Friday, September 8, 2017

How to Prepare Resume for Seeking a Job




What is a Resume (also spelled résumé or resumé)? 


Resume is a word borrowed from French language. Its meaning, as its French origin implies, is “summary”. Thus, a resume is basically a summary of a person’s education, skills, experience, etc which are relevant for seeking a job or for the purpose for which it is written. The word resume and CV (Curriculum Vitae) are interchangeably used but both have different style and purpose. 

Bio-data is altogether a different document, generally more relevant for social purpose. Though resume has varied uses for various persons, it is mainly used by a person for seeking a job or, on the other end, for “finding” (“hunting” in recruiters’ lingo) the applicants by the employers through digital media/Applicant Tracking System. The applicant can send the resume to its “audience” by various mode (delivering personally, through mail, uploading in email/website of the employers, recruitment agencies, etc). 

The resume is generally attached with a Covering Letter when sent through non-digital media. The present write-up deals with a resume for seeking a job through digital media.

Importance of a well written Resume:

Your resume is as important as a personal interview as its reading conjures up your image in the mind of the employer.  Other things being equal, a person who has provided a well written resume is more likely to get interview call than his counterpart whose resume is not well written. Looking to the employer’s perspective, well written resumes help them narrow down the list of probable interviewees. The job seekers are obsessed with idea of improving their visibility in job market through uploading / mass emailing their resumes but not so much careful about writing a good resume.  

How to write a good resume:

There is no standard style and format for resume in which you can fill up the data and draw your resume. You would find various “ready to use” styles and formats and select one as per their choice and can take little bit latitude to accommodate your own circumstances. Considering these aspects, following points should be borne in mind while writing the resume:

Put your name, address, contact details at the top (putting your photograph digitally desirable) in decent font type and bit bigger fonts size.

Putting an Executive Summary comprising of 3 – 4 lines is also desirable, particularly when you are seeking highly paid jobs.



1.     Objective: Write the objective of your seeking a job in simple language (refrain from using flowery language and stuffing too many ideals and goals).  

2.     Education – In chronological Order(it is advisable to present this data in a table similar to the following one):

Std/Dip/ Certi /Degree
Board/ Uni /Org.
Year
% or Grade Secured
Remarks
SSC




HSC




Certi/Dip*




Graduation#




Post Grad.$





 (* specify, e.g. Dip in Digital Marketing, Dip in CAD,  # BCA/B.Com, etc, $ MCA, MA, etc as the case may be).

4. Languages Known: 

5. Date of Birth (can be skipped but desirable to include)

6. Experience (in reverse chronological order- start with current job):
Write about experience relevant to the job sought. Include following information in the details on experience:
Designation, Company/Organisation, Your Role, Period (From ……… to…..…), Duration (in years). 
Note: If there is a gap in Education or Experience (particularly a long one), give explanation for the same.

7. Skills relevant to the job sought

8.  Awards /Certificate/Trophies Won/Felicitation Received:
Write about the above (as a student or as an employee). 

9. Reason for leaving the present job (if you are employed):

If you have good reason to leave your present job, give it in a convincing manner.

10. Hobbies: Write your hobbies which may be relevant to your job or may not be.  

11. Other points to be borne in mind:
·        Length of the resume – preferably one page.
·        Softcopy format– as per the format (MS Word, pdf, HTML, etc)  specified by the employer or the website
·        Do not use unfamiliar abbreviation/acronyms. Write their full forms.
·        Avoid spelling or grammatical errors. If required, seek help of expert.
·        Format the resume properly (Margin, Line spacing, Font type, Font size, alignment of the table and contents in table, etc)
·        Keep in mind to use such keywords which can easily be found up by Applicant Tracking System or other softwares /tools used to process the resumes. Some recruiters deploy sophisticated software to assess the compatibility of a candidate by key words and the context in which they are used. It is advisable to devote some time to find out such keywords and its ranking from digital resources, though the logic of ranking a “search” is complex. Mind well, getting noticed is first step towards getting hired.
·        Do not write that I do not now so and so things.
·        If not specifically asked for, do not give personal details e.g. Religion, Caste, Marital Status, etc.
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Saturday, September 2, 2017

How to solve business problems and become Successful


बिजनेस में आ रही है मुश्किल तो इन 3 आदतों का पालन करे




बिजनेस की प्रकृति भी लाइफ की प्रकृति से मिलता-जुलता है। किसी भी बिजनेस में सबकुछ एक जैसा कभी नहीं होता है। उतार-चढ़ाव भरे सफर में कई बार बिजनेस में मिली असफलता हमें तोड़कर रख देती है। नतीजा यह होता है कि हम उससे आगे नहीं निकल पाते हैं और बिजनेस का घाटा हमारी असफलता की कहानी बन जाता है। आज ये जानकारी पढ़कर आप अपनी असफल कहानी बने उससे पहले एक सफल कहानी में परिवर्तन कर सकते है|

