Canada Recovery Caregiving Benefit: You receive $500 per week (i.e. $2000 per month) for up to 38 weeks, for a potential total benefit amount of $19,000. A $50 tax is withheld at source and you will receive $450 for each 1-week period. Canada Recovery Sickness Benefit: You receive $500 per week for up to four weeks, for a potential total UCAS connects people to University, post Uni studies including teacher training, apprenticeships & internships. Find all the information for your next step. The more lending banks and building societies are willing to provide, the more people can buy a house and prices will rise. The Bank of England also affects house prices through setting the key interest rate in the economy. The lower interest rates are, the lower the cost of borrowing to pay for a house is, and the more people are able to Exhaustion only makes stress worse, so aim for eight or more hours a night. Practice your responses and reduce your stress. Before you know it, you'll be able to honestly state, "I work well under pressure.". Check out our other interview question articles. Learn how to answer: "Tell me about yourself.". W-4 Step 1: Enter Personal Information. Step 1 of the W-4 is just collecting your personal information and filing status. It will ask for information in 3 sections, (a), (b) and (c): 1 (a) First name and middle initial, last name and full address. 1 (b) Social security number. . If only I had taken that job in the bank. A. I wish I tool that job in the bank B. I regret not taking that job in the bank C. I regret not take that job in the bank D. I don’t take that job in the bank Đáp án B Đáp án B Dịch Ước gì tôi có việc đó trong ngân hàng. A. Tôi muốn tôi làm công việc đó trong ngân hàng B. Tôi rất tiếc vì đã không làm công việc đó trong ngân hàng C. Tôi rất lấy làm tiếc khi không làm công việc đó trong ngân hàng D. Tôi không làm công việc đó trong ngân hàng Giải thích việc đã xảy ra regret +Ving Take a lesson from someone I know on the need for emergency savings. Take a lesson from someone I know on the need for emergency couple of years ago, a friend of mine we'll call her Jane had her financial world turned upside down. I'm sharing her story so something similar won't happen to had a pretty good job in marketing. She was earning about $80,000 a year, had a nice apartment, and, being single, she was free to spend that salary on herself. Then Jane lost her job. It was unexpected, as the company was doing well financially, but new management came in and decided to reorganize. That reorganization left Jane and a number of her colleagues out of work. Her severance package wasn't spectacular - about a month's pay. And since the layoff happened late in the year, she had no unused vacation days to cash spent her first few weeks post-layoff going back and forth between moping around and living it up. She even took a vacation to clear her head and make herself feel better. Before Jane knew it, her month of severance was over, and she was nowhere close to having a new job. She also had very little money in her savings account - maybe $1,000. And thus began three of the most stressful months of her danger of not having emergency savingsLike many people in their 30s, Jane had a solid resume and good work experience. She assumed she'd be able to find a new job quickly. That didn't happen. Instead, Jane depleted her savings within weeks of using up her severance pay. Though she was able to collect unemployment benefits, they replaced less than half her income. Meanwhile, Jane was slowly but surely maxing out her credit cards she already had a sizable balance on each. Then, when she applied for a new one, she was rejected, thanks to having bad Jane was never the most responsible spender. Despite earning good money, she routinely missed bills or racked up credit card charges she couldn't pay off. She never shared her credit score with me, but I was led to believe it was pretty was clearly in a pickle. She had too little money to pay her bills, no savings, and almost no flexibility to borrow money. She turned to friends for help unfortunately, she's on her own, family-wise, and we all stepped in differently. One of my friends let Jane move in with her - for free - while she got back on her feet. Jane's lease was month to month, so that helped. I gave Jane a loan to help her cover her remaining expenses and pay off some of her debt so it wouldn't continue accruing costly interest. Another friend put Jane in touch with someone who helped her eventually land a new job. These days, Jane is doing fine financially. She has a steady job with a salary comparable to what she was making before, and she's paid off much of her debt, including the loan I gave her. But she learned a valuable lesson that anyone reading this should take away as well Emergency savings are always a must. Had Jane had more money in the bank, she would've been better positioned to pay her bills while searching for a job. If you're without emergency savings, cut back on expenses right away to free up money to put in the bank. Don't stop until you've saved up enough to cover three to six months of essential bills. Another thing Get in the habit of living below your means. Part of Jane's problem was that she'd committed herself to recurring expenses - like rent and a car payment - that maxed out her paychecks. Having to make debt payments didn't help, either. Once Jane got settled in her new job, she found an apartment that was much cheaper than her previous one. And when her car lease expired, she signed a new one for less. It's hard