how to prepare your finances for a job leave

How to Prepare Your Finances for a Job Leave.

Working people depend on having an income to live. You need to pay for housing, food, health care and many other things. Nevertheless, there may come a time when you want to be able to leave your job. The most common reasons are either retirement or a temporary leave to change jobs or careers. Whatever your reason for wanting to leave work, you will need to make financial plans. You will need to set aside some savings and make changes to your spending. Your mortgage and insurance costs will be an important part of the picture as well. With adequate planning, you can make it happen.



Method 1 Setting a Target.

1. Choose a date. Some people may decide at the start of their career that they want to work to age 50, or 55, or some other number. If you would like to make this a goal, you need to set your target and then work toward it. Claiming to have a goal means nothing unless you take steps to get there, but your first step is to decide what you want.

2. Identify an event. Your target to leave your present job may be some event, such as reaching a particular level of expertise or the day your supervisor leaves. Some of these targeting events may be under your control, and some may not. The less certain the event, the more prepared you will need to be.

For example, you may have decided that you want to leave your present company if they ever sell out or merge with some other company. Since you cannot control something like this and may not know when it is coming, you should try to have some alternative source of employment at least in mind for when the time comes.

In the event of a maternity leave, you may not know for years exactly when it is coming, but then in the final nine months (or so) you will know almost exactly. You can plan in general to have some savings set aside, and then when you get pregnant you can begin making some specific last-minute preparations.

Sometimes, the "event" that triggers a temporary leave might be a long-term illness, either yours or someone you need to care for. This can come with almost no advance warning. You need to plan for the general contingency and make some emergency preparations.

3. Plan a savings target. This is probably the most controllable concept. You can sit down with a financial planner and decide how much money you would need to have in savings to allow yourself and your family to survive adequately without your income. Then work toward setting aside that amount of money. As time goes by and interest rates fluctuate, you may need to adjust your plans accordingly. However, setting the target and doing the work up front will help you be as prepared as you can be.

If your target is to retire early, financial experts recommend that your savings target should be about 25 times your annual salary. You will then be able to withdraw money at the rate of about 4% per year.

If you target is to be able to leave work temporarily to look for a new job or another reason, then your target will be whatever amount you need to meet your expenses for that time. For example, the average job search is approximately four to six months, so you should plan to have savings to cover your living costs for that long.



Method 2 Reaching Your Target.

1. Work with a financial adviser. If you want to plan for leaving your job, you should enlist the help of a qualified financial adviser. Someone with expertise in investing can help you decide how much you need to save and can help you find the best ways to invest. If you want some help with finding a qualified financial adviser, read Hire a Financial Advisor or Select a Financial Advisor.

2. Invest your savings carefully. Working with your financial adviser, you will want to do more than just place your earnings in a bank account. Simple savings accounts earn very low interest. You will do better to invest in bonds, stocks or other securities, in accordance with your adviser’s opinions.

Investing works best when you begin as early as possible. Your best ally when saving is time. Your interest compounds more effectively when you begin early.

If your focus is to be able to take a temporary leave at some time, then you may need to have your savings in a readily accessible account. Long-term IRA savings are good for retirement planning, but you may need to be able to withdraw money sooner. Work with your adviser to find the best investment or savings plans for your needs.

If you want to plan for a lengthy, temporary leave, such as for a maternity or family illness, you will want to have savings in some readily accessible account. A short-term bond or money market may be the best bet, or even a simple savings account that you earmark for such an emergency.

3. Cut your expenses as much as possible. Many people live their lives from month to month and use a great deal of their income. If you manage a budget this way, you will do fine from month to month, but you will greatly delay your savings plan. If your goal is to be able to leave work, you should begin by cutting expenses as much as possible.

To begin cutting expenses, start by listing them all. Then review how you spend your money over a one- to three-month period and identify the expenses that you believe you can live without. Perhaps you can reduce the number of times that you go out to dinner. Maybe you can cut some entertainment expenses.

Manage your utilities. Try to reduce some of your monthly expenses by reducing utility usage in your home. Manage the heat, turn off lights, and do what you can to save water. These sound like small steps, but over time they can all add up.

Cutting expenses is a powerful financial tool for any job leave, whether permanent/retirement or a temporary leave for illness, maternity or some other reason. You need to consider the absence from work as an overall change in your lifestyle.

