What to do when an employer says you're overqualified. Posted by https://www.market-connections.net
OVERQUALIFIEDWhen you're overqualified for the job
Imagine someone refusing to date you because you’re too kind and beautiful. Yet, when you’re job hunting, you may run into employers who tell you that you’re overqualified for the position.
How can you keep your impressive credentials and extensive experience from working against you? Follow these steps designed to help overqualified candidates land a job offer. Applying for jobs when you’re overqualified
Hiring managers may toss your resume as soon as they see your executive titles or advanced degree. Be proactive about addressing common concerns, starting with your first contact.
These strategies will help you land an interview:
Interviewing for jobs when you’re overqualified
Congratulations on getting this far in the process. Now, you can sell yourself to your potential employer, so they’ll see your capabilities as an asset rather than an obstacle.
Try these techniques:
Be prepared to dispel misperceptions and doubts when an employer says you’re overqualified. Find a company that will appreciate your potential and give you the opportunity to take on new challenges.
"Do Time Management Apps Help Your Productivity?" by https://www.market-connections.net
Time Management AppsHow To Build Time Management Skills
If you work from home, you have the freedom to choose how to use every minute of the day. But without good organization, you can find yourself wasting a lot of your precious time.
Countless apps, tools, and systems aim to help you better manage your time. Get too bogged down on these apps and you’ll waste all your time working out how to use all of their features! The best time management apps perform a specific simple duty for you in a manner better than traditional time-keeping methods can. Supercharge Your To-Do Lists
For example, you may jot your tasks down in a to-do list on a pad. Apps like Remember The Milk and Todoist work to replace that to-do list with a convenient app that syncs across all of your devices. You can get reminders by email, Twitter, Skype, or mobile app. Tasks can be broken down further into subtasks, and you can share to-do lists with your colleagues and family.
You might consider using an app like Remember The Milk if you find yourself coming up with small things all the time that you want to remember. Split Your Work into Manageable Chunks with Pomodoro Apps
What about organizing your time throughout the day so you can always concentrate on the task at hand?
Francesco Cirillo created the Pomodoro time management technique in the 1980s. You break your time into high-attention 25-minute sessions followed by breaks of 3-5 minutes. Online apps like Tomato Timer make trying out this focusing technique easy. You might find that 25 minutes isn’t the right amount of time to get a good chunk of work done each time. Depending on your line of work, consider adjusting to 90-minute sessions followed by 20-minute breaks. The important thing is to work when you’re supposed to work and rest when you’re supposed to rest. This allows you to maintain intense focus on your work for sustained periods without getting burned out. Manage Team Project Time Effectively with Project Management Tools
You probably don’t just have to worry about your own time – you need to consider the time of others working on a project together with you. Often, they’ll be waiting for you to complete a task or you’ll be waiting for them.
The more people involved in a project and the more intertwined tasks to keep track of the more difficult project management becomes. Collaborative project management apps like Trello and Asana make organizing and prioritizing tasks between team members easier. Everyone has access to the same boards through their browsers and phones, and tasks can be set dependencies so you can see what needs to be completed first and the knock-on effects of missing deadlines. Project management tools like Trello are good for high-level management of time without getting bogged down micromanaging the time spent on every task. See How You Really Spend Your Time with Time Tracking Software
Do you sometimes wonder where the day went? Time tracking software like RescueTime and Toggl can automatically logs the applications and websites that you spend your time using so at the end of the day you can check out reports that help you understand your daily habits better.
With a paid subscription, these apps can be set to alert you when you’ve achieved your daily goals or block websites that are distracting you. Similar apps are available for your smartphone, which should really be banished from your home office when you’re trying to get work done. Build Healthy Habits
It can take time to build healthy habits like periodically stretching or drinking more work. Habit training apps like HabitMinder can gently prod you to form these healthy habits and keep you accountable with reports and sessions screens. You can choose from predefined habits or create some of your own.
Use Time Management Apps to Your Advantage
There’s been surprisingly little research into whether time management apps can help productivity significantly. An important thing to remember is the time management app is great at helping you track time on a task once you’ve decided to prioritize it, but it’s still up to you to prioritize the right things in the first place.
