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In other words, the Basic Examples Cv Cover Letter, benefit of Sample Month Lease Templates | Download Free their risk-taking was all theirs and the consequences of their risk-taking would fall on the bank's shareholders. (Meanwhile investors, as James Surowiecki noted in Free Letter Examples | Resume Letter a recent New Yorker column, tend to underestimate their chances of losing their shirts.) Late last year, 200 economists#8212;including Sam Peltzman, who is now professor emeritus at Project Template Free, Chicago#8212;petitioned Congress not to pass its $700 billion plan to Free Basic Cover Letter Examples | Resume Cv Cover rescue the Sample Lease Templates | Download Free, nation's overextended banking system in order to preserve some balance between risk, reward and responsibility. Around the Free Basic Cover | Resume Cv Cover Letter, same time, columnist George Will pushed the leaders of the Big Three automakers into the same risk pool. Suppose that in Star-Template-Macarons 1979 the | Resume, government had not engineered the Template Resume Cv Example, first bailout of Chrysler, Will wrote. Basic | Resume Letter. Might there have been a more sober approach to Images On Pinterest | Award risk throughout corporate America? Now researchers are positing a risk compensation corollary: humans don't merely tolerate risk, they seek it; each of Cover Letter Examples | Resume Cv Cover us has an innate tolerance level of risk, and in any given situation we will act to reduce#8212;or increase#8212;the perceived risk, depending on that level. Bylaws Agreement,sample Draft Bylaws Agreement. The author and Free Cover Letter | Resume principal proponent of this idea is Draft Bylaws | Agreements.org, Gerald J.S.

Wilde, professor emeritus of psychology at Queen's University in Kingston, Ontario. Free Basic Cover. In naming his theory risk homeostasis, Wilde borrowed the 125 Best Health The Human Body Images | Life Science, word used for Free Basic Examples Letter the way we humans, without knowing it, regulate our body temperature and other functions. 10 Best To Try Images On Pinterest Certificates. People alter their behavior in response to the implementation of Free | Resume Cv Cover Letter health and safety measures, Wilde argued in Star-Template-Macarons his 1994 book, Target Risk . But the Letter Examples, riskiness of the Draft Bylaws Bylaws, way they behave will not change, unless those measures are capable of motivating people to Free Cover Letter Examples | Resume Letter alter the Draft Agreement,sample Bylaws, amount of Free Basic | Resume Cv Cover Letter risk they are willing to incur. Draft Bylaws Agreement,sample Draft Agreement. Or, to Free Basic Examples Letter make people behave more safely, you have to reset their risk thermostats. That, he says, can be done by rewarding safe behavior. He notes that when California promised free driver's-license renewals for crash-free drivers, accidents went down. When Norway offered insurance refunds to crash-free younger drivers, they had fewer accidents. Health Body | Life. So did German truck drivers after their employers offered them bonuses for Free Basic Cover Letter Cv Cover Letter accident-free driving. Studies indicate that people are more likely to stop smoking if doing so will result in June, | Real - Part lower health and life insurance premiums. Wilde's idea remains hotly disputed, not least by Free Letter Examples Letter, members of the auto-safety establishment. Wilde would have us believe that if you acquire a brand-new car with air bags, you will decide to drive your new car with more reckless abandon than your old one, says Anne McCartt, a senior vice president for June, 2008 Photography 2 the Insurance Institute for Highway Safety, a nonprofit organization funded by Free Basic | Resume Letter, auto insurers.

You will be unconcerned that your more reckless driving behavior will increase the Star-Template-Macarons, chances of crashing and damaging your new car because returning to | Resume Letter your previous level of Star-Template-Macarons injury risk is Basic Examples Cv Cover, what you really crave! Only abstract theoreticians could believe people actually behave this way. June, 2008 2. Still, even the institute acknowledges that drivers do compensate for Cover Letter Examples | Resume Cv Cover risk to some degree, particularly when a safety feature is Ms Word Picnic Flyer Template | Word & Excel Templates, immediately obvious to the driver, as with anti-lock brakes. But seat belts? No way, says McCartt. Cover Letter | Resume Letter. We've done a number of Month Lease Templates studies and did not find any evidence that drivers change their behavior while wearing them.

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How to Basic Cover Examples | Resume Cv Cover, Make a Resume: A Step-by-Step Guide (+30 Examples) For most people, writing a good resume is tough, and it takes time. And the worst part comes when you finally think that you have a great resume, but you're still not getting interviews. Wouldn't it be wonderful if you could figure out Star-Template-Macarons how to Free Basic Cover Letter Examples Cv Cover Letter, make a resume that would get you an interview almost EVERY time you applied for a job? It is if you follow the process that I am about to share with you step-by-step. And BEST of all, this resume writing process is quick, and it's proven to land you interviews. That's true even if you want to Health The Human Body | Life Science, write your first resume and have no experience, or if you're a professional who wants to know how to write a resume that stands out.

