1 in 5 Students Sells Body or Gambles to Fund University

1 in 5 Students Sells Body or Gambles to Fund University The survey of 1,900 students, conducted by money advice site Save the Student, found many use high-risk, low-paid work to cover the sizeable shortfall in student finance. Survey finds one-fifth use body or betting to earn money Maintenance loan leaves average student £265 short each month Universities the last resort for financial advice Extra: the inventive ways students try to turn a buck Students struggling to survive on the maintenance loan are turning to Adult work, medical trials and gambling to cover the growing costs of higher education, the 2015 National Student Money Survey has revealed. The survey of 1,900 students, conducted by money advice site Save the Student, found many use high-risk, low-paid work to cover the sizeable shortfall in student finance. The average student spends £745 each month but receives just £480 in maintenance loan. 12% consider gambling a legitimate income source 7% have undertaken Adult work or medical testing 8% fill out low-paying surveys in the hope of earning extra cash See the full survey results at www.savethestudent.org  [Live from 29/6/2015] 3rd-year Helen* says her maintenance funds arent enough to live on. After low-paid catering work still left her struggling to cover basic living costs, she turned to far more lucrative ‘topless talking’ using a webcam. She told Save the Student: “Fans just wanted to talk but wanted an edge â€" like being topless. That was it. I didn’t do anything else other than talk. “Before, when I had  a ‘conventional’ job, I really struggled with money â€" I am great at budgeting but money just wouldn’t stretch. I was living on £5 a week. To go from that to earning £50 a day or so was great, I could actually afford to eat and even save money!” 2nd-year Kieran volunteers for medical studies to cover his shortfall: I got as far as doing a trial that involved staying at a unit where an antibiotic was being trialled. I was a little ill for two weeks afterwards but there was a really good amount of aftercare.  Of course I worried at first but  in any other career, there are risks.  I  saw it as safe as the doctors dont just leave you for dead if things go wrong”. Recent graduate Ben started playing poker online at 16, and began playing at organised live games when he went to university: “I grew up in rural North Wales so Id never been to a real casino before. The standard of play at a live poker room is far worse than online so having cut my teeth with the relatively savvy online players, I started killing it while playing live. Id say in three years playing live in Liverpool (probably two or three nights a week), I made about £6,000. While SLC statistics show average maintenance loan awards increasing over the last few years, students remain highly critical of a system they see as unfair to students in England or from middle-income families. How much students have in savings One comments: “My parents earn above the top band so I get absolute bare minimum student finance (it doesnt even cover my rent). Just because my parents work hard and earn money doesnt mean they necessarily have enough to give me lots of help.” A third of students surveyed agree that they don’t get enough financial support from their parents. Many who answered the survey also wished they’d been taught better money management skills before starting a degree, with just a quarter able to budget â€" yet only 16% would turn to their university for help when in difficulty. Of those who did, only half found it easy to get advice or cash from their course provider. Monthly student spend Tom Levin of NASMA (National Association of Student Money Advisers) comments: “The trends demonstrate how vital the maintenance loans are in ensuring they’re able to complete their studies successfully. My advice to students and parents would be to familiarise themselves with the support services on offer at their institutions: NASMA members around the country are keen to engage with students to improve financial capability and help those in hardship.” Save the Student’s Editor-in-Chief, Owen Burek: “1 in 2 students tell us they don’t understand the loan repayment conditions, yet are signing up for debts which aren’t fit for purpose. Maintenance loans don’t reflect real living costs, regional differences and parents’ ability to contribute â€" frankly, they’re out of touch with individual circumstances and student needs. “We’ve filled the knowledge gap of money management for thousands with our ‘Big Fat Guides’ to student money â€" but until access payments become fairer and more relevant, all we’re doing is papering the cracks. In the meantime, we aim to show all students where the money is, whether it’s from the system or by being smarter about saving.” Ten unusual ways to turn a buckSome of the ways strapped students go the extra mile to make money. 1. I had to be a burp for an online kids’ TV programme and got paid £10 2. I hired my dog out as a stud. Hes only had one job so far, might put him up on Gumtree? 3. Taking the blame for someones flatulence at a party 4. Sucked my friends toe for £100 5. Running McDonalds trips for friends. I buy them McDonalds with money they give me + money for my personal delivery. Didnt cost anything to walk to McDonalds for me, nor was the extra pay too high, but I usually earned an extra few pounds per trip 6. Holding a strangers cat while she went shopping in Furniture Village. Made £20 out of it. 7. Confidence coaching (basically fake dates to help shy people) 8. Doing up a drunk friends shirt buttons: easiest £5 Ive ever made! (I did return it once they sobered up) 9. Taking some random photos at a horse show which the lady later wanted to buy off me! 10. Friend was unable to gamble due to lack of ID but still wanted to put bets on. So he gave me the money and told me his bet. His bet choices were always terrible so I took the money and risked paying out myself if the bet came in. None of his bets ever came in. Source: The National Student Money Survey 2015, www.savethestudent.org 7

