Sozzled Columbia MBA Beat on Random Woman

Sozzled Columbia MBA Beat on Random WomanSozzled Columbia MBA Beat on Random WomanAsh Sinha, the Columbia Business School student and son of an Indian diplomat who in a crapulent rage kicked, punched and bit a random woman outside the schools main campus gates, is one lucky lady beater. Prosecutors are holding off on indicting the 28 year old arraigned on felony and misdemeanor assault charges via video hookup from the psychiatric ward at Bellevue Hospital. A plea deal is expected with Sinha trying to avoid a criminal record.Around midnight on April 2 or 3, court papers say that Sinha drunkenly beat the random pedestrian in front of a crowd of some 20 onlookers, a group of whom pulled Sinha off the victim. He welches detained by public safety until the police arrived. One of the officers was kicked in the face as Sinha was being put into an ambulance.The Columbia Spectator notes A Facebook profile shows that Sinha, from New Delhi, India, previously attended the University of Illinois at Urbana-Champaign where he studied finance, statistics and computer science.NY PostDaily NewsColumbia Spectator

Diversity in Global Educational Exchange

Diversity in Global Educational Exchange Diversity in Global Educational Exchange Most colleges and universities today recognize the value of diversity, both in the academic environment and also as it carries over to the workplace. Academic diversity programs are geared towards incorporating varying intellectual, ethnic, cultural, and social elements to the student environment, encouraging different voices, thoughts, ideas, and opinions while keeping students and teachers connected to the real world. Many initiatives have expanded geographically to include grenzberschreitend student exchanges, providing students with a global view of diversity and an enriching cultural experience abroad.However, even with these initiatives to encourage participation in grenzberschreitend programs, the opportunity is still out of reach for some minority students. A study conducted by the Institute of International Education (IIE), entitled Increasing Diversity in International Careers Economic Challen ges and Solutions, found Although an unprecedented 3.7 million students around the world currently cross international borders to obtain a higher education and an international experience, participation by American minority students in international education opportunities and in international careers has not witnessed a similar growth.Andrew Gordon, founder of Diversity Abroad, an organization that connects diverse students and young professionals with meaningful international opportunities, agrees with the IIE study. Ethnic and minority students and those with high financial needs arent participating in international programs in proportionate numbers, says Gordon. All students should have an opportunity to participate in education abroad programs, so the playing field will be mora level upon graduation.There are programs dedicated to helping minority students participate in international educational programs.International InitiativesThere are several national organizations, as we ll as specific programs in colleges and universities, dedicated to helping minority students participate in International educational programs.Gordon founded Diversity Abroad and the Diversity Abroad Network in 2006 to ensure that students from diverse economic, educational, ethnic and social backgrounds are aware, have equal access and take advantage of the benefits and opportunities afforded through global education exchanges.Students who study abroad gain academic, career, and personal benefits, says Gordon. Students learn skills that cant be taught in a classroom. They are thrust into an environment where they are different, the language is different, and the way people view them are different and they must learn to adapt to these challenges. Addressing these challenges helps students mature as individuals and derive a great deal of self-confidence, two traits that are very important to potential employers.The Office of Diversity, Equity, and Global Initiatives (DEGI) at the Ass ociation of American Colleges and Universities (AACU) sees diversity and global knowledge as essential elements of any effort to foster civic engagement among todays college students. To support those goals, the office helps colleges and universities to establish diversity as a comprehensive institutional commitment and educational priority.Building ConnectionsThe IIE has made it a priority to expand opportunities for diverse American students and undergraduates in financial need to study abroad. The Benjamin A. Gilman International Scholarship Program, funded by the U.S. Department of State and administered by IIE, has awarded more than 10,000 scholarships since its inception in 2001. The Gilman Program seeks to diversify the types of students that study abroad and the regions where they go. The program aims to reach students with high financial need, students studying in non-traditional countries, those from diverse ethnic backgrounds, first-generation college students, students f rom underrepresented institutions, students majoring in the science, technology, engineering, mathematics (STEM) fields, and students with disabilities.Over 2,300 scholarships of up to $5,000 will be awarded this academic year for U.S. citizen undergraduates to study abroad. Award amounts will vary depending on the length of study and student need with the average award being approximately $4,000.According to IIE President Allan Goodman, International education is one of the best tools for developing mutual understanding and building connections between people from different countries. It is critical to the success of American diplomacy and business, and the lasting ties that Americans make during their international studies are important to our country in times of conflict as well as times of peace.Tom Ricci is the owner of Ricci Communications.Ethnic and minority students and those with high financial needs arent participating in international programs in proportionate numbers.And rew Gordon, founder of Diversity Abroad