Here's what you're going to find: How to write a resume for a job with examples for every section. Quick but little-known tips to follow to get up to 10x MORE INTERVIEWS. Basic | Resume Cv Cover Letter? Answers to On Pinterest, all of your questions about Free Basic Cover Examples | Resume Cv Cover Letter, how to make the Ms Word Picnic | Word, best resume for Cover Examples | Resume Cv Cover Letter, a job. How to Draft Draft Bylaws, create a resume online that you can track and send to get more interviews.

A checklist that will help you make sure you know how to prepare a great resume. Here's an example of how to Free Basic Cover Letter Cv Cover Letter, make a good resume for work versus a great resume. 125 Best Body Images | Life? What's the Free Basic Examples | Resume Cv Cover, difference? Is it the way it looks? Not only. We've optimized the sample resume on the right to follow the advice that I will share with you in this article. So how do you make a resume? Let me show you step-by-step: Resume vs. CV. What's the difference?

Hello, blank page. Now, what? A resume is a document that showcases your work experience, education, and skills so that you can apply for Bylaws Draft Agreement, a job. What's the difference between a resume and a CV? Curriculum Vitae (CV) is Cv Cover Letter, a Latin phrase meaning course of life and is a document that entails much more than a resume.

Not only is a CV longer than a resume, but it showcases accomplishments and experience in Star-Template-Macarons, much greater detail. It's the ideal document for academics. So, knowing how to write an academic resume is knowing how to write a CV. If you need to Free Basic Letter, know more, read our guide: CV vs. Resume: What is the Difference?

When to Use Which (Examples) Once you know if you should write a CV or resume, it's time to 2008, choose the right format. How to Choose a Professional Resume Format. What does a resume look like? There are three types of professional resume formats: Most job seekers choose the reverse-chronological resume format. Here's what a sample resume looks like written in the reverse-chronological format: Traditional Familiar to Free Cover Letter Examples | Resume Cv Cover, Recruiters.

Experienced professionals can highlight skills. Career changers can emphasize transferrable skills. Uncommon and not as familiar to Ms Word Picnic Flyer Template Templates, recruiters. Not suggested for entry-level job seekers. Entry-level job seekers can emphasize skills instead of experience. Recruiters may think you're hiding something. Still not sure which professional resume format is Free Basic Examples | Resume, best for you? Need to see examples of resumes with different layouts? Read our guide: 3 Resume Formats: How To Choose The Best One [Examples] Contact Information Is Not as Basic as It Seems.

Despite the professional resume format you choose, your contact information goes at the top. Here is how to write a resume contact section: Adding your address is optional. It is no longer necessary to add it to a modern resume. Flyer Template & Excel? Plus, it might be better to exclude it if you are applying for a job that isn’t local. Your email address should be professional which means: Choosing a sophisticated email provider. Not using your current work email. Instead, create a professional, private email address.

Avoiding email addresses from Cover Cv Cover when you were in high school. It won’t amuse recruiters to see [email protected] or [email protected] . Okay, maybe it will amuse them a little bit, but they won’t call you for an interview. Adding URLs to your personal website or blog directs recruiters to your portfolio or extra work that you want to 125 Best Health | Life Science, show without cluttering up your perfect resume. Pro Tip: Make sure you review your social media accounts to check for Basic Examples | Resume Cv Cover Letter, unprofessional content. When you add a link to your social media profiles, make sure they're optimized to June, 2008 | Real Photography 2, give recruiters the best impression. Not sure how to optimize your LinkedIn profile to Free Basic Cover Letter Examples Cv Cover, attract employers? Read our guide: How to Optimize Your LinkedIn Profile To Get More Jobs Here’s How the Template Resume, Best Candidates Start Their Resumes.

Again, what does a resume look like? Well, you know that contact information comes first. But what comes next? Education? Experience? Does it matter where you put things when you're deciding how to Free Basic Cover | Resume Cv Cover, make a resume? The short answer is Star-Template-Macarons, yes, it does matter.

That's because your best stuff should go in Free Cover Letter | Resume Cv Cover Letter, the top third of Images | Award Certificates your resume. And the best way to Cover Letter Examples | Resume Cv Cover, start any killer resume is with an Star-Template-Macarons introduction to yourself. Think of it like this: The top of your resume is the penthouse - the most important piece of real estate on the document. Free Basic Cover Cv Cover? But why? The average recruiter spends six seconds scanning your resume in between reading Facebook messages from grandma, drinking coffee, and deciding what's for lunch. She is looking for very specific information, and she is only going to look for it in the top third of your resume. Ms Word Picnic Template | Word Templates? If you do not grab her attention - game over. That's why a creative resume summary or objective can save the Free Basic Cover Letter Examples Cv Cover, day.

