How to Write a Successful Resume

Applying for Unemployment

Job seekers in the United States can increase their chances of securing work by submitting a well-prepared employment application. An important component of every job application is an eloquent and engaging resume. To get assistance with resume writing, you can use various websites that are specifically designed to alleviate the job-hunting process. Some of the most comprehensive online sources that offer resume writing help include the USAJobs and the CareerOneStop government websites.

USAJobs, the official search engine for federal jobs, offers a simple yet efficient resume writing tool called the Resume Builder. Meanwhile, the Department of Labor (DOL) provides a comprehensive resume guide through CareerOneStop, its official job search webpage. To participate in a more practical writing workshop, on the other hand, you can contact one of the DOL’s American Job Centers in your vicinity to inquire about upcoming resume writing classes. Finally, if you choose to write your curriculum vitae without any assistance, you can employ several general tips regarding the appropriate structure, language and length of an effective resume.

Read the below sections to learn how to write a resume and to review several helpful sources for resume writing in the U.S.:

  •  General tips for writing a strong resume
  •  The benefits of the CareerOneStop and USAJobs resume services
  •  The American Job Centers’ resume writing workshops


General Tips for Writing a Strong Resume

Prior to submitting an application for a job, you can utilize certain resume writing tips to increase the effectiveness of your CV. As employers generally browse through numerous resumes when filling a vacancy, yours must make a strong first impression. For example, CVs with common mistakes, such as grammatical and spelling errors, are typically dismissed without a thorough evaluation. To ensure the success of your resume, follow the below general writing tips:

  •  Abide by the employer’s specific submission requirements, and use a professional email address.
  •  Adapt your resume to the needs of the business and the requirements of the job.
  •  Be concise and only include information relevant to the vacancy. Provide detailed specifics about your past work experience in a clear and direct manner.
  •  Correct any spelling or grammatical errors. Include other educational experience, aside from your formal degrees.
  •  Add any additional information which will increase the value of your application in a separate section.

The data you provide with your resume must be presented logically and in chronological order. The length of your resume must not exceed more than two pages, and you must use a clear font in an adequate size. Other important formatting factors include: using wide margins, arranging your information in bullet points and writing your headings in a bold or italic typeface.

The Benefits of the CareerOneStop and USAJobs Resume Services

Users of the Department of Labor’s CareerOneStop website also have access to its extensive Resume Guide, which offers step-by-step instructions for compiling a persuasive resume. The manual provides general tips on writing and formatting, along with sample resumes from other job seekers. With the guidebook, you will also learn how to market your resume on various social media sites, such as Facebook and LinkedIn.

Some of the topics covered by the CareerOneStop’s Resume Guide include:

  •  The advantages of a well-written resume. Strategies for writing an effective curriculum vitae.
  •  The importance of gathering data about the job and the employer.
  •  Aspects of the resume writing process, such as the basics, the first draft, editing and design.

If you are searching for government employment through the USAJobs webpage, on the other hand, you can use its Resume Builder tool. However, prior to using the CV builder, you are required to create a USAJobs account. You can either upload an already existing resume and amend it or start composing a new resume.

The Resume Builder is composed of several sections. In the first part, you are required to enter your past work and educational experiences. You can enter data for each of your previous jobs in separate entries. Then, you can add up to five different references in the second section. The last part of the builder is reserved for any additional relevant information, such as job-related skills and language skills.

Note: You can save your progress and complete remaining Resume Builder fields later. If you gain additional work and educational experience, you can always edit your resume and attach additional supporting documentation.

The American Job Centers’ Resume Writing Workshops

To get help with writing your resume at a local level, you can visit one of the DOL’s American Job Centers (AJC). In general, you can either consult with one of the AJC’s officials or sign up for any upcoming resume writing workshops. To complement their traditional classroom workshops, certain AJCs also offer online resume writing resources through their websites. The availability of these courses varies from center to center. In some AJCs, the resume writing workshops are part of a larger topic, whereas, in others, they are a standalone lesson. Inquire with the American Job Center in your area to learn whether or not it offers any resume seminars and how you can apply for them.

Eligibility for Unemployment Benefits in the U.S.

Meeting all qualifications for unemployment benefits is the first step towards applying for assistance for unemployed U.S. citizens.

Unemployment benefits serve the purpose of replacing your regular earnings while you are without work and are available through the taxes paid by your former employer. However, eligibility for unemployment benefits is not granted to individuals who have lost their jobs through their own fault.

Rather, eligibility for EDD (Employment Development Department) benefits is only given to those who were laid off for objective business reasons. The amount of benefits is not determined in accordance with the financial needs of the worker. In addition, you can receive unemployment benefits for a limited amount of time, as long as you are applying for a new job. 