How to Successfully Lead an International Project - CareerMetis.com

How to Successfully Lead an International Project Projects can already be problematic enough â€" those problems can be magnified when you’re dealing with projects which run around the world and involve a lot of different people, cultures and time zones.And if you’re not familiar with what problems to look out for, there are a lot of potholes for you to put your foot into.evalTo help you avoid that, here we’ll explore how you can successfully lead international projects â€" or projects your business is running which have employees in multiple countries â€" without any mistakes.These types of projects need special care, as the different time zones and different cultures add an extra level of complications.With these guidelines, you’ll be able to see the problems before they happen and identify ways to deal with them. In that way, you can finish the project with as much flair as you showed when it was still ongoing.1. Understand the differences in how different cultures finish things offJust like some cultures are incredibly pu nctual and others are always late, there are different ways in which people finish projects. Some will say something is finished while it’s still dragging on and still requires attention.For others, when you say it’s done it better be done, because they’ll no longer devote any more time to it and will busy themselves with other things.The way to avoid this problem is to communicate clearly about endings and to remember that right at the end of projects is when people energy is the most likely to wane. That means things that would have gotten done quickly and effectively in the past might drag on for weeks now.The best way to know how people will behave at the end of a project is to look to other projects that they’ve finished. Often, as they say in psychology,the best predictor of future behavior is past behavior.2. Define the endingevalAnother useful action to take is to make sure that the ending of the project is well defined and clear to everybody. Obviously, this is some thing that should have been done at the beginning of the project. Of course, that doesn’t always happen.Sometimes we didn’t know where we were heading. Sometimes we take over.Whatever the reason, as the ending is approaching make sure you take the time to clearly define the project’s goals and what still needs to be done in order to meet those goals.3. The distance thingThe fact that people are in different parts of the world means that it’s very hard to collect people together for regular meetings â€" particularly if you’re spread out over several time zones.evalThis can spell all sorts of problems right at the end of a project, when things running slightly disjointed can mean that some people can’t meet their deadlines because others have not yet finished what they’re supposed to do.The best way to proceed is to have several online meetings â€" more than you normally might have. There you can discuss the last bits and bolts together. Also, take advantage of the fact that some people no longer are a part of the project to shrink the group down as small as it can go.The fewer people are gathered at these things, the quicker you’ll be able to get things done and the more likely any remaining problems that remain will be uncovered.Also, turn the time-zone difference to your advantage by wherever possible having people finish what they’re supposed to do while other people sleep. In that way, the project can be ready for the next group to take over as they wake up.For this to work, it is important that people communicate clearly and succinctly with each other. Otherwise, it is entirely possible that one group is left with too little information but no way to contact the previous group, as they’re no longer in the office.Also, it is important that if somebody does not have perfect command of the communicating language, steps are taken to bridge that gap and avoid confusion. Whether this means having more bilingual people involved or using atrans lation firmis up to you.In these situations, more information is better than less. Make sure all sides understand that.4. You have to stay personally involvedThe ending of an international project is not the time to demonstrate your laissez faireleadership style. You have to stay personally involved and always remain reachable.Ask for frequent status updates and make sure that you understand what is going on â€" so that you can spot developing problems early and deal with them effectively.evalNote, this is not a call to micro manage.That will not make you any friends.Instead, leave the parties to do their job, just make sure you know what they’re doing.Ask to be CCed on the mails being sent and make sure that you actually read the mails going out. Because that’s where the problems will generally first manifest.5. Give creditAt the end of a project is also the time to let people know how much you appreciate what they’ve done. You can even start doing this before the project is over, as done well this can push people to try a little harder and finish off whatever their part was with an extra bit of enthusiasm.When you’re working with an international team, understand that how you give credit and feedback can differ from culture to culture. So, make sure you understand what is expected of you by a culture and recognize that in the process.Generally, these insights about criticism and praise will hold across cultures Start and finish with praise. Put the bad news in the middle.As criticism generally hits harder than praise, try to find a balance of two pieces of praise to one piece of criticism.Don’t just tell them what they did wrong but give them effective suggestions about what they could do differently to do things better. In fact, often just giving the suggestion about how they can improve their performance can be enough.Give them a chance to reflect on their performance and your performance as well. This will give them the feeling that your helping each other more than that dictates are coming from above.6. Make sure people realize your door is openAt the project’s end there are going to be problems that rear up unexpectedly. The only way that you can stay on top of them is to know they’re there. For that reason, make sure that especially at the end of a project people understand that you’re available.So, make sure you re-emphasize that point. Also, try to stay level headed, as employees and workers always follow the ‘once bitten, twice shy’ rule when they’re dealing with a volatile boss. And that can often lead to them not communicating problems or hick ups when they initially rear their head.Do all that, and you’ve got a good chance of finishing your international project without any big mistakes. Don’t and you risk everything blowing up on you. I know which one I’d rather want.

