Monday, April 20, 2020

Resume Summaries - What to Include in Your Resume Summary

Resume Summaries - What to Include in Your Resume SummaryResume summaries are a great way to cover up your weaknesses. It is important that you keep your strengths up-to-date. So, if you happen to have been in a variety of different positions within your life, it will be very helpful for you to keep track of these experiences.Resume summaries are very informative, and they can really highlight the qualities that you have that could be a benefit to a potential employer. If you are currently unemployed and looking for work, it will be quite beneficial to have a resume summary. Not all employers use resumes, but many do use them. So, if you are a fresh graduate or someone who has not had a position in awhile, it may be beneficial to you to create a resume summary. That is the last thing you want to do if you are in need of employment.You should always include in your resume summary of the most recent positions you have held in order to get the most out of the summary. If you work for yo urself, if you were fired from a job, or if you recently got laid off, your resume summary should include the job you had at that time. In addition, if you have been the victim of theft, be sure to list this on your resume summary as well.Always include in your resume summary any educational achievements that may have prepared you for the position. In addition, list any professional awards that you might have received such as an award for excellence in a particular area of work, even if you have not won one yet.If you have ever had to get a background check, then list it in your resume summary. This will show potential employers that you have dealt with this in the past, and you have good reason to believe that they will like you. Finally, if you have ever been involved in any legal action, then it is also a good idea to list this on your resume summary. If you have ever had to search for a job before, it is a good idea to include this in your resume summary. Many employers might lo ok at resumes by reference to your search for work.Although you can never please everyone, it will be better for you to include your accomplishments in your resume summary. If your employer asks you about it, just be sure to give them all of your best efforts.