To find out who qualifies for unemployment benefits, along with the requirements of the program, explore the following sections:

  • Who qualifies for unemployment
  • Eligibility requirements for unemployment benefits

Who Qualifies for Unemployment Benefits

To determine your unemployment insurance eligibility, you must familiarize yourself with the groups that qualify for benefits. In general, all workers who have lost their job through no fault of their own receive eligibility for unemployment benefits. However, they must also meet additional program requirements under their state’s laws. Note that there is a difference between being fired and getting laid off. If you were let go without being replaced, you are considered laid off. If you were let go and your employer is looking for a replacement, you will be treated as fired. Some situations when workers are laid off include: if the employer does not have a steady stream of work available for you, if the company goes out of business, if your position is eliminated, or if your assignment has ended. In any case, fired employees through no fault of their own can still receive eligibility for EDD benefits, so long as they were not fired due to misconduct and considered ineligible for unemployment benefits.

In addition to your layoff status, you will also be considered for unemployment benefits if you were: discharged from the military under certain circumstances, on a leave of absence or involved in a labor dispute or a strike.

The U.S. Department of Labor has established broad guidelines regarding unemployment benefits, but it is the responsibility of the appropriate state agencies to set specific eligibility requirements, which
applicants must meet. Additionally, all states exercise their own methods for determining unemployment benefit amounts.

Eligibility Requirements for Unemployment Benefits

Regarding how to qualify for unemployment benefits, you must meet all of your state’s unemployment insurance eligibility requirements. To establish your eligibility for EDD benefits, you must comply with the following:

  • Have enough earnings in your base period.
  • Be authorized to work in the United States (especially if you are not a U.S. citizen).
  • Your unemployment or significant reduction in work hours must have occurred through no fault of your own.
  • Be in active pursuit of employment on a daily basis, and do not turn down work.
  • Be available for work without delay, if you are offered a position that fits your qualifications and work experience.
  • Do not be convicted or incarcerated (if you are, you will not be eligible for unemployment insurance and you will not receive any benefits).
  • Meet certain weekly requirements, such as being mentally and physically able to work during the weeks in which you actively seek employment.

The expenses for any trips you take while you are unemployed will not be covered by unemployment insurance, unless the trip was taken with the intention to seek work. Additionally, if you have not worked in your state for a certain period of time, you will not be granted unemployment benefits. The only exceptions would be if you are a member of the military on active duty, or if you are a federal government employee. All states have different laws and regulations, as well as eligibility requirements regarding who qualifies for unemployment.

Note: Your unemployment benefits will be estimated based on the amount of gross wages that you received during your most recent working period, also known as the base period. Depending on the state, the base period can be 12 months, 52 weeks, etc. Also included in the estimate are overtime, bonuses, vacation pay, commissions and severance pay.

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Filing Unemployment Weekly Claims

Applying for Unemployment

To continue to be eligible for Unemployment Benefits you must file weekly or biweekly claims (after the week(s) has ended) and respond to questions concerning your continued eligibility.

Claims must include:

  • Any earnings from work you had during the week(s).
  • Any job offers or refusal of work during the week.
  • When directed, you must report to your local Unemployment Insurance Claims Office or One-Stop/Employment Service Office on the day and at the time you are scheduled to do so.

What You Need to Know

These claims are usually filed by mail or telephone. The state will provide you with filing instructions. If you fail to report as scheduled for any interview, benefits may be denied. You must also continue to meet the eligibility requirements. According to the law, in order to be considered “eligible” for unemployment benefits there are two main factors to be considered: The state requirements for wages earned or time worked during an established period of time referred to as a “base period”.

* In most states, the base period is usually the first four out of the last five completed calendar quarters prior to the time that your claim is filed.

You must be determined to be unemployed through no fault of your own (determined under state law). Since each state has its own Unemployment Insurance agency, each administer separate programs within guidelines established by federal law. This means eligibility requirements may vary slightly per state. It also means that the state where the claim is filed determines benefit amounts, number of weeks benefits can be paid and other eligibility conditions.

Registering for Work

Claimants who file for unemployment benefits may be directed to register for work with the State Employment Service. This service assists individuals in finding employment.

The Employment Service Office helps individuals by:

  • Providing current labor market information and re-employment services free of charge.
  • Referring job openings in your area or in other parts of the state or country.
  • Referring various training programs.
  • Offering testing and counseling to determine other jobs you might like to do and are able to do
  • Referring you to other agencies that can for help with those needs if you believe you have special needs or considerations, such as physical needs or other considerations, which may prevent you from getting a job.