Interviewing 8 ways to prepare ahead of time - Sterling Career Concepts

Interviewing 8 ways to prepare ahead of time Interviewing? 8 ways to prepare ahead of time The following are eight ways to  ensure youre at your best for that all-important interview: Practice your interview answers out loud.  I recommend clients write out answers to commonly asked questions and then practice answering the questions out loud. During the interview should not be the first time youre answering the questions out loud.  Its one thing to read through notes and a completely other to formulate the answers verbally. Dont dismiss the importance of both. Practice the route to the company. Double-check the closest subway stop.  Know which exit it is off the highway.  Dont rely on your GPS for this print out MapQuest directions as a back up. The point is know where youre going, how long its going to take, and add on 5-10 minutes buffer time. Rushing to an interview will throw you off your A-game before you even walk in the door. Why risk a poor start like that? Prepare 4-6 intelligent questions to ask the interviewer.   Topics can include the company, the department or group, the position, and the process. Avoid asking about benefits, salary or anything else that shouts whats in it for me?   (More on this in my next post.) Call or email to confirm the interview date and time if the appointment was made longer than one week ago.   Keep the call or email short and professional. Read through your resume.   Think about it you may not have read it recently. Anything on your resume is fair game for questions. Read the resume top to bottom and bottom to top youll notice different items as you scan it from a different perspective. If you havent read through your resume recently, you risk being caught off guard when an interviewer asks about something from a past position. Pack pen and paper in your briefcase or purse to jot notes and names down. There are two schools of thought on this topic. I dont typically recommend clients pull pen and paper out during the actual interview. My advice is to remain focused on the conversation,  rapport, and eye contact and not jotting down what your interviewer is saying. Remember  its an interview, not a college lecture!  I recommend saving the notetaking for when you have a few minutes alone in the conference room or for immediately after leaving the building.     Print 3-4 extra copies of your resume on bond paper for that busy interviewer who cant seem to quickly locate your resume on his or her desk.  You also never know when your interview schedule may be amended and youll be asked to meet with someone who  has not already  received a copy of your resume. Read through the companys website and marketing materials so youll  be knowledgeable  about the company and its recent news releases and financial performance. Sounds obvious, but youd be surprised how many candidates dont always take the time to do this. The candidate who is knowledgeable about the company and its current events can have a definite leg up against  the competition. Interviewing need not be a stressful experience. Adequate preparation will have a positive impact on your performance. Good luck!