AuthorMandy Fard is a Certified Professional Resume Writer (CPRW, CMRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
Moving on up... posted by https://www.market-connections.net
Growth MindsetMoving on up
Your career success is in direct correlation with your attitude and your mindset. With the right growth mindset, you can save more money, practice good health, secure a successful career, and achieve your other goals.
Deciding to own and adjust your attitude will set you in the right growth mindset and will enhance your career in many ways. 1. YOUR ATTITUDE DETERMINES YOUR APTITUDE
Although this may seem obvious, we often don’t think about why this occurs. Here are some ways this happens:
2. TYPES OF GOALS
Each area of life may have different objectives, each of which requires a different attitude. For example, below is a list of common goals with suggestions and ideas to use as you as you work in that direction.
A. Furthering Your Education/Training
B. Getting a Job
C. Overcoming an Obstacle
D. Helping Others
E. Managing Your Money Successfully
F. Healthy Living
3. CERTAIN ATTITUDES CAN LIMIT YOUR SUCCESS
Here are a few common approaches that may not serve you as you reach for your goals:
4. CERTAIN ATTITUDES CAN ENSURE YOUR SUCCESS
Positive attitudes lead you in the right direction. Here are some that can assist you in your career:
Being aware of how your attitudes influence your results will help you direct your own mindset toward growth, and subsequently enjoy a more succesful career and balanced life.
Learn to apply different methods to change your attitudes and you’ll enjoy a more successful career. You can truly live your dreams by choosing and handling your own attitude. About the AuthorMandy Fard is accredited as a Certified Resume Writer (CPRW, CMRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
10 Best Practices for managing remote teams posted by https://www.market-connections.net
What are the "best practices" to manage teams remotely?How to remotely manage your team
Here is an infographic to help you review the 10 best practices to manage your team from home and keep everything in perspective. Much like enything else, there is a right way and a wrong way to do everything.
About the authorMandy Fard is a Certified Professional Resume Writer (CPRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
How to stay motivated when working from home - Posted by https://www.market-connections.net
8 Tips To Stay Motivated While Working From HomeSelf motivation strategies for working from home
When you work in an office, your day might already be planned out with your coworkers giving you social interaction and your boss giving you accountability.
However, working from home is much different. How can you get work done without any of this help that you would normally receive from coworkers? Try these techniques to stay motivated and be productive:
Working from home isn’t for everyone, but if you love the freedom of making your own schedule, then you may love it. Follow these tips and you’ll be able to stay motivated, maintain discipline, and get all of your work done while working from home. About the authorMandy Fard is a Certified Professional Resume Writer (CPRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
Surviving Sudden Unemployment posted by https://www.market-connections.net
Solutions for the suddenly unemployedSurviving Sudden Unemployment
Through no fault of your own, you find yourself suddenly out of a job. Now what?
The first question to answer is: Is this unemployment temporary — or permanent? If you’re out of work due to the Coronavirus pandemic, your employer may have furloughed you temporarily. If that’s the case, your efforts will be focused on getting through this temporary period of unemployment. If, however, your employer has permanently closed, or if you’re looking to change jobs or change careers, you’ll have different actions to focus on. Your first step: Secure your finances
Regardless of whether the unemployment is temporary or permanent, your first step is to assess your financial situation. This includes both your personal finances as well as identifying any benefits due to you, either from your company or government sources.
Personal Finances
One of the biggest mistakes many people make after losing their job is not making immediate adjustments in their finances. With the uncertainty of the full impact of the Coronavirus pandemic, you could be out of work for four weeks, or four months. No one knows right now.