Disqualification from Eligibility

There are many reasons for denying benefit payments. Some may include:

  • Voluntarily leaving work without good cause
  • Being discharged for misconduct connected with work
  • Not being able to work or available for work
  • Refusing an offer of suitable work
  • Knowingly making false statements to obtain benefit payments

What if my claim is denied?

If you apply for unemployment and are disqualified or denied benefits, but you feel you are entitled to them, you have the right to file an appeal.

The state will advise you of your appeal rights. You must file your appeal within an established time frame. Your employer may also appeal a determination if he or she does not agree with the state’s determination regarding your eligibility.

Only your State Workforce Agency can make a determination to pay or deny benefits so, it is very important that you file an appeal and/or request reconsideration of your determination according to your state’s unemployment laws.

Help

If you need any help you can contact the Department of Labor by phone or e-mail.

Phone

Email

      To contact your state agency directly, visit: http://www.servicelocator.org/owslinks.asp

       

      Benefits Amount

      If you are a formerly employed US citizens that is recently unemployed through no fault of your own, you may be eligible to receive benefits through your state’s Unemployment Insurance, or UI program. UI programs across the nation are run through a joint effort between federal and state governments to provide temporary benefits to jobless individuals while they search for a new career.

      While UI benefits are not meant to be a long-term solution for your financial matters, they are meant to supplement lost wages until you secure a new job. For this reason, each individual UI benefit case is different, based on the applicant’s state of residence and his or her salary prior to losing a previous job.

      Benefit amounts typically range between half of your previous earnings and half of the state average salary earnings. Each state has specific caps on the amount of UI benefits that can be paid per week. The following is a list of the maximum weekly payments allowed for UI benefits by state (rates current as of September 2014):

      • Alabama: $265
      • Alaska: $370
      • Arizona: $240
      • Arkansas: $451
      • California: $450
      • Colorado: $529
      • Connecticut: $590
      • Delaware: $330
      • District of Columbia: $359
      • Florida: $275
      • Georgia: $330
      • Hawaii: $560
      • Idaho: $336
      • Illinois: $413
      • Indiana: $390
      • Iowa: $459
      • Kansas: $420
      • Kentucky: $415
      • Louisiana: $247
      • Maine: $378
      • Maryland: $430
      • Massachusetts: $674
      • Michigan: $362
      • Minnesota: $629
      • Mississippi: $235
      • Missouri: $320
      • Montana: $464
      • Nebraska: $362
      • Nevada: $407
      • New Hampshire: $427
      • New Jersey: $624
      • New Mexico: $397
      • New York: $420
      • North Carolina: $350
      • North Dakota: $470
      • Ohio: $564
      • Oklahoma: $440
      • Oregon: $538
      • Pennsylvania: $573
      • Puerto Rico: $133
      • Rhode Island: $566
      • South Carolina: $326
      • South Dakota: $345
      • Tennessee: $275
      • Texas: $454
      • Utah: $479
      • Vermont: $425
      • Virginia: $378
      • Virgin Islands: $454
      • Washington: $624
      • West Virginia: $424
      • Wisconsin – $370
      • Wyoming – $471

      Each state has a separate UI benefits program that is regulated by the federal Department of Labor, but run by the state itself. To find out more about potential unemployment benefits and filing an unemployment claim, contact the Unemployment Insurance agency of the former employee’s state. The UI agency can also help residents check their continued eligibility, inquire about incorrect payments or get more information on an eligibility disqualification. Claimants should make sure they meet the minimum requirements for both wages earned and length of time worked (your base period) before filing a UI benefit claim.

      U.S. states draw funding for Unemployment Insurance from taxes imposed on employers. Currently, a majority of states have an unemployment benefit payment maximum time limit of 26 weeks. Weeks may be added to the overall benefit time limit during times of high unemployment through the government’s extended UI benefits program. Contact a local state Unemployment Insurance office for more details.

      Frequently Asked Questions About Unemployment Insurance Benefits

      Applying for Unemployment

      Workers in the United States who have lost their jobs can file for an unemployment claim through their state Unemployment Insurance agency. However, prior to starting the application process for unemployment insurance benefits, you have to meet your state’s qualifications. If you are granted unemployment insurance coverage, you have to meet the program’s eligibility requirements on a regular basis in order to stay eligible. On the other hand, if you are denied unemployment benefits, you are within your rights to file an unemployment denial appeal. In certain extenuating circumstances, such as during high levels of unemployment on a state level, you can even apply for an unemployment extension.

      Due to the complexity of the U.S. Unemployment Insurance program, confusion may arise. Listed below are the answers to some of the most frequently asked questions about unemployment insurance benefits.