4. Plan to spend some on your new job search. Part of setting your target, if you are anticipating leaving your current job, should be to have some savings available to spend on a search for a new one. You will need money for correspondence, printing resumes, travel, parking, and possibly one or two new interview suits. You should anticipate these costs, estimate the amount of money that you will need, and set this aside as part of your target savings.



Method 3 Handling Your Mortgage.

1. Recognize the importance of your mortgage. For most people, housing payments make up the largest expenses they have. If you are paying rent, rather than owning your residence, those monthly payments are effectively doing nothing for you. If possible, purchase a property and get a mortgage. In this way, your monthly payments will be building equity for you. At the end of your mortgage, you will own the property outright in your own name.

2. Aim for your target date. As much as possible, try to align your mortgage to your target retirement date. That is, if you are relatively young and just starting out, then you may want to get a 30 year mortgage to last the duration of your career. However, if you can afford the monthly payments of a shorter mortgage, you will be setting aside money toward your equity at a faster rate.

3. Refinance when possible. When mortgage interest rates go down, you should try to refinance. By refinancing, you will get a lower interest rate and reduce your monthly payments. You may also take that opportunity to refinance into a shorter term. For example, if you started out with a 30 year mortgage, you may be able to refinance to a 20-year or even 10-year mortgage, for roughly the same (or even lower) monthly payment amount. More of the money, that way, will be going to pay down the principal loan.

4. Downsize after retiring. When you do leave your job, whether for permanent retirement or as a temporary leave, you may want to consider changing your residence. Many retirees choose to move to a smaller house with a lower expenses and mortgage costs. You may also wish to move to a different part of the country with lower overall costs of living.



Method 4 Making Other Miscellaneous Arrrangements.

1. Investigate your employer's maternity leave benefits. Some employers will offer paid maternity leave for some period of time. Others may stick to the allotted unpaid leave that is required under the Family and Medical Leave Act, which allows up to 12 weeks of unpaid leave. However, many small employers are even exempt from this. You need to find out what policy your employer has, and use that information to help you determine what financial help you will need.

For a maternity leave, you can also investigate whether you can be covered under short term disability insurance. This could provide a portion of your salary during your leave. To investigate coverage, you should talk with your employer or human resources personnel, or your own insurance company.

2. Plan some alternative, temporary income. If you are out of work temporarily, either looking for a new job, on a maternity leave, caring for an ill family member or for some other reason, you may want to plan for some temporary work that you can do. Find something that gives you the flexibility that you need to go along with your leave, but still provides some income for you and your family. For example.

Even with a new baby or an ill family member, you can probably find some time to tutor a few students a week or teach music lessons (if you have that talent).

You might be able to do some freelance writing or editing.

3. Transfer your company-based savings plans. If you participated in an employer-based savings or retirement plan, you should transfer that plan when you leave. Your financial adviser may be able to help you set up a personal IRA, or you might talk to an investments adviser at your bank.

4. Collect any payout benefits. If your company allowed you to accrue vacation time or sick time, you might be able to cash that in and collect an additional payment in accordance with your contract. In some cases, this can be a valuable payoff amount.

In some cases, you may be able to collect a partial cash payout for unused sick or vacation days to provide some cash for a temporary emergency leave, such as a family illness or bereavement leave. Even if such a benefit is not standard, you may want to talk with your employer and come up with some creative possibilities.

If you are not aware whether or not you have such a benefit, contact your company’s human resources department and ask.

5. Maximize stock options, if any. If you were granted the option to purchase stock in the company, and you have not exercised that option to its fullest potential, you should do so before leaving. These options can often be very valuable and will not be available to you later.

Depending on your contract, you may have a set period of time to purchase such options upon your separation from the company.

6. Plan for health insurance. One of the primary benefits of employment is having health insurance. When you plan to leave, whether for permanent retirement or a temporary leave for a job change, you will need to make plans for some replacement health insurance. You may wish to investigate the following options:

If you are under age 26, your parents may be able to add you to their health plan.

If you participated in the insurance plan through your employer, you may be eligible through COBRA to continue on that plan for up to 3 years by making your own monthly payments.

Your spouse or partner may be able to add you to their health plan.

February 11, 2020

How to Prepare Your Finances for a Job Leave.

How to Prepare Your Finances for a Job Leave.