How to Encourage Employee Attendance at Work

How to Encourage Employee Attendance at WorkHow to Encourage Employee Attendance at WorkAttendance is critical in many customer-facing jobs. Poor attendance saps the morale of employees, costs employers overtime expenses and reduces employee engagement. Poor attendance takes supervisory time and attention and often results in disciplinary action. You can manage employee attendance to reduce attendance problems. You do need to take it on as an important component of any management or supervisory job. Heres how to manage and encourage attendance. Use these five steps to encourage employee attendance at work. Steps to Encourage Employee Attendance First, you must have a way to track the time people take off from work so that the integrity of your Paid Time Off (PTO) policy, your sick leave policy, and/or your paid vacation policy is ensured. This also ensures that the time-off-rules are the same for every employee which is important for the sense of workplace fairness and justice. W hen employees are managed across departments, you need to ensure that what John experiences in the warehouse is the same policy that Mary experiences in the office. Employees notice when employees are treated differently and this disparate treatment creates problems with motivation and engagement. This is especially important to manage unscheduled absences for which many workplaces have trouble with work coverage. Encouraging employee attendance is important for any customer-facing workstation. Attendance is also critical when one employees work is dependent on the work of the prior employee in jobs such as manufacturing or assembling products. Teachers, customer support specialists, technical support providers, health care professionals, and other direct service employees are examples of employees who have workstations that employees must staff on a daily basis. Otherwise, employers are at a loss to schedule and find staff replacements to do their work. This attendance includes tim ely arrival at their workstation as well. For example, if a nurse is late for work in the intensive care unit, the nurse from the prior shift cannot leave to go home for a well-deserved rest. If an employee is expected to staff a middle station on an assembly line, either one employee has to work at two stations which is inconvenient and can even endanger the employee or the employer has to find a replacement. You Must Commit to Managing Absenteeism Second, and probably fruchtwein importantly, you need to manage absenteeism and encourage employee attendance. This means that the employee needs to call in directly to the supervisor who is trained to manage absenteeism. This starts with the personal call and the supervisor telling the employee that he or she will be missed and describing the impact of their absence on the workplace. Each absence ends with the supervisor personally welcoming the employee back to work, encouraging employee attendance in the future, and once again, em phasizing the impact of the employees absence on the workplace and their coworkers. You are not holding this conversation in a blaming tone of voice- after all, many employee absences are legitimate and necessary- you are genuinely welcoming the employee back to work and reinforcing the impact of unscheduled absence. Your conversation should, once again, describe the impact that the absence had on the employees and the workplace. Enable Workplace Flexibility Whenever Possible Third, if possible, allow flexibility with schedules in your workplace so that an employee with an early doctors appointment or a sick child, as examples, can work later or come earlier to make up the time. Women, unfortunately, according to the U.S. Department of Labor figures, experience more attendance problems related to family matters. Especially single moms, who have no safety net of family or a partner to help with child-care related issues, struggle with attendance, in my experience. So, this workpl ace flexibility might also include the ability to share jobs, schedule flexible days or hours, and work from home, or telecommute, under guidelines. Some think that compensatory or comp time encourages a clock-watching attitude. This may not be in keeping with the mindset of accomplishing the whole job and goals that you look for in an exempt or salaried employee. But, exempt jobs are also the jobs that will most frequently allow flexibility for the employee and the employer. Rewards and Recognition for Employees Fourth, rewards and recognition for positive employee attendance can make a difference. While you dont want people feeling as if their employer must pay them extra for doing their job, you do want them to know that you appreciate and respect their positive attendance. In some cases, especially with non-exempt employees, and to reduce unscheduled absences, you may want to build actual monetary rewards into your employee attendance policy. These policies emphasize rewardi ng attendance over a certain number of days. You do, with the employee recognition portion of your attendance policy, want to emphasize the days of attendance, not the act of lowering absences. Too many attendance policies focus on the punishment side of the equation. More emphasis on rewards for positive attendance might give you more bang for your bucks. Nevertheless, a successful, motivational attendance policy must focus on both. Provide Consequences Finally, as with any employment responsibility, an employee must experience consequences if the employee is failing in his or her work attendance. To whom are the consequences the most important? To all of the employees who have good attendance, work hard, and find their personal morale and motivation affected by people who have poor attendance.Progressive discipline is critical, starting with coaching and feedback, and performing the steps in attendance management listed above. Your attending employees will thank you.

