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The Complete Idiot's Guide To The Perfect Resume, 5th Edition

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Use CV Templates to Guide The Writing of a Perfect CV

By Dilan Davis

Whichever job applied for, it is the standard procedure to submit a CV a or a Curriculum Vitae. In layman's terms a Curriculum Vitae means "course of life". This could be translated as what was done during the course of your life. A CV provides information on the applicant's life and qualifications. It is longer than a resume and is mainly used for academic and medical careers. More information about a person's qualifications and life is submitted with a CV. CV is an important element in the screening process of the applicants and therefore should receive a lot of effort when being written.

CV Templates are used when applicants do not have the time to decide how they should create their CV or when the CV they have sent many times does not get a response from the organizations. A template is a rigid piece of information, which others can use as a model and learn from it. A template of a CV will provide the applicant an idea of how he should create his CV. It is a direct guideline in which the style and the layout are already designed. The applicant merely needs to type in details and customize the document. It should be kept in mind, however, that a template is ONLY a guideline. It should not be copied word for word. The applicant will have to decide what information is relevant to the job he is applying for and delete the items which are not relevant when a template is being used.

CV Templates are freely available online. There are many sites dedicated to this task. They will offer templates of CVs, resumes, and cover letters. Using a template makes the writing process easy since it provides you with the information needed to decide how you should format the CV. It also designs the styles and layout of the CV. However, there are disadvantages to it as well. Using a template for the CV is cheaper than hiring a writing service, but a template will not inform you as to what your CV should contain. Since the content is critical to the quality of the CV while the presentation is secondary, a CV written by a professional firm has a better chance of making the employers sit up and take notice. Also to note is that the styles of CV's change often, it is important to know which style is the most current in order to select the correct template for your CV

When using CV Templates it is important to make your CV customized and unique. It should not be like everyone else's CV. Most employers tend to judge applicants by the appearance of the CV. Even if you are the best candidate for the job, if your CV is not original and creative you may lose out on the chance of being called for the interview. Bear in mind that although a CV can be two or three pages long, if the wording is short and concise, and lack spelling and grammar mistakes and presented in a manner that is easy to read your CV is bound to be read. Templates take this in to account when they keep plenty of white space and use bullet points to present information.

If you are unsure about how your CV will turn out even after using a template, do not wait for someone else to get the job because his CV was professional and presented better than yours. GrandResume.com is a writing service which will help you with all your CV and cover letter needs. You may browse through some of the CV Templates in our web site and make use of them or entrust the job to us. Our writers have dedicated themselves to creating professional, unique and original CV's. All that is required from you is the information regarding your qualifications and skills etc. and GrandResume.com writers will do the rest of the job. Our writers will be available to you right through out the process and you can collaborate with them with your own inputs. You can be assured that the CV we create for you will be nothing short of the best that your prospective employer will receive.

Dilan Davis is a certified cv writer at GrandResume.com who provides useful information about cv templates.

Article Source: http://EzineArticles.com/?expert=Dilan_Davis

The Complete Idiot's Guide To Real Estate Investing

A Beginner's Guide to Real Estate Investment Strategies

By Jennifer Minge

Deciding on your financial goals for your real estate investments is your first step in starting a good business. Do you need steady monthly income? Are you preparing your nest egg for retirement? Are you building up a portfolio to use for your children's education in upcoming years? To meet your goals, you need to choose the proper method of real estate investment.

One method to make some fast cash, even if you don't have any money, is locating great deals and selling them to other investors. Real estate investors are always looking for profitable deals, and if you can help them find them, they will either buy the contract from you, or may pay you a finders fee. Check into local real estate investment clubs and organizations for possible partners.

