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

Any real estate professional will give you a litany of reasons why it makes sense to buy a house. But as with everything else, it depends on who and where you are, in your life as well as your career. Despite the prevailing assumption that everybody, everywhere sooner or later should settle down and buy their own home, research shows there are actually times and circumstances when renting might be a better idea.Will you put in the time?In any investment, there's no such thing as a sure thing. What usually makes real estate a better risk than most is time. The longer you commit to a property, t... view article details

Q: Dear Heather,I recently started a full-time job after several years at home with my children. It wasn’t my first choice, but my husband ended up having to take a lower paying job after his company downsized. I’m mostly OK with it and getting used to the schedule. My 15-year old daughter has really stepped up to help, but my 10-year old daughter isn’t adjusting well. She was very much accustomed to our afterschool rituals and complains daily that she wishes I were a 'real mom' again. My husband works late most nights, and so this is pretty much all on me. I don’t have the uninterrupted hours... view article details

The teens and 20s are always a tricky time for young adults trying to launch careers, move into their own households, figure out their finances, and generally establish themselves as grown-ups. And when an economic crisis hits in the middle of the process, it can have significant and long-lasting impacts.The financial slump known as the Great Recession is no different. Recent economic troubles have left young people reaching some milestones of adulthood at slower rates, according to an analysis released last month by Pew Research. At the same time, however, the economic climate seems to have h... view article details

Hooray! This "pawsome" day has finally come. It’s Take Your Dog to Work Day 2018. Instead of leaving your four-legged friends at home – their sad eyes piercing your soul as you sneak out the back door feeling shame-faced – you can bring your furry companion along to the office (on the condition your workplace is participating, of course)! You will be your pupper’s watchful "humanager" for the day. You will conduct rigorous "furformance" reviews. Everyone will be cheerful and take a “pat break” at noon. A corgi named Banana Bread will pant along to your favorite song on Spotify. A Great Dane th... view article details

Talking to Your Boss -- You Can Do It! You love your in-office job. But at this point in your career (and life), you need to work at home. Convincing your boss that you’d like to telecommute is not as difficult as you might think. Here are some tips on how to negotiate a flex work schedule that benefits both you and the company.7. Assess Your Job Write down everything you currently do in your job. Now, which aspects of your position could be done working at home? Maybe it’s writing proposals or researching tech companies. Be very specific about what can clearly be done at hom... view article details

The duties of a counselor are as multiple and various as the diverse populations they serve. From mental health facilities to your local high school to a police station, there is a counselor around with the kind of expertise to help anyone in need of listening or advice.Family and marriage therapists listen to individuals or groups of individuals who may be experiencing problems in their home life. They might offer advice for healthy behavior or more effective coping mechanisms.School guidance counselors advise students on how to transition into the next phases of their lives. They are expecte... view article details

Find Out Which Jobs Will Be In Demand By 2024 Which are the fastest growing careers? Everyone wants a little job security. But in these turbulent times filled with massive changes, how can any of us know if our careers are on solid ground? Luckily, the Bureau of Labor Statistics crunched some numbers and came out with employment projections to the year 2024. So, which are the most in demand jobs? The aging population of Baby Boomers put more than a few health care careers on this list, but check out other popular options amongst the fastest growing careers of the future. 11. Food Prep and Serv... 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

Be Sure to Consider Your Entire Compensation Package When Negotiating Employer Won't Budge on Base Pay? Try Elsewhere You’ve gone through several rounds of interviews and have finally landed the job of your dreams. The problem is; your dream job doesn’t come with a dream salary. But before you pass on the position, there are many non-salary benefits that you can negotiate. Combined, they might make your potential position seem quite palatable. The good news is these benefits come at a low -- or no -- cost to your company. Here are the top ten benefits that you can and should ask for during ... view article details