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

Are Young Workers "Lost?" A recent piece in the New York Times by Todd G. Buchholz and Victoria Buchholz calls 20-somethings the 'go-nowhere generation' based on their statistical reluctance to relocate for work. They note, 'The likelihood of 20-somethings moving to another state has dropped well over 40 percent since the 1980s, according to calculations based on Census Bureau data…According to the Pew Research Center, the proportion of young adults living at home nearly doubled between 1980 and 2008, before the Great Recession hit.'Whether or not you believe Millennials are sedentary... view article details

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

You Might Want to Avoid These Jobs Years ago, Bobby McFerrin told us all to “don’t worry, be happy.” Clearly he wasn’t working in one of the careers on this list.The work website Careerbliss has come out with a survey detailing which careers feature workers who are the unhappiest. After analyzing more than 25,000 independent company reviews, these 10 jobs are the ones which feature the largest amounts of employee discontent. In order to compile these rankings, CareerBliss data evaluates the key factors that affect work happiness including: bosses, support and incentives, growth opport... view article details

Pay Yourself Right When Being Your Own Boss The dream of working independently is a reality for almost 10 million people in the United States, or roughly 10 percent of the workforce, according to the Bureau of Labor Statistics. The rewards of self-employment include independence from supervision, the ability to set your own hours, and the satisfaction of knowing you are writing your own ticket. And yes, if you want, you can often work in your bathrobe. Technology makes it easy to work wherever you go. With an up-front investment of a few thousand dollars in a computer, bandwidth (telephone,... view article details

Politics in the Office is Inevitable In a perfect world, this article wouldn't have to be written. When it comes to politics, reasonable people would agree to disagree, cast their ballots in private without fanfare, and then go back to office small talk. But during this election season in the most politically divisive time in recent memory, that's just not in the cards. So the question isn't whether or not people should talk politics at work, but how to survive talk of the election during office hours.It's hard to escape politics these days. As Election Day nears, the political ads ar... view article details

In an economy where employees are often overworked and many businesses are pulling the plug on raises and extra benefits, some companies are shining stars when it comes to offering their employees cool perks. Most organizations say that they value their employees and offer generous benefits packages. But we’ve searched around and found employers that offer much more than standard benefits. Check out our round-up of 14 companies that offer their employees unusual and incredible perks. 1. Google Mountain View, CA-based Google doesn't just offer employees a stimulating environment to work and c... view article details

Careers That Pay a Whole Lot Less Than You Think That's All They Make?! All through my childhood, I thought classroom teachers must make a million dollars a year. After all, look at how much they work both inside and out of the classroom. And consider the work they do -- shaping young minds. These are people who are depended on the world over to raise future generations of educated, employable adults. Some argue it is the most important job one can have in our society. But then I grew up and found out what the overwhelming majority of us have come to know -- teachers don't make a million do... view article details

Is Transparency Good or Bad? Transparency is one of the most misunderstood concepts in executive circles. Clear to all ranks however, is the notion that a perceived lack of it can have a crippling effect on a leader’s reputation.Consider both current U.S. presidential candidate and incumbent, on the issue. When the latter, Barack Obama, took office, his Administration promised that it would be 'the most open and transparent in history.' All evidence to the contrary, say prominent critics who point to the government’s alleged disappointing track record in processing Freedom of Informat... view article details

Your bedroom closet redo might have happened during a last-minute quest for clothing donations at tax time. But now it's easier to get dressed for work and less likely that you will grab the navy blue jacket to wear with your black pants.Hold that thought. Mull it over as you sip your coffee, chiding the driving faux pas of your fellow commuters. Could this spring cleaning moment have other applications? What if you were to clean and organize your workspace? Here are some de-clutter tips that might just get you promoted. Or at least help you find your daily planner. Do a drive by Chec... view article details