Tuesday, April 14, 2020

This is the Best Bank in America for Every Region

This is the Best Bank in America for Every Region As the Internet has changed so many of our daily tasks, so too has it altered the way we bank. Americans are busier, clock longer hours, and work remotely more than ever before, and the ways we access our cash have evolved with our lifestyles. Although traditional aspects like customer service and branch locations still matter, bank customers today demand optimal online and mobile experiences too, says Rob Rubin, director at bank consultancy firm Novantas and creator of account shopping website FindABetterBank.com. “Convenience is always the leading driver,” he says. “People care about digital features like mobile banking, mobile check deposit, and peer-to-peer transactions.” Our research confirms this: 68% of Americans rated online banking as “very important” in a recent survey conducted for MONEY by market research firm Morning Consult. That’s a larger share than for 20 other services or features, behind only customer service and fraud protection. To find the banks that are mixing modern-day convenience with quality products, MONEY analyzed accounts at more than 175 financial institutions for our annual ranking. We’ve named winners by region and by type of bankâ€"online, credit union, and big bankâ€"as well as highlighting individual accounts. For the regional category, we focused on free checking and savings accounts, with competitive ATM fees. We also sought above-average customer service, based on J.D. Power’s 2018 ratings. Of course, we know few people are jumping at the prospect of switching banks. Rubin of Novantas says fewer people than ever are doing so: 7% of households with checking accounts will switch banks this year, down from about 14% in 2010. Digital benefits mean it’s no longer necessary to change banks even after a long-distance move, and those same digital connections can make it a pain to break up with your bank. In fact, visitors to FindABetterBank.com report negative experiences as the most common reason for switching banks, Rubin says. And more than half of you told Morning Consult that you’re currently pleased with your bank. Yet it can payâ€"literallyâ€"to be more proactive. Banks are reintroducing free checking accounts, but other fees are ticking up. On the plus side, interest rates on savings accounts are rising for the first time in a decade, says Brian Karimzad, founder of MagnifyMoney, a financial product comparison website. “It’s really changed the equation in terms of where you want to park your money,” Karimzad says. Read on to find the accounts with which you can dodge fees, grow your savings, and bank with digital ease. Banner Bank Why it wins: Banner offers multiple checking accounts that have low, easy-to-waive monthly fees or are free altogether. The bank doesn’t charge fees for withdrawing from an out-of-network ATM and even offers unlimited refunds on the fees charged by ATM ownersâ€"a rarity among traditional banks. Banner is also J.D. Power’s top-rated bank for customer service in the Northwest region. Caveat: There’s little not to like, especially after Banner raised the interest rate on its basic savings account to 0.1%. Yet the savings account does require a $100 minimum balance to waive a small monthly fee. Where you can find it: Calif., Idaho, Ore., Wash. Key account: Connected Checking Monthly service fee: $0 Outside ATM fee: $0 Washington Federal Why it wins: Washington Federal offers a checking account with no monthly or ATM fees. And you can avoid surcharges from ATM owners by sticking with one of 32,000 ATMs in the MoneyPass network the bank participates in. Washington Federal’s overdraft fee is below average, at $25, and interest on its savings account is above average, at 0.1%. Caveat: Depending on which state you live in, the bank’s 236 branches may not be convenient. Where you can find it: Ariz., Idaho, Nev., N.M., Ore., Texas, Utah, Wash. Key account: Basic Checking Monthly service fee: $0 Outside ATM fee: $0 Finalist: If you live in Montana, Wyoming, or Colorado, check out Glacier Bank. Its Easy Interest checking account is free and pays 0.01% interest. First National Bank of Omaha Why it wins: With no minimum deposit required and no monthly fees, First National Bank of Omaha is an easy pick. It also offers free out-of-network ATM transactions and a robust national network of ATMs (so you can avoid ATM