Searching for a job when you are already employed is a tedious task. You do not want to get caught by your boss while you are looking out for jobs on your computer at work. Here are 4 different job search strategies that will help you find a job while you already have one in hand. Call out to your network References always help you to get a job. Secondly, it is an effective way of increasing your chances that your resume will be viewed and you might get an interview call. Hence, in order to keep your job search a little low, it is good to connect socially to your networks and let them know that you are looking for new job opportunities. You can also search various social networking sites to find your dream job. In these networking sites, you can find a number of contacts who can help you pass your resume to the right person. Do not use the work computer It is often seen that we tend to use our work computer for every purpose. But you need to be careful to not use the same for job search. Although it is hardly possible for your company to trace all your searches, but it always beneficial to refrain using your current company's laptop or computer for job search. You should also ensure that you use your personal email address and store your documents on your personal laptop. Be strategic while scheduling your interviews One of the most important things is to strategize your interviews carefully. It will not be very difficult for your reporting manager to notice that you have started taking too many leaves, or started giving excuses too often. It should be noted here that you can schedule the interview at early in the morning, during the lunch hours or after your office hours. In this way, you will be cutting down the suspicion. One should also see to it that you resist accepting any invite immediately from the recruiter. If you fit the candidature, then the recruiter can reschedule the interview at a mutual time and date. Tap the digital way of job search There are a number of mobile phone apps, which are helpful in job search. Instead of looking for a job on your computer, you can always download the popular job search apps on your Smartphone or Tablet. These apps also offer you the option of saving the jobs and applying at a later date. You can also customize your job search as per your years of experience, expertise, skills, educational qualification, location, to name a few.

One of the best investment moves you can make is to open a Roth IRA account when you are planning your retirement. It is a legal tax shelter and you will contribute money that has already been taxed. Hence, you will not be taxed again when you withdraw the amount. The interest earned on it is tax-free as well. You only need to keep the money in the account for a certain period of time and upon your retirement, you can withdraw the money, which goes straight to your pocket without any deductions. Top Roth IRA funds for 2018 It is easy to open an account and invest in the IRA fund. Choosing the fund can be a little difficult. However, there are a number of options that will help you maximize your wealth.

• Vanguard High Dividend Yield This fund generates high income and keeps an eye on the index of stocks that have an above-average dividend yield. It is top heavy, which means the biggest stocks make up a significant percentage of its assets and its top holdings including large stock companies. It is a high dividend yield fund, which means before you retire, the dividends will assist your investment compound quickly and you will be able to take complete advantage of the tax benefit of the IRA. It may offer a reliable stream of income after you have retired. This retirement planning fund has a low expense ratio, which means you get to keep most of your gains.
• Vanguard Dividend Appreciation This is one of the top Roth IRA funds for generating income in the long term. If you are planning for your retirement dividend stocks are considered to be an ideal long-term performer in the market. They have an appeal for the investors who want their combination of income and growth to increase in the long term. This fund has high liquidity and a low expense ratio. It looks for stocks that have a strong track record of growing their dividend payouts over time. This strategy leads to significant dividend growth and above-average yield. It is for those investors who do not need maximum income right now but want to increase their chances of bigger payouts in the future and plan for their retirement.
• iShares Core S&P Mid Cap ETF The fund invests in smaller companies that have produced marginally higher returns than large caps. With this fund, most of the return is generated from capital appreciation rather than the yield. The fund has more than 400 companies and is downright cheap with a low expense ratio.

Investors need to have knowledge about the retirement annuity rates when making an investment decision during retirement planning. In order to generate higher wealth in the long run, it is important to start saving and investing at an early stage.

