Are you in need of a powerful resume but overwhelmed with the thought of creating one on your own? Well, with a wide array of resume templates now online, you can simply choose the template that fits your needs, download it, add in your qualifications and education, and print - it is that easy. Today, the number of free online resume templates is astounding. Whether needing a functional, chronological, or combination resume, you will have a number of choices.

One of the most important aspects of choosing a resume template is again, making sure you pick the right one. Remember, no matter the type of job you are seeking, working at a local retail store or something in upper management, you want your resume to shine. This means choosing one with an appropriate layout and design, as well as providing solid content. Below, we have outlined the three primary resume types you would consider:

–Functional - This particular type of template is designed to highlight accomplishments, skills, and credentials covering a number of past positions, rather than length of employment or company location. This design groups your qualifications together, showing the prospective employer your strengths in a specific area. For example, if you worked several jobs in the engineering field, your experience is emphasized although you held positions for a variety of companies.

–Chronological - In this case, the resume template would list your past employment in a chronological manner, starting with the most recent. The main purpose of this format is to show an employer your length of employment, along with continued growth/advancement. As an example, you might have worked for a number of different industries but you would have the opportunity to show how you started out as a sales clerk and worked your way to district manager. With a chronological resume template, you want the focus to be on growth but also time and achievements.

–Combination - The combination template is a combination of both functional and chronological. The emphasis in this case is on achievements and skills relevant to the position, which covers history for employment and education. Keep in mind that with a combination resume, the chronological order begins with the earliest position moving to the most recent.

In addition to the actual structure, award winning resume templates come in a variety of colors and designs. For example, if you were seeking a position in the graphics art field, you could choose something with color, borders, and other styles. For an executive type resume, you might look for a template that features text boxes, more formal fonts, and so on.

The key in choosing the right resume template is scouring through your many options to find the one that will make a lasting impression on the potential employer. Regardless if you are preparing a resume for the first time or rewriting an existing one, a resume template can be a huge help.

In addition to finding templates that can be downloaded and worked from your computer, a number of websites offer online templates. In this case, you would simply fill in information to the existing fields and when finished, you have the option to review the resume and make any appropriate changes. Once satisfied, the resume can be printed or sent electronically to the prospective employer. The bottom line is that with resume templates, all guesswork is taken out of the process. This means you can create a compelling resume quickly and easily, while improving your chances of securing an interview and job.

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First a web directory is web site that specializes in finding, categorizing and listing links to other resources on the World Wide Web. Owners of web sites can submit their sites for review and possible inclusion. Those sites are then reviewed for relevancy and site content to determine if the site would have value to the other internet surfers.

By using a Web Directory your site can gain backlinks which are like doorways to your website for traffic to flow. They are also considered votes of quality for search engine rankings which brings additional targeted traffic through search related actions. Web Directory links create unique and topically relevant backlinks to your site.

The thing to note is that all links are not created equal. The fundamental difference in directories is free vs paid. The differences between the two are like night and day or BMW and skateboard.

Free Directory

What you get with free directories are an extremely crowded directory where your link will get lost in a crowd of low quality links, less traffic from the directory due to less visibility, much longer time between submission and acceptance, very time consuming as you typically need to submit to hundreds of these to get the value of one link from a quality paid directory and your listing will typically get placed with listings for low quality spam filled sites.

Let’s just face facts, most people start a business to generate revenue and a directory is a business. With directories that allow for free submissions the owners look to generate revenue from the site in other ways and those other ways will decrease the quality of the directory.

One way they generate revenue on free directories is by installing adsense on it. Those adsense advertisements compete with the listings on the directory for the visitor traffic and decrease the value of a link in the directory.

The other common way to generate revenue for a free directory is to sell advertising space on it. The idea being to use the lure of a low quality free link on the directory to draw traffic in to see the paid advertisements like site wide sponsored links, site featured links, site wide footer links, site wide partner links and they can call them other things also. Such as our network, friends and the list goes on.

The fact is that search engines devalue web sites that sell placement of site wide links on them and that severely limits the value of a listing on those directories.

Pay for Review Directory

Some of the things which a pay for review directory will bring you and that you should look for are a directory that is maintained by professionals, rich in content with articles and quality resources/listings, unique design with additional features such as deep linking options, quick review times usually 24 to 48 hours and a directory that is focused on providing a destination resource for visitors which generates traffic.

The focus to be a destination resource is easily spotted by features and content. Does the directory provide something in addition to a place to submit links? Is there a blog with content in it? Are there articles posted within the directory category structure? Are there other features that are just there for visitor’s enjoyment such as an art gallery?