However, if you were already living paycheck-to-paycheck, there will likely be some impact on your finances. So the first thing you should do is adjust your lifestyle to fit your new financial reality … at least temporarily. Conserve as much cash as you can. Make a list of your current expenses (review your checkbook register, credit card statements, and/or online banking profile) and see what you can cut out. Determine which of your current monthly expenses must be maintained (mortgage and car payments, utilities, groceries) and which ones you can do without for now. The sooner you make these adjustments, the better off you will be. Once you know what you’ll have to live on (unemployment benefits and savings, for example), you can determine if you need to find other sources of income — for example, a part-time job. (This income may have an impact on your unemployment benefits, but you may need the money to carry you though until your unemployment compensation comes in, which could be 2-4 weeks or longer.) If your unemployment stretches on for a while, you may need to cut back to only making minimum payments on your bills. While now is not the time to be holding a garage sale, you may find some things that you can sell for cash on Facebook Marketplace, buy/sell/trade groups, or Craigslist. (Be sure to minimize contact with buyers — for example, taking payment by PayPal, Facebook payments, or Venmo and doing porch pickup.) Try to avoid tapping into your retirement accounts or selling stocks or mutual funds while the stock market is down. If you have a cash-value life insurance policy, you might consider tapping it for emergency cash, but remember you will have to pay interest on any loans you take out, and you’ll want to pay the loan back when you are able to. If you will have trouble making your mortgage payment or paying other bills (credit cards, auto loans, student loans), contact your lender. Many of them have forbearance programs which allow you to make reduced payments or skip payments (adding the missed payments to the end of the loan period). You may also be eligible for special programs for the unemployed. For example, the “Home Affordable Unemployment Program” may reduce your mortgage payments or suspend them altogether for a period of time. Your credit card company may reduce your interest rate or lower your required minimum payment due to a job loss. (If you have involuntary unemployment credit card insurance, your credit card company may cover the minimum payment if you are laid off for a specific period of time. However, charges incurred after the layoff are excluded.) Don’t wait to explore your eligibility for these programs. Company Resources
When you were furloughed, your company may have provided information about the benefits you have access to. If your company is continuing to pay part or all of your salary while you’re at home, that should be specified in the information you were given. Likewise, if you are not being paid, you may be able to access accrued vacation or sick pay. If you have company-provided healthcare, find out if your company will continue to pay your premiums while you are unemployed. (Otherwise, you will need to secure temporary health care coverage.)
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) eased restrictions for accessing retirement account funds. The new law allows workers who are financially impacted by the Coronavirus pandemic to cash out up to $100,000 of their 401(k) or IRA accounts. (Affected individuals are people who are diagnosed with COVID-19, their spouse or dependent. In addition, undiagnosed individuals can take a Coronavirus Related Distribution (CRD) if they suffered adverse financial consequences due to being quarantined, furloughed, laid off, having their hours reduced, or who were unable to work due to child care responsibilities due to the Coronavirus pandemic.) The law waives the 10 percent early withdrawal penalties (if money is taken out before age 59-1/2) and gives qualifying individuals three years to replace what they took out or to pay the ordinary income taxes due on the distribution. However, cashing money out of your retirement account is not recommended unless it’s a last resort, as you will be sacrificing long-term growth of this money. If you are furloughed from your job, you may not have to immediately repay any outstanding 401(k) loans like you would if you lost your job. (If you leave your job under normal circumstances — whether by choice or if your position ends up being terminated, if you are under 55, unless you repay the loan in full by tax day the following year, that loan becomes a distribution and you will pay a 10 percent early withdrawal penalty plus your ordinary income tax rate on that money.) Note: If you had a previous loan against your 401(k), the CARES Act legislation does not apply to that loan. Government Benefits
If you were furloughed from your job, look into filing for unemployment benefits immediately.