Here's a sample resume: What is a resume summary statement? A resume summary is a short, snappy introduction that highlights your career progress and Star-Template-Macarons, skill set. Free Letter | Resume Cv Cover? It should also demonstrate why you'll be a valuable hire. Boyfriend Material experienced at laying coats over Star-Template-Macarons, mud puddles, opening doors, and pulling out chairs. Charming, funny, and a great conversationalist seeking to leverage 10+ years of experience delivering anecdotes to entertain you through boring social events. Free Basic Cover | Resume? Has an MA in hand holding and Projects On Pinterest | Award Certificates, a license to cook romantic dinners. What is a resume objective statement? A resume objective achieves the same thing as a resume summary. The difference is Basic Examples | Resume Letter, how you write one and who should use it.

Experienced Chef interested in becoming a Zoo Keeper. Ms Word Picnic Template | Word Templates? Tons of experience with picky clients who need to Basic Cover Letter | Resume Cv Cover, be fed with the right food at the right time. Want to apply my patience and understanding of complicated clients to taking care of angry lions at Star-Template-Macarons, the Zoo. This candidate chose an effective resume objective over Cover Letter Examples | Resume Cv Cover, a summary because he is changing his career from chef to zookeeper. Either way, the point is to focus on the employer's needs and not your own.

Who should use an objective for Health Body Images, a resume? Entry-level Applicants and Free Basic Letter Examples Cv Cover, Students Career Changers Professionals Targeting Specific Positions. You can also choose to 10 Best Projects To Try | Award Certificates, write something called a professional profile . Free | Resume? When considering how to write a resume profile, think of Images | Life Science it as a hybrid that crosses elements of the objective and the summary. A good resume profile lists your qualifications, experience, and education regarding the company’s needs and values. It can be formatted as a paragraph or as a list with resume bullet points. Wouldn't it be nice to have some resume examples of Free Cover Examples | Resume summaries tailored specifically to your profession?

Read our guide: A Resume Summary That Will Get You The Job [7 Secret Steps] How to Write a Resume Experience Section That's More Than a List. The first section that should appear in the body of an excellent resume is the section that will best show off your skills and accomplishments. For most of you, that will probably be the experience section. Let's say you're learning how to make a student resume, or have little or no work experience. In that case, lead with your education or skills section. But do you know how to write a resume employment history? When you start writing a resume experience section you will want to Bylaws Agreement,sample Bylaws Agreement, keep a few things in mind:

Write your job history in reverse-chronological order - start with your current position. Include around six bullet points describing the Examples, scope of your responsibilities. Tailor each of these bullets points to reflect the skills listed in the job description. Follow the bullet point format (see below), and 10 Best On Pinterest, include facts and figures. You should try to include achievements that show your professional impact.

Tell a career story that reinforces your professinal persona. Sample Resume Experience Entry: Spearhead a global brand strategy for our top performing product. Analyze market trends and recommend solutions resulting in Letter Examples | Resume Cv Cover Letter, a 10% upswing in Flyer Template & Excel, sales annually. Prepare Portfolio Deployment Plans. Head up a team of 10+ marketing specialists.

Organize marketing materials. Free Letter Examples Letter? Responsible for brand strategy. Responsible for analyzing market trends. Responsible for a team of marketing specialists. Now, what if you have career gaps in your job history or a habit of job hopping? Let’s face it. & Excel Templates? Not all of us have a pristine job history. And it's difficult to know how to Free Letter | Resume Cv Cover, create a resume that addresses career gaps without cheating. One approach is to include a brief explanation next to each job. By briefly stating that your stay became short lived due to downsizing or relocation, you will reassure the recruiter that you're not a risky candidate.

Chronic career hoppers may be tempted to tamper with dates, leaving only the years in their experience section: Excluding the months makes it look like you worked a year instead of three months. But it's a dirty trick that employers know well, which makes it a big no, no. Pro Tip: Feel free to Ms Word Template & Excel, list “non-traditional” work in your experience section - like volunteer jobs or freelance work. Is Your Education Section Underperforming? It Might Be. You should also write your education section of your resume in reverse-chronological order, with your most recent degree appearing first. Usually, you will want to include the Free Basic Cover Letter Examples | Resume Cv Cover, type of degree, your major, your university, and any honors or awards you received. You can skip your GPA. But if you're a recent college graduate who's making a student resume, it's okay to add your GPA if it's 3.5 or higher.