surcharges). And the bank is a regional winner in J.D. Power’s 2018 customer service ratings. One other perk: First National offers a refund of one overdraft fee every 12 months. Caveat: You may be a long drive from any of the bank’s roughly 100 branches. Where you can find it: Colo., Ill., Iowa, Kans., Neb., S.D., Texas Key account: First National Checking Monthly service fee: $0 Outside ATM fee: $0 Huntington Why it wins: Huntington is a perennial top performer in J.D. Power’s customer service surveys. The basic checking account is free, and if you maintain $5,000 in your account, the bank will waive the monthly fees on an account that earns a bit of interest and refunds five out-of-network ATMs. With both accounts, you’ll get free overdraft protection and a 24-hour grace period to deposit cash and avoid overdrawing. Caveat: To avoid a high $3 out-of-network fee, you’ll have to use one of the bank’s 1,800 ATMs. Where you can find it: Fla., Ill., Ind., Ky., Mich., Ohio, Pa., W.Va., Wis. Key account: Huntington 5 Checking Monthly service fee: $5, waived with a $5,000 combined balance Interest: 0.15% Northwest Why it wins: You can’t do much better than free ATMs and free checking and savings accounts. Plus, if you keep at least $1,000 in your checking account, Northwest will waive the fee on its interest-bearing option. The cherry on top? J.D. Power names it a regional winner for customer service. Caveat: The bank is in only two states in this region (plus Ohio), with 162 branches and 10 drive-thru locations. Where you can find it: N.Y., Ohio, Pa. Key account: MyNorthwest Checking Monthly service fee: $0 Outside ATM fee: $0 Finalist: TD Bank has a wide footprint on the East Coast and strong customer service scores. While high, the $15 monthly fee on the Convenience Checking account can be waived with a $100 minimum daily balance. NBT Why it wins: NBT has a free online checking account that pays a bit of interest and an out-of-network ATM fee that’s well below average in the region. Caveat: Apart from New York State, NBT is mainly in major cities. If you live in eastern Massachusetts, Rockland Trust has more branches and a reputation for outstanding customer service. Where you can find it: Maine, Mass., N.H., N.Y., Pa., Vt. Key account: eChecking (must be opened online, but you can still bank at a branch) Monthly service fee: $0 Outside ATM fee: $1.25 Renasant Why it wins: If you meet the requirements for the Rewards Checking account, which includes e-statements, 10 debit card transactions a month, and a direct deposit or online bill pay, you’ll get $25 in ATM rebates and earn an interest rate that tops most banks’ savings accounts. Caveat: If you don’t meet the requirements, you can still get a free checking account, but you’ll be hit with $2.50 out-of-network ATM fees. Where you can find it: Ala., Fla., Ga., Miss., Tenn. Key account: Rewards Checking Monthly service fee: $0 Outside ATM fee: $2.50, with up to $25 refunded if requirements met Finalist: If you live in Arkansas, North Carolina, or South Carolina, Bank OZK is a strong option, with free checking and low out-of-network ATM fees. Frost Why it wins: Frost is a runaway champion in J.D. Power’s customer service rating for Texas. It should be easy to avoid the $2 out-of-network ATM fee with more than 1,200 ATMs across the state, and the 0.2% interest on its savings account was among the highest we saw in Texas. Caveat: If you like to travel or are often out of state, there’s no way to avoid or get refunds of ATM fees. Where you can find it: Texas Key account: Frost Personal Checking Monthly service fee: $8, waived with $100 direct deposit, $1,000 daily balance, or $5,000 combined balance Outside ATM fee: $2 MONEY partnered with FindABetterBank.com to produce this year’s Best Banks rankings. FindABetterBank.com provided account terms for more than 175 financial institutions, and our team reviewed account minimums and qualifications, ATM fees, overdraft fees, and interest rates. When selecting finalists, priority was given to checking and savings accounts with no or easily waived monthly fees, free ATMs, and higher interest rates. In naming free accounts, we assumed customers would be okay with receiving e-statements to avoid a monthly fee. When available, we weighed customer service ratings from J.D. Power’s 2018 U.S. Retail Banking Satisfaction Study. MONEY’s edit team independently fact-checked information in August and September.