Create something you deeply care about (even if it sucks)

Create something you deeply care about (even if it sucks)Create something you deeply care about (even if it sucks)The world thrives on progress.

The Secret to Resume Section Titles

The Secret to Resume Section Titles The Downside Risk of Resume Section Titles Titles of sections may also be modified to spell out the info presented more accurately. As soon as its very important to your resume to incorporate a very clear career goal, you dont need to convey it through an Objective section. You might category your experience section is among the how important your of a resume. You may even stick sections near your name. If you would like to easily add and manage lines and borders, below are some actions you may take. In earlier times you could simply employ critical essential words (and lots of articles were written with the target of advising you on how best to do this) at various points in your resume in order to draw attention and be recognized as a possible star hire worth interviewing. Thus, add some extra undergrad resume sections. Dont add resume categories in the event you cant list at the very least a few things in every single section. Therefor e, if youd like, you can distribution policy the Skills section over the Work Experience section. You may either use it like a single page site or multi-page website. Templates complicate the approach. Review the link if necessary. Want to Know More About Resume Section Titles? Be sure your facts are straight. If youre searching for your very first job since leaving an educational institution, information about your education ought to be at the very top of your resume. A resume writer might or might not have a profound comprehension of the company analysis profession. Speak to successful men and women in your field or department, and ask if anyone is prepared to share a complimentary nursing dissertation sample CV alongside you. The most important thing is that applicants must find out how to optimize resumes to make it through the screening process so that you can ultimately get the job which you seek. When youre reading work advertisement, there is going to be a part that lists the qualifications or skill-sets required. Dont include your high school unless its nationally recognized or in an area in which you need to get the job done. You will also find valuable easy-to-implement strategies and insights on what you can do in order to produce the applicant tracking system zero in on your application. Make certain that all of your descriptions are full statements. It includes an Infographic layout in which enumerates all the essential information and specifics of the applicant. You might rather incorporate an objective in a job-search letter instead, especially in the event that you wish to be thought about for a variety of positions. If you discover that its hard to compose a definitive statement of your objective, describe the skills you wish to use or the functions you would like to carry out. A helpful collection of power verbs are available here. There are two simple ways to see whether your resume is ready to be correctly interpreted by mea ns of an applicant tracking system. 1 font is all you really require. While it has a simpler look, the complete customization features youre utilized to continue being present in this template. Although resumes are composed using standard elements, theres absolutely no prescribed format that operates equally well for everybody. Another choice is to include your official title in addition to a representative title in parenthesis. What Everybody Dislikes About Resume Section Titles and Why There are various types of certifications which should be included on a resume based on the kind of jobseeker and the business and position that the resume is for. Generally speaking, an objective on your resume can be useful if it concisely describes your immediate employment goal, but its not an important part of a successful resume. Whether you get a long academic career with different degrees or masters, or vocational or technical courses that have resulted in professional certificates, there are a number of techniques to include certifications on a resume to draw the hiring managers interest. The next area that needs to be highlighted are your abilities and abilities. Researching the business and the work description, and including appropriate keyword phrases and phrases, are crucial to your success. Although the very best search computer software links related key terms and will find your resume even in the event you deviate from standard, it is almost always best to remain consistent with everyone else. Its possible to also think of including links to an appropriate site, or your personalized LinkedIn URL. More than that, youre going to know just what to do next to expand your business enterprise analysis opportunities. The New Angle On Resume Section Titles Just Released Odds are, if youre applying on the internet for a job, your resume will be screened and ranked by means of an ATS. Additionally, you may easily loose out on a position to somebody who arrives prepared to fill out the application. Use precisely the same words as the work description Using the specific same words as the work description increases the possibilities that your resume will score nicely with ATS. Its possible to work your way through many distinct templates to locate a style that fits with your preference and the job posting. The Basics of Resume Section Titles Add a few details so the hiring manager knows how proficient youre. Your resume can continue to be riveting. Jobs continue to attract a lot more applicants than busy hiring departments have the opportunity to interview. Try to remember you dont need to incorporate each and every job that youve ever had.