You can also include a coursework narrative. For professionals, the To Try Images On Pinterest | Award Certificates, inclusion of a coursework narrative is another way to reinforce a professional persona. Do you know how to Basic Cover Letter Examples | Resume Cv Cover, make a resume when you have a GED or didn't graduate? Not sure how to write a degree on To Try Images On Pinterest Certificates, a resume? We can help with that. Check out our article: How To Put Your Education On A Resume [Tips Examples] Why You Need to Free Basic Cover Cv Cover Letter, Focus on Your Skills Section. When you consider how to make a good resume that stands out , it has everything to do with sprinkling your skills throughout your resume.

But, it also makes sense to have a big section labeled “ SKILLS .” Use the key skills listed in Resume Outline Cv Example, the job description. This will also help you create a modern resume for a job that will pass through Applicant Tracking System (ATS) software. More about that later. Recruiters should be able to see two things when they look at your skills for Basic Cover Letter | Resume Cv Cover Letter, a resume: You have the 125 Best The Human Images On Pinterest, skill set they want and requested in Basic | Resume Cv Cover Letter, the job post. You have extra skills that prove you are a valuable worker. Do you want to know how to make a great resume for Ms Word Picnic Flyer Template | Word & Excel Templates, a job that showcases the best resume skills? I thought so.

Read our guide: What Skills To Put On a Resume [Examples + 6 Proven Tips] How to Add Other Resume Sections While Making an Effective Resume. Here are some additional resume sections you can consider adding if you don't feel the Free Cover Examples, traditional resume sections are doing it for Ms Word Picnic Template | Word & Excel Templates, you. Students and fresh graduates - you may want to Basic | Resume Cv Cover Letter, consider adding a separate section for awards or honors, or a section for Bylaws Draft Bylaws | Agreements.org, extracurricular activities. If you've got a technical background - you might want to consider an Free Cover Letter Examples | Resume extra section for certificates, licenses, or software. The Human Images On Pinterest | Life? Some professionals who have opted for making a resume for work over an academic CV might still want to add a section for publications or conferences. Others may want to Free Basic Letter | Resume Letter, add a section that shows off their command of languages or other achievements and June, 2008 Photography - Part 2, projects. Whatever you decide to add, just make sure that your additions don't overwhelm your resume. You still want everything to fit onto one page if possible.

No One Adds a Hobbies Section, But It Works So Well. The hobbies section of a resume is optional. But, I recommend adding one if you have space. Adding your interests shows off extra skills for Free Basic Cv Cover Letter, a resume, makes your resume stand out, and Projects To Try Images | Award, gives the hiring manager a fuller image of you. Your interests are also a way to make yourself more attractive and Cover Examples Letter, memorable to your potential employer. You can always cut this section later if your resume is Draft Agreement,sample Draft Bylaws | Agreements.org, too long. Not convinced? Well, it's true. Adding a hobbies and interests section can boost a contemporary resume. Find out how: Best Examples Of Hobbies Interests To Put On A Resume (5 Tips) How to Write a Perfect Resume Tailored to Free Basic Letter | Resume, the Job Description. Did you know that R2D2 might run a scan on your resume before a human does?

On average, a corporate job offer attracts up to Health Body Images Science, 250 resumes . Of those, 4 to Free Basic Letter, 6 candidates will get invited for an interview. And only Projects Images | Award one person will get the job. With that many resumes to Cover Letter | Resume Cv Cover, sift through, recruiters are using something called Applicant Tracking System (ATS) software. The software compares your resume to the job description based on keywords. Outline Resume Resume? How to prepare a resume that will make it through ATS? You need to tailor your resume. Tailoring a resume to Cover Letter Examples, the job description is adding keywords and information from the job offer.

For starters, you're going to want to make a master resume. A master resume is an updated version of all your work experience, skills, and accomplishments. When you sit down to Star-Template-Macarons, write a tailored version of your resume, you will pick and Cv Cover Letter, choose material from your master resume to match the specific job for which you are applying. To further tailor the content to Template & Excel Templates, the job description, you're going to add keywords that you find in the offer. Let's say you want to apply for a job as a copywriter. The job description says: Able to work on several campaigns at once, sometimes under pressure and often to Free Basic Cover Examples, tight deadlines. To tailor your basic resume, you will want to 10 Best Projects To Try, add some of the phrases verbatim to your experience section. Examples | Resume Cv Cover Letter? For example: Work on June, 2008 Photography - Part, several campaigns at once. To make it more powerful, you can add details such as the number of campaigns you can juggle at once.

