By Nancy Opiela, Monster Contributing Writer
If you’re among the millions of people who have lost their jobs since the recession started in December 2007, you’re facing some daunting financial questions. One may be: What should I do with my 401k?
While raiding your 401k to pad your bank account during your time of transition may seem appealing, doing so could sabotage your chances of a financially secure retirement. Generally, if you tap your 401k account before age 59½, you’re subject both to ordinary income taxes and a 10 percent early withdrawal penalty. However, if you lose your job and are 55 or older, most plans allow you to access your funds without an early withdrawal penalty, but you’ll still owe taxes and forfeit what could be decades more of tax-deferred growth.
Check with your 401k plan administrator to determine how to keep your retirement nest egg intact. Generally, you have three choices, each with pros and cons: You can leave your 401k plan with your former employer, roll over your account into an individual retirement account (IRA) or transfer your old 401k into a new company’s plan.
Option 1: Leave Your 401k
This article offers general information on legal and financial matters relating to employment. For specific information relating to your situation, please consult an attorney, financial planner or appropriate government agency.
Now that you’ve lost your job, you need to hurry up and find a new one, right? Wrong. You’ve got to buck up and tie up loose ends with your ex-employer in order to secure your finances and insure your health. Add these items to your to-do list for your first week out of work.
Salary and Accrued Vacation Time
Hopefully, as you walked out the door with that box full of personal possessions, your boss slipped a check in your pocket that covered your salary through the last day, pay for unused vacation and so on. But what can you do if your former employer can’t — or won’t — pay you in full?
First, be sure you and your ex are on the same page regarding what you are owed. Contact the human resources director and synchronize your records. Then call your state labor board and make sure you understand what the law mandates.
It’s hard enough to job hunt in a thriving economy, but now, even the heartiest job seeker may be inclined to roll over and catch a few more z’s rather than hit the streets.
Don’t quit looking before you start. Job hunting requires you to pull out all the stops and take the basics to a new level. You truly have to work it.
Ironically, the challenge of a tighter job market may work for many job seekers by forcing them to think of new approaches. It all boils down to attitude, stresses executive recruiter Diane Barowsky, president of Barowsky Search Partners Ltd. in Olympia Fields, Illinois. “We underestimate the importance of that positive attitude, but that’s what gets you through the day,” she says.
Gain confidence by asking yourself, “What do I have to lose?”
“It’s easier to take a risk and call that intimidating contact when you feel [this way],” says Barowsky. “On the flip side, when things are going well, you don’t need to do anything to keep your job going.”
Barowsky also offers the following job search advice:
Expand Your Search
If you’re a general administrative
Choosing a Dental Assisting Career Professions in the medical field are not like other jobs that only come in seasons, as medical jobs are very important in all places to attend to the growing health and medical needs of all humans all over the world regardless of age. The field of medicine, however, is very challenging and intricate, requiring its workers to be knowledgeable and skilled enough to handle its many daunting tasks every day that involves maintain and salvaging lives, meaning there can never be any room for mistakes as it can be at the cost of the patient’s life. Because of this, medical professions require years of rigorous studies and training, including certification exams to obtain a professional license to practice. For those seeking to be employed as an assistant in the medical field, they also need to have medical knowledge to understand medical jargons and procedures so they can render an efficient service for medical professionals that need their assistance. For aspiring dental assistants, depending on the degree they are taking, their educational course may take up to two years of studies in dental assistant schools or other technical schools, before qualifying for a
Responsibilities Of A Dental Assistant Dental Assistant career has a reputation of being skillful in doing different jobs. To give you an idea of how they work, you will be assisting a hygienist or the dentist while they do their job. And that is not all about assisting there are other factors that your responsibilities will highly depend on you. Among your responsibilities includes, conduct and set up operations, level of the dental facility and the regulation of the state where you are working are among your responsibilities. The main job of being a dental assistant is to master the sterilization technique and set up the instrument and table. After sterilizing the instrument, you also have to make sure that you have sterilized the instrument trays. Sterilization of the dental equipment is very important as it is part of the quality service that the clinic is providing to its patients.
