy coming from a collaborative standpoint instead of an accusatory one, your spouse is likely to be more receptive to talk. He may be itching to come clean about some of the issues that have been plaguing him.Money and marriage next stepsMoney used to be a taboo subject. So many people didnt discuss money, income, finances, etc and now a simple google search for income reports yields actual income earned. When you decide to have your first money and marriage meeting, discuss the followingBring paycheck stubs. You show me yours and Ill show you mineBring all the bills and expenses to the table. Nothing goes unnoticedBring bank statements and a highlighter. Highlight fast food and convenience store purchases. How much money is each of you throwing away every week?List debts owed, smallest balance to largest and make a plan topay it all offusing thedebt snowball or debt avalanche method.Remember your vows. Honor one another and the promise you made to care for one another, til death do we part.This article first appeared on Melissablevins.com .You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people

11 Science-Backed Ways to Help Yourself Wake Up Early [Infographic]

11 Science-Backed Ways to Help Yourself Wake Up Early Infographic 11 Science-Backed Ways to Help Yourself Wake Up Early Infographic I am not a morning person, and while I think Im pretty good at my job, Id probably better at it if I were.Biologist Christoph Randler, who has studied theeffects of being a morning person, says those who are most energetic in the morning are better positioned for career success.When it comes to geschftliches miteinander success, morning people hold the important cards, Randler told Harvard Business Review in 2010. My earlier research showed that they tend to get better grades in school, which get them into better colleges, which then lead to better job opportunities. Morning people also anticipate problems and try to minimize them, my survey showed. Theyre proactive. A number of studies have linked this trait, proactivity, with better job performance, greater career success, and higher wages.I dont know about you, but that sure makes me want to become a morning person which is why I likethis new infographic from online lender CashNetUSA. It outlines a few of the psychological and business benefits of being an early riser and offers 11 science-backed ways to teach yourself to love mornings a little more. Check it out below