      Unemployment Benefits

      1. What are unemployment benefits?

      Unemployment benefits are a form of financial assistance funded by the federal government and provided when an individual becomes unemployed through no fault of his or her own. Federal unemployment benefits are funded by taxes paid by employers, with no taxes deducted from a worker’s paycheck. Not all unemployed individuals are eligible for unemployment benefits. Each state sets its own eligibility requirements that must be met in order to file an unemployment benefits claim.

      2. How often will I receive unemployment benefits?

      Unemployed individuals can claim unemployment benefits for a limited amount of time, typically 26 weeks, although some states offer less or more time. In times of high unemployment, when individuals are not able to find a job for a long time, states activate special unemployment benefits extensions. However, this option is not regularly available, so citizens must make sure to find a job before their benefits expire.

      3. How are unemployment benefits estimated?

      Unemployment benefits are estimated based on the amount of earnings that you received from wages during your most recent working period, called the base period. Depending on the state in which you worked last, the period may be 52 weeks, 12 months, etc. The calculation also includes any commissions, overtime and bonuses that you may have received during this time.

      4. Can I apply for unemployment benefits if I was fired from my job?

      If you were laid off from your job through no fault of your own, you may be eligible for unemployment benefits. However, if you were fired as a result of misconduct or another subjective reason, you cannot claim unemployment benefits. Workers who have lost their jobs for objective reasons (i.e. the company does not have work to offer them or the company goes out of business) can apply for unemployment if they meet all other eligibility requirements.

      5. Can I apply for unemployment benefits if I am not a U.S. citizen?

      If you are not a U.S. citizen but would like to apply for unemployment benefits, you must present proof of legal immigration status and documents showing that you are authorized to work in the United States. The appropriate department responsible for unemployment insurance in your state will then verify your immigration status and determine whether you are eligible to apply for benefits.

      How to Apply for Unemployment Benefits

      6. How do I submit an online application for unemployment benefits?

      You can generally apply for unemployment benefits via the internet in every U.S. state. However, the process to submit the online application may vary, depending on the policies of your state’s Unemployment Insurance agency. The standard procedure requires you to go online and provide your state’s UI agency with your full name, Social Security Number and date of birth. After logging on to the system, you can finalize your petition by answering several questions.

      7. How do I reopen an existing unemployment benefits claim?

      If you lose your job again or you become available for work, you can reopen your UI claim via the same methods used to submit it initially. Conversely, beneficiaries who have found a new job or workers who were unable to work due to an illness must stop submitting unemployment claims.

      8. What information do I have to provide when I file for an unemployment claim?

      In order to submit a successful application for unemployment insurance coverage, you must supply the necessary information to your state Unemployment Insurance agency. In general, you will be asked to provide your Social Security Number and your driver’s license number for identification purposes. Then, you will be required to submit your personal information, such as your full name, date of birth and contact information, as well as extensive data about your former jobs and employers, such as dates of employment and reasons for leaving.

      9. When will I receive my first Unemployment Insurance payment?

      If you are not required to submit any additional documentation or answer any more eligibility questions, your state’s UI agency will start processing your unemployment benefits claim. Depending on the administrative policies of the respective Unemployment Insurance agency, you will receive your unemployment insurance benefits within two to four weeks.

      States institute a one-week period of ineligibility. Therefore, you will not be paid benefits for the first week after you lose your job.

      10. How can I check the status of my unemployment benefits claim?

      As state Unemployment Insurance agencies offer an online option for filing unemployment claims, you can generally manage your unemployment application and check its status through the same internet service. To log on to the system, you will be asked to identify yourself by providing your SSN and the PIN number, which is generally obtained during your initial application. Your online unemployment benefits profile also allows you to request payments and check your payment history.

      Denial of Unemployment Benefits

      11. Why were my unemployment benefits denied?

      The Department of Labor’s general guidelines state that the main requirements for getting unemployment insurance are losing your job through no fault of your own and meeting your state’s work and wage requirements. Therefore, if you were fired due to misconduct, or you voluntarily left your employment without providing a good reason for doing so, your unemployment benefits application will be denied. Also, if you did not receive a sufficient amount of wages in the period leading up to your dismissal, you will be denied unemployment benefits as well.

      12. When do I have to file the unemployment denial appeal?

      After you receive the notice of your denial, you will only be able to appeal it within a limited timeframe. This requirement varies from state to state, but you can generally file your unemployment denial appeal within 10 to 30 days of receiving the notice. In Texas, for example, you must submit your request in writing to the TX Workforce Commission within 14 calendar days.