Working people depend on having an income to live. You need to pay for housing, food, health care and many other things. Nevertheless, there may come a time when you want to be able to leave your job. The most common reasons are either retirement or a temporary leave to change jobs or careers. Whatever your reason for wanting to leave work, you will need to make financial plans. You will need to set aside some savings and make changes to your spending. Your mortgage and insurance costs will be an important part of the picture as well. With adequate planning, you can make it happen.



Method 1 Setting a Target.

1. Choose a date. Some people may decide at the start of their career that they want to work to age 50, or 55, or some other number. If you would like to make this a goal, you need to set your target and then work toward it. Claiming to have a goal means nothing unless you take steps to get there, but your first step is to decide what you want.

2. Identify an event. Your target to leave your present job may be some event, such as reaching a particular level of expertise or the day your supervisor leaves. Some of these targeting events may be under your control, and some may not. The less certain the event, the more prepared you will need to be.

For example, you may have decided that you want to leave your present company if they ever sell out or merge with some other company. Since you cannot control something like this and may not know when it is coming, you should try to have some alternative source of employment at least in mind for when the time comes.

In the event of a maternity leave, you may not know for years exactly when it is coming, but then in the final nine months (or so) you will know almost exactly. You can plan in general to have some savings set aside, and then when you get pregnant you can begin making some specific last-minute preparations.

Sometimes, the "event" that triggers a temporary leave might be a long-term illness, either yours or someone you need to care for. This can come with almost no advance warning. You need to plan for the general contingency and make some emergency preparations.

3. Plan a savings target. This is probably the most controllable concept. You can sit down with a financial planner and decide how much money you would need to have in savings to allow yourself and your family to survive adequately without your income. Then work toward setting aside that amount of money. As time goes by and interest rates fluctuate, you may need to adjust your plans accordingly. However, setting the target and doing the work up front will help you be as prepared as you can be.

If your target is to retire early, financial experts recommend that your savings target should be about 25 times your annual salary. You will then be able to withdraw money at the rate of about 4% per year.

If you target is to be able to leave work temporarily to look for a new job or another reason, then your target will be whatever amount you need to meet your expenses for that time. For example, the average job search is approximately four to six months, so you should plan to have savings to cover your living costs for that long.



Method 2 Reaching Your Target.

1. Work with a financial adviser. If you want to plan for leaving your job, you should enlist the help of a qualified financial adviser. Someone with expertise in investing can help you decide how much you need to save and can help you find the best ways to invest. If you want some help with finding a qualified financial adviser, read Hire a Financial Advisor or Select a Financial Advisor.

2. Invest your savings carefully. Working with your financial adviser, you will want to do more than just place your earnings in a bank account. Simple savings accounts earn very low interest. You will do better to invest in bonds, stocks or other securities, in accordance with your adviser’s opinions.

Investing works best when you begin as early as possible. Your best ally when saving is time. Your interest compounds more effectively when you begin early.

If your focus is to be able to take a temporary leave at some time, then you may need to have your savings in a readily accessible account. Long-term IRA savings are good for retirement planning, but you may need to be able to withdraw money sooner. Work with your adviser to find the best investment or savings plans for your needs.

If you want to plan for a lengthy, temporary leave, such as for a maternity or family illness, you will want to have savings in some readily accessible account. A short-term bond or money market may be the best bet, or even a simple savings account that you earmark for such an emergency.

3. Cut your expenses as much as possible. Many people live their lives from month to month and use a great deal of their income. If you manage a budget this way, you will do fine from month to month, but you will greatly delay your savings plan. If your goal is to be able to leave work, you should begin by cutting expenses as much as possible.

To begin cutting expenses, start by listing them all. Then review how you spend your money over a one- to three-month period and identify the expenses that you believe you can live without. Perhaps you can reduce the number of times that you go out to dinner. Maybe you can cut some entertainment expenses.

Manage your utilities. Try to reduce some of your monthly expenses by reducing utility usage in your home. Manage the heat, turn off lights, and do what you can to save water. These sound like small steps, but over time they can all add up.

Cutting expenses is a powerful financial tool for any job leave, whether permanent/retirement or a temporary leave for illness, maternity or some other reason. You need to consider the absence from work as an overall change in your lifestyle.