The unemployment insurance system (UI) is a partnership of the federal government and state programs. Created in 1935, contributions are paid into the system on behalf of workers so they have an income if they lose their jobs. The basic UI program is managed by the states, although the U.S. Department of Labor oversees the system. States provide most of the funding and administer the benefit payments. Although states must follow federal requirements, they generally establish their own eligibility criteria and benefit levels. Check and see if your state offers an unemployment benefits calculator. (A simple Google search can identify if one is available.) There are two types of unemployment calculators — one that tells you how much money you are entitled to collect, and another which tells you how many weeks you are eligible to collect unemployment. You must meet eligibility requirements, but you can determine these from your state’s unemployment office. You may even be eligible for benefits (even partial benefits) if you work part-time. You may also be eligible to collect unemployment benefits while you are collecting other benefits from your current position. Getting paid for unused vacation time you accrued normally does not affect your eligibility. However, you will not be eligible for benefits if you continue to receive your full salary and benefits your employer paid while you were employed. Regular unemployment insurance benefits — in most states — run for 26 weeks (plus one unpaid “waiting week”). For people who have not yet found a job within that time frame, Emergency Unemployment Compensation (EUC) and Extended Benefits (EB) offer additional compensation. Each of these programs has a different deadline. Consequently, the number of weeks you are eligible for will depend on when you filed your original claim. Your unemployment payment depends on your weekly earnings prior to being laid off, and the maximum amount of unemployment benefits available (this will vary by state). Unemployment benefits typically replace about half of your previous earnings, subject to a maximum benefit level. According to the Center on Budget and Policy Priorities, the average unemployment benefits nationwide was $387 per week in February 2020. The maximum state-provided weekly benefit ranges from $215 in Mississippi to $550 in Massachusetts. (Some states offer higher benefits to jobseekers with dependents. Check your state benefit details to see if this is the case in your state.) Because the benefit is subject to a cap, unemployment insurance benefits replace a smaller share of previous earnings for higher-wage workers than for lower-wage workers. The permanent Extended Benefits (EB) program typically provides an additional 13 or 20 weeks of compensation to the unemployed who have exhausted their regular benefits in states where the unemployment situation has worsened dramatically. You may also qualify for unemployment benefits from the impact of the COVID-19 pandemic if:
You may not be eligible if you quit your job because you are worried about contracting Coronavirus at work. Check with your state’s unemployment office before quitting your job. Each state’s guidelines vary. For example, in the state of Nebraska, you may still be eligible to collect unemployment benefits if you quit your job but have “good cause” for quitting — for reasons including (but not limited to), the conditions of work, compelling health reasons, or quitting to escape spousal abuse. Note: If you stayed home from your job because you were worried about contracting Coronavirus, you may not be eligible for unemployment compensation. The CARES Act excludes individuals who have the ability to work from home with pay from collecting unemployment. It also excludes those who are currently receiving paid or sick leave. The CARES Act also provides supplemental unemployment compensation. The law provides emergency funding to states to provide an additional $600 a week in payments — on top of regular weekly payments, as long as the individual is eligible to receive at least $1 of underlying benefits for the claimed week — from the time a worker lost his or her job until July 31 as part of the Federal Pandemic Unemployment Compensation (FPUC) benefits. It also funds an additional 13 weeks of unemployment benefits for states, which typically cap unemployment benefits at anywhere between 12 and 30 weeks. File your claim for benefits as soon as you are able to. Note that you will have to request benefits every week you want a payment, even if your application is still pending initial approval. File your claim weekly during your furlough. Many states have a one-week “waiting period” before claims are eligible. (Georgia, Iowa, Maryland, Michigan, Nevada, New Jersey, Vermont, and Wyoming don’t have a “waiting week.”) At least 35 other states have waived the waiting period for Coronavirus-related unemployment claims, allowing eligibility for benefits immediately. In addition, at least 27 states have waived the requirement that workers actively search for work in order to be eligible for unemployment compensation. Although many claims are paid within a few business days, it may take 2-3 weeks for your first unemployment check to arrive (and these days, most claims are paid electronically through direct deposit to your account or to a reloadable prepaid debit card, instead of a physical check). Under normal circumstances, unemployment insurance program provides benefits to people who: • have enough employment to establish a claim • have lost employment through no fault of their own • Are ready, willing, and able to work • Are actively seeking work However, as mentioned previously, the requirements to actively seek work have been waived in many states. For the “actively seeking work” requirement, if you are unable to work due to the Coronavirus pandemic, as long as you stay in contact with your employer, and are available to return to work when asked, you satisfy the “work search, availability, and capability” requirements. If your current unemployment is not due to the Coronavirus pandemic, you still need to conduct a weekly work search; however, you do not need to accept work offered to you if you are under quarantine or if you have been instructed to stay at home (or are under a statewide stay-at-home order). One thing you may not have realized is that unemployment benefits count as taxable income on your federal tax return. Unemployment compensation may or may not be taxable in your state. Check with the Department of Labor in your state for information. Most state unemployment applications allow you to choose to have state and/or federal income tax withheld from your payments. Make sure you set aside part of the money for taxes if taxes are not withheld from your payment. You may be required to make quarterly estimated tax payments if you do not have taxes withheld from your unemployment benefit payments. Check with your tax advisor for advice. Other Assistance
Your new financial situation may make you eligible for other kinds of assistance. For example, the Supplemental Nutrition Assistance Program (SNAP), or “food stamps” are issued by the state based on financial need. Each state has a different application form and process, so contact your state agency directly to apply. During the current public health emergency, some of the existing regulations are being relaxed or suspended, which will make additional people eligible for this benefit.