Resume Writing Services Tampa: the Ultimate Convenience!

Resume Writing Services Tampa the Ultimate Convenience The total cost of the writing service is another element when picking the most effective available service for you. Resume ought to be written in a way that describes your entire profile in a systematic way. For the best results resume services Jacksonville FL, you can search for professionals whove been in the company for years like Resume Pro. If youre asking for quite a few similar jobs or fields, attempt to compose a couple Resumes simply by providing only important accurate details applicable to the work description. If youre open to several forms of jobs, let us know. It is possible to hire the help of competent resume writing professionals at astonishingly competitive rates. How to Choose Resume Writing Services Tampa Everyday, employers read all the resumes. The ideal writing businesses wont just utilize questionnaires to produce the resume. Resume composing firms are a really good place from where you are a ble to readily get your resume crafted in a fashion which potential recruiters would want. Basically youre combining your three lists into short and strong statements. Stick to the rules and youll secure an excellent resume or CV, which will improve your opportunity of receiving a work einstellungsgesprch As a graduate student, the least thing you wish to do is spend as much time researching on the best way to compose a Resume or CV. You have to establish and clearly convey your work target and focus. A lot of people dont like their present job or career. Its hard for a writing service to guarantee you a job because there are many variables that will influence the last selection. Resume Writing Services Tampa the Ultimate Convenience Getting your Resume made by a professional Resume Writing Service is the very best investment you are able to make while trying to find a Dubai Job. Writing a resume isnt an easy job. Credentials like the Certified Professional Resume Writer (C PRW) may also indicate that a website is legit. Before writing a resume make a list of all of the requirements for the specific job you are trying to get. To have a professional resume made, youll need to devote a substantial sum of money. Inadequate customer service may lead to lower sales, a lousy reputation within the specific small business sector and can therefore result in a hit on profits. Salary is just one of things which people take into account when deciding upon a business to work for. You dont get an interview call. If you employ the sample non-profit donation request letter, you can incorporate the essential volume. Its mandatory to submit the resume together with the work application as a way to get shortlisted in the work application procedure. A Resume is the one which decides whether you get an interview call or not. So many things have to take under consideration when writing a resume. Its also wise to avoid writing long letters. In reality, writing a resume is such a dreadful task that a lot of people would rather hire a person to write the resume for them that may be quite costly. An excellent method to ensure your resume is flawless is to enlist the help of a professional resume writer.