to predict when a layoff might hit you. In Jane's case, there weren't any warning signs. The best way to protect yourself from the financial impacts of job loss is having money in the bank in case that becomes your reality. It could save you a world of stress, and prevent a single unfortunate career blip from wrecking your finances long-term. These savings accounts are FDIC insured and could earn you 12x your bankMany people are missing out on guaranteed returns as their money languishes in a big bank savings account earning next to no interest. Our picks of the best online savings accounts can earn you 12x the national average savings account rate. Click here to uncover the best-in-class picks that landed a spot on our shortlist of the best savings accounts for 2023. In September 2015, I came to a serious realization I needed to quit my job—even if I didn’t have another one lined the best job for you?Use The Muse to find a job at a company with a culture you love. Select the career path that aligns with youMarketingSalesDataHuman ResourcesCustomer ServiceSoftware EngineeringProduct ManagementEducationDesign and UXAdministrationHow many years of experience do you have?0 - 1 years1 - 5 years5 - 10+ yearsWhat company benefits are most important to you?Health InsurancePaid VacationRemote Work OpportunitiesDental Insurance401k With MatchingVision InsurancePromote From WithinFlexible Work HoursPersonal Sick DaysPerformance BonusCalculating your job matches...For over a year, I’d been working at an employee wellness firm. While I adored my co-workers, the work was unfulfilling. Worse, my small firm had been acquired, and the new leadership team replaced our rules and culture with theirs. They took away benefits like maternity leave and reduced our vacation days. We actually made one of those “worst places to work” lists twice. Usually peppy and optimistic, it suddenly felt like all I could talk about was how much I despised my job and dreaded going I made a plan to leave. I had $15,000 saved—from unspent graduation gifts and diligent saving habits—but wanted at least $20,000 before taking the leap to be sure I could cover expenses long enough to find a new gig. Here’s how I prepared for potential unemployment—without draining my savings or hurting my career I Sorted Out My Health Insurance FirstCovering my rent, car payment, and grocery bills didn’t scare me; they’d held steady around $1,300 for years. What did scare me was health insurance. I’d never had to figure it out on my own, and I wasn’t sure I could find an affordable doing some research dispelled my worries. I picked the second-cheapest plan on the healthcare exchange for $190—just $30 more than what I paid as an employee—which offered decent coverage. My co-pays increased and my physician network decreased, but I was 26 and healthy, so I took a calculated risk. I enrolled six weeks before giving my notice, which ensured continuous I Picked Up Two Side Gigs—and Saved the Extra IncomeEven before things got tough at work, I wanted to eventually transition to a more writing-focused career. So in late 2015, I picked up two part-time gigs to help me gain experience and have another income source a blog manager at my neighborhood gym and a remote editorial gym paid a few hundred bi-weekly, and the internship provided a small stipend—all of which I funneled to savings. Between October and when I quit my full-time job in May 2016, I saved an additional $9,000. Having these side jobs also helped prevent any gaping holes in my I Optimized My BudgetWhen you’re considering giving up a steady salary, suddenly small expenses you never thought about start adding up. That $10 monthly subscription to beauty samples? That’s $120 a year I couldn’t afford. And cable? As much as I love Bravo and random Harry Potter marathons, I didn’t need it. After I cut that and started paying for Internet only, my then-boyfriend now fiancé Chris and I saved $45 a month, or $540 a year, trimmed other expenses, too. I ordered water at bars yes, bartender friends—I’m that person, scaled back on eating out, and tucked my credit card away in my sock drawer so I wouldn’t be tempted to rack up charges. Every dollar spared was added to savings, which totaled about $25,000 before I I Got Buy-In From My PartnerAt the time, we’d been together four years and living together for two, so I had to take him and our cat Mila into consideration. After asking what Chris thought about me quitting—to which he answered, “Yes, please, stop complaining and do something about it!”—I posed some key questions If it took a long time to land another gig and my savings started dwindling, what would we do? Would he consider moving somewhere with lower rent?Without hesitation, he told me he’d do whatever needed to be done, which was a big I Strategized My Next Career MoveIn April 2016, I started applying for new jobs. By the time I left for good in mid-June, I was a finalist for two. But, honestly, I was scared. This was the second job I’d ended up hating in three years. So, yeah, I wondered if the problem was me. Was I being a stereotypical, whiny millennial? What if I hated the next job, too?So I devised a Plan B Keep the writing internship and scout as many freelance jobs as possible once I was officially unemployed. This would help explain a resume gap in full-time jobs, provide income, and give me space to carefully evaluate my next move. Because I’d saved enough for many months off, I didn’t need to jump at every ended up being a smart plan. One of the companies considering me turned out to be a bad fit—they kept changing the job title and description—so I took myself out of the candidate pool. But the other one was right I accepted it that July, just a couple weeks after leaving my job, and I still work there. As for all the money I saved? I invested $20,000 and kept the rest in my savings account, where I could easily access it in case, you know, I decide to quit my job again. Just kidding—but it’s nice to have the option. This article was originally published on Grow. It has been republished here with permission. 