How to Get Your Resume to the Top of the Pile

Picture: Christa Dodoo

Applying for a job with a company that receives hundreds, if not thousands, of resumes for a single role can be daunting. You might know that you have the skills, experience, and qualifications to be perfect for the job, but that’s not to say dozens of other applicants aren’t as fitting. There are no guarantees that you’ll be in the running for an interview and an eventual job offer, but doing some of the following things might improve your chances.

Create a Professional-Looking Resume

A standard resume with a bullet-pointed list of qualifications might not be enough to help you be considered for a new job, especially if that role typically requires creativity on a daily basis. Check out a professional resume sample, and you’ll understand how well-designed and creative they can be to make them stand out. The more professional and well-crafted your resume looks, the easier it might be for it to ‘pop’ against other resumes in the hiring manager’s pile.

Use Your Connections

It’s not always what you know. Sometimes, it’s who you know. You might improve your chances of being noticed by a prospective new employer by reaching out to distant acquaintances who already work there. Studies have shown that ‘weak ties’ with an employee within a company can improve your chances of securing employment more than strong ties. Expand your social network, get to know more people, and you might be able to use these connections in the future to help you land your dream job.

Get Creative With Your Cover Letter

The average hiring manager has likely read dozens of near-identical cover letters from multiple job applicants. Cookie-cutter cover letters fulfill the requirement for having a cover letter for an online job application, but they are by no means the most effective option for making your application stand out.

Don’t be afraid to get creative, even if it means going beyond the company’s requirements for introducing yourself. Use humor and buck the trend by straying away from common terminology like ‘to whom it may concern’ and ‘I am writing to apply for the position of.’ The more unique your cover letter, the more intrigued a hiring manager might be to prioritize reading your resume.

Send It Direct

When a job advertisement is published on a job seeker’s website, an email address is typically provided for your cover letter and resume. While it’s typically a good idea to send your information to the generic job application email address provided, you might stand out by using your investigative skills to find the hiring manager’s direct email address.

Instead of your resume being lost within dozens of emails, it can be the lonely resume that makes its way into the inbox of the person in charge of making hiring decisions. This might work to your advantage and show that, as well as the skills you listed on your resume, you’re also tenacious and can think outside the box.

Getting your resume to the top of the pile is never easy, especially when you’re applying for a role within a well-established company with an exceptional reputation. However, professional design, a unique cover letter, connections, and investigative research might all help your chances of being noticed.


Bitcoin receives a 5% boost

Bitcoin Most cryptocurrencies have moved in an unexpected and less steady manner during the last year.

The failure of multiple stablecoins contributed significantly to the crypto market’s downturn, and the November collapse of FTX pulled the sector back from its sluggish comeback.

Since then, the crypto market has gained some stability, and this week has brought more good news.

On Monday, the price of Bitcoin surged as banking institutions validated the popular cryptocurrency.

Bitcoin increased by more than 5% to $28,0002.18 according to Coin Metrics.

The gain brought the cryptocurrency to its highest level since early May.

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Sympathy for crypto

Since late last week, the response to cryptocurrencies has been overwhelmingly favorable.

Some of the feelings may be traced back to a BlackRock filing in which it applied for the first-ever spot Bitcoin ETF in the United States.

BlackRock is one of the leading suppliers of investment, advising, and risk management solutions, making it one of the most trustworthy businesses to invest in cryptocurrency.

The move comes after the Securities and Exchange Commission sued two prominent cryptocurrency exchanges, Binance and Coinbase.

As a result, many people are wondering about the timing of BlackRock’s decision, particularly because Coinbase is expected to be its crypto custody partner.

A new exchange

On Tuesday, Bitcoin received another boost.

EDX Markets, a new cryptocurrency exchange, said that it has been operational for many weeks, acting as an alternate trading platform for Bitcoin and Ether.

EDX is supported by financial behemoths Charles Schwab, Citadel Securities, and Fidelity Digital Assets.

CEO Jamil Nazarali made the announcement on LinkedIn, writing:

“I am proud to announce that EDX Markets (EDX) has successfully launched our digital asset market and completed an investment round with new equity partners.”

“EDX’s official launch allows our outstanding team to bring crypto the same values and standards of competition, transparency, fairness, and safety that investors in traditional assets expect and enjoy.”

EDX is an unusual platform in that it does not have custody of its clients’ digital assets.

To acquire and sell crypto assets, they must go via financial intermediaries, similar to trading on the Nasdaq or the New York Stock Exchange.

The strategy is preferred by regulators, according to Nazarali, since it emphasizes the separation of the broker transaction function and the exchange function.

“What we’re seeing is that increasingly, investors want to trade through their trusted intermediaries, and that’s especially true post-FTX, which was supposed to be the leader in the digital market. If you can’t trust them, who can you trust?”

“So people are falling back on the firms that have been around for a really long time and that have really stood the test of time, and that’s a really important tailwind for us.”

Because of the ambiguous restrictions in the United States, EDX now only provides four cryptocurrencies:

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Bitcoin (LITE)
  • Bitcoin (BCH)

“We have a limited set of tokens because until there is more regulatory clarity, we don’t want to trade something that’s potentially a security,” Nazarali explained.