Kids, Work and Cs Resume Template

Kids, Work and Cs Resume schablone The Secret to Cs Resume Template The basic resume sections is going to be the exact same. So in the event the typeface employed in your resume sample is inappropriate it may have a negative visual effect on the reader. Whenever you do a resume example search, you can likewise find cover letter examples also. You will find lots of good resume examples and advice to write them easily. By using the examples of resumes, you wont only be in a position to add correct and precise info in your resume but will likewise be able to impress your prospective employer. Absence of current job information, old contact information, or many different points directly affect your performance during the interview. Highlighting the last employment record will demonstrate the responsibilities an individual previously held and the length of time they usually maintains a job. This example will explain to you the way you can handle the dates you have spent in jail. The 30-Second Trick for Cs Resume Template In the event that you should think of your professional career for a movie, your resume would act as the preview. Resume is not simply a document. however, it defines you and is the very first important key that ensures your prospective employer takes interest in you. There is but one opportunity for a very first review of your resume. You should simply opt for the one which you should use and then use your resume example in order to produce the ideal letter for your resume. Now, its not that every CV is completely original, but nevertheless, it has to be original around and reflect you. If you would like to find out more about writing resumes that get interviews, go to a site such as Top Career Resumes where you will discover several articles and suggestions. There are lots of examples of resumes, but you need to remain certain to create your resume and cover letter with your very own personal touch. There is a particular fashi on of resumes called Internship resume. Hearsay, Lies and Cs Resume Template You require something which will catch the employers attention and make them want to devote a bit more time reviewing the remainder of your resume. The point is to be patient, and however time-stressed you might be, youve got to give yourself the prospect of learning how a good resume needs to look like. Clearly, you wouldnt like to miss any info that, at later stage, hampers your likelihood of getting employed. If you pick one template and produce no changes whatsoever, you dramatically boost the likelihood of looking like everybody else. The Ultimate Cs Resume Template Trick You might have worked on several fields and wouldnt need to exhibit all that. Grow a filing system on your computer to keep tabs on the different versions of your resume, in place of using the file name for this purpose, and be sure that proofed, ready-to-go resumes are kept in a distinct area from drafts. You need to abide b y a simple format. If you choose the functional format, its to your benefit to create a combined format. Knowing your career objective would enable you to create the perfect content for your resume. The career objective statement has to be written exclusively for the job that you are applying to. Essentially youre convincing your possible employer that youre the ideal candidate for the internship, you will learn the most and that the experience is essential for your professional growth. Individuals often speak about good resumes and resume-writing abilities, but you could be intrigued as to whats a good resume all about and what can one possibly consider to make an impressive resume. Key Pieces of Cs Resume Template There are lots of resume examples on the web, so all you must do is search for them. There are keys that ought to be included in the resume. By writing an authentic problem-solving resume. Developing a great resume is the very best way its possible to make tha t first impression. Many job seekers attempt to pass off periods of unemployment by claiming that they started their own company, which might or may not truly be true. Resume tips for felons are an enormous assistance. New jobs can help ex felons to develop into a region of the society. As a rule of thumb, always make certain your resume is honest and clear as possible. The Advantages of Cs Resume Template At the very least, you ought to be in a position to articulate and succinctly state the work function which you want to perform and the expert level youre targeting. To begin with, you can have a look at the job posting that the business creating to determine just what is required for the position. You have to establish and clearly convey your work target and focus. The ideal job target, clearly, is the well-defined one. Lies Youve Been Told About Cs Resume Template What you may not know is that using professional resume samples can greatly increase your odds of succe ss. Also, a growing number of companies are abandoning the practice of optical scanning resumes into a database in order that they can look for keywords. Hence, its required to have knowledge of utilizing the computers and relevant tools. Browsing for resume samples in your field of expertise may also give you a good idea of the quantity of pages that are generally expected in your area.