      13. What can I do if I do not appeal on time?

      If you fail to appeal the denial of your unemployment claim within the allotted time, a late request may still be accepted if the rules and regulations of your state’s Unemployment Insurance agency allow it. While some states unequivocally dismiss late appeals, other states permit you to apply for an appeal extension if you abide by their rules. For instance, if the Colorado Department of Labor and Unemployment receives your written appeal after the 20-day deadline, you will be required to provide a valid reason for the delay for your appeal to be considered.

      14. What is considered wrongful termination of employment?

      United States employers generally follow the at-will employment rules when hiring new workers. Based on this legal presumption, employers can dismiss their workers without notice of termination, and employees can leave their job without providing a notice of resignation, as well. However, certain exemptions exist in the form of wrongful termination, which is against the law. Examples of wrongful termination include when your employer:

      • Breaches a written or an oral agreement when he or she fires you.
      • Terminates your employment based on your race, sex, nationality, age, religion or disability.
      • Violates public policy or labor laws when firing you.
      • Fires you as a result of you filing complaints against him or her.

        15. Can I appeal the judge’s decision if my initial unemployment appeal is denied?

        If the state denies you unemployment insurance benefits during your appeal hearing, you can submit another appeal at the second level of review. State Unemployment Insurance agencies that offer this option require you to submit the next-level appeal to your state’s board of appeals within a limited timeframe.

        Unemployment Benefits Extension

        16. What is an unemployment benefits extension?

        In times of high unemployment, states activate special unemployment benefits extensions that serve to prolong the time period in which individuals receive unemployment benefits. This is especially useful when unemployed individuals are unable to find work due to statewide unemployment. If you are eligible for an extension, the state department of unemployment insurance will inform you and encourage you to apply. However, currently there are no unemployment extensions active in the United States.

        17. Who is eligible for an unemployment compensation extension?

        Eligibility for an unemployment compensation extension is not based on the requirements for getting initial unemployment benefits. Thus, just because you were eligible for basic unemployment benefits does not mean you are eligible for an extension. To find out whether you can get an unemployment extension, contact your state unemployment insurance agency.

        Note that the amount of benefits you will receive during an extension period (if eligible) is the same as the amount of standard unemployment benefits you have been receiving.

        18. How can I apply for an unemployment extension?

        The application process for an unemployment benefits extension is different in each state. In some states, you may be automatically enrolled in the extension program if you meet all eligibility requirements. In other states, you may need to submit a special application online or by mail. Once you have done so, the state department of unemployment insurance will send you an acceptance letter and any accompanying paperwork.

        19. How long is the unemployment benefits extension period?

        Your state will activate the unemployment extension program only during periods of high state unemployment. The program provides up to 13 additional weekly payments of unemployment insurance benefits, beyond the standard 26-week duration. However, certain states also implement a supplementary program that provides an additional seven weeks of benefits if the unemployment rate rises to extreme levels. 20. What programs offer unemployment compensation extensions in the U.S.? State Unemployment Insurance agencies provide unemployment benefits extensions through the standard Extended Benefits (EB) program. The EB program is activated on a state level and only during periods of high unemployment.

        Eligibility for Unemployment Benefits

        21. Who qualifies for unemployment benefits?

        Individuals who have become unemployed through no fault of their own can apply for unemployment benefits if they meet all eligibility requirements set by the appropriate department in their state. However, not all unemployed citizens are eligible for unemployment compensation. For instance, if you were fired from your job due to misconduct, or you were let go but your employer intends to replace you, you will not be eligible for benefits. On the other hand, if you were laid off as a result of a company shutdown or because your place of employment no longer had any work to give you, you may meet the qualifications necessary to get unemployment benefits.

        22. What are the eligibility requirements for unemployment benefits?

        If you became unemployed through no fault of your own, you can consider applying for unemployment benefits. However, unemployed individuals must also meet additional requirements to obtain unemployment insurance eligibility. Typically, each state establishes its own criteria, but in general, applicants must meet the following requirements:

        • Have sufficient earnings in your base period.
        • Be authorized to work in the United States (applicable to non-U.S. citizens).
        • Do not be convicted of any crimes.
        • Be actively looking for a job and be prepared to start work as soon as possible.
        • Be mentally and physically able to work.

        23. When should I apply for unemployment benefits?

        If you have recently become unemployed, you can apply for benefits as soon as you are aware of your eligibility. However, unemployed individuals who are currently anticipating their last day of work cannot apply before they are officially unemployed. You must already be laid off and without work at the time of application.