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Depending on the dental procedure that is performed on the patient, the specific tools must be properly set up in the instrument tray. The dental assistant must also gather all the equipment and materials together and bring them on
How to Find a Good Dental Assistant School A dental assistant is a good career, but you need to have some training first. Getting a nice career as a dental assistant is to get training from a dental assistant school. Today, you can’t just be a dental assistant right away. It is key to know first the basics. You need not to become a full-fledged dentist. Building your skills and competency, you can become a great dental assistant. The key here is knowing which school to choose to jumpstart your career. When choosing a school, you need to find the school’s accreditation. Find a school among those approved and accredited. The American Dental Association’s Commission on Dental Accreditation is the one handling the accreditation of schools that offer courses to become dental assistants. Once you find a school you will be able to earn a certificate for dental assistants. It is a certificate granted by the Dental Assisting National Board. It is given to students who graduated from accredited schools by the ADA. It is important to have this certification as most employers prefer people with training. They know certified workers are skilled and able
Career In Dental Assisting And Its Many Rewards One of the many good things in relation to a dental assistant career is you are going to experience a broad array of duties. And given that you will have various different chores, then of course, you will rarely feel uninterested or bored with your work. Apart from that, you will have the opportunity of spending lots of time with a certified dentist and working under his or her supervision and this is going to be very advantageous in your part if you are planning to advance your career. If you are going to be a dental assistant, you are the one who will set up and also sterilize the equipment, you will organize the clinic, you will prepare the patient, and also, you will be the one who will take the X-rays. Also, you are the one who will take molds of the teeth of your patients, apply topical anesthesia to them before they are given shots by the dentist, and also remove the stitches in their mouth. You will study all these essential skills throughout your training at your chosen dental assistant school. There are
The Basics on Dental Assisting Careers There is a lot of people out there interested in a dental assisting career and for that reason it is important that you can take into consideration some different types of factors and aspects when it comes down to getting this kind of career. Dental assistants do a lot of different kinds of things such as providing support for laboratory jobs, making sure the patients get the best care, they work in the office, and they also provide care to the patients as well. There is a lot of aspects and considerations that you should think about when it comes down to getting a dental assistant career such as ensuring you can go to a proper school. There is several things that you will have to learn when you are in school such as anesthetics, instrument sterilization, dental procedures, and also X-rays as well which are all very important consideration. Also as a dental assistant you may be working in the office a lot as well where you will need to handle all of the paperwork, billing, collection of payment, and you will also need to consider dental records as well.
Discover What Insurance Sales Job May Work Best For You With so many insurance options available these days, trying to determine which insurance job may be the best option can be overwhelming for some. For sure, car insurance and life insurance is something that’s known to many. Just open the yellow pages and you will be able to find plethora of agents who are selling such policies. If you’re considering to have a career in insurance industry, it is suggested that you look at some options available. Believe it or not, the quickest growing part of insurance industry is voluntary benefits segment. And similar to other segments of the insurance industry and the economy as a whole declines or stays steady, voluntary benefits just keep on growing at double rates. Most of the time, voluntary benefits are sold through the employers in which the employer agreed to offer such insurance option to employees at no cost to them. What’s next is, the VB providers are going to make a presentation to employees to know what insurance policies they wish to buy through payroll deduction. Some good common examples of VB products are short term disability, limited medical,
How Drug Testing Improves a Business’ Standards and Qualities When it comes to drug testing, a number of companies have found it ideal and beneficial to their cause because this carries with it a security to increase business performance. Technically speaking, drug testing has benefited a number of companies over the years and it has also been found that once a company includes drug testing on a regular basis, an increase in company production will definitely be achieved. The act of incorporating drug testing into your company’s regular checks assures you a number of benefits, which, in this article, will be discussed as well to provide you with a heads up on the most important things to note and what not. The first thing that companies and business will benefit from drug testing is the assurance that possible accidents in the workplace will be reduced greatly because it has been found that those who are under the influence of drug and alcohol at work tends to increase the risk of workplace accidents. On the other hand, in other industries where travel is the main key role, road traffic accidents will greatly increase in a large scale if
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A Higher Education in India India’s education system is an old concept that is innately built by the nation itself. Today, India has been modernized and it has shocked the world with its uprising development of its educational system. If you compare India couple of years ago, literate people are now literally higher thus making the economy higher and gaining impressively too. The current India’s educational system will make you wonder how great the transition of their educational system., from Gurukul, to the oldest of Vedas, Ayurveda, yoga and Arthasahtra. In order to have a better understanding of the India’s development, one should study the evolution of its educational system.
A Simple Plan For Investigating Resources
The recent statistics had shown that the basic education has reached the mark of an approximate of the two thirds of the country’s population.