If you are wanting to establish a steady monthly income, the most common investment strategy is buying rental properties. You will need to put on your accountant's hat, and figure the price of the property and the rental income very carefully. Factor in all of your costs for the mortgage, insurance, taxes, and set aside a repair budget. You want to buy properties which will return more in monthly rental payments than the cost of owning the property. Many times buying less than prime properties and doing minor repairs and cosmetic touch-ups can make a single family home a great rental property. Your own local neighborhood may not be the hottest area for rental properties, so you may need to step into other neighborhoods, and communities to find the right mix of rental prices, and low cost properties.

Rental properties do come with one additional cost, which many investors overlook on their first purchase, their time. Some tenants can be demanding, others are slow to pay, and even others quit paying entirely and must be evicted. Choosing tenants wisely helps to reduce these issues, but you will always have some challenges. If you prefer not dealing with tenants, you may want to explore other options in real estate investing.

Another popular investment strategy is flipping properties. In this strategy you buy properties under market value, possibly because of the quality of the property, and you make the necessary repairs and renovations before selling for a profit. You'll need a good calculator and a sharp pencil for your budget planning on these deals. You need to take into account all parts of your planned renovations, and all possible costs to make sure the investment is likely to return a sizable profit.

Some real estate investors are in for the long haul, and buy properties to hold onto for a longer period of time, counting on rising prices to increase the value of the property before selling for a higher profit.

Your choice of what real estate investment strategy is best for you can be based upon your available financial resources, income needs, and interests. You may even decide to work with a combination of these methods to fill your real estate investment portfolio. Combining buying rental property, with a long term strategy of selling for a higher price is a common combination investment. Welcome to the exciting world of real estate investment.

There are many ways to make a fortune investing in real estate. For more information about real estate investing visit my website at InvestInRealEstate101.

For access to three of the greatest books every written on personal development visit Your Free Gifts.

Article Source: http://EzineArticles.com/?expert=Jennifer_Minge

The Complete Idiot's Guide To Drawing People Illustrated

How To Draw Figures: Human Figure Drawing Tutorial

By Edith Ozera

Did you know that you can learn to draw a figure without attending to figure drawing classes easily? The most comprehensive drawing figure tutorial by Todd Harris is now online and available for instant download for people looking for figure drawing help.

With the techniques revealed in this figure drawing eBook, it will be possible to draw pencil drawings of the human figure with ease whether beginner or advanced.

One of the best thing about this downloadable course is that even if you could easily spend thousands of dollars on figure drawing class at an average university, you can save your thousands with this special eBook which reveals all the techniques including the figure drawing without a model.

Learning the human form is really difficult, time consuming and tedious task for the most of the beginner artists. Being the most critical of all elements, human form must be very well understood whether you want to be an accomplished artist, portrait artist, video game artist, film artist, or a commissioned artist.

Learning how to draw the human form is fully covered in this eBook with great detail. The powerful lessons which will teach you everything you need to know about the human form will bring you to new arenas of your hobby, career, or training you thought unimaginable.

If you want to learn the techniques outlined in this pdf guide, you would need to purchase around 6 other books which would cost you around $200. Todd Harris has made a great job for preparing this eBook pdf.

This all-inclusive guide for beginners will combine techniques of the masters, to tricks on how to draw people right the first time. This online lesson is a great opportunity for getting a steal of a deal in money and time.

This guide comes together with 5 free tutorials to help you understand the basics in depth. These are the best resources online:

• The Art and Science of Drawing by Harold Speed: which will help you to learn the secrets of drawing straight from the masters.
• One Piece Portfolio Review Submission: which will let you to submit a piece of artwork and have it evaluated and reviewed with a critique sent back to you.
• Getting Started: which will teach you the basics of the block-in method and line variation and contour drawing.
• The American Drawing Book by John Gadsby Chapman: which give you tips from the basics to advanced techniques.
• Pen Drawing An Illustrated Treatise by Charles Maginnis: shows you everything you need to know how to make beautiful pen drawings.

Indeed every artist operate a little differently. This learning program fits any artist's learning style. You can easily learn figure drawing step by step by choosing the program which fits your style.

