Mortgage Size   The first and biggest hurdle to buying your own home is money. Few buyers, if any, try to buy a home without financing because it just doesn't make sense. In addition to the relatively low price of credit in America, why would anyone pass up substantial mortgage interest tax relief? Then there's the opportunity cost. Even the most financially secure among us won't want to tie up hefty capital in real estate when it could be spread across several investments in a diversified, well-planned portfolio.Typically, home buyers pursue a loan in amounts of 80 or 90 per cent of the purch... view article details

Types of Medical Insurance  Since health benefits were introduced in the U.S. marketplace in the 1940s, they have been both a blessing and a curse. No one wants to be without them, but few of us can afford to pay full freight either. Most people get health insurance through their jobs or are covered through a family member's insurance. This is called group insurance. Group insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost. Some organizations offer only one health insurance plan and others offer a choice of plans: a fee-for-service or inde... view article details

Why are fully employed people job searching amidst a swell of negative job market news? Do employers know what Employees really want out of their jobs? Salary.com has conducted its 4th annual survey of employee job satisfaction to give insight into what really makes employees happy (and unhappy) in their jobs.Fear of Being Fired? You’re not alone. Most people are concerned about the current economy. Layoffs all around and those that have jobs wonder 'Am I next?' It may be a luxury to wonder compared to people struggling to pay their bills. But many employees are dealing with th... view article details

Whether you're one of many workers in a row of cubicles or the CEO with the sweet corner digs, your office is the place where you are expected to create, inspire, come up with ideas and do your best work. But if you're spending more time in your office managing stress and frustration than you are doing your job, it could be time to inject a little feng shui into your day.Feng shui, an ancient art and science developed in China more than 3,000 years ago, focuses on creating a harmonious environment using the principles of natural energy flow. As Asian culture has become more popul... view article details

There are three reasons why your credit card bill is so high every month. The first are the splurges: the plane ticket and hotel costs for your vacation; the $130 shoes you had to have; or that new flat screen TV for football season. The second are the lifestyle expenses. A few $60 dinners each week or that round of happy hour drinks on your coworker’s last day are common.The third expense is more insidious: low-cost, recurring monthly expenses that are a direct result of the digital age we live in. You probably pay $8.99 for Netflix, $9.99 for Dropbox, $4.99 for music streaming, $6.95 for web... view article details

Be an Ant, Not a Grasshopper*  Most people know they should invest for the future, but at least half would like to do better. In a Salary.com poll about investments in the company retirement plan, 44 percent of respondents said they contribute, but could do better; 13 percent know they should invest, but have other priorities; and 41 percent said they contribute the maximum. Just 3 percent reported not having a retirement plan. If you're gainfully employed and reasonably satisfied with your career, there are few good excuses for not taking advantage of this benefit. If you've got access to a c... view article details

The ongoing political debate about the so-called 'war on women' took an unexpected turn this week when a comment by Democratic strategist Hilary Rosen ignited anger among those who feel she was denigrating the work of stay-at-home mothers.Rosen made the statement in question on Wednesday night, during an appearance on CNN. Asked if there was anything wrong with Republicans reaching out to women on economic matters, Rosen replied that there was not. She then went on to say that presumptive GOP presidential candidate Mitt Romney 'doesn't connect on that issue.'She took issue with Romney citing t... view article details

Sometimes life is all about timing. A missed flight connection can have a ripple effect, a stock market aberration can help (or hurt) your financial standing, and leaving a restaurant 10 minutes before your favorite sports team or band rolls in and buys everyone a round becomes a story of what might have been.Timing is a key factor in your job search as well. Of course, people are hired or fired every single day of the year, and companies hold reviews all the time: at the end of the calendar year, end of the fiscal year, the anniversary of your hire date, or handing out a promotion on the spot... view article details

One way to blow off steam and recharge your batteries at work is to chat with co-workers. While talking about topics unrelated to work may seem unproductive, it actually helps to build the relationships that are necessary for good teamwork and workplace morale. However, it's important to remember that no matter how comfortable with or friendly toward your co-workers you feel, there are simply some topics that are better suited to Saturday night than Monday morning. This article explores seven topics that are acceptable, and seven topics that are taboo.Water cooler do: Su... view article details

Everybody with a credit card knows it's smart to pay what you owe at the end of every month - right? According to CardWeb.com, an international credit card tracker, credit card debt is approximately $9000 per household for those carrying at least one credit card. Internet shopping increases the temptation to overspend, since cash or checks are rarely an option if you're online to shop.Holiday spending is a notoreous time when consumers rack up their credit card bills. According the Cardweb.com, Americans racked up just over $115 billion in retail spending on their credit and debit cards during... view article details