1 Jack is unemployed. He has been looking for a job for some time. About a week ago, he found a job. But that job was low paying. If he had taken/got that job, he wouldn't have been satisfied. Because he wants to have a job that is high paying. Source self-made Can you explain the difference in meaning between "take" and "get" a job? 2 The matter is affected by your use of "he found a job". That means he was offered a job and he accepted the offer. 3 The matter is affected by your use of "he found a job". That means he was offered a job and he accepted the offer. When I said "he found a job", I didn't mean this. I meant that he found the job on the internet saw the ad posted by the company, in which all details of the salary, job hours etc were mentioned. Now, in this case what verb would you choose? 4 You can only take a job if it has been offered. "Get a job" would refer to obtaining, and accepting, a job offer. 5 When I said "he found a job", I didn't mean this. I meant that he found the job on the internet saw the ad posted by the company, in which all details of the salary, job hours etc were mentioned. In that case, you need to say, "He found a vacancy", not "He found a job." Now, in this case what verb would you choose? If he was offered the job, I would say "taken". 6 You can only take a job if it has been offered. If he was offered the job, I would say "taken". He was not offered the job, he just saw the ad in which it was mentioned that it is a low paying job. When he read that it is low paying, he didn't apply for it. 7 He didn't apply for the job because /it was too poorly paid/ the pay was too low. There's no need for a conditional. 8 He didn't apply for the job because /it was too poorly paid/ the pay was too low. There's no need for a conditional. Right, but if I use the conditional, would it be correct to use "get"? 9 Yes. "If he had applied for and got that job, he wouldn't have been happy in it" or similar 10 You can only take a job if it has been offered. "Get a job" would refer to obtaining, and accepting, a job offer. I've some difficulty understanding the difference. You said 'get a job' means obtaining and accepting a job offer. That means the job has been offered. While 'taking a job' also implies that the job has been offered. How is that different? 11 I can always refuse a job offer; decide not to take it. 12 I can always refuse a job offer; decide not to take it. I'm still confused, especially about the use of "get". Can you please elaborate more on the difference? Last edited Oct 21, 2021 13 Think of take a job as accepting a job offer. 14 Think of take a job as accepting a job offer. But "getting a job" also means accepting a job offer. You said this in post4 "Get a job" would refer to obtaining, and accepting, a job offer. How then are they different? Last edited Oct 21, 2021 15 If I say "I got the job at the bank." with no other comment, people will assume that I applied for a job, was offered the job, and accepted the job. If I say "I got the job at the bank, but I turned it down.", people will assume that I applied for a job, was offered the job, but I didn't accept the job. If "got the job" really meant "accepting the job offer", the second sentence would be contradictory, but it's not. Because most people want the jobs that they apply for, we assume that they will take the job if it is offered to them. 16 If I say "I got the job at the bank." with no other comment, people will assume that I applied for a job, was offered the job, and accepted the job. [...] I think this is the main the difference If I get a job, it means that first I apply for it, then I am offered, and then I may or may not accept it. If I take a job, first I am offered, then I accept it. I don't have to apply for it. Am I right or am I missing something? 17 Yes. The issue here is "the meaning" of the word and "the implications and connotations" of the word. "Take" means "accept", but you can't accept a job that hasn't been offered to you. 18 I think this is the main the difference If I get a job, it means that first I apply for it, then I am offered, and then I may or may not accept it. If I take a job, first I am offered, then I accept it. I don't have to apply for it. Am I right or am I missing something? Essentially, your understanding is correct. Technically speaking, "get the job" would mean "get the job offer" but we generally take it to mean that we also accept the offer. If we are uncertain whether we will take the job or not, we'd say "I've been offered the job." - I had an interview the other day. - How did it go? - Terrible. I didn't got the job. - I had an interview the other day. - How did it go? - Great. I got the job, and start on Monday. - I had an interview the other day. - How did it go? - Great, I was offered the job. - Are you going to take it? - I'm not sure. - There's a lot of travel involved and you know how much I hate airports. The title, albeit painful, is obvious. HR has just called/emailed you with some kind words wishing you the best as you did not get that job