If you work in the same office or can easily travel to see your manager (as you may do for other meetings), requesting a face to face meeting may be simple. If your manager is easily reachable in person, a phone call or video conference will do. It is not necessary to fly or even drive over 4 hours to break the news. When requesting a meeting, say “I would like to have a short meeting with you to discuss something. When is a good time today?” You do not need to say you are leaving your job at this point. Start off by thanking your manager for taking the time to meet with you. Politely state that you have chosen to leave the company. Then, state your last date of employment. It is considered customary to give at least 2 weeks notice. However, some positions may require you to give a longer notice (3 weeks to 1 month). Positions that may require a lengthier time are generally those that cannot easily be filled, such as one-person departments or senior and executive management level positions. Stay as positive as possible and do not dwell on any negative reasons for leaving. For example, if you are leaving for a higher salary, do not say, “I am leaving because the pay is too low and I am doing more work than Joe who I know is getting paid more than me”. Instead, you can say, “I am leaving for a more profitable opportunity”. Constructive criticism is best suited during an exit interview. However, some companies may not conduct an exit interview; in that case, you can express your thoughts with your manager. To find out if there is an exit interview, ask your manager or Human Resources. Remember to stay positive while providing suggestions or constructive criticism. The idea is to help the company retain its employees. For example, if the company does not provide additional leadership training you can say, “It would be good for employees if the company allowed more leadership training“. If you are leaving on good terms, your manager may be sad, annoyed, or even jealous to see you go. It is okay to tell your manager the name of the new company and your new title. Limit any details such as key duties and projects because you may naturally get excited about the new opportunity and leave a bad last impression. Most jobs leave you with valuable knowledge and experience that can lead you to the next steps in your career. Recognizing this fact and thanking your manager is important in order to leave a good lasting impression. Your letter should state the basic details of your resignation. Present your resignation letter at the end of your meeting. This letter will be kept in your file and should include:  A statement that you are leaving. Provide your last date of employment. Ending on a good note by thanking them for the opportunity. An example of how to start your resignation letter would be: “This letter is to inform you that I am leaving my position as Sales Manager as of June 23, 2014. I thank the company for providing me the opportunity to learn and grow within my position and wish management and staff luck in the future.”

Summary: Request a face to face meeting with your manager. Conduct the meeting politely but truthfully. Do not concentrate on the negative. Provide constructive criticism. Do not gloat over your new role. Thank your manager for the opportunity to work, learn, and grow within the company. Have a signed resignation letter prepared.


Washing with warm water and soap should do the trick. Prior to using your nasal spray, it is important to have clean hands to minimize any risk of infection by getting germs into your nose, or spraying them up alongside the medication. Remove as much mucus as possible. Do not blow too hard. For best and safest results, press down on one nostril with your finger as you blow the other, and then do the same to the other nostril. After you have blown your nose or otherwise cleared your nasal passages, if you still cannot get air through then it is unlikely that the medication will be effective as it will not be able to travel far enough up the nasal passages. If you have blown your nose but still find that there is a lot of congestion, try these other home remedies to diminish the congestion in your nostrils. It is important for your nasal passages to be as clear as possible before using the medication. Some things to try include:  Taking a hot shower. Heat can help to clear out your nasal passages. Use a saline nasal spray. Using a humidifier. Contrary to popular belief, dry air actually worsens nasal congestion. Moist air, on the other hand, can help to clear out your nostrils. Drink plenty of water. Being well-hydrated can help to diminish congestion.

Summary: Wash your hands. Clear your nose prior to using your nasal spray by blowing it. Check that you can inhale air through each nostril prior to using the nasal spray. Try home remedies to clear your nostrils prior to using the nasal spray.


Many employers offer the opportunity to automatically put aside some of your income in a 401(K) plan and match your contributions.  Take advantage of this option to reduce the inconvenience of having to manually make deposits each month.  The method by which you set up automatic contributions will vary depending on your employer.  Talk to your employer’s accounting department to learn more about automatic payments at your workplace. The amount of money you decide to contribute automatically with each pay period is up to you.  The more you  put away each month, the more you’ll have to work with when you retire. In addition to employer-provided plans, put some of your income into other investment or savings accounts like an IRA.  Other retirement plans you might want to invest in include Roth IRAs, rollover IRAs, and Spousal IRAs.  Each type of account has different maximum contribution limits and different levels of taxation for withdrawals and earnings.  Since these contribution limits and taxation levels change frequently and depend on your age, consult a financial advisor for the most current information about the specific individual retirement account you’re interested in. You should be able to make automatic contributions to these individual retirement plans, too.  Talk to your employer’s accounting department for more information. Investing in stocks is a great way to make money.  Talk to a certified broker or financial adviser to get started.  Contact the stockbroker in your area who charges the lowest service fees.  Alternately, use a stock investment app to invest on your own.  Stock brokers usually require an initial investment that ranges from $1,000 to $5,000 USD (or more). You can start investing in stocks through some apps with as little as $5 USD.  Other apps will require larger initial investments.  Some of the most trustworthy stock market investment apps are Stash, Acorns, Betterment, and Wealthfront. Steadily add money to your stock portfolio to grow it over time. Robo-advisors (online services that use algorithms to manage your stocks, mutual funds, or ETF investments) tend to charge less than actively managed funds.  Even if you choose to go with an actively managed fund, choose one that charges the lowest possible investment fees. All stock investment entails some risk, but some investments are riskier than others.  For instance, if you invest in emerging foreign markets or initial public offerings (which are untested and possibly prone to volatility), you could lose your money.  On the other hand, riskier investments tend to have bigger payoffs if they succeed and their price rises.  For a safer investment approach, diversify your investments by choosing a mix of different industries (like tech, automobiles, and construction) and put most of your money in long-term mutual funds and ETFs. There’s no right or wrong way to balance your investment risk levels if you want to retire by 40.  Either a high-risk investment approach or a low-risk investment approach could work. Ethical investing means putting your money into companies whose beliefs align with yours.  For instance, if you’re a vegetarian, you might not want to invest in a fund that includes meat or fish companies. Ask your broker or financial advisor for a full list of the companies you’re invested in.  If you’ve invested through a robo-advisors, the list of companies you’re invested in should be available online.
Summary: Set up automatic contributions to your retirement savings. Don't rely just on employer plans. Invest in stocks. Avoid high investment fees. Consider your risk level. Invest ethically.