Health Care Coverage
If your company is not paying your health care premiums while you are unemployed, if your company has more than 20 employees, you can continue your existing health care coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA) law. However, you will need to pay this premium yourself. The cost of the COBRA premium may be higher than short-term insurance you can obtain for yourself.
If you have a health condition, you will want to ensure continuous coverage, so don’t let your group plan lapse before you get short-term insurance coverage in place. You may also want to check with your employer’s human resources department to be sure you will be able to get back on the group plan when work resumes. If COBRA premiums are too costly, you can also look into short-term health insurance coverage. One source of options is ehealthinsurance.com. You may also be able to take advantage of private coverage thorough enrollment on an Affordable Care Act (ACA) health care exchange. If you had insurance through your employer that is no longer available, you may be eligible to enroll on the individual exchanges as part of a Special Enrollment Period. Check your eligibility and options available on Healthcare.gov or your state’s health insurance marketplace. Depending on your income, you may also qualify for free or low-cost coverage under Medicaid. (The Healthcare.gov site provides information about this option as well.) Step 2: Is it time for a change?
If It’s Time for a Change
You may also take this opportunity to change directions with your career. Because the provisions under the CARES Act do not require those receiving unemployment benefits to be actively seeking work, you could use this time to start a new business. In 2012, the Middle Class Tax Relief and Job Act authorized $35 million in funds to encourage states to enhance and promote Self-Employment Assistance (SEA) programs. SEA entitles unemployed individuals to claim jobless benefits while simultaneously gaining access to small business development assistance. An individual with a “viable” business plan can continue to receive unemployment benefits as long as they are working full-time to get a new company off the ground. Under this program, individuals receive financial aid equal to their unemployment insurance benefits for a maximum of 26 weeks while they receive entrepreneurial training and other resources (including counseling and technical assistance) to help them launch a business. However, note that you are not eligible to receive extended unemployment benefits if you participate in the SEA program — you are limited to 26 weeks of payments, and you may not be eligible to receive the additional $600/week in federal assistance. Check with your state’s Department of Labor to see if they offer a SEA program. (As of March 2020, the states of Delaware, Mississippi, New Hampshire, New York and Oregon have active Self-Employment Assistance programs.) Take advantage of the programs available to you. Many of these are paid for through state and federal funds. This isn’t charity. These are programs paid by tax dollars, and the goal is to get you back working again. Step 3: What To Do Now
Without a job to go to every day, your days may seem endless. (Unless you have children at home that you’re suddenly in charge of teaching.) Work on projects that you’ve put off because you’ve been busy with work. Learn how to use your hobby to your advantage, discover your passion, revive your personal network, and most importantly, don't waste your time.
Think about where you want your career to be one year from now, and five years from now. Take the opportunity to move yourself closer to these goals. Use your successes and failurs to your advantage. Focus on personal development. Are there skills you can work on developing? There are opportunities to take online classes for free. For example, the eight Ivy League universities are offering hundreds of online courses to the public at no charge. Many other course platforms are making courses available online for free or low cost. Check out: • ClassCentral.com • Coursera • edX • Rosetta Stone • Alison With many of the free courses, you can also secure a certification for an additional fee, which you can add to your résumé. Speaking of résumés, now is also an excellent time to work with your résumé writer to update your résumé, LinkedIn profile, and other career search documents. When you’re back to work and the economy is humming along again, you may find yourself wanting to look for a better job. Now might be the right opportunity to take the time to gather your accomplishments. Seek support from others during this time. In-person gatherings are highly discouraged, but you can use technology like FaceTime, Skype, and Zoom to meet up virtually with friends, family, and even co-workers. Be sure to take care of yourself during this time. Eat right. Try to get at least some exercise each day. Get plenty of sleep. Take advantage of the programs and services available to you, and be prepared for what’s next. About the authorMandy Fard is a Certified Professional Resume Writer (CPRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
Mistakes to avoid when managing remote teams
10 Mistakes to avoid when managing remote teamsHow to manage your team remotely
Here is an infographic to help you review the mistakes to avoid when managing your team from home and keep everything in perspective. Much like enything else, there is a right way and a wrong way to do everything.