A Simple Plan: Opportunities
With India’s number of residents, only 20% goes to school while the 40% is illiterate. The Indian government mad a law to resolve the problem between castes and gender, they ruled out that every child aging from 6 to 14 years must enroll to the basic education. 65.38% is
Advantages of Getting Jobs in the Indian Government A government job does not only offer a fixed incentives and other monetary perks, it also offers a flexible working environment. If you are the kind of person who prefers a less stressful work environment with guaranteed career development, you might want to consider working for the government sector. Although jobs in the government are fewer compared to jobs in private companies and industries, the competition for job seekers is quite intense. Presented in this article are some of the benefits of working for the Indian government. Security of Tenure
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One of the most important benefits of being a government employee is job stability. Because of the frequent economic turmoil that the world is experiencing today, layoffs have become a common event in the private sector. Layoffs are a rare occurrence for government employees, regardless of the state of the country’s economy.
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Remuneration Structure For entry level positions, state government jobs pay the best salaries. In addition to this, although private companies statistically pay higher salaries compared to the government, the determination of
Advantages Of Indian Government Jobs Ever since Information Technology boomed in India IT company popularity have been known all throughout the country the graduates have been on the brush to apply for these private companies. It was not until a few years came to pass that the employees of these private firms realized that they are being exploited by their employers in these private firms. This made Indian government jobs regained the respect that they have lost on those private IT firms during the IT explosion that happened. A lot of job site and the latest pay commission have been launched by the Indian government so that the government employees will have a more stable job that can provide improved lifestyle to them and their family. This has provided a sense of flexibility and employee friendly environment on the government jobs of the country. Indian citizens of all ages being a student or an adult I’m starting to look for Indian government jobs such as trying to get IBPS Jobs. Having a state job provides incomparable benefits to those who are having private firm jobs as state jobs have flexible rules and will provide a more secure
Pointers for Job Hunters in Italy
Are you thinking of working in Italy? Let’s give you a glimpse of what’s there to expect in that part of the globe!
Tips for Job Hunters
English-teaching jobs are very popular for foreigners in Italy, but if you would like to explore other fields, here are some pointers to guide you:
> Try to sound confident in yourself and the skills you have to offer.
> Have your CV translated to Italian. If you do not know that much Italian, it would be worth the expense to hire a professional translator.
> Be truthful about your Italian language skills as you will surely be tested by potential employers at the interview.
> Check out local and regional newspaper job listings and visit companies personally. People typically recall faces more than they remember names. Being able to make a personal impression on potential employers can offer you benefits in the long run.
> As well, ensure that all your university degrees and certificates have been properly translated to Italian. This will demonstrate your willingness to blend in with the Italian culture, as well as your sincere desire to land work.
> Majority of
India’s Job Opportunity For Fresh Graduates It has been very evident that India is the most developing country in the whole word. Certain countries like the United States and some European countries have seen this dramatic growth and they are now more than willing to put their investment in the country. The difficulty for fresh graduates to land a job in India will not be difficult due to the booming economy. In India, landing a job will not be difficult as long as you are career focused, well-educated with good learning capability within and outside your field of interest. Many people during the past have only considered the government as the only way to land a good job in India. The good jobs nowadays are not only available in the government but also on the private sectors as well. A lot of parents in India nowadays are not curtailing their children in picking the private sector as their chosen career path. Due to the massive openings and endless job opportunities coupled with good salary, the mindset of the critical mass has changed over private employment. The BPO industry has been the go to employment f
Why Getting a Makeover is a Fun Experience Makeovers are appreciated by a lot of people. Maybe, there will come a day when you have to make changes to your appearance. These changes may let you gain more confidence and allow you to feel good about yourself. There are several ways to change your appearance but oftentimes, it only involves minor alterations. It is up to you if you want to do something major or you will opt for minor changes such as a change of clothes, makeup and/or accessories. But in most cases, getting a new hairstyle is enough for a change. Perhaps, you may have to alter your habits as well as your lifestyle, too. If you decide to change your hairstyle, there are several factors to consider. You cannot simply walk into the salon with photos of your preferred hairstyle. Being aware and familiar with your face shape and hair texture, are two important things to make a change of hairstyle possible. You may want to reconsider looking into your lifestyle. Among other considerations, choosing the right hairstylist is important. This is one way for you to avoid getting the wrong haircut.