offer you yearned for after the internship. As soon as you heard they murmured the word “Unfortunately…”, the months ahead for you were suddenly clouded with saddening uncertainties. This article hopes to provide you with some clarity of the next sensible actions to be taken after a missed job offer. Step 1 Slow down and take a step back to think 1. You have your lifetime to work The situation you are in is difficult and admittedly, no one shall wish to be in this shoe. You have worked very diligently to obtain the internship offer. You may also have burnt yourself throughout the 3-month summer internship with the desire that your job search shall be put to rest with the eventual job offer. Yet, the result you heard is rather disappointing and saddening. Rejections are challenging as they affect the way we see ourselves and set us to a different path than otherwise envisioned. However, the storm of disappointment that you feel has potentially exaggerated the scale of this set-back. You might currently feel a staggering peer pressure as everyone, but you, seems to be on track to a definite and certain path. Your desire for the comfort of a guaranteed job after graduation is not letting this rejection’s bitterness go. The question that you may have missed in the midst of all these emotions is “Why so rushed?” Once you start working, you will realise that you have the rest of your life to work. Your professional development is a life-long journey where this challenge you face is just the very beginning of it. In a typical adulthood, you shall be working for the next 40 years of your life, with the likely potential of facing more significant set-backs. An example of more significant set-back could be when you are suddenly laid off with zero income, whilst having the duty to make ends meet and take care of a family. Let’s compare that example with the current situation. Without having this job offer, you still have a university to come back to, still living for free on the finance of interest free student loan, or funds from The Bank of Mom and Dad. More importantly, it costs you nothing to try again and re-apply. It doesn’t sound too bad, does it? It is indeed a privilege to having only spent a salaried three months and already knowing that this path may potentially be not for you. Most people in your parents’ generations only recognise the need for a career change after having wasted years in the job as they didn’t have the luxury of such internships, or such rejections. Putting into perspective of your life-time journey, this challenge you are facing is not significant. It is actually a blessing to have rejections and realise the need for change early. 2. Get to state of peace for best evaluation/ decision making It is important, however, to evaluate what happened to learn from it, and ensure the same mistakes are not being repeated. My previous blog has outlined the specific steps to how to feel better, overcoming the emotional storms and getting to state of peace for best evaluation/ decision making. I shall recommend you practice these specific steps outlined in that article to achieve internal peace, before starting the evaluation process. 3. They may change their mind… but it’s time to move on I had two mentees who did not get the job offer post-internship initially. However, they were contacted by the banks a few months later suggesting if they’d like to take up the positions. Therefore, there is a chance that they may change their mind, especially if you were in the marginal “Maybe” buckets in your end-of-internship valuation. However, in both cases, the two individuals have moved on and had other offers elsewhere, hence rejected the banks which rejected them. Although the possibility of the banks changing their mind is not zero, don’t wait for it. Even if they do, most likely they’d only contact you around Mar-May the following year. The reason for the employers to change their mind is simple Higher-than-expected number of analysts leave after bonus season which is usually in February. The employer then has a sudden lack of staff which were not envisioned during the recruiting season the months earlier. Hence, for such short-notice hire, they scout for the ex-interns whose performances were deemed marginal, or those they weren’t able to hire previously due to headcount issues. Because waiting for the employer to change their mind is such a long wait with a very slim chance, it’d be too risky to bet on this event. Therefore, please accept and move on. Things did not happen the way you wanted, but you always have another tomorrow to make a better future. You may say “Everyone has told me to move on – but how do you actually do it?” The rest of the article outlines some specific actions to take, to reverse this circumstance. 