Here is an example of a resume job description with all of the keywords highlighted along with a resume sample that we've tailored to match. Need more in-depth information about how to make a resume that's tailored to the job description? Need more resume samples? Read our guide: 6 Proven Tips On How To Tailor Your Resume To The Job Description How to Free Basic Examples | Resume, Prepare a Resume That Will Attract ANY Recruiter. If you're struggling with how to Ms Word Flyer | Word & Excel, make a good resume stand out, all you need to Letter, do is make things quantifiable. Wherever possible. To Try On Pinterest Certificates? Everywhere. Basic Letter Cv Cover Letter? Because using numbers gives the | Real 2, recruiter some tangible proof of an achievement. Here are some basic resume examples of achievements:

The hiring manager now sees quantifiable, specific proof of Basic Cover Letter your achievements. Using numbers also improves the Star-Template-Macarons, readability of the text, and draws the eye of the recruiter. No One Adds Achievements, But It Works So Well. Adding achievements to your resume is an extremely effective way of selling your skills and experience. All you have to do is add your achievements as resume bullet points in your experience section. You will want to use the PAR ( Problem Action Result ) Approach to writing your achievements: Here're a few right and wrong resume examples of how to write achievements: Problem : My previous employer wanted to increase revenue. Action : I created a new marketing campaign on Examples, Facebook.

Result : We saw an Flyer increase in sales by 15% and an increase in revenue by Basic Cover Letter Examples Cv Cover 10%. Not sure how to Star-Template-Macarons, quantify your achievements? Want more examples of accomplishments to Free Basic Cv Cover, put on Draft Agreement,sample Draft Bylaws, a contemporary resume? Read our guide: Examples of Professional Achievements To Put On A Resume [3 Tips] Turn Boring Words Into Action Words - Here’s How. How many times have you used the phrase responsible for in your experience section?

More than once? You may want to consider mixing up your vocabulary. Overusing words and phrases like “responsible for” or “manage” is Basic Letter Examples Cv Cover Letter, boring. Now, while you should avoid jargon and Star-Template-Macarons, empty words, action verbs can spice up your resume and make it stand out. Also, be sure to use the present tense when describing your current role.

Here're a few before and after resume examples: Pro Tip: Don't overdo it. You don't want to Free Basic Cover Letter | Resume Cv Cover, sound like a freshman English major flexing a large vocabulary. And avoid resume buzzwords like synergy. Trust me. The Best Candidates Know How to Show Their Career Progression. What makes a good resume?

CEO, Director, Manager - all you need is a big, impressive title, right? At this point, you probably figured out that knowing how to Picnic & Excel Templates, build a resume goes far beyond listing fancy titles. What really matters, is whether those titles are backed up by a story of career progression. For example, describing yourself as a social media manager won’t be credible if all you did was the marketing for your parent’s pizza place. You have to Cover Examples, show a steady progression into | Life a management position. Each former role should reinforce your place in Free Cover Examples Letter, the next one. Rather than repeating duties when you describe previous roles, write about the new tasks you took on when you advanced. Responsible for Star-Template-Macarons, the creation of a global brand strategy for Free Basic Cover Letter Examples | Resume Letter, a major category.

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If you find some embarrassing content on Basic | Resume Cv Cover Letter, a web page, Google suggests that it is best to contact the webmaster (owner) to have the image or content removed. Here’s the Most Common Myth About Cover Letters. A cover letter is still needed when you send a resume to a potential employer. Flyer Template? Up to 45% of recruiters will reject resumes without cover letters. So, even if you know how to write a resume, you can forget about landing the job if you don't send a cover letter. Your cover letter or application letter is where you can expand upon things that you need to keep brief on your resume. It also needs to Basic Letter | Resume Letter, be tailored to the job for Resume Resume Template Resume Cv Example, which you are applying.

As for resume references, they're the one thing you truly don't need anymore. So, lose the phrase references upon request. Okay, so you need a cover letter. Cover Letter Examples | Resume Cv Cover Letter? But do you know how to write an Picnic & Excel Templates application letter? And better yet, how do you write a convincing one? Read our guide: How To Write A Cover Letter [Complete Guide With Examples] Why Sending a Personal Message Can Be a Big Win. When you send your resume to a general email address like [email protected] , your resume is entering a swamp of identical messages from other candidates.

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Need to know how to write a resume email? We've got you covered: How To Email Your Resume To Get More Replies From Employers Once you've sent your resume, it's a good idea to track it. You can install a free sales tool like Mixmax or YesWare to help you. Knowing if recruiters have opened and read your email will enable you to Free Cover Letter Examples Letter, follow-up promptly or find different email addresses. Your resume is your passport to job interviews. And knowing how to make a resume for Resume Resume Template Resume, a job is the first step on any career path. So, take the time and Free Examples, energy to think about how to write a resume well and Star-Template-Macarons, how to tailor it to the job description. If you can do that, you're well on Free Examples, your way to Draft Bylaws Agreement,sample, the next level - the Free Cover Letter Examples Cv Cover Letter, interview. Bonus: Check out our ultimate checklist of Resume Cv Example 56 things you need to do before you send your resume. How many have you missed?

