If you’re like most people, your credit rating is probably the last thing on your mind while looking for a new job. Maybe you’re taking a second or a third look at your resume and cover letter, or having a friend or expert review or revamp them. You may even be taking a closer look at your wardrobe. But according to analysts and experts like Michael Germanovsky, editor-in-chief at Credit-Land.com who was our 'go to' expert for this article, your credit rating should definitely be on your mind if you want to get hired. In reality your credit score can play a very real role in whether or not you... 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

Every workplace--and every department--has difficult people. In the first part of this article, you met five common difficult personality types, and learned strategies and tactics for dealing with them. In this article, Part II, you'll meet five more.By the end of this article you'll know exactly what to do to neutralize even the most annoying of co-workers.The Complainer Meet Nellie Negative. Nellie constantly whines, complains, and points out the downside to every situation. Complainers distrust everyone around them, and have a knack for maligning even the best intentions o... view article details

Q. What should I do if my job title doesn't really reflect what I do? My job title is 'return authorization coordinator.' I process and credit accounts when we receive products back from customers.A. I agree that your title seems to be somewhat inflated. A job title is never a good way to define a job. Rather, whether in a job search or at performance review time, it's better to read the entire job description to make sure it adequately reflects what you actually do.Ideally, a job title also should reflect a person's actual job responsibilities. Ask your HR department what its rationale was fo... view article details

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

Thanks to Technology, Many Jobs Will Be Fully Automated in the Near Future Going, Going, Gone You know all those movies where the robots become sentient and start to rise up against humans? Well, turns out it might not be as much hyperbole as we originally thought. Technology is advancing at lightning speed, and if it strikes people in certain professions there's a pretty good chance they could be out of a job. If you work in a profession that lends itself to potential automation, the possibility of machines doing your job faster and cheaper is a real threat. But could robots, machines, and... view article details

'Bonds come in many shapes and sizes. Those issued by the government include T-bills, Treasury notes and Treasury bonds. Municipal bonds are issued by a city, county, state, school, or park district for constructing roads, bridges, schools, libraries, airports, and so on.'    Now that the roaring bull that was the stock market has been put out to pasture, let us turn our attention to bonds and bond mutual funds. With investors accepting the sad reality that stock values can drop as fast as they may rise, bonds beckon as a lower-risk alternative - albeit one with a less exciting growth potentia... view article details

Tips for Living within Your Means'It's not like I'm disorganized,' said Michelle E., a 28-year-old paralegal from Aurora, Colorado. 'My friends even joke about my CD collection being alphabetized. Yet my savings account is always empty and I never manage to pay down my credit cards,' she said.Cathy W. is 36, single, and facing a similar dilemma. 'I'm a freelancer in computer graphics based out of San Francisco. I think I make decent money, but there's never any left over. I don't see how I could ever afford my own home - certainly not in this town. I have no investments, never mind retirement ... view article details

For a lot of us, filing taxes is only slightly more fun than having a fender bender, and not quite as exciting as a major dental procedure. No wonder we put off wrestling with the 1040 form.But even at this late date, there's plenty of help out there to get your tax return filed correctly, and on time--whether you have a professional prepare it or do it yourself.1. Don't rush 'Do not compromise the tax return by rushing to get it completed,' says Mark Steber, chief tax officer at Jackson Hewitt Tax Service, based in Parsippany, N. J. 'A lot of people do this -- and they leave money on... view article details

The foundation laid now often sets the tone for what the future will hold. This philosophy possesses very significant meaning in education. Selecting a place of higher learning definitely helps chart the course for future career opportunities and success. It may not be that any of the schools are necessarily wrong—it’s really about uncovering that one school that is right for you. A few things to consider: Ask the online-accredited colleges to send brochures and information packets about their programs. Seeing the quality and depth of information sent will help determine the type of education... view article details