Monday, March 16, 2020

How Women Can Maximize Their Leadership Skills

How Women Can Maximize Their Leadership SkillsTheres a long way to go before we can say that we have gender equality in the workforce. That idealworld would include total guaranteed pay equity, family leave, and a host of other less tangible things on the equality laundry listfruchtwein which would involve women getting the respect they deserve, not to mention recognition for their performance and the freedom to go about their workdays without having to deflect sexism or misogyny. googletag.cmd.push(function() googletag.display(div-gpt-ad-1467144145037-0) ) Maybe you work in an environment that feels well ahead of the curve. If so, thats awesome. But perhaps you dont, and you are striving to understand how you can have the kind of career you want despite the minefield of obstacles that landseem to stand in your path. Either way, lets face it. Women canand often aretreated differently in the workplace.Have you ever been called honey or doll by a client or a oben liegend? Have you eve r been the only person asked to fetch coffee in a meeting of fruchtweinly men? Have you been passed over for promotions in favor of male colleagues who havent been working there as long as you have and, at least as far as you can tell, havent matched your performance or achievements? These are but a few of the many ways in which women are still being left behind professionally.According to the latest accounting by Catalyst, women currently hold only 5.8% of CEO positions at SP 500 companies. Thats a pretty measly slice of the pie. How, you might be wondering, can those odds be changed? Theres a lot of chatter (online and in bestselling books and inspirational speeches) about what women need to do to get to the top. Leaning in is just one strategy. Dressing or acting less feminine is another popular onethat means upping your aggression, going in for the kill, learning to be a mercenary in a cutthroat business world. But if these strategies feel a little severe to you, or abrasive, or you just cant imagine these tactics working for you, there are other ways.Embrace Your Natural Leadership AbilitiesKeep in mind, women have a wealth of natural leadership skillsand have for generations. Think about the hardworking, iron-willed and purrumliche lageful women in your family. Think about how your family has been held together and shepherded through tough times over the years. Chances are a woman is responsible for some or most of that. Think for a second about the unsung skills of your foremothers. Just because they arent recognized as they should be doesnt mean their skills arent praiseworthyand arent just the kind of leadership qualities you might innately possess.Things like emotional intelligence, instinct, crisis management, multitasking, troubleshooting, and opportunity managing. Women have (mostly) andrang the domestic show for a long time, and so effectively and seamlessly that nobody thinks to notice their labors, or their wealth of skillsor to notice how thos e skills might so easily translate into assets in the corporate world.Every woman is different. And gender differences dont always fall along cookie-cutter lines. There are plenty of women who wouldnt identify with all or any of the above traits, and plenty of men who would. But, generally speaking, most women do tend to be more collaborative and to take a slightly different tack in decision-making and leadership matters.Just because there are these marked and observable differences in most cases, it is also true that there arent any real substantive differences in what it takes to be a good leader that would disqualify a woman or more naturally recommend a man. Women are just as passionate, just as entrepreneurial, just as driven, just as strategic, and every bit as capable. Humans are humans, after all.According to a Gallup poll in 2015, employees with female managers were found to be more engaged in their work than those with male managers. Despite thisand despite the fact that w omen are 51% of the population, only 33% of employees in the U.S. have female bosses or supervisors. At the 2013 World Economic Forum, founder and executive chairman Klaus Schwab said that A world where women make up less than 20% of the global decision-makers is a world that is missing a huge opportunity for growth and ignoring an untapped reservoir of potential He welches (and still is) right. The more diversity of decision-makers in the workplace and the world, the better off the world and the workplace will be.Develop Key SkillsStart by leveraging the authentic qualities you started out with, rather than downplaying those traits in favor of more stereotypically masculine ones. Embrace your empathy and intuition. They can be invaluable tools for innovation and strategic marketing. Lead by example. Go high when everybody else is going low (thanks, Michelle Obama). Use your problem-solving skills rather than studying from some male-written business manual. Trust your own ideas. Spe ak when you feel you should, but not just for the sake of speaking. Stay quiet and listen when you feel thats most appropriateyoull never know what you might learn or how your patience might be rewarded when you finally do interject and lobby for your ideas.Cultivate ConfidenceThis may be a tough one, but its necessary. Ever met a male CEO or industry leader without it? Start by faking it eventually youll make it. And remember, you wont get where you want to go by trying to please everyone you come across. If youve done your homework and you know your industry and your job inside and out, then speak up join the fray. Trust yourself. You know what youre talking about. Speak up and share it. Dont be afraid to show the world that you are well aware of your own merits and qualifications and that you feel quite strongly when youve got the right idea.Be an Actor, Not a ReactorKeep an eye out for opportunities to make a real impact and create a reputation for being a real contributor to pr ojects and causes that matter. But also try to balance that a bit. Work-life balance is important. You cant rise to the top if youre too stressed and exhausted to support yourself on the way up. Your contributions will be most valuable when theyre backed up by good stores of sleep and health and verve.Work to Build a Matriarchy from WithinHelp other women. Pull your sisters up to the next promontory as you reach it. Mentor women and girls in your field. But also keep in mind that (most) men arent adversaries. Reach out for other, very different perspectives and advice. Seek out both male and female mentors and learn to navigate a path that feels right to you between their unique points of view. Learn to see what all good leaders have in common, regardless of their gender. (Hint this will be a long list.)Above All Listen for Your Own VoiceSeek out the stories of women who have made it to those coveted top rungs. Many top women leaders will say that there are a few qualities most cruc ial to the kind of success in leadership that you crave. Things like being proactive, constantly striving to learn new things and move your business (and indeed your industry) forward. Being able to negotiate confidently, rather than settle quietly. Being flexible, and able to adapt to any situation or crisis you may confront, open enough to think outside the box for a solution. But also keeping your eyes open, using your listening skills and powers of observation. Staying focused, despite all of the noise. Being authentic, true to yourself, but never keeping silent. Being outspoken, even if that means learning to get comfortable not being universally liked.Remember, you are your best (and sometimes only) advocate. Only you can be truly confident in your capabilities. Its up to you to convince everyone else. Toot your own horn and the horns of the women you work with. No one will do it for you. Strike that power pose and unleash your creative forces. Pitch your ideas. Be audacious. Soon, youll be respected, even if not universally everyones best pal or favorite colleague. Respect, above all else, is key.In an ideal world, the burden wouldnt fall so squarely on women to prove their mettle and earn the respect their male colleagues seem to start with at the bottom rung. But the world wont always be so lopsided. You could be one of tomorrows leaders, a captain of industry who commands respect and changes lives. You could help shape a better, brighter worldnot just for women in the workplace, but for all of us. So go ahead and take your seat at the conference table. And dont be afraid to stand up and grab the mic.

