Basic Phone Interview Questions and Best Answers

When you are seriously looking a job  you can't wait to hear from the hiring officer to call or email you for an interview. It is important you are well prepared to answer  the questions effectively.When you answered all the questions and proved the hiring officer you are the right person on the position you   have a chance to be invited onsite interview.

Keep in mind it is "make it or break it" so being prepared gives you the chance to be success. Here are the basic phone interview questions you might consider to practice at home. 

• Tell me about yourself? The question sounds easy and  most applicants forget to answer the question that the employer wants to hear. The best answer is tell about your professional experience that is related to the job you are applying.

• What is your education background? Be honest and straight to the point. This is the best time to explain how your education prepared you in the real world. Explain to the hiring officer if you are in honor students,  community involvement, leadership awards, volunteer, and if you are a working students don't forget to mention it-proves you have the ability to be a multitask and ability to succeed just to improved your skills.

• What are your qualifications for this position?Your best answer is your experience. Explain  your education, experience that is related to the job you are applying.

• What is the most important thing you’re looking for job? I'm sure your answer is your salary-try not to mention about the salary in this questions.The best thing you can convince to your hiring officer is a new challenge with an opportunity for growth and development. 

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Benefits of Telephone Interview

Thinking for seeking a job could be stressful,that's why most people doesn't want CHANGES. Most of the company now, has a different ways of screening an applicants and one way they do is phone interview before the on-site interview. It could be stressful when you are not prepared for the interview.The good news you can be aware and  ready if you are serious of looking a job.

There are some benefits of phone interview:

By Applicant:

• Save Time:You are serious in seeking a job. This is your time to ask questions and have a feel if you are able to perform the job well.

•  You don't have to worry what to wear.
•  Jot down all the questions you might want to ask: Consider yourself prepared in the job  interview. You can look at your questions.
• You don't  need to travel and waste your time.

By Employer:

• No cost: A quicker way to screen out the applicant before inviting on-site interview.
• Helps verify the communication skills.

Tips of Phone Interview Success:

You already send out your resume and one day you received a voice call "I LIKE YOUR RESUME"please let me know if what is possible and a time that best suits your schedule .

• Be prepared: It is important you are prepared on the interview.Do your work before sending your resume out.
• Ready to ask questions:Don't be scared to ask questions. Most hiring officer screens your ability to communicate effectively.
• Be honest:Once you have a feeling that you can't do the job, tell the hiring officer your reasons.Last week I experienced telephone interview and I asked the questions "What are your working hours"? 
• Say thank you: This is one of the most powerful words you can say to your hiring officer. It is important to show them your courtesy.

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Basic Questions to Ask When opening a Bank Account

Every person or family has Bank Account. Whether it is for savings or checking account ,it is very important to be wary these days. Banks has a good number of competitions so there are more selections which sometime hard to pick which one offers the best. 

Banks these days has so many schemes from now and then, which is overwhelming and enticing.Though, it is still  best  to be educate and have a better comprehend of what you getting in.

Basic Questions to Ask When opening a Bank Account:

• What type of I account do I need to open? This is very important you need to ask.Savings or Checking account.Both are different from each other and have a minimum balance.Like me,I have one account but I have to maintain a minimum balance in my bank account.

• How much is the interest rate? Well, hen savings money in the bank interest rate is necessity so you know how much you gain every month.

• What is the debit card?  Ask about the fees if you have to use it. Ask whether you  would  pay a transaction fee if you use your debit card to get cash back.

• How much the initial deposit when opening the account?

• How much the minimum withdrawals you are allowed everyday and how much money you are allowed to withdraw in Cashier and ATM.Many banks are allowed to withdraw using your ATM $500 a day.

• How safe is your money? Understand how much your money insured in the bank- Remember never  put all your eggs in one basket.

• How to access online banking and what are the fees.

With all the changes plus the technology -Opening a bank account is not just easy as I remember before. You need to understand all the basic questions before opening one.

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3 Best Free Software for Personal Finance

In today's technology life is been easy and simple once you are willing to adopt and understand the basic software you needed.There are a lot of software for personal finance in the market that you can monitor  your spending and budgeting. Learning finance is awesome once you know how to handle your own money.

You just need to choose which one is best for you. We all have preferences even in the software we want to used. I like the mint apps where I can easily check in my iPhone. In that said-most of us concern probably with all the hackers and security. Well, life is about risk. We need to take risk and most companies who developed this kind of software has its privacy so you have to check on what stage of level you're comfortable.

3 Best Free Software for Personal Finance 

Managing your personal finance is important so you have better idea on where you stand in life. More debt meaning you're in a bad situation and you might probably need a help or cut your spending habit and make sacrifices in life.