How to Write Expected Salary in Resume

How to Write Expected Salary in ResumeWhen writing a resume, how to write expected salary in resume can be difficult if you are not aware of the job position. Many times, it is found that it is incorrect to include job title in resume, instead, one should focus on other important factors such as education, skill, training and experience. In fact, sometimes even salary is not factored in the resume because these are not actually mandatory.You will need to make sure that you also check job description and pay structure if they match your desired salary. Therefore, knowing how to write expected salary in resume will become important when the hiring manager will review your resume.When you are composing your resume, you will find that some of the job requirements will be included while others are not. It is best to include all the information in your resume as soon as possible. If you are hired, it is important to make sure that you are able to show all the necessary requirements of the job.As a matter of fact, it will be very helpful to make sure that you put the position title in the list and the salary in the bullet points. If possible, also put the required experience and training in the resume.There are other ways of how to write expected salary in resume that you may want to consider. For example, you may want to mention if you have any certifications or skills in the bullet points.Remember that this is the only way of factoring in this factor since there is no salary requirement. If you have any knowledge in this, then mention it in the job description and salary format.The one thing that you must always remember about how to write expected salary in resume isthat this will really reflect the qualifications that you have. Hence, you must remember that you can be hired, but the resume is the one that will show it.

Writing a Resume With Work Experience From a Long Term Job

Writing a Resume With Work Experience From a Long Term JobWriting a resume with work experience from a long term job can be one of the most challenging tasks in the whole process. As you know, you are looking for a career in a particular area, and you want to start a new and exciting venture. You have done your research, you have to set your priorities, and now you are ready to put all your efforts into learning what it is going to take to land a great job. After you have done all that, you need to get some well-written resumes so that you can turn this job interview into an eventful experience.The first thing that you need to do in order to write a resume with work experience from a long term job is to decide what type of position you are applying for. If you are doing a search for a career change or to move into a new career, you are going to need to list your goals in writing, and then you are going to have to come up with an impressive resume with all of your relevant experiences . After you have come up with your goals, you will be in a better position to learn how to write a resume with work experience from a long term job.For example, if you are applying for a job as a project manager, it is important that you have examples of your previous work. What is a project manager anyway? This job requires that you use your common sense and be able to work under extreme pressure. If you don't have examples of the jobs that you have completed, it is going to be difficult for the hiring manager to know whether or not you can perform the job well.Another type of long-term job is where you are applying for a position in a medical center. Since this job requires that you handle a lot of patient cases, it is crucial that you have had experience with a lot of medical facilities. You will have to submit your resume using the services of a professional resume writer. The services of a resume writer will help you in a number of ways. Some of the ways include, but are not li mited to:Example - If you are writing an article for the Internet, this means that you have no clue about how to write an article. This article is not the place to show off your writing abilities. Instead, you need to show people that you can write an informative article. Also, your resume must be more than just a list of your accomplishments. If you are going to provide examples of your job titles and awards, make sure that they provide some type of concrete evidence to back up your claims.Being precise - If you are trying to showcase your writing skills, it is important that you describe your accomplishments in the best way possible. It is common to add a couple of lines about what you accomplished on your own when writing an article. However, you should be sure that you give a lot of details about the accomplishments that you have made. It is also important that you demonstrate the benefit of your hard work in your written interview.Knowing what you want out of a long term job wi ll help you know what type of resume to use for it. Since you already know what you want out of the job, you will be in a better position to learn how to write a resume with work experience from a long term job. The best resumes will include examples of past work accomplishments as well as examples of your contributions to organizations.