        24. What do I need to file a claim for unemployment benefits?

        Every state has set unemployment insurance eligibility requirements, including necessary documentation. Thus, the documents and information needed to apply for unemployment benefits may differ from state to state. In general, however, applicants must submit the following:

        • Full name and residential address
        • Identification documents
        • Social Security Number
        • Last date of work and reason for unemployment
        • Citizenship status
        • Information on all employers, such as company names and addresses, employment durations, wages, payment methods, etc. Depending on your state, additional documents may be required.

        25. What if I am found ineligible for unemployment benefits?

        If you were denied unemployment benefits due to ineligibility, you can appeal the state’s decision. Typically, you have 10 to 30 days to file a complaint and request a hearing, during which you can present your case. Note that even after the hearing, you may still be found ineligible by the state.

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        Applying for college is an exciting, yet intimidating experience for millions of teenagers every year. The experience can be even more intimidating for parents, who are often responsible for shouldering the enormous cost of their child’s college education. Before applying, students and parents should take the time to learn everything they can about the world of financial aid.

        Loans vs. Grants

        Before you attempt to utilize any hacks or strategies, you should understand the difference between grants and loans. Loans are offered by both the federal government and private financial institutions, and they must be paid back. Private loans charge interest that accrues over time if a student fails to make payments in the future. Grants are only offered by colleges and the federal government, and they do not have to be repaid. Grants are dispersed according to financial need, and they are usually given more freely to freshmen.

        With this in mind, if you or your child wants to save money, try taking advantage of the six time-tested hacks below.

        1.Submit the FAFSA Early

        The FAFSA form, which decides how much financial aid you are entitled to each year, is made available each year at the beginning of February. To expedite the process and get the most money possible, you should complete and submit your form immediately. Experts state that more aid is available at the start of each year, and as time goes by, federal and state funds begin to dwindle. Fill out your FAFSA once it becomes available, and avoid falling victim to procrastination.

        2.Consider the Net Cost of a College Education

        Knowing what to expect in terms of expenses can be extremely helpful when applying for financial aid. Many experts suggest students and parents consider the net cost of a college education. This involves subtracting the amount of financial aid from the school’s cost of attendance. When forced to do this, many people realize that their financial aid package is not sufficient. You also need to factor in other costs such as living expenses, transportation, lab fees, books, etc. Once you have a realistic and accurate financial picture, you can plan your financial strategy more effectively.

        3.Choose Federal Loans Instead of Private Ones

        When you or your child finally receives the financial aid package, be sure that you understand which loans are private and which ones are federal. Federal loans are generally more favorable than private ones, because they tend to offer more flexible payment terms, which can be beneficial if a student drops out or is having difficulty finding employment after graduation. Unlike private loans, federal loans can be discharged during bankruptcy, and they usually do not require co-signers. Since college students usually lack an established credit history, parents usually end up becoming co-signers for private loans. If the student defaults on the private loan for any reason, the credit score of the co-signer will be damaged as well.

        4.Try Negotiating the Size of Your Financial Aid Package

        This hack is not really discussed, as many students and parents do not know that financial aid packages are negotiable. Colleges, especially elite, competitive ones, want to enroll the best students possible. High-achieving students make the school look good, and when they graduate, they are more likely to have the funds to donate to their school. Once you receive your financial aid package, you may be able to speak with the financial aid office at the school of your choice about getting more funds. Students with impressive academic credentials will certainly want to consider this hack.

        5.If Your Parents Are Wealthy, You Should Still Apply for Financial Aid

        If your family leans towards the higher end of the income scale, you will still want to apply for financial aid. The fact that lower-income families tend to get more aid is generally true, but funds are still available to students from affluent backgrounds. Many colleges will also give money to students with outstanding academic records. When the time to apply for college comes around, avoid giving in to old financial aid urban legends – students with high-earning parents can get aid for their education.

        6.Research Scholarships

        Scholarships are the unsung heroes of financial aid, and many people think that they are only available to students with extraordinarily high grades. This is true in many cases, but there are also scholarships that take other factors into consideration. Scholarships are often offered to students because of their:

        • Major of choice.
        • Age, race, socioeconomic background, or nationality.
        • Community involvement.
        • Extracurricular achievements.

        Some scholarships are also open to students who attend certain colleges. When the time to consider paying for college arrives, try researching scholarships – there are more available than you think. And if you do not qualify, begin searching for grants that you may be eligible for. As a student, any deals that do not require you to pay the money back are preferred, and there are plenty of grants available for you to consider.

        Unemployment Claim Tips

        Applying for Unemployment

        With an overwhelming amount of information out there, filing for unemployment can seem nerve-wracking and confusing, at first. But it doesn’t have to be. Many state sites are designed to assist a number of individuals with step-by-step instructions. To help you along the way, take a look at some of our tips below to ensure that you have a seamless application process.