4. Plan to spend some on your new job search. Part of setting your target, if you are anticipating leaving your current job, should be to have some savings available to spend on a search for a new one. You will need money for correspondence, printing resumes, travel, parking, and possibly one or two new interview suits. You should anticipate these costs, estimate the amount of money that you will need, and set this aside as part of your target savings.



Method 3 Handling Your Mortgage.

1. Recognize the importance of your mortgage. For most people, housing payments make up the largest expenses they have. If you are paying rent, rather than owning your residence, those monthly payments are effectively doing nothing for you. If possible, purchase a property and get a mortgage. In this way, your monthly payments will be building equity for you. At the end of your mortgage, you will own the property outright in your own name.

2. Aim for your target date. As much as possible, try to align your mortgage to your target retirement date. That is, if you are relatively young and just starting out, then you may want to get a 30 year mortgage to last the duration of your career. However, if you can afford the monthly payments of a shorter mortgage, you will be setting aside money toward your equity at a faster rate.

3. Refinance when possible. When mortgage interest rates go down, you should try to refinance. By refinancing, you will get a lower interest rate and reduce your monthly payments. You may also take that opportunity to refinance into a shorter term. For example, if you started out with a 30 year mortgage, you may be able to refinance to a 20-year or even 10-year mortgage, for roughly the same (or even lower) monthly payment amount. More of the money, that way, will be going to pay down the principal loan.

4. Downsize after retiring. When you do leave your job, whether for permanent retirement or as a temporary leave, you may want to consider changing your residence. Many retirees choose to move to a smaller house with a lower expenses and mortgage costs. You may also wish to move to a different part of the country with lower overall costs of living.



Method 4 Making Other Miscellaneous Arrrangements.

1. Investigate your employer's maternity leave benefits. Some employers will offer paid maternity leave for some period of time. Others may stick to the allotted unpaid leave that is required under the Family and Medical Leave Act, which allows up to 12 weeks of unpaid leave. However, many small employers are even exempt from this. You need to find out what policy your employer has, and use that information to help you determine what financial help you will need.

For a maternity leave, you can also investigate whether you can be covered under short term disability insurance. This could provide a portion of your salary during your leave. To investigate coverage, you should talk with your employer or human resources personnel, or your own insurance company.

2. Plan some alternative, temporary income. If you are out of work temporarily, either looking for a new job, on a maternity leave, caring for an ill family member or for some other reason, you may want to plan for some temporary work that you can do. Find something that gives you the flexibility that you need to go along with your leave, but still provides some income for you and your family. For example.

Even with a new baby or an ill family member, you can probably find some time to tutor a few students a week or teach music lessons (if you have that talent).

You might be able to do some freelance writing or editing.

3. Transfer your company-based savings plans. If you participated in an employer-based savings or retirement plan, you should transfer that plan when you leave. Your financial adviser may be able to help you set up a personal IRA, or you might talk to an investments adviser at your bank.

4. Collect any payout benefits. If your company allowed you to accrue vacation time or sick time, you might be able to cash that in and collect an additional payment in accordance with your contract. In some cases, this can be a valuable payoff amount.

In some cases, you may be able to collect a partial cash payout for unused sick or vacation days to provide some cash for a temporary emergency leave, such as a family illness or bereavement leave. Even if such a benefit is not standard, you may want to talk with your employer and come up with some creative possibilities.

If you are not aware whether or not you have such a benefit, contact your company’s human resources department and ask.

5. Maximize stock options, if any. If you were granted the option to purchase stock in the company, and you have not exercised that option to its fullest potential, you should do so before leaving. These options can often be very valuable and will not be available to you later.

Depending on your contract, you may have a set period of time to purchase such options upon your separation from the company.

6. Plan for health insurance. One of the primary benefits of employment is having health insurance. When you plan to leave, whether for permanent retirement or a temporary leave for a job change, you will need to make plans for some replacement health insurance. You may wish to investigate the following options:

If you are under age 26, your parents may be able to add you to their health plan.

If you participated in the insurance plan through your employer, you may be eligible through COBRA to continue on that plan for up to 3 years by making your own monthly payments.

Your spouse or partner may be able to add you to their health plan.

February 25, 2020

How to Find a Good Real Estate Agent.

How to Find a Good Real Estate Agent.

Whether you're buying or selling a property, a quality real estate agent is vital to make the process run smoothly. Seek out an agent with excellent credentials and references. Meet with a handful of agents to make sure any Question : s you have are answered. Watch out for potential red flags. Agents who charge very low costs or only work part-time may not be reliable.