Who Is Lying to Us About Resume?

Who Is Lying to Us About Resume? There are many statements one can utilize to make an effective resume. The skills required vary based on the field you're applying for. Therefore, the candidate selected for the government positions ought to be trustworthy, dependable and responsible. So resume objectives will differ depending on the sector in which you are searching for employment. Most positions require a minumum of one year of qualified experience. You may be worried your skills might rust over the years as you are not at work. Enroll in Career return courses Career return programs support individuals that are back to work after maternity to come up with the skills which are relevant to the business. Your resume ought to be worded differently than that which you'd see otherwise. But What About Resume? The possible employer shouldn't be in a position to resist calling you for an interview. The very first step in making a great resume is through writing an interesting and efficient cover letter. Writing a resume has never been simpler! Basically, resume writing is an art and just a number of the applicants can pull it off. The Free Resume Builder helps prepare resumes even when you don't possess the slightest idea on the best way to do so employing a seven step practice. Creating your video resume is a significant step in the modern fast paced, digital job marketplace. Deciding on the proper format is always important so be sure the format you select is associated with the job and reflects your personality and abilities. Template for resume is a normal layout which can be used for any work position. Thus, the possibilities of choosing the incorrect person escalate. It's possible for you to write the job winning resume only in case you have thorough understanding of resume writing. You can't receive any job that sounds awesome but you've got to consider practically and choose which has the very best chances of your having. You are able to later prove your work suitability at the right time of the personal interview. New Step by Step Roadmap for Resume Now, create your curriculum vitae with the support of the above discussed tips and you'll surely get a call for an interview. Resume writing objective is a significant portion of the resume, without it resume won't leave its effect on the recruiter. You should know what things to have in your curriculum vitae and what things to avoid. A beginners curriculum vitae cannot be very elaborate. Your resume is supposed to secure you a work interview. You are interested in work. The primary aim of yours while you search for a job which you must search for that ones, that are the absolute most close to what you desire. If you're making a resume for employment and wish to come into the opinion of the hiring manager then you must highlight your abilities.