Wednesday, March 11, 2020

The 10 Best States to Retire In This Year, Ranked

The 10 Best States to Retire In This Year, Ranked Its never too early to start thinking about retirement 30 percent of retirees havent saved enough cash so the sooner you start planning, the better. When calculating the amount you need to save in order to meet your desired standard of living depends on whereyou want to retire.Earlier this year, WalletHub released a report of the best states to retire and compared each state across three dimensions (1) affordability, (2) quality of life and (3) health care. Then, each state was evaluated against 41 indicators such as crime, cost of living, health, weather, public transportation, proximity to attractions and overall quality of life.Some states scored poorly in some categories, like cost of living, and made up for it in others, like health care, so when planning your dream retirement destination, make sure to consider factors such as your health, your finances and how you plan to spend your time.Here are the best states to retire in 201 8.1. FloridaIts no surprise the Sunshine State topped the list of best places to retire, despite ranking No. 20 in health care. Famous for nearly year-around warm weather, beaches, and of course, Disney World, Florida is the most affordable state for seniors and has the highest percentage of population age 65 and older.2. ColoradoColorado comes in at No. 2 for health care and No. 5 for quality of life but didnt crack the top 20 for affordability. Residents enjoy 300 days of sunshine each year, cuisine like no other and plenty of outdoor recreation with easy access to the conveniences of city life.3. South DakotaSouth Dakota is the second most affordable state for retirees and has no state income tax, making it very friendly to budget-conscious retirees. Famous for Mount Rushmore, there are plenty of outdoor activities including hiking, biking, fishing and skiing.4. IowaA top state for health care, Iowas cost of living is 12 percent lower than the national average. Iowas plains and rolling hills are complemented by some of the best cultural attractions and outdoor recreation options for seniors.5. VirginiaVirginia offers a milder climate than the most southern and northern states, with meerbusening weather 9 to 10 months of the year. With easy-access to Washington, D.C., there is plenty of American history to explore. If history isnt your thing, the varied landscape from beaches to mountains offers plenty of activities for all.6. WyomingWyoming is very friendly to retirees from a tax perspective because theres no income tax. Home to Yellowstone National Park, much of Wyomings land is government owned, so theres lots of territory to explore, making it ideal for an outdoorsy retirement.7. New HampshireNew Hampshire has the lowest property crime rate in the country, and is the third safest state. The Granite State is also home to unique attractions the grandkids (and grandparents) will love such dog sledding, the Ice Castle, Story Land and Santas Village.8. Ida hoIdahos capital, Boise, is a uniquely outdoor-orientated city. From fly fishing to skiing, there is no shortage of outdoor activities. The Potato State also has many art attractions, including a philharmonic orchestra, a ballet and opera company, art museums, public art displays and theaters.9. UtahWith a low crime rate and a higher than average life expectancy, Utah is home to some of the most beautiful national parks in the country, including Canyonlands, the Great Salt Lake, Zion National Park, Capital Reef and more. Youll also find world-famous skiing, the Sundance Film Festival and outdoor concerts.10. ArizonaRounding out the top ten is the Grand Canyon State. Arizona doesnt tax social security, and theres no gift, state or inheritance tax. And, of course, its home to national treasures like the Grand Canyon and Red Rock State Park. With more than 300 days of sunshine a year, theres plenty of time to enjoy outdoor activities, such as one of the 421 golf courses, 70 of which ar e nationally ranked. Though the desert climate makes it one of the hottest states on the list, theres no need to worry its a dry heat.--Samantha Smoak is a journalist turned PR professional based in Nashville, Tennessee. For sports jokes and dog pictures, follow her on Twitter and Instagram at samanthaksmoak.