Download: “Resume 101 Checklist.” Are there any great resume writing tips we need to include in the article? Do you have any questions about how to make a resume for your position? Add a comment. Free Cover Examples | Resume Cv Cover? I’ll be happy to answer. Natalie is a writer at Uptowork. She loves writing about resumes and eating tacos more than life itself.

She spends her free time reading complicated novels and binge watching TV series.

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As Populations Age, a Chance for Younger Nations. YOU MAY KNOW that the world’s population is aging — that the number of older people is expanding faster than the number of Free Basic Letter Examples Cv Cover young — but you probably don’t realize how fast this is happening. Right now, the Outline Resume Cv Example Resume Cv Example, world is evenly divided between those under 28 and those over 28. By midcentury, the median age will have risen to 40. Demographers also use another measure, in addition to median age, to determine whether populations are aging: “elder share.” If the share, or proportion, of people over 60 (or sometimes 65) is growing, the Free Basic Cover Examples | Resume Cv Cover, population is aging.

By that yardstick too, the world is quickly becoming older. Star-Template-Macarons! Pick any age cohort above the median age of 28 and you’ll find its share of the global population rising faster than that of any segment below the median. By 2018, 65-year-olds, for example, will outnumber those under 5 — a historic first. In 2050, developed countries are on track to have half as many people under 15 as they do over Cover | Resume Cv Cover Letter, 60. In short, the age mix of the world is turning upside down and at 125 Best Health The Human Body Images On Pinterest | Life Science unprecedented rates. This means profound change in nearly every important relationship we have — as family members, neighbors, citizens of nations and the world. Aging populations also alter how business is done everywhere. The globalization of the economy is accelerating because the world is rapidly aging, and at the same time the pace of global aging is quickened by the speed and scope of globalization. These intertwined dynamics also bear on the international competition for Free Basic Cover Letter Examples | Resume wealth and power.

The high costs of keeping our aging population healthy and out of poverty has caused the United States and other rich democracies to lose their economic and political footing. Countries on the rise amass wealth and geopolitical clout by refusing to bear those costs. Older countries lose work to younger countries. To see this process at Resume Resume work, look at China. Free Basic Cover Examples | Resume! In its march to prosperity, the country has encouraged hundreds of millions of its young people to move into Star-Template-Macarons cities. Chinese metropolises — some, like Beijing, ancient but newly sprawling, others, like Shenzen, built from scratch — are where the factories are.

Foxconn Technology Group, for example, the giant electronics manufacturer that builds components for Cover Letter | Resume Cv Cover Dell, Hewlett-Packard and Apple in gigantic plants in Shenzen and elsewhere in urban China, will soon employ enough people to fill 60 percent of the jobs in Manhattan. Foxconn has close to 920,000 workers, nearly all of whom are under 25; in August, the company announced plans to add 400,000 more workers in Outline Resume Resume Cv Example the next year. But China’s is a kind of Dorian Gray economy, its young and footloose global identity hiding a grayer reality. By and large, older workers have been excluded from its remade, globalized economy. They are left behind in their rural villages, or they are pushed from Basic Examples Letter their urban homes into Images the ghettos of dour apartment blocks on Free Basic Cover Examples | Resume Letter, the urban edge to make room for the new apartments and offices occupied by younger urbanites and Star-Template-Macarons the companies eager to hire them. Discrimination — “age apartheid” might be a better term — is one way to describe what’s going on here: no country sorts its population more ruthlessly by age. The problem for China is that it is rapidly approaching the point after which it will no longer be the Basic Letter | Resume, relatively young country we see today.

In 2015, China’s working population below the age of Star-Template-Macarons 65 will begin to shrink. Meanwhile, the number of people over 65 will be rising to 300 million by 2050, a threefold increase. Richard Jackson, the director of the Global Aging Initiative at Letter Examples | Resume Cv Cover the Center for Strategic and International Studies, notes that China will be older than the United States within a generation, making it the first big national population to 2008 | Real Photography, age before it joins the ranks of developed countries. One of China’s biggest fears, expressed repeatedly in public pronouncements, is that it will grow old before it grows rich. To avoid this fate, China is Letter Examples Cv Cover, doing all it can to Flyer Template & Excel, lure the world’s production and capital while its work force is young. Free Cover Letter Examples | Resume! In large part, it does this by denying meaningful pensions and health care to its people today. Not only do the vast majority of elderly Chinese have little more than their meager savings, but today’s workers have pensions so measly as to be irrelevant.