Finding the Best Indian Government Jobs It is worth noting that whenever any person has passed through the education system all the way to the end, it is their desire to get a great job that will reward all the efforts that thy put in school, whereas this is also a great opportunity for a person to earn some income and be able to support their parents as well as other guardians who put their best foot forward in ensuring that they attain the best quality education. It is quite agreeable that the process of finding a great job can be frustrating for many people, simply because they may not get their dream job in a timely manner, generating a lot of frustration to a once ambitious person, in addition to which a person may be getting the jobs that do not make them happy. On a brighter note, it is quite fortunate for the people of India because their government is one of the best employers with numerous jobs being posted online for qualified people to apply, whereas any person who is educated sufficiently to qualify for the jobs advertised for will be guaranteed
Kenyan Jobs: Tips on Online Writing There are actually awesome writing jobs in Kenya that you can try out so make sure to take advantage of all your options. People are able to find the best solutions for their problems when they take advantage of what technology has to offer them as well. There is really no such thing as a job that is perfect, but there is, however, a job that is ideal. It would be so easy for you to get Kenyan jobs when you know how to write well and in the best possible way. You will surely be able to get an online writing job when you are creative with the way you approach things. You have to be a creative writer in order to ensure that your work is something people will actually read; boost your imagination in the best possible way. The readers online will flock to your article if you make it interesting enough for them to read. You will be surprised how tiny details in the output affect the number of readers that you have. When you consider these guidelines then you will surely become an excellent
Truck Driving Schools: To Help Kick Start Your Career
This is one of the most demanding jobs in the world and there are more and more young drivers interested in it and the truck driving schools are coping with this number. If you will be enrolling in a truck driving school then this will simply mean that you have decided that this is the profession that you want. You are for sure confused with the number of truck driving schools that you can choose from and furthermore, they offer various prices and programs that makes it all the more confusing. The truck driving schools are quite expensive which means that if you are not employed then paying your tuition might be difficult.
The first thing that you need to do when you are looking for a truck driving school is that a school should be located near you. As soon as you are able to accomplish that, you should be able to know what options they have, their courses and how accredited they are. It is also highly recommended that you will check out the truck driving schools that are being run by the local colleges. The price
Understanding the Types of Drug Testing That Should Benefit the Company When you are to apply for a work or in the even that you already have a company, then the need to undergo drug testing is vital to ensure the safety of everyone else in the company as well as reduce the possibilities of development of drug abuse within the company premise. When it comes to talking about the number of greatness that one establishment will get from securing drug testing within the employees in the company, a number of positive things should follow, which should include satisfaction at work, increasing productivity, increasing loyalty, more focused, increase employee satisfaction, develop work culture and provide integrity and a more developed professionalism. In this article, we will be discussing the types of drug testing that you should know about so you will be guided accordingly with what to look up to as long as drug testing is concerned. There will definitely be a number of these that we will have to tackle but to make it easier, we will be discussing the main ones and the common types of drug testing that you should know about to give
Tips on How to Get a Good Pilot Job There is a great need for airplane pilot nowadays that is why there are many of them that you can choose. For airplane pilot you can choose between pilot one or pilot two and for helicopter pilot you can choose among forest firefighting, search and rescue, bush pilot operation, and aerial surveys pilot. Luckily, in the recent study, there is a steady rise on the demand for pilot and due to this there are many jobs hiring for pilot and its expanding industry brought many to study to be a pilot someday. There are few suggestions that is included in this article that will help you get a good pilot job and get a pilot seat not so long from now. Being the best is one of the tips you need to bear in mind. To start, you need to have a good training on becoming a pilot so that you will really have the great chance to be the best pilot. The golden opportunity you have is the training since this will able you to come out to be the best as your skills is gauged here.
How to Nail that Job in Kenya It’s common knowledge that Kenyan job-hunting isn’t easy. But if you come to think of it, what’s is anyway? Everywhere in the world, there is greater competition for everything, and Kenyan jobs aren’t an exception. However, if you keep a few useful tips in mind, establishing a career in this South African gem is always possible. 1. Open-mindedness goes a long way. Like all other job markets in the world, Kenya’s is always changing. New technologies and new market needs have led employers to new requirements when hiring people. If you want to increase your chances of getting hired, you should embrace this fact instead of keeping to traditional job-seeking methods. In those days, all you had to do was send a simple resume and pass one or two interviews. Nowadays, employers tend to look for more impressive CV’s and cover letters, along with more qualifications. Moreover, applicants may have to attend more than two interviews for a single job.
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2. Widen your search.
Finding Ways To Keep Up With Opportunities
By exploring different avenues, you can gain