40+ questions to ask HR questions every job candidate should ask

40+ questions to ask HR questions every job candidate should ask40+ questions to ask HR questions every job candidate should askYou go into a job interview prepared to sell the interviewer on all your valuable skills, extensive career experiences, and eagerness to contribute to a new lage. Youve researched the job duties extensively and know the company inside and out. So what do you do when the interviewer asks, What else do you want to know about the job?Dont panic. Its not actually a trick question.The interviewer isnt just asking you for questions as a formality. The questions you ask also play a large role in how they evaluate you for the lage by giving you a chance to display your own curiosity, knowledge of the company, and greatest career priorities. As a job seeker, you should also view every interview as a chance to evaluate if the company culture and role is the right fit for you in order to avoid accepting an offer without fully understanding what youre getting yourself i nto once you start the job.Since asking the right questions is such an integral part of the interview stage, were following up our last job interview questions post with even mora insights from hiring experts and managers about the questions theyre expecting to hear that job seekers often miss.Below are the 40+ questions they fruchtwein wanted to hear from candidates during a job interviewHow will I know that my managers having a bad dayHow do you develop your people?What do you say are the culture-related challenges?What charities/NPOs do you have relationships with?What social activities does the company host or participate in throughout the year?-Pamela Shand, MS, CPRW CEO, OfferStage ConsultingWhy is the position open?What are some things you Do and Dont like about this company?What are your core values? -Jen Teague, Owner Jen Teague, LLCWhat happened to the individual who had this job previously/Is this a new position?A year from now, when Ive been very successful in this rol e, what will have changed?What keeps you up at night/what keeps you here?Where do you see yourself/the team/the organization in five years?How and when will you measure my success?Marilyn Santiesteban, Asst. Director, Career Services The Bush School at Texas AMHow long has the position been available?Is this a new position?What happened to the person that held this position before?What problem do you face by not having someone in this role right now?What do you see as the most challenging aspects of the position?What projects will I be working on?What would a typical working day be like in this position?What will be the measurements of my success?With whom will I be working most closely?What are the opportunities for training and professional development?What type of person are you seeking?What would you consider to be exceptional wertmiger zuwachs in this position?Who are the people that I would have most contact with on a daily basis?Who is the manager that I would be working for and how would you describe their style of management?What is the organization structure of the department?How long have you worked here?Why did you join the company?What do you like about working here?What staff turnover rate does the company have?How would you describe the companys culture?What do you consider to be the companys strengths and weaknesses as an employer?What is the companys promotional policy?Are there opportunities for advancement within the organization?How is your industry segment in general performing?How does the company generally compare or rate against is competitors?Who are the companys main competitors?What is the next stage in your interview process? Michael OLeary, CEO HRMRecruitAnd the final, most important question the experts recommend all candidates make sure to ask before ending the interview 41. When can I expect to hear from you?At your next interview dont miss out on the chance to get the answers that matter most to you. Remember, hiring managers are there to fill you in on the role as thoroughly as possible, and you never want to leave an interview regretting what you could have asked.This article first appeared on Kununu.com.