• Mint-It is a mobile apps and you can easily download it.The good news it is free. I've been using this apps on iPhone. I love how this app works and easy to navigate.You can monitor your spending habits, investment, salary, mortgage,retirement and etc. One thing I like is password protected so no one could open except me and hubby.
• Check-It's a free apps. If you're forgetful to pay your your bills on time,you might consider this  kind of apps. This is most likely a reminder if you're running out or low money in your bank and paying your bills.
• Money desktop-It's free apps and you can download it in your smartphone.This app  helps you monitor and gives you the most you need to know about your spending and reporting,analysis.

Whether you want to simplify your personal finance,it is important you choose what you think is right for you and be happy in life.

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Why learning finance is awesome?

Managing your finances is tough and it make worst once you don't know how to budget your your personal expenses and learn to save for rainy days.

Finance is like our  life-it's uncertain and we don't know what will be the future. All we have to learn is to enjoy and ride it on.

No turning back: 

Whatever is your past is your past. You can't turn back but keep the lessons from then. It is like finance, once you don't know how to budget your money, you'd get into debt and sometime it's hard to get out from the situation. Finance is all about present and future. You can't turn back what was happen in the past but you can change your future.

Risky:

Life is like a roller coaster-it is the same in finance. The more comfortable you are in taking risk in life the more you learn. Investing your money and understand all the interest rate is more advantages you need to learn. You have to consider if you plan for a long term or a short term and make your decision to create wealth and opportunity in life.

Time is important:

Our life is all about time. Time is the ultimate value and how we invest our every day-it is the same in Finance. Time and Finance goes together and it is uncertain. 

Competition:

Learning finance is awesome. You learn how to diversified and use all the resources that the market has to offer. Competition is everywhere which the market makes more challenging and tough.

Take your time to learn and understand you personal finances, How to save, Where to invest, and what to do in the future. Remember finance is like a life-it's UNCERTAIN. Take the challenge and enjoy what's on the market today. 

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How to Make your Own Income Statement

Making your own income statement is very important, it is a business called "life" if you don't know how to monitor, you'll be in trouble and there is a tendency you  would file a bankruptcy. Whether I like it or not, monitoring your income statement is big plus so you know if you're making a profit or loss in your life. Remember income statement  is  your  actual  cash inflows and cash outflows.

Income statement Formula:

Monthly income (after taxes) - monthly expenses = Profit

Personal Monthly Income Statement:

At the End of January, XXXX

Income:

      Salary/Wages :xxxx

      Other Income :xxxx

Total Income Available for living Expenses:                        xxxx

Expenses:

     House Mortgage      xxxx

     Car Payment            xxxx

     Food                        xxxx

     Gas                          xxxx

     Clothing/shopping   xxxx

     Utilities                    xxxx

     Cable                       xxxx

     Telephone                xxxx

     Insurance                 xxxx

     Others                      xxxx 

Total Expenses                                                                      xxxx

Net Income/ Loss income                                                   xxxx

Your net income is simply the result of subtracting your total income from your total expenses. A positive  net income would tells that you earned more than you spent and you have some money leftover from that month.However, Loss/ negative income tells you spend more money  than you brought in.

Related Posts:

• Why is Basic Accounting so Important
• How to make or create your own Personal Balance sheet

   

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How to save money on Grocery by spending less than $100 a week

As a wife, I do my best to help my husband to find  good deals  and save money on grocery by  spending less than $100 a week for a family of three.I do my best to control all my shopping habit by buying the necessity. With all the things I've done so far my husband never complain paying my credit card bill.  

I am stay at home mom and helping my husband by controlling my spending habit is the best way I can help our budget in control without sacrificing our needs. 

Coupon:

I don't really use coupon, they're not available on the items I needed on a regular basis. I usually use the coupon if I like to try new things so I can save it.New items out  on the market  has usually coupon so I take advantage this kind of stuffs.

Stock up:

Whenever is Sale, buy it and stock up if you know you can use it. Just be careful and watch out the expiry date so you're not wasting  your money. 

Weekly ads:

Most of the store has weekly ads available online. You can visit it and compare the price at the same time you have an idea about their deals and price. If you been shopping most of the time you know your store well.

Cook from the scratch:

If you're cooking and like to experiment you'll surely save in your grocery cost. I cook from the scratch and I don't really follow some recipe because some of it my husband won't eat nor am I. If you cook with recipe you can eliminate some of the item with your own taste and  you'll have a healthy meal and you save money from then.  I usually buy, spinach for $1.99, broccoli asparagus for $2.99. 

Seasonal Food:

This is very important, just buy what is cheaper on the market like for example your veggies and fruits. Don't buy those expensive fruits and veggies when you know you can buy it for $99.

Know your store:

Some of the store has specialty deals. I know where I have to buy my fruits for cheaper price and my veggies. I like fruits and I buy a lot of them as it is my daughter's snacks. Every wednesday I have to go on grocery and I know they have a great deals.

Grocery is a big expenses of every family. Cooking from the scratch is the best way to go if you want to save money. Like me, I don't plan my menu of the week. I cook and use whatever is on my fridge. Every morning I just look my fridge and put out the meat to thawed and ready to chop. 

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