Even if you you are not sure which kind of artist you are, that's okay. You will still have complete description and will benefit from learning the techniques that are made for the type of artist you are.

Learning figure drawing tips and the human form has never been that easy with the secrets of the masters. Discover the secrets of experienced illustrators and masters with step by step instruction.

You will get the best eBooks full of advice, tips, instruction and illustrations delivered instantly at your fingertips. Learn to draw figures with a system right for you. Download this ebook here and learn everything you need to learn immediately.

For more information on how to draw figures, visit my site to learn human figure drawing tutorial

Article Source: http://EzineArticles.com/?expert=Edith_Ozera

The Complete Idiot's Guide To Mortgages, 2E

A Comprehensive Guide to Mortgages

By Kathleen Dougherty

If you are considering the purchase of a home or property, you will likely need to get a loan to cover the cost. The type of loan you will need to secure property is called a mortgage. For most people, getting preapproved for a mortgage is recommended so you can more fully concentrate of finding the property you want. This way, you can concentrate solely on the types of homes that fit within your budget whether you are looking for a single family dwelling, condominium, townhouse or tract of land and newly constructed home.

The reason mortgages are necessary is because most people do not have the large amount of available cash to purchase a home outright. As typical homes range from $100,000.00 and up, it is rare to have that much sitting about in your checking account. Therefore, a person will apply at a bank or lending institution to obtain funding. In order to get approved, you will generally need good or at least decent credit. The poorer your credit, the more difficult it will be to secure a loan. If you do obtain a loan, you will likely have a higher interest rate to compensate the lending institution for the increased risk.

Once a mortgage is approved, the bank will hold a lien on the property until the entire mortgage is paid off. The property itself is the collateral used to secure the loan. Payments on the mortgage are typically made monthly though there are some exceptions depending on the lending institution. There are also different types of mortgages and different terms. A fixed rate mortgage means you will have the same percentage through the life of the loan unless you refinance. A variable rate mortgage will fluctuate depending on market trends.

If the financing terms of the mortgage are not met, for example if the home owner is unable to make the required monthly payments, the bank that holds the mortgage may put the loan into default. During default, the homeowner has a certain amount of time to bring the account current. If it is not done in a timely manner, the bank may seize the property and sell it to recoup their losses. This is called foreclosure.

There are various parts to a mortgage that you should be familiar with. When you get a mortgage you will likely see some or all of these terms on your financial documents so it is important to know just where your money is going and how it is being used to pay off your mortgage. 

• Down Payment - This is the amount of cash a buyer will put down on the home. Banks and lending institutions may dictate a required percentage or lump sum amount the buyer is required to have.
• Principal - This is the gross dollar amount you are borrowing from the bank in order to purchase your property. For example, you may have a home that costs $500,000.00. If you have a down payment of $50,000.00 you will need to finance $450,000.00. The $450,000.00 is the start of your principal balance.
• Interest - The bank offers loans to make money. They also want to mitigate risk so they charge an interest rate on the loan. This rate can vary depending on many factors including income, credit rating, and type of property. Shopping around to various financial institutions is also recommended because each one will have varying rates and may compete to get your business.
• Taxes - Property taxes are assessed on the home that can vary from location to location. Sometimes the estimated property tax is added to your loan and that amount is held in escrow until it is due. This ensures there is no shortage and the taxes will be paid on time so no liens are added to the home.
• Insurance - There are various forms of insurance that should be carried on a home in order to protect the investment. In addition to protecting the home, mortgage insurance may also be added to protect the bank in case of non payment of the loan and this amount may be added to the mortgage payment.

The monthly payment amount is calculated using particular portions of the above components. Each component is broken up into detailed amounts to make the sum payment. The amount that goes toward principal and interest is called amortization. If you over pay your mortgage the additional amount goes straight to the principal and this has the possibility of reducing your loan and paying it off faster. Mortgages typically range from fifteen years to thirty so shaving some time off that by consistently making higher payments is recommended if possible.