Being a new parent can be difficult with so many things to learn, understand, and do. Also, it is one of the best parts of your life and no matter how difficult parenting seems right now, you surely are going to miss it later on. With so many options out there, it can be confusing to choose the right kids' toys. Here is a guide that will help you choose the right toys for your kids according to their age. Toys for kids from 0 to 12 months Your baby will only observe the surroundings in the first few months. The child’s vision is still blurry in these early months and bright, bold patterns are easily visible. Most of the toys in these early months are designed in such a manner that they promote healthy interaction in many ways. Kids' toys that make a crackling noise or squeaking noise, toys that are soft, or toys that have a nubby texture are perfect for these early months. Some of the top toys for kids from 0-12 months are rattles, activity boards, floor gyms, small stuffed fabric balls, soft stuffed animals and dolls that are colorful and washable, and bright colored crib mobiles. Toys for kids from 12 to 24 months At this age, toys that are helpful for his newly acquired general motor skills are the best. Your baby is recently learning cause-effect and will love the toys that respond to their actions. Toys, where he hits a ball with a hammer like, are the ones he will enjoy at this age. However, you should avoid high-tech toys in these months and keep it as simple as possible. Some of the best toys for these kids are stacking rings, push-toys that make noise, pull-toys that make pieces pop up, hammering sets, shape sorters, small puzzles of only 3-4 pieces, rubber ducks, and toy boats. Toys for kids from 24 to 36 months This is the perfect time to choose kids toys that are not only fun but purposeful as well. Kids toys that require the use of general motor skills is essential during this age like puzzles or building blocks. This age is appropriate to give tech-toys like a doll that talks or a car that moves with the help of a battery. Also, push or pull toys are still what they will enjoy. Some of the best toys for your child at this age are dolls, stuffed animals, ride-n toys, toy telephone, a tea-party set, a doll stroller, transportation toys which honk as well, building blocks, puzzles, and even a tricycle if your baby seems ready.

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As soon as teens learn to the driver, they try to drop all sorts of subtle hints to their parents about the kind of car they want. This is the time that makes people quite stressed about what to get their kids. There are a lot of things to be considered before a first-time driver is allowed to hit the road. Safety is the most important factor. Then there is a budget constraint as well. Keeping all these things in mind, ideally, midsize cars must be bought for teens. Ensuring safety Before you make the purchase, it is essential that you check the safety ratings and crash test result of the car. You can never be too cautious. Thus, checking the safety features in the midsize cars must be the first thing to do. Buying insurance Getting your car insurance is another expense that you need to deal with after you bought the car. Insurance rate is higher for first-time drivers. Thus, it is a good idea to look for offers like good student discounts, accident forgiveness. Setting boundaries Everybody knows that giving a car to a teen is a risky affair. Thus, you must have boundaries when allowing your child to drive. For instance, set a time till which they can drive the car or make the usage of car strictly confined to school and work purpose. Consulting with the teen driver While buying a car for your teenager, check with them the features they would like to have in their midsize cars. You may have something else in your mind as far as the car is concerned. Both of you can come to an agreement before finalizing a midsize car. Finding the model and the dealer Once you have decided on the brand of car you need to buy for your child, find the different car models matching your criteria. The next step would be to find a dealership store to buy the car from. All these are incredibly easy if you just log onto the Internet. You can have any information about midsize cars that you need online.

For anyone who owns and uses a credit card, while the extension of credit is no doubt beneficial, a point of concern always is about the charges levied. When choosing a credit card processing agency to work with, try to sign up with processors who offer you the lowest possible markup rates for your specific usage requirements and the pricing model you opt for. Do not get mislead by offers of lower interchange and assessment fees as these are for the most part standardized among credit card processors and hence, non-negotiable. While all credit card processors operate under strict norms about interchange and assessment fees, what varies is the pricing method they offer to their clients. There are two commonly used pricing methods – interchange plus, also known as pass through and bundled or tiered pricing. The major advantage of the interchange plus pricing model is that regardless of the type of card or the process involved, the processor receives a standard fixed percentage. With interchange plus pricing, you receive interchange credits on refunded transactions. Also, interchange plus pricing gives you the advantage of benefitting from reductions in interchange rates whenever the legislature sanctions them. Under bundled or tiered pricing, the credit card processing agency offers qualified, mid-qualified and non-qualified tiers for pricing. This may also vary based on the type of card used. The flip side of bundled credit card pricing models is lack of transparency among some card processors especially about giving you information about which tier a particular transaction is being processed through. Sometimes, you may end up being a considerable amount of the standard assessment and interchange fees. The reason for this is that there is no standardization of how each tier is classified and often the mid and non-qualified pricing tiers may receive a greater proportion of interchange fees, thus raising your costs. Credit card processing fees are usually of three kinds – volume based, transaction fees or flat fees.