Recommended posts:
About the authorMandy Fard is a Certified Professional Resume Writer (CPRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
Tools for working and managing remotely - posted by https://www.market-connections.net
Tools to work remotelyProject ManagementCommunication and Screen SharingRemote AccessFile Management and SharingTime Tracking and Productivity MonitoringDesign CollaborationSharing Notes and IdeasMind Mapping and Visual BrainstormingCalendar SharingDistraction Blockers
StayFocusd
SelfControl (Mac) Serene (Mac) Cold Turkey Productivity Owl Scrivener (minimalist writing tool) Security and Password HygieneFeedback and RecognitionTime Zone CoordinationAbout the authorMandy Fard is a Certified Professional Resume Writer (CPRW) and Recruiter with decades of experience in assisting job seekers, working directly with employers in multiple industries, and writing proven-effective resumes. 
LinkedIn Scorecard - How to evaluate your LinkedIn profile and get a score
LinkedIn ScorecardHow to evaluate and score your LinkedIn profile
The LinkedIn Scorecard is a comprehensive self-assessment that allows you to evaluate the effectiveness of your LinkedIn profile according to LinkedIn’s best practices in the areas of Profile Completeness, LinkedIn Profile Photo, LinkedIn Headline, LinkedIn Profile Basics, Your Personal Brand on LinkedIn, LinkedIn Summary, Common LinkedIn Profile Mistakes, and Engaging on LinkedIn.
An effective LinkedIn profile is an asset in a passive job search, allowing you to be found online by recruiters and hiring managers looking for candidates like you. It is also essential in an active job search, allowing you to connect with companies that are hiring, apply for positions online, and use your network more effectively. Give yourself the appropriate number of points for each line. Then total your score. LINKEDIN PROFILE COMPLETENESS
Not listed on your profile = 0
On profile = 4
Not listed on your profile = 0
On profile = 4
No current position on profile = 0
Simple listing (job title/company) = 2 Complete listing with description = 4
No past position = 0
1 past position with simple listing = 1 2 past positions with simple listings = 2 1 past positions with complete listing = 3 2 past positions with complete listings = 4
No current education on profile = 0
Complete listing (institution and degree) = 4
Not on profile = 0
Minimum of three listed = 4
Not on profile = 0
Have a profile photo = 4
Fewer than 50 connections = 0
50 or more connections = 4
LINKEDIN PROFILE PHOTO
LinkedIn profiles with photos get 21 times more views and 36 times more messages. Is your LinkedIn profile photo giving the right impression?
Older than 2 years = 0 points
Within the last 24 months = 1 point Within the last 18 months = 2 points Within the last year = 3 points
Yes = 2 points
No = 0 points
Yes = 0 points
No = 2 points
Yes = 0 points
No = 2 points
LINKEDIN HEADLINE
Your LinkedIn Headline is one of the first things someone sees when they search for you.
Only name and/or credentials = 0 points
More than your name and/or credentials = 2 points
Yes = 2 points
No = 0 points
Yes = 2 points
No = 0 points
Yes = 2 points
No = 0 points
LINKEDIN PROFILE BASICS
No volunteer work = 0 point
At least one volunteer position = 1 point Multiple volunteer position listed = 2 points
No Projects listed = 0 point
At least one Project listed = 1 point Multiple Projects listed = 2 points
No Organizations listed = 0 point
At least one Organization listed = 1 point Multiple Organizations listed = 2 points
You have fewer than 5 Skills listed = 0 point
You have 5-24 Skills listed = 1 point You have at least 25 Skills listed = 2 points
No personalized URL = 0 points
Personalized URL = 3 points
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mandy@market-connections.net
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