Kathleen Dougherty, Freelance Writer.

http://kathleendougherty.com

I am available for all your copywriting and ghost writing needs. I am skilled in E-books, informative articles, keyword articles, SEO, web copy, technical writing, rewrites and editing. Visit my website today to request a quote on your custom work.

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The Complete Idiot's Guide To Buying And Selling A Home, 5E

Tips for Buying or Selling a Home

By Gregory M Nicholas

There are going to be quite a few different tips for buying or selling a home which you will want to follow, depending on which side of this situation you are on. Whether you are trying to buy or sell a house, it will be important to get a good realtor. A professional real estate agent will be able to help you get what you need when it comes to finding the right home for you or selling the one you are currently in. Those who are looking for a new house might seem overwhelmed with all of the options they have, but a real estate agent can definitely help with this.

In order to find the right real estate agent, you will need to go online and do some research until you find exactly what you are looking for. By taking the time to do this you will be able to get the very best house on the market in the price range that you have in mind. Just remember to keep looking around at as many different houses as possible until you can make up your mind as to which one you want to buy.

Those who are trying to sell a home will also need to think about doing a few things in order to increase their chances of accomplishing that within a reasonable amount of time. One of the absolute best things you can do when trying to sell your house is to make sure that it is clean and presentable when people come to look at it. You will also want to clear away all of the clutter and extra pieces of furniture so the people who come to see it can picture the house with all of their things in it. You house doesn't need to be completely baron but it should have a minimal number of things in it.

You might also want to think about painting the walls in order to get them a fresh coat and look better as well as doing some minor repairs like patching holes in the wall and other things that prospective buyers look at in order to determine whether or not they really want to get the house. Despite what you may think, a lot of things that need small repairs can add up after a while, so make sure to go around your house to see what exactly needs to be worked on.

In this real estate market, you will have to work extra hard to get a decent amount for your home. Depending on where you live though, real estate might be at a premium. There are going to be a lot of prospective buyers interested in visiting your home, so you will want to keep your schedule open so that they can come and see it. The more people you have see your house, the more likely it will be that you get someone who is seriously interested in buying it.

Looking to get tips for buying or selling a home? Follow the links to see what you need to do when buying or selling a home.

Article Source: http://EzineArticles.com/?expert=Gregory_M_Nicholas

The Complete Idiot's Guide To Greening Your Business

Green Business Tip - Use a Promotional Tote Bag

By Brandon Glenn

Why should you consider "greening" your business? This is the question that many business owners are asking. Is the green movement just a fad? Do people really care about the environment, or are they just looking for more ways to make money?

That all depends on your answer to this question: are humans naturally good or evil? If they are evil, humans only care about their selfish desires, and they only want to go green because in the end it will make them more money. If your answer is that all humans are naturally good, then humans really do want to help the environment as much as possible and make as little of an impact as possible.

So, what do you believe? If you're in business, it doesn't really matter. Either way you look at it, people are going green; most likely with both motivations. People are going green to make money and because they really care about the environment. If you're in business you need to make your customers happy, and one positive thing you can do for your customers is to give them a promotional tote bag that is eco friendly.

You don't even have to just give it away for nothing, either. Some businesses that are moving into the green realm are giving their customers a free promotional tote bag when they purchase a certain amount of merchandise. For example, a meat market may give their customers a reusable shopping bag when they purchase more than $50 of meat. A coffee shop may give away a cotton drawstring backpack to customers that return to their store to fill up their cup 10 times.

There are lots of ways businesses can go green and a great resource for going green is by downloading this free guide: http://greenbagpromos.com/green-ideas-for-business.html

Brandon Glenn recommends you visit http://greenbagpromos.com to see options for a promotional tote bag.

Article Source: http://EzineArticles.com/?expert=Brandon_Glenn

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Green your Home - Save Money

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