In recent times there has been a push for body acceptance, and makeup has been a big part of the discussion. Some women love wearing makeup, and others don't. So while you should always be making the best decisions for yourself, there is something else going on here. How is your makeup being perceived in the workplace? Is it helping you get ahead, or is it holding you back?

In a 2016 study by Jaclyn S. Wong and Andrew M. Penner published in Research in Social Stratification and Mobility looked at how attractiveness affected income. Their findings confirmed long held beliefs that attractive people, they just make more money. In fact they found that an attractive individual can earn roughly 20% more than an average attractive person. However, makeup has to be added into that equation and the study accounted for 'grooming'. They found that beauty can be 'actively cultivated' which means, yes wearing makeup can help you be seen as more attractive and therefore your salary can reflect that.

Does this mean that men should take 'grooming' into account, yes actually. It helps the overall perception of attractiveness and competence, but men aren't judged nearly as much on that as their female counterparts are. So yes men should be grooming, but it isn't nearly as important for them as it is for women. Lucky us.

Competent, trustworthy, approachable? What Do You Think?@malvestida

In a different 2016 Dr. Viktoria Mileva and her team looked at the way makeup was perceived across gender lines with their results published in the aptly named journal, Perception. The study was done using computer software generated standardized makeup looks. Volunteers rated these looks according to attractiveness, dominance, and prestige. This is a clear example of where we can see the gender divide when it comes to opinions of makeup in the workplace.

Men and women both agreed that the makeup wearing faces were more attractive, but when it came to dominance and prestige the opinions differed. Women rated fellow women as more dominant while men rated them as more prestigious. The researchers found it likely that men don't see women as physical competitors and therefore didn't rank them as dominant. A follow up study found that the women's rankings were more based on jealousy, and they saw the made up women as more promiscuous and attractive to men than the non-makeup wearing counterparts.

Prestigious, in control, untrustworthy? What Do You Think?@malvestida

This leads to an interesting dilemma for women in the workplace. How do you do your makeup, for the men or the women in the office? Is it possible to please both? Should you shift your makeup looks depending on the situation? To look at that, there is even more you need to know about office makeup.

A study by Nancy L. Etcoff and her team, published in 2011 here, studied people's perceptions based on how much makeup a woman was wearing. Offered three looks from bare to heavy makeup the results show how tumultuous the 'Survival of the Prettiest' can be. There is no foolproof makeup look, and it has to change based on the situation. Cosmetics can wildly change people's perception of you from how smart you are, how approachable, how in control, and how competent. Your makeup can make you more attractive, but you could also be perceived as more untrustworthy.

Who would you hire? Figure 1 - Plos

So really, what does it all mean? Well really it's good and it's bad news. It really means that at the end of the day, women are judged on their appearance more than men are. It means to get ahead of a man with equal skills, you have to take your physical appearance into account. It means that makeup can help women be perceived as competent put together people, but with the double edged sword that too much makeup can give you a very different reputation. It means women can use makeup to their advantage while the world uses it as a weapon against them at the exact same time.

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Developing further skills can boost your career at any stage.

Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.

Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.

But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.

Tableau

Tableau's data visualization capabilities are comparable to Domo and Power BI.

Who is it best for: Those who work with analyzing and presenting data.

Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.

More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.

Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.

Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.

Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.

The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

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Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.

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