Learn The Career Path Of A Technical Sales Representative - Work It Daily

Learn The Career Path Of A Technical Sales Representative - Work It Daily Considered pursuing a career in sales? This interview will take you down the career path of a technical sales representative, including the ups and downs you can expect, what it takes to land the job, what you can expect to earn and more. This is a true career story as told to Latpro and is one of many interviews with sales professionals which among others include a product manager, a president of marketing, and everything in between. As a technical sales representative, I sold semiconductors to major accounts in the telecommunications industry. For one and a half years, I trained and sold semiconductors to one single account. Because the product and sales cycle was long, I needed patience, technical savvy and a consultative nature. As a black woman, I was more affected by being one of the few women on the team than by being black. Our office was mixed. There were three African Americans and four women in the office. However, there was only one woman in the office that held a position to mine. The other two women worked in reception and inside sales. The office was dominated by men, both black and white. I never noticed any discrimination in the office. My direct manager was a black man, who was extremely jovial. His manager was a black man, who listened well and enjoyed talking. His manager was white, and I never had much interaction with him except on occasion. My peers were mostly white men and one white women. Rather than discrimination, there was more reverence for people in certain positions. Competition among team members was also fairly high. During the initial stages of my position, I had joint responsibility with one of my teammates. Daily, we would meet with our customers to determine how the product was working with their current design or determine their expected demand for the coming product introduction. The customers asked us technical questions about the product and made requests that would make the product integrate better with their current design. Each day, our goal was to ensure that the customer selected our product solution over the competitor. This was not always easy, because frankly, we did not always have the best solution. However, we worked to change our technical specifications to develop an optimal solution. We also met with our product planners to help them plan for potential demand since the product required three months to develop from the order time. Many people that sell products think they can also sell semiconductors. While soft sales skills are required, the technical understanding of VLSI circuits and the development process can be complex and requires a technical background to understand the details of the specifications, speeds and connections. On a scale of 1 to 10, I would rank this job an 8. The perks were great and entertaining the clients was fun. However, being bombarded by a host of technical questions was somewhat challenging at times. There was also the stress of making or exceeding a quota as a team. I think that I needed more confidence in my technical ability as it related to my specific job duties. I never really considered semiconductor sales as my calling in life. I wanted to work in semiconductor sales to learn more about the semiconductor process. Then, I would transfer the skills later to obtain a Ph.D. in Biomedical engineering, as well as, an M.D. for research purposes. Semiconductors were the foundation of electrical neuron designs that mimicked biological neurons. Electrical neurons would eventually be implanted into the body. I wanted to strengthen my skills in semiconductor technology. This company had some of the best semiconductor plants and clean rooms in the industry. There was never anything particular about semiconductors that moved me when I was working. The implications of the technology were fascinating. The technology is much more advanced today. As the footprints grow smaller, one could only imagine what a semiconductor will be capable of. After college, I needed a break. I was basically a double major in addition to Pre-Med. I wanted to earn some money before going to medical school. I interviewed with several corporations for software engineering, design engineering and technical sales. I was awarded offers in all three categories, but it was tough for me to decide. Technical sales combined both sides of my personality, so I chose it instead. With sales, I did not have to be stuck in a lab or office all day long. I needed autonomy, and technical sales provided flexibility. I was young when I started working. I allowed a personal situation in my life to affect me on the job one day, although I do not think anyone noticed but me. I decided that if I were going to deal with personal situations during the work day at work, I could not allow it to affect the quality of work I produced. On the day I received unsettling news in the office, I quietly excused myself. I also learned to be prepared and then, prepare some more. In the heat of competition, some people will do anything to win a competition for the best presentation. When a career presentation is on the line, always be aware of your co-workers intentions and plans. Their actions may make you appear less than prepared or knowledgeable. In my instance, specifically, two of my co-workers decided to play some music during my presentation and reenacted a commercial or movie clip for comic relief. I was not fully aware of what they were planning to do and their full-frontal body bumps caught me off guard during my portion of the presentation. That song, “The Night at the Roxbury” still haunts me to this day. I switch the station whenever it comes on. School does not adequately prepare you for how a specific company does business. A student may learn software in college, and the professional version is 180 degrees different from college training. College demonstrates that you have an aptitude to learn. The experience is a strong indicator of what the person will do to succeed on the job. However, the skills are not one-to-one transferable. I got up to go to work because I had bills to pay, and because it was what I was taught to do. I did not advance far enough in my position to accomplish anything particularly noteworthy. I did, for the most part, like the people in my office. My direct manager was easy to get along with, and he was accessible. I had a stronger relationship with his manager, however, and would have liked to work with him more. In fact, most people in the office were nice, on the surface, at least. Sometimes, it is difficult to gauge someone’s true intentions. I studied electrical and software engineering. I was most frustrated that the company was slow to adapt new ideas. The company was conservative in terms of change. However, new leadership has changed their attitudes towards new advancements. I made approximately $70,000 with a company car and other perks. I had two weeks of vacation, but never took advantage of it. For a single person, the salary was adequate, but taxes were unbelievable. After paying rent, saving for 401K, paying health insurance and paying for other job-related expenses, there still was not a whole lot left over. I also did not live a miserly life. Overall, the job was satisfying in many ways. JustJobs.com is a job search engine that finds job listings from company career pages, other job boards, newspapers and associations. With one search, they help you find the job with your name on it. Read more » articles by this approved business partner | Click here » if you’re a business Career path image from Shutterstock Have you joined our career growth club?Join For Free!