In addition there should not be any site wide links for sponsors, there should not be distracting/traffic bleeding adsense. A link from a quality paid directory has more value than free links. They are seen as a higher quality endorsement of the sites listed there. It is our hope that this will help you identify a directory that is worth submitting to from one that is not.

The Authority Web Directory is a vital resource in every online-marketing campaign. Begin your link building effort there, and check for additional resources amongst our listings in the Authority Directory of Directories section.

Medical specialists can be a godsend, especially in particular medical emergencies. Imagine knowing that a specialist could provide exceptional care for your particular medical condition. Now imagine that your insurance carrier does not allow you to see any specialists outside of their approved list. Would you be upset? I certainly would be. This very same situation happens to people everyday who tried to cut corners on their insurance premiums in order to save a measly 10-15%. When they finally need to file for a major health condition, they are stuck visiting doctors who must be on the carriers “approved” list.

If your current health insurance provider severely limits your decision-making ability when it comes to seeing a specialist or even family doctors you might prefer over others, you should purchase an additional Major Medical policy that allows you the freedom to go wherever you wish. If you ever encounter the above described scenario and you are not happy with the “approved” doctors you are referred to, simply go see the doctor of your choice since you are covered under the additional policy. To offset the cost of purchasing an additional policy for this unique situation, you can choose a much higher deductible on the second policy.

Do you travel a lot? Do you live in different states or perhaps different countries at different times of the year? If so, you should make sure your insurance policy covers you wherever you are. If your policy does not cover you for worldwide, non-emergency medical attention, you can purchase an additional policy that will. If it is expensive, choose a higher deductible. And should you decide to purchase an additional policy for travel or international living, purchase your policy limits accordingly to the amount of time you intend to stay at each location.

The last thing to consider when choosing a health insurance policy is whether or not the insurance provider has paperless claim submission. Although a minor detail, paperless claims can provide you with significant convenience after you experience extensive medical attention. Consider it the icing on the cake for a good insurance policy. After all, who wants to spend hours and hours filling out paperwork to file a claim? If you’ve just experienced major medical attention such as a surgical procedure, filing out paperwork is the last thing you want to worry about.

If you are married and you provide health insurance for the both of you through your employer, there’s no need to purchase additional health insurance for your spouse unless its coverage falls outside of your current policy limits. “Double coverage” is a waste of money since you cannot collect twice on the same claim. This recommendation does not apply to a Major Medical policy if purchased to extend coverage or allow for greater flexibility as mentioned elsewhere in this article.

Choosing insurance coverage for your children should be based on the criteria mentioned earlier in this article and not by cost of coverage. When it comes to your children, don’t cut corners on health insurance unless you simply cannot afford it. If both parents can provide it through their respective employer, choose the insurance policy that allows for the most flexibility on the areas listed above, and then use cost as a final determining factor if you need to.

Health insurance typically comes in two forms: individual or family, and family could be a single parent with one child or a married couple with ten children. The insurance companies do not further define the definition of family other than a minimum of two individuals. As a single parent or a small family, this means you are paying premiums equal to a large family. The simple solution for a single parent is to take the policy provided by their employer but for a single individual. Since your employer is paying part of the cost, this should be on the “less expensive” side of health insurance coverage. When it comes to your children’s health insurance, purchase an individual policy for each child. Again, don’t cut corners when it comes to your children’s health insurance. Choose a policy that affords the greatest flexibility in the areas mentioned throughout this article while still being affordable cost-wise.

For health insurance quotes, please visit: health insurance quote online instant, affordable health insurance quote for individual and family, and health individual insurance online quote.

Not many people are able to say they will have graduated from high school and published two books by the age of 16. But Diya Das can.

Das of Wilkes-Barre is a senior at Wyoming Seminary College Preparatory School in Kingston. And she’s already published “The Evolution of Identity” and “In Mind: A Collection of Poetry.”

Das, the daughter of doctors Ratan and Nandita Das, was born in New Delhi, India, and immigrated to Canada at the age of 1 after her father was accepted into the University of Saskatchewan. Das’ father took a career path to Florida and then Pennsylvania. After she finished seventh grade, Diya Das moved with her parents to the Wyoming Valley. The young woman was able to enroll in Wyoming Seminary in the ninth grade.

