Tag: CV

Save Money Like Chinese Do

Are you one of those people, constantly in lack of money and you do not know how to save? According to BBC Capital, your background could have a lot of influence on that.

It is said that the amount people save usually depends on their location and nationality. For example, residents from US are said to save one of the smallest amounts compared to other countries: they save only 3,2% of their income.

According to collected data, Australians usually save about 11% of their income but Chinese seem to have surprised researchers since they tend to save over 50% of their monthly income.

High Expectations

China’s culture has a lot of written and unwritten rules. One of the unwritten rules is for young and unmarried men to earn and save enough money for the apartment, as men are expected to have their own property by the time of their marriage. The other reason for a relatively extreme saving is Chinese welfare system, as there is no pension funds over there and that is why Chinese tend to save as much as possible for the future.

How Much Is Good Enough?

Specialists recommend to save enough money in case of extreme situation. In such case you have enough money to live for 3-6 months without any expected income. The amount can be calculated easily: you only have to check the amount you spend during a month for all your needs, multiply the amount by 0.9 (since an individual in such situation is expected to spend 10% less) and then multiply it 3-6 times (=months). The amount you get is the amount you need to save for a “rainy day”.

Timing

You might think that such amount, that you have just calculated, is impossible to save. At least not as soon as you probably would like to. Your decisions and abilities in this case, certainly, depend on how much money you earn, how many leases do you have, how do your bank statements look like and whether you are in a debt for someone. Yet it is not too hard: imagine you earn and spend 15,000 kr a month. The amount for the three months with limited needs would be 40,500kr (15,000* 0.9 * 3). Therefore, if you want to save the amount you need within a year, each month you have to save 3,375 kr.

Saving money is not too hard as you might think. Do it automatically. The best would be to have 2 bank accounts, out of which one would be meant for saving purposes. Make an automatic bank transfer to this account from the one you get your salary.

If you feel you cannot save that much money from now, start doing so with the small amounts: take away 100, 200 or 500 kr a month into a savings account. Psychologists claim that once you will notice the raising amount, you will feel the excitement and willingness to save more. If you get promoted and your salary has risen, do the same with the savings transfer: be generous to yourself and save a little more. Remember, that this account is meant for saving purposes when you have an extreme case in your life and do not touch it for entertainment purposes.

Based on article from Ekonomika.lt

Artistic Courses In Aarhus – Express Your Inner Artist

Have you discovered the painter in yourself yet? If you, being a child, would paint every single white part of a paper (or a house…) or would always request others to let you sing a song, you are welcome to get some professional knowledge within artistic area in painting, singing, and, generally, anything creative in FO courses.

http://www.flickr.com/photos/desiitaly/

http://www.flickr.com/photos/desiitaly/

I remember I would struggle finding creative activities in Aarhus, especially when I just moved there. I somehow thought that artistic teaching is probably less important in Denmark, especially since there are so many young people mainly focusing on business-related courses that their forget the inner artist in themselves.

When I found an option to explore my inner artistic talents, I began to question myself whether I would dare to go somewhere, especially if other attendees are Danes. Yet one thing I’d advice – even if you are not an artist (and do not feel courageous or “artistic enough”) yet have an immense dream to learn something new and challenge yourself in a creative way, artistic courses in FO could be a good option. Especially if you want to get a real value for money. The price depends on your status whether you are employed, unemployed or studying (other options available as well, depending on your age and social status). If you are unemployed or studying, you can expect to get a discount for a chosen course. The price would generally vary from about 75 DKK to 500 (yet there are some more expensive courses), depending on the length and intensity.

FO house, which is located in the very center of the city, also provides an opportunity to purchase a gift certificate for a certain amount of money, that you decide upon. Isn’t that a great b-day present idea?

For more information about creative courses in Aarhus, visit http://www.fo.dk/kreativt/ and http://www.fo.dk/musik/

Tip Of The Week: Education VS Experience

“If you do not have a lot of experience, employers usually are more interested in your education and achievements”, says project manager Anette, who is working at Career Centre in Aarhus University. In this certain case one should know the trick that writing your education first and experience after can change the focus point of the employer.

 

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http://www.flickr.com/photos/[email protected]/

Looking from employers perspective

One has to realize that while applying for a job, you have to look at the job advertisement and adapt your CV accordingly. There are no perfect templates that can help you to write the perfect CV. “Whenever you are in a doubt, always think about the employer. Think what would be relevant for him to read. From student’s perspective everything seems relevant, however, since you are writing it to an employer, think about what he would like to see”, advises Anette.

Things to be aware of

“To be honest, once I saw a CV where the student wrote that he participated in a number of different projects, but he did not mention that it was via his school. It is important to be honest in your CV both in terms of education and equally important in work experience.  For example, if you have had a lot of experience working wih project in school it’s good to include it in your CV, but remember to write that it was a school project.”, explains Anette.

Things to remember:

-       If you do not have any (or very little) working experience, write your education and achievements first;

-       If you have a lot of experience related to the job you are applying for, write your experience first and education afterwards;

-       Think about what is relevant for the employer, and adapt the CV emphasizing the requirements for the job advertisement.

Tip Of The Week: Write About Your Student Job

Are you moving forward in your career? Have you just finished (or are finishing) your education and are not sure whether you should include a student job on your CV or not? Anette, who is working as a project manager of an internationalization project InterResource at the Career Centre at Aarhus University, suggests that you should include your student job in a CV if you do not have other career-relevant jobs. “In Denmark it’s never embarrassing to include your student job in a CV,” says Anette.

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Purpose of the CV

Anette, who finished a degree in Business Administration and Psychology at Aarhus University,  counsels many students in writing a good CV as part of her job. What is the key to writing an outstanding CV, you might ask? According to Annette, before writing your CV you should definitely spend some time thinking about the purpose of it, which is a quick overview of your past and focus on your experience as well as the results of those experiences.

Student job – write it or not?

Since a CV must contain only relevant information in regards to the position that one is applying for, the question of writing about the student job appears. “When talking to students I sometimes look at their CVs and I see that it contains very little information. When I ask how come they don’t have a job, it turns out they all do, but they think it is embarrassing to write that they have a low-class job,” says Anette. “However, I wouldn’t agree. Studying and working at the same time shows that you are very dedicated.”

Whether you should or should not include your student job in a CV depends on how many years of experience you have. “When you have a few years of experience it becomes more important to emphasize what is related to the position you want to get. But you have to keep in mind, in case you do not have a lot of relevant experience, it could be a good idea to write about the student job. It is better to write that you have some experience, even if it not directly related to the job you want to get, rather than have a gap in your CV,” explains she. “In this case, an employer might think that you have never had a job. And remember: in Denmark it’s never embarrassing to include a student job in a CV.”

Edited by Shelby May Sorenson