Part 1 Finding an Agent with the Right Credentials.
1. Look for someone who does at least 1 or 2 transactions every month. When reviewing an agent's credentials, look for someone who's been working in sales, negotiations, and contracts for at least five years, preferably in real estate or property management. Five years experience and a regular stream of transactions means an agent likely has a good feel for the process and can help find you the best deals.
Agents with less experience can still be a good choice if they know you and the area well, especially if they demonstrate a great work ethic and strong customer service skills.
2. Find someone who works in your area. The agent you work with should know the area in which you're looking to buy or sell. Agents who live and work in your area will be aware of the best neighborhoods and trends regarding prices. A local agent will also know small details, like where the best schools are, commute times, and so on.
3. Check the agent's license. Obviously, you want an agent who's properly licensed. Every state should have a list of licensed agents online. While making a list of agents to contact, check to ensure every agent you interview has a legal license to buy and sell real estate in your state. You can also see the continuing education classes they are taking which will help you to know what their focus is.
4. Look for awards and honors to help narrow your choices. Check a real estate's website and resume for awards, honors, and other signs of recognition. Things like a "Realtor of the Year" award can be a sign of a quality agent who's likely to exceed your personal needs. However, realize that it may also indicate a very busy Realtor who may not be the right choice if you'd like more individual attention and you may need to base your decision on other indicators.
5. Ask friends and family members for referrals. If you know someone who recently bought or sold a home, reach out to them. Friends and family members are likely to give you honest assessments of their experience with a particular agent.
However, be cautious about choosing an agent ONLY because a friend or family member recommended them. Your real estate needs and what you desire in a Realtor may be different so make sure you understand what exactly your friends or family's objectives were and what specifically they liked about their Realtor. Ask about any hesitations the person has recommending the agent as well. This way, you'll get a sense if the agent has any major flaws that would be a deal breaker for you.

Part 2 Interviewing Real Estate Agents.
1. Ask how long they've been in business. When interviewing a real estate agent, one of the first Question : s to ask is how long they've been handling sales, contracts and negotiations for clients. They should be able to answer the Question :  quickly and accurately. Remember, while five years of experience is ideal, someone with less experience who otherwise meets your needs may still work if you've developed a good rapport with them.
Also, ask how long the agent's been working in your area. Even better, ask if they live near the area. An agent with extensive experience may not be the best choice if they are not familiar with your particular area.
2. Ask if they work alone or in a team. Agents who work alone are best if you want a lot of personal contact with the agent. Agents who work on a team are good if you like the idea of specialists for each step. The agent you hire may actually be a team leader who will then introduce you to a transaction coordinator, assistant, or buyer's agent who will handle those parts of the transaction.
Agents who work alone are more likely to walk you through each step themselves and more likely to reach out frequently by phone or even in person.
3. Ask about any planned vacations or other commitments. Real estate often requires quick action and response time. If a Realtor has a vacation planned soon or some other commitment that might interfere with their availability, you need to decide whether this will affect you buying or selling a property. Make sure they have someone to help you out if they will have an extended absence.
4. Ask about what other properties they've sold. In addition to looking at current properties online, have the agent show you some of the other properties they've sold. Make sure these properties are similar to what you're looking to buy or sell. It's vital to pick an agent who works with the right properties for your needs. If the agent is typically used to working at a higher, or lower, price point, they may not understand your particular transaction as well.
If you're selling a home, ask where the home will be featured. The main places you'll need to be is on the MLS and the big online sites (Realtor.com, Zillow, Trulia, etc...). Other sites, including the agent's personal website aren't as important. Also, beware of an agent who wants to keep your house off the MLS for any reason. Unless you are selling a luxury home, the MLS is where most buyers, and their agents, are. "Pocket" listings or similar are generally suggested when an agent wants to market your house first to their own investor clients or to others in their brokerage, but limiting the exposure is almost never a good option for you as a seller.
5. Contact their recent clients. Ask for a list of references after meeting with an agent. A quality agent will not hesitate to hand you a list of recent clients for you to call to ask about their experience. Call a few references for every agent you interview to make sure they have stellar reviews. Don't put too much stock in online reviews. Most people will give a 5 star review in exchange for a Starbucks gift card and a single bad review may not tell the whole story (ask the agent if you're concerned).
6. Make sure you get along with the agent. Chemistry is important in real estate. If you're working with someone who you don't get along with, this can cause unnecessary tension during an already stressful process. Make sure you click with the agent and feel comfortable in their presence.

