The purpose of insurance is to protect people against financial disaster when they are unable to earn a living because of sickness or injury, or to give their dependents some type of income after they die. Whether to purchase insurance is an important financial decision about protecting one's earnings and lifestyle.Many companies pay the entire insurance premium, or pay up to a certain amount of coverage. Some employers require waiting periods, where for example an employee may receive limited benefits for the first year of employment and additional benefits on each anniversary of the start da... view article details

Health benefits concern the physical well being of employees and their families. Broadly speaking, this could include such things as medical coverage, dental and vision insurance, prescription drug plans, certain types of disability coverage, and counseling services, often called employee personal assistance programs (EAP). You might also have a flexible spending account, which allows you to pay for certain medical and dependent care expenses out of pretax dollars.Dental plansDental plans come in almost as many forms as regular healthcare coverage. Basic dental coverage usually has categories ... view article details

The Sequester, Job Search, and You A recent Gallup poll states 51% of Americans don’t know enough about the sequester to judge if it’s a good or bad thing for the economy or for themselves personally. I tend to take a more negative view. As a layperson, and a veteran resume writer, I hear from many people who feel the effects of the sequester and believe it’s a bad thing, even if those changes have not already taken place. It’s like waiting for the other proverbial shoe to drop: You know something bad is about to happen, you just don’t know when.This article spells out in layperson’s ... view article details

Performance review season is upon us. This presents an opportunity for employees to demonstrate their accomplishments and distinguish themselves and their value to the organization. In this challenging economy it is important to use this critical tool to its best advantage as it has significant impact on pay, professional development and, even job security. Here are ten tips to make the annual performance review work best for you, while also making it easier on your boss to write you a terrific review. Know Your Role for your Performance Review If you are uncertain about any aspect of your job... view article details

Guardian Angels of the Sand Next time you're out strolling the beach, stop and take a good look around. For up beyond the sand and surf, you - and everybody else out there - are being watched. Not by some sneaky Big Brother, but by the tan hardbody in the red trunks. From a small post tower, a lifeguard peers through binoculars, anticipating the inevitable. And no matter what dangerous predicament we get into, this guardian angel of the sand is there to fish us out. Life Guards in Los Angeles form a division of the County Fire Department, made up of highly trained men and women who protect t... view article details

While 2011 college seniors are excited about closing the door on one part of their life, it's common for them to feel pressure as it pertains to next steps. Some graduates may have already landed a job, but others may still not have a clue as to how to start their job search or what type of company they want to work for.So where are the best places to work for those just graduating? Experience.com has done the research and compiled a list of the top 20 Best Places to Work for Recent Grads. The companies on this list range from a wide variety of industries, and they're hiring! In fact, these co... view article details

Don't Sink Your Own Ship Once you land a job interview, you may feel the hard work is done. You might even allow your enthusiasm to melt your inhibitions during the meeting. Don’t let your excitement rob you of a chance for the job you’ve been waiting for. Arm yourself with these key interview strategies that include practicing restraint as well as excellent preparation.Here are some things to avoid doing during job interviews.7. Talking Salary Too Early Why is it bad?: Simply put, this question shifts the focus to what you want for yourself as opposed to the value you will p... view article details

Q: Dear Heather,I am an African-American female who is working for a company who only seems to want to mentor and promote Caucasian people (especially Caucasian females). After putting in maximum effort for this company and even recreating their company newsletter they previously let fall to the ground, they continued to promote one white person after the other, some with high qualifications and others with only previous fast food experience.All of us African-Americans slowly deflated and realized this company did not want anyone with my ethnic background in leadership. We watched while one Af... view article details

It is a teacher's daunting task to add life to their student's school day by generating interest in all subject areas, even those that can be tedious for most students.         Job descriptionThe majority of teachers are primary and secondary school teachers. They generally choose a specific grade level or area of specialty in which to teach. Teachers are responsible for planning and then evaluating student performance. They are then responsible for promoting growth through providing additional assistance and meeting with parents and school staff to discuss student development and ways to impr... view article details

Q. As my experience runs a little short of the job requirements, what should I submit as my salary requirements?A. At the minimum of the pay range, the least skill or proficiency is necessary to perform the functions of the job. The more proficient you get in your job, the closer you move to the median or middle of the range. If you are fully proficient and can perform a job with little or no training, you should target the middle of the range.If you have several years of experience performing a job and not only are fully proficient, but also can direct and lead the work of others, then you mi... view article details