Das’ first book, “The Evolution of an Identity,” is based on a project she completed for her Seminar in American Studies class, which she took as a junior. With only a few minor revisions, the book is the exact project she handed in for the class. It took Das from December of 2006 to April of 2007 to write. “It was really hard to start writing,” she said. Das had about six drafts and kept re-organizing. She also included three separate sections so she would not feel overwhelmed while writing.

Das ended up rewriting her sections many times.

“I’m not quite sure how I did it yet at the end,” Das said.

The book is a work of historical fiction that presents the stories of three immigrants from India who make lives for themselves in the United States while trying to maintain their Indian background. Characters in the story look at Indian immigration in the United States from the early 20th century to the present day.

Das focused on three periods of Indian movement to the United States: the Sikhs, the first sizeable group of Indians who immigrated to the United States in San Francisco; the second largest movement of Indian immigration to Chicago during the Cold War; and present day where Das explores how she fits into the Indian community. Das says “Born Confused,” a book about an Indian-American teenage girl who feels not Indian enough for the Indians and not American enough for the Americans, helped her write her own book and figure out how she would present her information.

“I was trying to figure out who I was,” Das said. “I’ve kind of figured out I’m not Indian, not American, but Indian-American.” She later added, “I’d like people to realize there is no one definition of Indian-American. There’s so many ways to be American and Indian.”

“In Mind: A Collection of Poetry” is Das’ second book, which contains poems she wrote over the last six years. Das has been writing poetry since elementary school and her parents encouraged her to publish them. She refers to “In Mind” as her “poem journal” because many of the poems are reactions to her day. Das says she calls the book “In Mind” because the poems seem to be a conversation in her mind. “I’ve thought of poems while brushing my teeth and go write them down,” Das said. Often Das thinks of poems and never writes them down.

It does not bother Das that she is younger than most of the other students who are seniors. Das says she has friends of all ages and mingles with people in every grade.

Das’ favorite subject is math and her current favorite class is British Literature. Das is also taking a biology class at Wilkes University. (She originally wanted to take Advanced Placement Biology at Wyoming Seminary, but her schedule would not allow it. So, Das signed up for a regular college biology class and laboratory at Wilkes.)

Through “In Mind,” Das says she can see how her writing style has changed and progressed over the years. She used to focus primarily on rhyming but now just writes. Das finds some of her older poetry to be humorous. “In Mind” is broken down into sections such as “Daydreams & Nightmares.”

Recently, Das had two book signings in the area. On Oct. 6 she was at Borders Bookstore near the Viewmont Mall, and on Oct. 13 Das was at Barnes and Noble Bookstore on South Main Street in Wilkes-Barre. Published by Tribute Books, both books are available for $9.95 at these bookstores, amazon.com, and tribute-books.com. An Ebook version is also available at tribute-books.com for $4.95.

An active student at Wyoming Seminary, Das is the co-editor in chief of the student newspaper; The Opinator. Das is a member of the Community Service Group and its Executive Committee and organizes the Angel Tree project each year. Additionally, Das performs with the orchestra and chorale, is student leader of the Math Club and participates in local math competitions, and has been nominated for the 2007 Alumni Service Awards. In the summer, Das attended the Pennsylvania Governor’s School for the Sciences.

In the community, Das has served on the United Way Youth Allocations Committee; the Luzerne County Diversity Task Force, and immigration subcommittee “Community Spirit”; and is a member of the Lehigh Valley Bengali Association and the Indo-American Association of Northeast Pennsylvania.

In her free time, Das likes to figure skate, play the violin and the piano, write poetry and read. Das has also traveled back to India with her parents to visit family. She went once in the second grade and again the summer after her freshman year of high school. Her parents have gone several other times. Das, who is an only child, has seen aunts, uncles, and her numerous cousins while there. In India, Das says great value is placed on extended family.

Das can understand Bengali, one of the 37 dialects in India. Though sometimes accents create a problem for her, it helps both of her parents speak Bengali fluently.

With the end of her high school years quickly approaching, Das is looking into applying to Yale and Stanford universities. Das plans to study math and physics but says she will also take many humanities classes because she likes to read and write. Her favorite categories to read are science fiction and fantasy books.

Das is proud of her books, but she does not want to let them consume her. “After having these published, I’m still a senior in high school,” Das said. Das says she has always been more of a reader than a writer, but she may write another book someday. Either way, she says now writing a three- to five-page paper for English class is not so bad.

“After having these published, I’m still a senior in high school.”

The Evolution of an Identity
ISBN: 9780979504563
92 pp.
$9.95

In Mind
ISBN: 9780979504556
104 pp.
$9.95

rbria@timesleader.com