4. Evaluate what happened Is it the bank, the job or is it you? No one likes looking into the ugly past; however, it is important that you perform some introspection into the cause of this unfortunate event. The question that provide the most clarity to the reason for this “break-up” between you and the employer is “Is it the bank, the job, or is it you?” Was you not hired because of bank-specific reasons? no headcount in specific teams, teams currently being down-sized and restructured, culture/ people do not fit you, your nature or your expectation If not Was you not hired because of job-specific reasons? product too technical, specialised or require an opposite skillsets than what your nature/ strength can inherently offer If not Was you not hired because of “you”? The last question is rather difficult to admit or assess. Unless there is a certain and obvious “logistical” reason why the employer could not admit you, most of the time the reasons for rejection is because of you, your lack of skills or corporate exposures, your own work ethics, lower-than-expected output quality, your attitudes or that you seem not to fit in/ people don’t like to work with you. This is nothing against you personally – they are right but you are not wrong neither. You are just being yourself. Think of your job/ team selection like a marriage It is indeed similar to a marriage because in most finance/ banking jobs, you spend more time with your team than your life partner. In your life, you may have been rejected by the opposite sex or went through break-ups sometimes. In those occasions, you have your reasons and they have their reasons; in the end of the day, no one is wrong. It was simply not a compatible match. It is hard to assess your own areas for developments because we as human have the tendency to see what we thought have happened, not what you actually happened. To eliminate bias and hear the truth, if you have an advocate or a person whom you trust in the team whilst you were working there, call them up. Tell them in advance the purpose of the call is for your learning and personal development. Ask them for the negative feedbacks and the very specific details of why they think you are not hired. It is surprisingly difficult to get negative feedbacks out of employers they rarely give honest negative feedbacks these days. Don’t ask feedbacks for the formality of asking feedbacks and be complacent with general comments such as “You are doing great, do not worry”. You must walk away learning something about what you can improve, hence being really aggressive on chasing them for the really negative feedback that is specific, actionable and quantifiable. Not many ex-interns who call up their ex-bosses and asked for feedbacks, if you do it right, you may leave a long lasting impression on them and increase your chance of being called up when they change their mind later See section 3. Step 2 Accelerate and taking actions 5. Looking elsewhere and evaluate your best options This step depends on the best answer that you’ve obtain in section 4. Is it the bank, the job or is it you? The course of actions is rather simple If the answer is “bank”, and assuming your interest in the job still remains, your best chance is apply to the same job in another bank. If the answer is “job”, and assuming your interest in the bank still remains, your best chance is apply to another job in the same bank. If the answer is “you”, the course of action is not so simple. The following paragraph may be able to provide some lights. When I encounter someone and make an overall assessment of a person, I usually separate them into two components the person “core”, and their behaviour. The core of you is contains of elements such as your personality, your values, your morals, your beliefs and your life purposes. Your behaviour changes all the time depending on external factors such as moods, environments and mental states; however, the core of you is quite stable and difficult to change over a short period of time. An opinion on someone is best formed on their “core”, due to the unstable nature of behaviour. As you consider these two elements If the reason that you were rejected is due to certain behaviours slow response on emails, you can change or consider revising them in your next post. If the reason that you were rejected is due to the conflict between the “core” of you and the job/ employer/ industry what they do is against your morals, it’s suggested that you consider a different job/ employer / industry. 6. If you are back to university If you are back to university after the internship, I urge you to consider two goals. First of all, please get a good grade. Regardless of how disappointed you may feel now, your study should still be attended to. This undergraduate degree may be the last and only degree you shall complete, hence the grade will stay with you for your life time. A setback like no job offer may be completely forgotten 5 years down the road. However, if someone writes a biography of you 30 years later, they will still write on the fact that you have graduated with First Class from university. Second of all, although it’s tempting to take some time out after set-back like this by, taking a gap year, beware of taking a complete break. Potential employers do scrutinise any employment gap. Unless you can provide an excellence example of a year full-packed with opportunities that vastly improve your employability, any blank gap in your employment history usually works against you in future endeavours. Step 3 Maintain velocity Events like rejection make you stronger. They are also valuable chance for introspections. Setbacks are usually the junction where your life turns into a new page, appreciate this chance and use it wisely. For whatever course of action you shall take next, make an informed decision, stick to it until outcome is obtained, review the outcome and evaluate feedbacks for the next decision, and repeat. I have collected over 100 of myself and my friends’ cover letters and published it at Cover Letter Library to help you. This member-only library includes successful cover letters from people who secured jobs at all major investment banks, big 4 firms and other. Check it out 🙂 Illustration by my friend Karl – I am also active on Instagram too! Follow me

if only i had taken that job in the bank