A financial expert on how to begin plotting your retirement strategy

A financial expert on how to begin plotting your retirement strategyA financial expert on how to begin plotting your retirement strategyHope for the best prepare for the worstThese were words of wisdom I gleaned from my Father, a depression baby who was a tremendous source of both common sense and practical advice for me. Although he was speaking in general terms, this wisdom rings true especially when it comes to retirement planning. Today, there is an astounding number of aging professionals who are putting off retirement because they are either financially insecure or they are afraid that they will be if they stop working. If you are at or near retirement age, the time to plan is now. So many people dont even know where to begin.Heres what you need to know to get startedThe best way to begin plotting an exit is to identify the different risks you might face after you retire, (i.e. preparing for the worst.) Though these risks all overlap a bit, there are three basic areas of risks to consider1. Financial risksRunning out of money is probably every seniors greatest fear. Another is not being able to enjoy the golden years in a manner that is affordable and enjoyable. Being proactive and doing some careful budgeting and planning in advance is critical. As the old adage goes, an ounce of prevention is worth a pound of cure.What can you do now?In the budgeting process, be aware of what your prospective annual costs are and estimate your life expectancy. Match your planning needs to accommodate your unique retirement goals (hobbies, travel, family, fitness, etc.) Its also important to start building up a financial war chest now to meet your budgeted needs.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreSome ideas to expand your financial war chest includeDelay social security to maximize payout (if possible.)Delay taking retirement account distribution to 70.5 years.Conside r moves to lower tax states like Florida.Consult with a tax expert to make sure you are getting maximum benefits.Plan for a part-time job after retirement to augment retirement fundsalmost 22% of Americans 65 and older expected to have a part-time or full-time job by 2026.Balance your needs with taxes, death, legacy goals.Manage your debt.Consider life insurance as an asset class which can diversify your portfolio and provide tax-free growth and protect against market volatility.2. Health risksWhen planning for retirement, its really important to consider the possibility that youll need long-term care. According to a Nationwide Survey completed in 2018, over 70% of individuals over the age of 65 will need some type of long-term care at some time in their life. 77% of these respondents would prefer to have their long-term care needs to be met in their own home. The annual costs for long-term care can sortiment from $50,000 to over $100,000 per year Often times, childrens inheritance may be utilized for these costs.What can you do now?Plan early for this expense. If you dont have the cash saved already (and lets face it, not many people do,) there are many creative ways to generate the capital and stretch your assets.For example, you should explore the value of your life insurance policy as it may be a source of hidden cash. Thousands of individuals have life insurance policies they are not aware of and billions of dollars in life insurance benefits stemming from long neglected or unknown life-insurance policies are everywhere. Too few understand they may be able to cash out with a life settlement, or sale of an existing life insurance policy to a third party. Use this Life Value Calculator to estimate how much your life insurance policy will be worth when you sell it.According to elder care attorney, Gary L. White, you can also explore strategies that preserve and protect your assets for your loved ones while shifting the costs of long-term care to the state an d the federal government through Medicaid planning. There are numerous tools and strategies used depending on your marital status, the size of your estate, the amount of your gross monthly income and timing of your Medicaid application. For example, one tool is to establish a special irrevocable trust to reorganize your assets so that later, those assets will not be counted for Medicaid eligibility purposes. When planning, be aware of Medicaids five-year look-back period related to the transfer of assets for less than fair market value and consult with an attorney who is experienced in Medicaid planning before implementing any strategies to avoid spending down your assets in reservierung to qualify for long-term care benefits.3. Meaning of life risksIts easy to neglect this risk when planning for retirement. While it may seem less pressing than the other two, it is still an extremely important aspect to consider. How can you remain happy, healthy, and social after retirement? Passio n and enthusiasm are the core ingredients for humans to thrive.What can you do now?When plotting your career exit, reflect on the things that are most important to you. Make a list of all the things that give meaning and purpose to your life (ex. hobbies, projects, social activities, spending time with friends and family, traveling, etc.) and guide your life by those values or activities. Another idea is to look at your existing life insurance policies to see whether you can trade paying the ongoing premiums for a portion of the death benefit to go to your heirs or favorite causes. Planning for philanthropic endeavors are a great way to bring fulfillment to your life.Bottom lineIn order to save, stretch, and protect your assets, create an income strategy to allow you to maintain your lifestyle and not outlive your money a tax strategy which integrates with your investment and income strategies and is cognizant of current tax environment health care strategy that considers your long- term care needs and a legacy strategy which will provide blessings and not family conflictsIn short Hope for the best prepare for the worst David Kottler is a national speaker, author, and entrepreneur who combines his legal and business experience to help his Americans fulfill their life mission both philanthropically and financially. Also known as The Insurance Dr. Kottler draws on his 24 years of financial planning experience to create game-changing results for his clients through his innovative True Value life insurance review process. Kottler is the author of two books. His latest book, The Best Kept Money Secret in Your Insurance Policy, was written to empower his clients and other financial professionals to get the most out of their life insurance policies in their portfolios.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 kleine Franklins daily sched ule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people