        Gather all necessary information

        When filing for unemployment, you will be asked to provide a slew of information about your previous workplaces, as well as personal details about yourself. As it pertains to jobs you have held in the past, it is important to make a note of their addresses, phone numbers, your previous supervisors and your dates of employment. If you do not have this information on hand, contact your previous Human Resources Department and ask them to supply you these notes in written form. You can request to have it mailed to you or sent via email, whichever you find is most convenient.

        Review your state’s unemployment website

        Make sure to take the time to carefully browse through your state’s unemployment website as it will contain everything you need to know. For example, it will let you know whether or not you are eligible for unemployment and how to file your claim. Some states may allow you to file by phone, whereas others are strictly limited to online filing. Furthermore, certain states may provide the option of reviewing their website pages in either English or Spanish. When you are filing as a new claimant, one of the first things you will be asked for is your Social Security Number, so make sure to have your SS card with you.

        Keep your job search current

        Most states will require you to maintain an active job search when you are unemployed. You will need to submit proof of this by either filling out certain forms online, or by calling your state’s Unemployment Center and updating them with information about your recent job search. Some questions you may be asked include how many jobs you applied for during the week, how many interviews you attended, and the phone numbers and locations of each workplace. Keep in mind that it is absolutely crucial that your information is accurate. Providing any misleading or dishonest information is against the law.

        Find out your benefit payments

        Each state has its own set of rules about how much an individual can receive in unemployment benefits. More often than not, it is mostly based on the salary that you earned at your previous job. The state will allow you to receive a certain percentage of what you made, with a specific cap off amount as to how much you can get on a weekly and monthly basis. Although each state decides the exact amount, the federal government is the one that decides how long you are eligible to receive unemployment benefits – usually a few months. If you think you need more time, make sure to ask about applying for an unemployment extension. Most states make the option of unemployment extension benefits available to qualified individuals.

        Resume Submission in the United States

        Applying for Unemployment

        If you are unemployed and in search of a new job that fits your skillset, the first and most important step to take is to create a well-crafted resume. Creating a professional resume that will showcase your education, work experience and skills accurately may be a challenging task, and most recruiters know exactly which resumes are promising just from a glance. Furthermore, today these employers typically take this glance online before even meeting applicants in person. As of now, more and more companies require candidates to submit their professional resume via the official company website. Additionally, many of the specialized websites that list current job openings require online resume submission. 

        If you would like to learn how to submit your CV online, as well as the benefits of using resume submission services, read the sections outlined below:

        • Online resume submission
        • Benefits of online resume submission

        Online Resume Submission

        Online resume submission is a term that encompasses resumes submitted through an online job board or similar job-seeking service, via email or by publishing a resume on a personal website. Depending on the method you use to look for a job, you may be asked to submit your resume in a specific format, using certain fonts or even CV templates. Thus, before submitting your professional resume, job seekers must get acquainted with the rules and requirements of online submission for the specific company.

        When you prepare your CV for online submission, you must have a version optimized for online posting. Many unemployed individuals may not be aware that a traditional resume format intended for a physical copy does not display the same visual result as a resume that has been specifically formatted for online submission. Most recruiters today will reject a resume if it is not optimized for internet submission. Another important step to take when preparing a resume for online submission is to optimize it with job-related keywords. When looking for suitable candidates, many employers use special keyword-searchable databases and run all the resumes they have received through the system in order to extract the most appropriate CVs, i.e. those that contain keywords related to the job opening. Recruiters also use this method to comb through all the resumes posted on job-seeking websites and job boards.

        In addition to technical features, your CV must also be substantial and highlight your accomplishments rather than just your job qualifications. However, job seekers must keep their CV copy clean and text-based, avoiding the use of different fonts, graphic details or colors. Most (if not all) exaggerated resumes are quickly rejected, as recruiters prefer to focus on the individual’s experience and skills, not on the visual appearance of the resume. Finally, professional resumes intended for online publication must not contain too many personal details about the applicant, as such information is visible for the public and may be easily misused. In any case, there are many online services that can help you create an optimized resume in just a few clicks.