Friday, March 6, 2020

Things You Should Know About Michigan Works Resume

Things You Should Know About Michigan Works Resume The Michigan Works Resume Cover Up You ought not add many details for the jobs which arent related to your preferred internship. Business opportunities arent considered immediate openings. You might believe that ansicht projects ought to be written in the education section. Youre applying for your internship so as to obtain experience. If money is a problem, search the world wide web for local free networking events theyre everywhere. Core services are supposed to be self-directed and user friendly. Creating your resume is essential. Works well with a range of distinct individuals. Nevertheless, its excellent to have the hiring manager to find that youre a responsible and serious individual. A work seekers account will stay active, but their profile wont be returned in employer candidate searches in the event the account has not yet been logged into within the previous 90 days. Just highlight why youre an excellent can didate for your position. You might not have work yet but youre working As you would like to show that youre professional, you should write your complete name with no nicknames offered to you by your pals. If you think your private information is used fraudulently, please contact your dezentral authorities. When giving the best resume maker you will need to address the correct person in control of the selection. Career aspirants ought to be conscious of a resume template instead of a courses vitae template. Many applicants have begun utilizing this template now-a-days. There are three major types of resume templates. How to Get Started with Michigan Works Resume? Salary The typical salary for an immediate care worker is approximately $50,000 each year. If you dont possess the skills necessary for the applied position, you can frame your present skills to consent the prerequisites of the employer. Do not neglect to mention the essential skills in your resume if youve go t them. Soft abilities, also called interpersonal abilities or people skills, are not simple to quantify. To prove that tough work and fun can at times co-exist. If you dont dwell in the region, call 1-800-285-9675 to be automatically routed to the closest location. Its still true that you require time to unwind and re-energize. Be aware you will write all of these below, in the remainder of your resume. Michigan Works Resume Secrets That No One Else Knows About How you speak about yourself will earn an enormous difference in the way you see yourself and how folks react to you. If you know somebody who works somewhere you would like to apply, ask them to devote a fantastic word for you. If you dont possess a particular skill, avoid writing it. Practice decent listening skills, like nodding to show youre interested in what theyre saying. The event is totally free and open to the general public. The University of Michigan was founded in 1817 among the very first public u niversities in the country. It has one of the largest alumni networks in the world with more than 540,000 living alumni. Again, your regional Michigan Works