“Regulators really like that we don’t take that risk.”

Other institutions

Fidelity has been keeping up with crypto developments since 2014.

To maintain its interest in the crypto area, the corporation took the following steps a few years ago:

  • Fidelity Crypto, a commission-free retail investing app, was launched.
  • Access to cryptocurrencies was made available to 401(k) holders.

Several financial institutions are keen to demonstrate their enthusiasm for blockchain technology, particularly how it may upgrade outdated financial infrastructure.

However, only a handful are as vociferous about their opinions on cryptocurrency investing.

However, with large companies such as BlackRock and Fidelity highlighting their crypto pledges, investors were more hopeful on Tuesday.

They were especially hoping that some of the negative perceptions of the crypto industry’s hazards would dissipate, as several investors thought they had encountered a mental hurdle while purchasing Bitcoin.

In the meanwhile, Bitcoin has struggled to break out of its current trading range.

Regardless, they have yet to fall far below $25,000.

Bitcoin’s monthly gains crossed into the green zone on Tuesday, increasing by 69% in 2023.

Retirement budget now higher amid economic crisis

Retirement The amount of retirement savings required by Americans varies depending on their lifestyle, region, and personal aspirations.

However, it is generally suggested to strive for a retirement nest fund equal to 70-90% of pre-retirement income.

A typical yearly income of roughly $52,000 recommends a $1.05 million goal retirement savings.

Achieving this objective will require careful saving, investing, and maybe depending on employer-sponsored retirement plans such as 401(k)s and IRAs.

Seeking expert financial guidance and reassessing retirement objectives on a regular basis might assist individuals in tailoring their savings programs to match their needs.

However, the recent economic crisis and inflation have resulted in several financial failures.

As a consequence, for a decent retirement, Americans would need to save a whopping $1.27 million.

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The increase

According to Northwestern Mutual research, Americans will require $1.27 million for retirement.

The figures are $1.25 million greater than those identified in the 2022 study.

Between February and March, the financial services firm polled 2,740 respondents via an online survey.

According to the poll, respondents in their 50s will require more than $1.5 million when they retire.

People in their 60s and 70s, on the other hand, have reduced their expectations to less than $1 million.

According to Akao Patel, a Chicago-based certified financial planner and Northwestern Mutual asset management advisor, it’s not unexpected that retirement demands have increased while inflation remains high.

Patel pointed out that if Americans retire at 60 and live to be 100, they will have to consider expenditures for the next 40 years.

“It’s not just about your expenses, but it’s also the mentality of feeling assured that you can spend money throughout retirement,” he added.

Savings & retirement goals

Across all age groups who replied, many indicated their present retirement savings fell short of their million-dollar targets.

They said that they have an average of $89,300 saved aside, a 3% increase from 2022.

Meanwhile, those nearing retirement reported saving an average of $110,900 in their 50s.

People in their 60s and 70s saved $112,500 and $113,900, respectively.

The poll also discovered that older adults are altering and downplaying their expectations about how much they would need for retirement, as well as preparing to work longer.

According to the findings, Americans want to work until they are 65 on average, which is higher than 64 in 2022 and 62.6 in 2021.

Boomers were also shown to be the most likely to work until the age of 71, followed by Gen Xers at 65, millennials at 63, and Gen Z at 60.


While the majority of retirees are concerned about their finances, 44% are concerned about their health.

Cerulli Associates discovered that 58% of retirement savers and retirees are most anxious about outliving their money.

Many people are prone to getting lost in the figures of how much they should save.

Sun Group Wealth Partners’ managing director and founding partner, Winnie Sun, stated:

“A lot of people get so overwhelmed that the number is so big that they have to save this much by this age.”

Calculating the ‘magic number’

According to Patel, it is more vital for people to understand their income needs rather than focusing on a large retirement goal figure.

They can, for example, study their credit card and bank statements to better understand where their money is going.

“By multiplying your estimated annual budget – for example, $100,000 – by a factor of 25, you may arrive at a generic lump sum you may need to cover your retirement years which, in this example, would be $2.5 million,” said Patel.

He also proposed that people lower the amount needed to satisfy their retirement obligations by decreasing expenditures.

Meanwhile, Sun stated that in order to assist individuals achieve larger objectives, she divides them into manageable chunks of activity, such as a debit or credit card fast for at least a month to allow for better budget management.

“That will give them a sense of how much they’re spending,” she explained.

Sun also employs a savings challenge, in which they set a target for a particular amount to save over the next three months.

“If we put pressure to have them do it sooner, even when they think they’re not ready, it will help develop better patterns long term.”

Three expenses

Everyone, according to Akao Patel, has three categories of expenses:

  • Mundane costs – groceries, property taxes, utilities
  • Discretionary expenses – vacation
  • Aspirational spending – anniversary trips or children’s wedding

“As you think about retirement, in an ideal world, you would have enough guaranteed zero-risk income to cover your guaranteed expenses,” he said.

Patel also suggested that retirees look into annuities.

People may feel more comfortable taking chances in other parts of their portfolio if their monthly costs are met by guaranteed income.