        Benefits of Online Resume Submission

        Almost all job openings are published on company websites, job-seeking websites or specialized job boards, inviting qualified candidates to apply by submitting a resume online. However, many job seekers are wary of posting their personal information online, especially on public forums and job boards where the resumes are available to anyone. While precautionary measures must be taken, candidates can certainly benefit from posting their professional CV online, namely, by significantly increasing their chances of being selected for an interview. Listed below are just some of the many benefits of online resume submission:

        • Candidates who submit a resume online have higher chances of being considered for multiple jobs.
        • Online resume submission is free of charge, and you do not need to pay for mailing costs.
        • Online submission is a fast and convenient option for both the job seeker and the employer.
        • Your online resume can be very versatile, and you can edit it and make changes in just a few clicks.
        • You can send your resume to a large number of potential employers at the same time.
        • Online resumes are instantly accessible to employers, making it easy for them to fill a job vacancy as soon as possible.

        In addition to the above-stated advantages, if you post your CV to a job board, you can easily sign up for notifications and be one of the first to be informed when a new relevant job position has opened. This gives you the opportunity to be among the first to apply for the position and be noticed by recruiters.

        Appeal a Denial of Unemployment Benefits

        Former workers in the United States who were denied unemployment benefits can start the unemployment denial appeal procedure in order to obtain a more favorable decision regarding their UI claim. The reasons for denied unemployment claims may vary across the country, as different state Unemployment Insurance agencies set different eligibility criteria. Some of the most common reasons for denial include if you lose your job as a result of misconduct or refuse to take a job which is suitable to your skills.

        Certain workers may also lose their positions as a result of wrongful termination and still be denied unemployment benefits. If you belong in this group of applicants, you have the right to appeal. In general, each state has instituted a multi-layered appeals system. For example, in California you can submit an unemployment denial appeal at three different levels. If you disagree with the decision at one level, you can appeal it at the next.

        Petitioners who had their unemployment compensation benefits denied can review the following sections to get an answer to the important question, “What can I do if Unemployment denied me benefits?”:

        • Why would I be denied unemployment benefits?
        • What to do if I was wrongfully terminated?
        • How to appeal a denial for unemployment benefits

        Why would I be denied unemployment benefits?

        Unemployment Insurance (UI) agencies that have denied unemployment benefits to applicants are simply following the Department of Labor’s program rules. Furthermore, different state UI programs may implement additional requirements, which result in more denials. In general, you may have your unemployment benefits denied for the following reasons:

        • You supplied incorrect information and/or forged documents during the UI application process.
        • You voluntarily left your employment without providing your employer with a good reason for doing so.
        • You did not register for work through your local workforce center, or you were unable to work.
        • You refused a legitimate offer of suitable employment.
        • You were fired due to misconduct related to your position.

        Prior to applying for unemployment benefits in the U.S., you must familiarize yourself with your state’s policies regarding decisions of denied unemployment benefits. By doing so, you will learn whether or not your UI agency’s reasons for denying your unemployment application were justified. Then, you can consider filing an unemployment denial appeal, if you believe that the agency’s decision was unjust.

        What to do if I was wrongfully terminated?

        In some cases, wrongful termination may be the reason why certain workers lose their jobs. The majority of U.S. states follow the legal premise of at-will employment, according to which, both the employer and the employee can terminate the employment agreement without any legal consequences. However, certain exceptions exist. For instance, if you were fired for one of the following reasons and were denied unemployment benefits, you have cause to file an unemployment denial appeal due to wrongful termination:

        • You lost your job as a result of discrimination, based on your race, age, religion or other.
        • Your signed employment contract was breached when your employer violated the agreement’s stipulations.
        • You exercised your public policy rights, such as serving in a jury or enlisting in the military, and were still fired.
        • were fired because you declined to engage in illegal activities per the instruction of your employer.

        Note: The above list is not all-inclusive.

        How to Appeal a Denial for Unemployment Benefits

        If you had your unemployment benefits denied in the United States, and you believe that your local UI office’s decision was unjust, you can submit an unemployment denial appeal. Depending on the specific policies and procedures of the state, you may be able to appeal at different levels. However, regardless of the number of appeal options available to you, you will be required to file your unemployment denial appeal within a specific timeframe after receiving the initial decision about your claim.

        The process of appealing a decision consists of several steps. First, you must submit a written appeal to your state UI office within 20 to 30 days, along with a copy of the UI agency’s initial decision regarding your denied unemployment benefits. You must also include your full name, contact information, Social Security Number and the reason for your appeal. Then, your state’s Unemployment Insurance agency will schedule a hearing for your case and notify you in advance about the time and place of the inquiry. The hearing officer or judge will then make a decision after you present your case.

        If you are not satisfied with the judge’s decision, you can submit a second-level unemployment denial appeal to your state’s board of appeals by following steps similar to those above. In certain states, if you lose at the second level of appeals, you may have the option to take your case to the state’s Superior Court.

        unemploymentclaimsinfo.com is a privately owned website that is not owned or operated by any government agency.