Thursday, January 2, 2020

Instant Solutions for Civil Engineer Resume

Instant Solutions for Civil Engineer Resume Get the Scoop on Civil Engineer Resume Before Youre Too Late You should write about various elements of your personality which make you the suitable candidate for the job. To the majority of non-specialists, its tough to distinguish the differences. It is a very rewarding job theres a wonderful awareness of teamwork which arrives through creating something and facing challenges together. What truly matters is the kind of resume you must create. Your CV should seem to be made particularly for the position youre applying for. Relevant information about your skills have to be included in your resume and thus dont be afraid to provide relevant details. The title of Civil Engineer is a vast umbrella that covers a wide range of occupations. Your resume or CV is really a persuasive document, where you making an effort to persuade a business to hire you. The employer mainly focuses on the particular skills which are necessary in the bu sinesss project. Again, what you could provide the business. You will need to reveal the company which you not only know but you could also do. Our company is the correct size for professionals who wish to create an impact inside an organization. Being a technical writer can signify a great verstndigung im strafverfahren of things based on the company, the team and the necessities of the undertaking. You should choose carefully based on the type of work that youre aiming for as well as what company you wish to apply to. Whats more, it was inspired by Scotch Roman designs of the 19th century, so should you wish to be noticed, you may want to go with something different. Any part time work in related fields like construction will also help show your understanding of the business and ought to be benefical at getting you to the interview. Resume cover letter samples are written in the manner to provide you with a notion of the way in which a best cover letter should be. When yo u send a cover letter digitally, dont neglect to add links to your website, portfolio, social media channels, and any other sites that apply. If you cant get the reader to immediately realize that you satisfy their requirements without searching for the info, then you arent going to get selected. These days, the civil engineers represent menschlich progress and modern-day civilization. Up in Arms About Civil Engineer Resume? To find out more on what it requires to be a Civil Engineer, take a look at our complete Civil Engineer Job Description. If you get the job, you may want to communicate with them daily. You probably feel the job is a superior fit. You have to work hard to discover that very first job. Decide on the image which you want to insert in the Word document. Microsoft Word itself has a function that will allow you to attain that. If youre looking for Civil Engineer Resume Template Word youve come to the proper spot. Unfortunately there are a few fonts which are tough to read and thats off-putting. Have a look at free resume examples on the internet and youll observe that headings ought to be the exact same all throughout. Today, the quantity of absolutely free zugnglich resume templates is astounding. There are a lot of resume templates that are publicly on the web. The Fight Against Civil Engineer Resume Youre going to compose the very best civil engineering resume around. The duties and obligations of a civil engineering technician cut across a variety of activities. Project Management As leaders on an undertaking, civil engineers have to have the ability to find a project through from start to complete. Therefore, they need to have strong critical thinking skills. Civil Engineer Consultant CV A civil engineer consultant is ordinarily an expert or a professional civil engineer professional in a particular area and has a large understanding of engineering subject issue. Civil engineers take ultimate responsibility for those p rojects or research they perform. Engineering is a competitive field, and that means you will need a great resume so as to stand out. Civil engineering demands an engineering degree or something similar, and lots of engineering jobs need further certification.

Saturday, December 28, 2019

Older workers being pushed out of jobs before they can retire

Older workers being pushed out of jobs before they can retireOlder workers being pushed out of jobs before they can retireOlder workers are often at the height of earning power, enjoying the fruits of their hard work over a long career. Still, with fewer and fewer workers without a pension, most need to work until age 65. New information shows that theres no gold watch in their future in fact, its likely they may not be allowed to work until retirement age, despite laws against age discrimination.ProPublica and the Urban Institute performed a data analysison older U.S. workers and found that over half are pushed out of their jobs before they want to retire.The analysis used data from the Health and Retirement Study, a nationally representative sample of 20,000 people that since 1992 has followed people once they turn 50 over the rest of their lives. The research concentrated on workers who began their 50s with stable, full-time jobs that theyd held at least five years those who pre vious studies had shown to be the least likely to encounter employment problems.And yet the results of the analysis were staggering.56% of older workers over 50 were found to have been laid off at least once between turning 50 and retiring either that, or they left jobs under such financially damaging circumstances that its likely they were pushed out.More than a third who suffered one involuntary job loss will go on to endure mora of them.Just 1 in 10 of these employees regained what they earned before being laid off or pushed out. Even years later, their incomes were still recovering.15% of over-50s in stable jobs quit, later reporting to HRS that their hours, pay, work locations, or treatment on the job had changed making their leaving not so voluntary at all.There are 40 million Americans over 50 still working, according to the U.S. Census Bureau. According to ProPublica and the Urban Institutes analysis, as many as 22 million of these people have or will suffer a layoff, forc ed retirement or other involuntary job separation. Just over 2 million of those have or will recover financially.This isnt how most people think theyre going to finish their out their work lives, said Richard Johnson, and Urban Institute economist who worked on the analysis. For the majority of older Americans, working after 50 is considerably riskier than we previously thought.