To keep the cost of manufacturing in China low for the rest of the Photography 2, world, the young Chinese work force is, for Free Basic Examples | Resume now, rarely provided more than token pensions, health care or disability insurance. In aging, developed countries, older workers with long tenure are usually at their peak in terms of pay and the cost of their benefits. 125 Best The Human Body! Here in the United States, for example, health care costs for workers who are between 50 and 65 are, on average, almost two times what they are for their peers in their 30s and Free Letter Examples | Resume Cv Cover 40s. When the median age of workers climbs in Star-Template-Macarons the United States, so does the cost of insurance their employers must buy for them. China’s leadership clearly believes its young workers would lose their allure if the future costs of old age were added to their costs today. When state-owned companies trimmed their ranks of tens of millions of workers following the country’s transition to a market economy, older workers — many only in | Resume Cv Cover Letter middle age — were often let go with small pensions and Ms Word Template | Word Templates replaced by younger workers. So what China offers now is Free Letter Cv Cover, workers with short tenure and negligible benefits (as well as something of a free social safety net in the form of all the relatively young, physically fit grandparents who move in with their children to care for their grandchildren). Companies that move production to China or buy goods from Chinese suppliers gain the leverage they need to rewrite the terms of employment with their older workers at home or the ability to push those workers off the payrolls altogether.

In a 2006 analysis of 125 Best Health Body On Pinterest how aging work forces influence global flows of capital, the economists Ronald Davies and Robert R. Free Basic Letter | Resume! Reed noted that because “older” economies have smaller work forces and Images | Award Certificates higher wages, they push investment to Free Basic Letter Examples | Resume Cv Cover Letter, younger economies, which offer higher rates of return. And high costs in older economies reach beyond wages — into taxes, which are used to Health The Human Body Images | Life Science, pay for age-related public spending like social security. China’s youthful labor force thus helps the country maintain its low-cost economic ecosystem and attract foreign investment that seeks the higher returns a “younger” economy offers, whether or not any particular pot of foreign money goes to employ young people. China is not the only country in which a young labor force attracts global businesses and investors. Much of the developing world, particularly in Asia and Cv Cover Latin America, operates the Ms Word Picnic Flyer & Excel Templates, same way. An outspoken champion of outsourcing, Nandan Nilekani, a former head of Infosys, the Indian technology giant, is well known for promoting India as a place to corral young workers in an otherwise aging world. Call it “global age-arbitrage.” THE OTHER PART of the feedback loop, the Free Basic Letter Cv Cover, role globalization plays in speeding up how fast a country ages, is tied to Draft, the two big reasons that populations grow older. First and most obviously, more and more individuals are living longer than ever before. Average life expectancy is increasing nearly everywhere. Longer life is itself a kind of Cover Letter | Resume Cv Cover Letter byproduct of globalization, the result of the worldwide exchange of public-health technology, medical breakthroughs and, perhaps the most life-giving development of all, the spread of literacy.

Every person who can read has access to the world of health information, including Internet sites and government pamphlets on diseases. Countries educate their people in order to make it possible for them to enter the mainstream of global commerce and that extends their life spans — making the countries older. Above all, however, for communities or countries to age, people must have far fewer children. Today, almost no place in the developed world has a total fertility rate of 2.1 children, the replacement rate needed to keep a population from declining. The population of nearly every developed country is expected to shrink before midcentury. When emerging nations gear up for the global economy, they tend to take two steps that encourage smaller families: they extend educational and employment opportunities to young women, and they urbanize.

Urban women postpone having children until they are prepared for and established in their jobs. Rearing children in the city is also more expensive. Cities serve the global economy, and 125 Best Health Body Images the global economy drives people to cities. (According to the U.N. Population Fund, about Basic Examples Cv Cover half the world’s population was urban in 2007, but by 2030 nearly 80 percent of Star-Template-Macarons it will live in Letter Cv Cover Letter the cities of the 125 Best Body Images On Pinterest | Life, developing world.) The world gets older. Such urbanization and globalization can take hold with remarkable swiftness. Japan was one of the Free Examples | Resume, youngest countries in the world until around 1950, and now its population is arguably the world’s oldest. (Its median age will exceed 56 by midcentury, up from 43 today.) The median age in Western Europe today is just over 40; it will rise to near 50 by 2050. Population aging did not always happen so quickly. France was the first country in the world to see its share of Bylaws Draft | Agreements.org 65-year-olds double, from 7 percent to 14 percent; this took about 115 years, starting in Free Basic | Resume Letter 1865. But China will experience the same doubling in 25 years.

One exception is the United States. The country is subject to The Human Body Images, the same two big trends — longer lives, smaller families — that are aging much of the world’s populations, but we are not growing old as fast as countries in East Asia and Free Cover Letter Examples Cv Cover Western Europe. Our median age will climb only 3 years, to 40, by 2050, a rate slowed by the arrival of young immigrants, including millions from Latin America. Of course, immigration for one country means emigration from another — and an older population left behind. | Word & Excel Templates! Spain, which rivals Japan as the Letter Examples, world’s oldest country, was for much of the 20th century one of the youngest nations in the West.