Part 3 Watching for Red Flags.
1. Avoid agents who don't answer their phone or return calls. A good real estate agent considers their work a full-time job and knows that weekends and evenings can be the busiest times. In real estate, every day is a "business day" and if crucial items come up on evenings or weekends, you need an agent whom you can reach. An agent who isn't available throughout the day may not be your best option.
If an agent does not answer during "regular business hours," you may have an agent who is doing real estate on the side. Their "day job" may not allow them to give you the attention you deserve.
Conversely, an agent who doesn't answer evening or weekend calls, or worse yet, has a voicemail that states anything about "the next business day," may not be available when you need them.
2. Stay away from agents who don't know the area. If an agent does not work in your area, or cannot readily provide information about the area, this is a bad sign. A quality agent should be able to quickly rattle off things like neighborhoods, general price ranges, nearby businesses, and so on. If an agent cannot provide specific details about an area, you may want to find someone who knows it better.
3. Check that lower commissions don't mean fewer services. Typical commissions are usually between five and seven percent. When agent offers a lower commission, make sure they aren't offering you less service than higher commissioned agents. Before signing a contract, verify that all of their promises are in writing.
When buying, you don't usually have to worry about the commission because the seller generally pays both sides (buyer and seller) so focus instead on customer service and contract knowledge.

Community Q&A

Question : I'm looking for a great real estate agent in Bergen County, NJ. How do I find someone who is experienced with contingency, since we are selling and buying?
Answer : Your best option is to ask someone you know for a recommendation. Another option is to drive around your community to see which agents are listed on for sale signs so that you can contact them. You can also search for agents online. Ask your potential agents if they have experience working with buyers who are also selling a home. Finally, ask them for references from previous clients who've gone through the same process.
Question : I'm a first-time home buyer. What should I expect from a realtor, other than finding me a home?
Answer : First-time home buyers have some special benefits when buying a home. Your agent should spend time reviewing these, your needs and wants, and discussing your financial strength (down payment, deposit money, the closing cost, etc). On top of that, you have to consider property taxes and home insurance. Once you're comfortable, you'll be referred to a mortgage broker, if you don't already have one. Once you get pre-approval, the search for the home with the best fit for your finances and needs will begin.
Question : How do you tell an agent you do not want their services any longer?
Answer : Let them know over the phone you want to go with a different agent. Thank them for their time, but explain to them it's simply not working out.
Question : My realtor agent is being really pushy. How can I tell if they are only in it for the money?
Answer : A pushy agent is usually a bad sign. A good agent will want you to have a good experience renting from them and will be willing to give you time to think it over.
Question : How much does a real estate agent cost?
Answer : If you are listing your property then the listing agent charges a percentage commission to list, market and advertise, show, and negotiate through the process of selling your home. If you are a buyer looking for a home with a buyer's agent, you don't pay your real estate agent directly. The buyer's agent receives their commission through the seller's transaction for getting a buyer for their home which is based on the percentage set by the listing agent.
Question : How can I get a 3-month contract for selling my home? It is hard to find anyone willing to work hard enough to do this?
Question : Answer : The length of listing agreement is negotiable between you and the real estate brokerage. Since you are the owner and you are the one who is hiring and paying, it should be your decision as to how long you want to be in agreement. However, allow sufficient time to market your property and get you good price. If your realtor is not doing as agreed or if you are not satisfied (obviously some solid reasons for that), you can always cancel or terminate your listing. Some agents only suspend your listing, hoping to win back your listing. Insist for getting it terminated and find the right agent.
Question : Is it advisable to use the same agent to sell your home as well as buy a home?
Answer : It can be a big benefit because your listing agent will have all of the necessary information to keep the buying side of the new home going along smoothly. A lot of agents who have a seller who is also buying with them will negotiate their commission differently since they will be getting paid on two sides.

Tips.

If the Realtor has an assistant, this could mean they'll have more time to focus on your needs rather than paperwork. However, make sure that the assistant won't be undertaking work that you expect to have done by your agent.

July 02, 2020