कई बार हम अपने अप्रोच के चलते बिजनेस में घाटा खाते हैं। इसकी मुख्य वजह हमारा किसी से अपने बिजनेश की समस्या पर बाचतीत नहीं करना और सही सलाह नहीं लेना, बिजनेस सही समय पर सही डिसीजन लेना पड़ता है और उस डिसीजन को समय पर किसी काम को लागू नहीं करना भी इसके पीछे एक खास वजह हो सकता है।



अपनी प्रॉबलम को एक डायरी में लिखें :

जब भी आपको परेशानी आए या कोई भी बिजनेश सबंधित कोई सवाल दिमाग में आये तो अपनी डायरी और कलम लेकर तुरंत लिंखना पसनद करे। जब भी आपके पास इस सबंधित सोल्यूशन मिले तो उस सोल्यूशन को भी लिखे | जब तक आपके पास इसका हल नहीं अत तो दिन में कमसे काम एक बार इसे देखे इससे होगा यह की जब आप फुर्सत पर होंगे जैसे के ड्राइव कर रहे हो पेडल चल रहे हो तो ऐसे ही इसका सोल्यूशन आपको मिल जायेगा|

ऐसे व्‍यक्ति से मिलें जो आपको सही राह दे :

जब भी ऐसी मुश्किल आए तो हमेशा ऐसे व्‍यक्ति के बारे में सोचे जिससे आपको अच्छी और सही सलाह मिलें और उससे मिलकर अपनी समस्या बताये। ऐसा व्‍यक्ति आपका दोस्‍त या फैमिली मेंबर कोई भी हो सकता है| वह व्यक्ति आपकी सही सोल्यूशन देगा और समस्या थोड़ी जटिल हे तो एक से ज्यादा व्यक्ति की भी सलाह ले सकते है|  दूसरे को बात करने से  आपको होंसला मिलेगा और अपने अंदर से ताकत भी बढ़ेगी|

बिजनेस के अलावा कोई काम करें :

निराशा के दौरान आप छोटे मोटे काम करें। इसमें आप गाना सुनना, बाग़ में पैदल चलना और जो भी कोई काम आपको अच्छा लगे वह करे| इससे आपका ध्यान कही और लगेगा और आपका डिप्रेशन कम होंगे फिर उसके बाद आपको जो सोल्यूशन आपके दिमाग में आएगा वह गजब का होंगा|


Thursday, August 24, 2017

How to Select an appropriate Lender/Loan amount for a Housing Loan

The dream of owning a house is very close to every person’s heart who does not own a house. Buying a house is besieged with many problems; the most bothering is raising the fund. When we consider various options, loan from banks and housing companies will be our first choice. Utmost care and proper planning with lot of foresight are required before taking the decision as it has a lot of implications on your financial position for many years.

While deciding the lender, type of housing loan and amount of loan, one should bear the following factors in mind:

1. Rate of Interest.

2. Type of variability in Rate of Interest (Interest Fixed for the entire tenure (Fixed), Floating Interest rate (Floating), Variable after certain number of years (Reset)).

3. Conversion Fee (Fee for converting your loan a/c from any of the option of Fixed, Floating, Reset  to any one of them)

4. Method of Calculation of interest (a. Flat – on entire loan amt till the loan is repaid, b. Reducing Balance on daily balance, c. Reducing Balance on Monthly Opening balance. This affects the amt of EMI).

5. Margin Money (the applicant’s contribution in purchase price of the house, also called Loan to Value Ratio or Down payment, stated in percentage - %).

6. Borrowing Cost - Fees/Charges/Cost payable upfront (before the loan is sanctioned) in the form of Processing Fee, Inspection Fee, etc.

7. Fees/Charges/Cost payable during the tenure of loan.

8. Penal Interest and other penalty and the occasions/events when the  penalty will be levied.

9. Foreclosure Fee (Charges payable if you want to repay all the loan amt before the due date of repaying/settling  the entire loan)

10. Balance Transfer Fee (fee if you want to transfer your loan a/c from present lender to another lender)

11. Length of  Tenure (The numbers of years within which you have to repay the entire loan). Longer the tenure, smaller the EMI. This will help obtain higher loan amt.

12. Availability of  Top – up Loan Facility (which entitles you to avail more loan on the same property after certain years  for approved purposes)

13. Availability of Interest Subsidy/Subvention, if any

14. Reduction in Income Tax Liability, thereby increasing your income and capacity to repay the loan. 

15. Moratorium period (the period after which the repayment will start after release [disbursement]of the loan).

16. Availability of “Telescopic Repayment Schedule” (wherein EMI will  gradually increase as the years pass by which facilitates sanction of higher loan – more suitable to young applicants)

17. Cost of Insurance (Insurance of the property and insurance, if insisted by the bank, of the applicant.

18. Whether your good  Credit Score/ CIBIL (Credit Information Bureau India  Limited) Report will help you to reduce your requirement of documents/ interest rate/ negotiate with the banker.

19. Bank’s past record in passing on the benefit of reduction in interest rate to the borrowers (warranted by market conditions or RBI instructions)

20. The above factors consider “loaning” or “financial aspects” only. Non-financial aspects are also equally important.
 
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