Before 2000, it had virtually no foreign-born residents. Today, nearly 12 percent of Star-Template-Macarons Spain’s population is foreign born. Among the arrivals are hundreds of thousands of Ecuadoreans (many of Cover Letter Examples Letter them female caregivers for elderly Spanish) whose absence at home increases the 10 Best To Try, median age of Ecuador’s population. More than one in 10 Ecuadoreans has left in Basic Cover Letter Examples | Resume search of work, and the loss of so many of the country’s youngest and most enterprising workers means Ecuador has little chance of developing. Recently, its president initiated the Welcome Home Program to lure emigrants back with tax breaks and money to Ms Word Picnic Flyer Template, start businesses. How do globalization and Free Examples | Resume Cv Cover an aging population affect the American workplace? According to June, 2008 | Real Photography - Part, the Economic Policy Institute, 2.3 million American jobs were lost to China alone between 2001 and 2007.

Susan Houseman, an economist at the Upjohn Institute for Employment Research in Kalamazoo, Mich., notes that older employees in manufacturing jobs who are low-skilled have been among the most vulnerable workers of all. And when older workers lose their jobs, they search longer for new ones than people do in other age groups. They find it hard to remake themselves with new skills and grow less employable over time and more desperate to accept low pay. Basic Letter Letter! This, along with the prospect of additional outsourcing abroad, drives down the earnings of those older workers who manage to Ms Word | Word & Excel, stay employed. Letter Examples | Resume Letter! Looking at data ending in 2002, a team of researchers including economists from the World Bank and June, Photography - Part the National Bureau of Economic Research found that older workers suffered greater income losses because of foreign outsourcing than women and Free Basic Cover Letter Examples Cv Cover union workers. Keep in mind that these results predate the recent recession and Star-Template-Macarons the even more difficult times that have resulted for older workers. The ranks of the unemployed who are 55 and older grew 331 percent over the decade that ended last December.

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According to the AARP Public Policy Institute, 21 percent of workers over 65 are part time, compared with 16 percent for the overall work force. Self-­employment is also climbing among older workers, and Americans over 50 are the most active group of entrepreneurs, often out of Free Basic Cv Cover necessity. This partly explains an apparent contradiction: at the same time that unemployment among older workers is at a peak, the Star-Template-Macarons, percentage of older people with jobs is also near a high, because more people must work to Free Examples Cv Cover Letter, make ends meet. In the United States, the Star-Template-Macarons, transformation of older workers into a giant contingent work force is just getting started. This year, as baby boomers begin to hit 65, the “elder share” of the U.S. population begins a sharp climb. From 2010 to Free Basic Cover Letter Letter, 2030, the number of Americans between 25 and 64 will climb by 125 Best Health The Human Body | Life Science, 16 million, but two-thirds of the increase will consist of people 55 and 64. Countries that are older than the U.S., that are further along in reshaping their workplaces, give a glimpse of the future. In Japan, retirees from the biggest companies are well provided for, but for many of the rest — workers at smaller companies, the self-employed — the fear of outliving their money is real. One in five elderly Japanese lives in Basic Letter | Resume Cv Cover poverty. So the Japanese stay on the job when they can.

Since 2006, the number of Japanese still working after the customary retirement age of 60 has risen by more than 11 million. Most are officially retired but are back at their companies, under contract. They typically earn about half their former wages. WILL THE WORLD ever grow young again? Perhaps, but not anytime soon. Today, many of the places that are growing old the fastest are in the developing world, largely because that’s where urbanization is most rapid. It is hard to conjure a situation in which people move back to Picnic Flyer Template | Word & Excel Templates, the countryside and again have larger families. Instead, if past is prelude, today’s young countries like China will be the countries that in the not-distant future go shopping for younger workers in younger places. Those places will be transformed by satisfying an older China’s needs, and the cycle will repeat itself: when the world finds its next young place, that country may well age even more quickly than the formerly young countries that preceded it. The rough adjustments that global aging imposes on populations can sound bleak.

Nonetheless, the | Resume, challenges do not trump what we gain by 125 Best Health Images | Life, living longer. Free Letter Letter! Remember, too, that smaller families enable parents to make greater investments in themselves and the children they do have. Still, as the world gets older, we need to anticipate how this extraordinary change might undermine our communities, weaken nations and push able older people to the side. Star-Template-Macarons! There are also sobering geopolitical consequences to Free Cover Cv Cover, consider. It now looks as if global power rests on how willing a country is to neglect its older citizens. Faults in the welfare states of the West are highlighted by the world debt crisis.

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