It’s Time to Start Investing – Seriously

Investment is one of those things we just want to put off till later. We feel like we’ll get to it one of these days, that there’s plenty of time. The problem is, investments need time in most cases. Time is the best friend of the investor, because of complex mathematical realities like compound interest. Compound interest is all about investments that feed back into themselves. Dividends go back into the pot that includes an investor’s first allocations of funds. This creates a bigger pool of resources to feed investment growth. As this pool increases so do the dividends, which creates a bigger pool, which creates more dividends, which makes a bigger pool……on and on and on.

You can immediately see how time is on the side of the investor who invests this way. But this isn’t the only way that time helps investors. There are other investment types which have a lot more to do with skill than time. But skill is another resource that’s stored up gradually. In any type of skill that matters, nobody gets good overnight. Instead, it can take years or decades to master the thing you’re interested in. This is another reason to start taking investment seriously now. Without the time to master new investment skills, you won’t be able to make a lot of money.

One example of an investment that works this way is spread betting. Spread betting investors use trusted providers like ETX Capital, to make value bets about stocks, indexes, Forex currencies, and more. Rather than owning stocks, as one would do in models where compound interest would be a primary concern, the investors “own” the right to make money if an entity’s value changes in a direction they anticipated. The user chooses the period of time, as well as the specific asset upon which to bet. At the end of time, if the value has changed according to plan, the investor makes money. If the value changes in the opposite way, the investor loses money.

There are many other types of investment, some that require only passive attention from the investor and some which require active management. In all cases, however, time is one of the biggest assets in the investor’s hands. Time gives options. If you make a mistake because you didn’t know enough about your chosen investment style, or simply because circumstances went in the wrong direction, you’ll have more chance of recovering yourself the more time you have. If you create a model for which you are seeing slow steady growth, you’ll have more growth the more time you have to wait. If you have seen your investments pay off over thirty years during the first half of your life, you’ll be glad to have the rest of your life to enjoy your wealth. There are many other reasons that time is one of the best assets of the investor, but you should appreciate the idea by now. In any case, start investing now if you ever plan to do so at all. You’ll be glad you did, and you’ll learn a lot as you go.

5 Best Apps To Help Your Job Application Stand Out

Your smartphone or tablet doesn’t just connect you with your friends and family members. It can also help you get a job, assuming you know which apps to use in your search. If you use the same websites and apps as everyone else, your resume will likely get buried amidst thousands of others. However, if you branch out and use less common apps, you’ll stand out as a potential candidate.

Following are five of the best apps to help your job application get noticed above the others.

Resume Builder Pro

Image via Flickr by marshillonline

Many employers use electronic tracking systems to wrangle the onslaught of resumes they receive for each job opening. The system scans resumes for specific keywords and other features to determine whether they are appropriate for the job. An app like Resume Builder Pro lets you capitalize on the app makers’ research into data.

Use this Android app to build your resume from the ground up. The app will suggest categories for the document and make other helpful suggestions to speed up the process and to make your resume more discoverable. It’s not free, but at just $3.99, it’s highly affordable if you struggle to create an effective, data-driven resume.

Spark Hire

Standard resumes don’t always cut it anymore. Spark Hire is a free app for Android and iOS that allows you to create a professional-quality video resume. You’ll stand out from the crowd because potential employers can see you speak and interact with your resume in unique ways.

To ensure the highest quality, use a device that has an excellent camera. For instance, the LG G5″s 16MP camera takes crystal-clear videos with minimal distortion or artifacts. Take your video in a well-lit room with no distracting noises or objects. Dress like you would for an interview — preferably business casual — and use a microphone if necessary to ensure your voice remains clear throughout the video.


One of the best ways to improve your chances of getting a job is to refine your interviewing skills. There are several job interview apps to help you enhance your technique, one of which is available through Monster. After you install the app, tap through the different options to get to the Pre-Interview section. Here, you’ll find tips and tricks for dazzling potential employers and preparing for specific questions.

You can use the Monster app on just about any device, including iOS, Android, Windows, and Blackberry. If you use the app for your scheduling needs, it will remind you about upcoming interviews so you don’t accidentally miss an important opportunity. You can also use it to find articles about dressing for interviews, making a good first impression, and preparing your resume.


Sometimes, the specialized approach works best. Many employment agencies, recruitment firms, and even employers have their own apps for potential employees. MHA, for instance, is an app for medical professionals that Merritt Hawkins created. If you’re a doctor, nurse, or other health care professional, use this app to find open positions and to apply internally.

You’ll find specialized apps for nearly every profession and potential employer, though some of the most common career fields for these apps include the medical, legal, manufacturing, and retail industries. Since they’re designed for specific professions, you’ll find features that relate specifically to your skills and expertise.


A special website, such as your page, can help you funnel business contacts to one specific place. The Intro app turns your page into a “digital business card.” You can upload your photo, share your contact information, and track the people with whom you’ve shared the page.

Apps like Intro allow you to better manage your job-search activities. Plus, instead of sharing your email address or phone number with everyone you meet, you can direct them to one convenient place online.

Searching for a job can prove frustrating, but apps help you stay organized, prepared, and motivated. Download these apps to your mobile device and start searching for your perfect position, whether you’re a college graduate hunting for a first job or a seasoned professional who wants a change.