Though the idea of a resume is far from new, many still cringe at the thought of writing one, let-alone sending it out to be judged by potential employers. Anxiety is no excuse, however, for a poorly written resume, and neither is claiming a lack of knowledge. Here, we will answer the questions that plague future resume writers so they can best present their abilities.

One: do I really need a resume?

Answer: Yes! This cannot be stressed enough; most employers will laugh you out of the office if you show up to an interview without a resume. You’re fired before you even have a chance to plead your skills. A resume is essential.

Two: how do I start my resume?

Answer: the first step is to choose a format that works for you:

Chronological
Functional

Find examples of these and see which best suits your abilities and experience. Then, you’ll need to decide what to put in that format. Your resume should be limited to no more than two pages so every word must count.

Three: what do I need in a resume?

Answer: depending on what format you select, a resume can display your education, your past employments or skills that are related to the position you want. The key is to select the highlights of your life. Do not focus on failures or periods of unemployment. Instead, find what you did best. Impress, but be sure not to lie.

Four: how do I format my resume?

Answer: Do not assume that using creative fonts and bright colors will endear you to employers; it won’t. This is business, not party invitations, and a resume should be formatted accordingly:

The font should never be smaller than 10 and you should use basic ones (Times New Roman, Arial, etc.) to make sure that they can be read. Do not choose a “fun” font.

The resume should never be longer than two pages. One is ideal but, sometimes, impossible. Your word choice should be concise but, if you cannot fit your best experiences onto one page, move onto the second.

Use white space. The worst thing you can do is have paragraph after paragraph. A resume should be an outline of your life, not a novella. Do not press your skills and education together, without using proper spacing and line breaks. White space, the blank areas in between sections, is easier on the eye and offer relief for long details.

Follow grammar rules. A resume should never be considered casual; do not write this as you would an email to your best friend. Use proper grammar and punctuation.

With these questions answered, you can better understand what it means to write a resume.

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Acts 2:20-21
The sun will be turned darkness and the moon to blood before the coming of the great and glorious day of the Lord.
And everyone who calls on the name of the Lord will be saved.

I’ve been thinking a lot about the end of the world lately. Not the normal doomsday variety, I’m not pre-trib, post-trib or anything complicated. I heard someone once say, we’ll all get it straight on the way up and that philosophy works fine with me. I’ve been thinking more about ‘Am I ready’. Kind of like the packing check list before a big trip. I know I’m saved so I can cross that one off the list but I’m starting to think that there is more preparation necessary.

I guess it really struck me the other day when my son called me to see the pretty sunset. I was busy, doing something important I’m sure. By the time I made it outside, it was gone. I sat there for a while playing the what-if game. What if the sun didn’t rise tomorrow? What if that was the last sunset I ever had the opportunity to see? Okay, maybe that does seem a bit doomsday but the truth is, that for many people that day it was the last. Of all the promises God has made us, tomorrow isn’t one of them.

My husband works with 345 kilovolts of electricity every day. My children are in public schools. I have four close family relatives with heart disease. I have a sister with MS, a sister with depression and a 20-year old sister that drives in Austin. Am I ready spiritually for the sun to set on these relationships? Did I do all I could to show them my love? Christ’s love? The eternal love of God?

It’s a knuckle-brained world out there and the truth is, I’m not ready. There is so much more to do, so much more to say than just good-bye. Thankfully, for me the sun did rise the next day. God gave me another opportunity and I will be eternally grateful for that. Maybe I didn’t get as much laundry done, or finish the rest of that all-important to-do list but it just didn’t seem so important anymore. I lost one sunset; I don’t intend to lose another.

Galatians 6:10
Therefore, as we have opportunity let us do good to all people,
especially to those who belong to the family of believers.

© 2005 www.SecretAngels.Org
All works submitted under this copyright may be freely distributed to honor and glorify God.

Before taking out a mortgage, it is important to consider your financial situation and research the many options in the market. Competitive rates are increasing with the number of people seeking loans, so you may need the help of a mortgage broker to inform you of the best deals around.

To start with, you must calculate how much can you repay. The standard rule is that your annual repayment of the mortgage should not be more than 27 per cent of your gross income. You can also set aside around 2 per cent of your gross income to account for unexpected costs. This means that you must be able to repay the loan under any circumstances, without exception.

If you have good credit together with a regular job, you can be eligible for a loan with a down payment of little as four percent. Further, if you are married and your spouse is also employed, things may get even easier for you. However, if you are a single parent, you may find it tough to secure a loan.

If you have bad credit though, you need not worry. You can get a loan insured by the Federal Housing Authority, where the eligibility criterion is quite inclusive and the interest rates charged are often less than a quarter of a point higher than those in the conventional market.

In a market where there are thousands of schemes and even more rates, it becomes difficult to make a decision which to choose. This should not worry the inquisitive and research-oriented customer though, who can study the market and decide what’s best. However, for those who are not able to, the neighborhood broker can provide this service for a reasonable fee. He will guide you through the plethora of schemes and help you to make a sound decision by understanding your needs and financial constraints.

For those who cannot pay a large down payment, private mortgage insurance seems to be needed. Well, not any more, as some lenders have now merged the insurance premium into your monthly premiums. This helps as the amount then becomes tax deductible.

If you have taken out a fixed loan and find that the interest rates have dropped after some years, you can go for refinancing. However, if you are not able to negotiate for a reduced refinancing option, you may end up paying almost as much as you did the first time.

Good luck researching and financing your first mortgage loan!

First Mortgage provides detailed information about first mortgage, first mortgage loans, first mortgage options, first mortgage rates and more. First Mortgage is the sister site of Home Owners Insurance Policies.