'You need to devise a savings strategy that maxmizes your return. What's the best place for your savings? Knowing about the various options can help you build greater wealth for the future.'   Money Markets and CDs   Personal savings is the base of your financial pyramid. It is the foundation of your family's well-being and it's your starting point to building wealth. Starting a sound savings program isn't difficult, but it takes some thinking, planning, and commitment. Your first savings priority should be to build the money you'll want on hand for immediate and short-term needs. This money c... view article details

Q. After having 12 weeks off under the Family and Medical Leave Act (FMLA) to care for a newborn baby, I have decided to reduce my work hours from 40 to 30 per week. However, I am a bit uneasy about negotiating for the time.I have worked for this company for three years (I have over a decade of experience). On all of my past reviews I have been given the highest rating. I live in an area with very low unemployment and great demand for skilled employees, which will work in my favor when I negotiate for the time, but I am unsure of how to go about it.Should I begin by writing up a proposal, deta... view article details

No One Knows Blue Collar Jobs Better than Mike Rowe At one point or another, you've probably seen someone performing a "dirty" job and said to yourself "You couldn't pay me enough to do that." But Mike Rowe, host of TV's Dirty Jobs, gets paid to do exactly that. And, in an interview with Salary.com last week, said he thinks more people should follow suit. Rowe says America is in the midst of a skilled labor shortage, as hundreds of thousands of available blue collar jobs go unfilled because workers lack the necessary training. But even more upsetting, Rowe said, is the attitude of many Amer... view article details

Delayed Sleep Phase Syndrome is Real Some people are hard-wired to go to bed late and wake up late. They’re not lazy and they’re not insomniacs. Instead, they just have to keep a late sleep schedule or they’re liable to pay a huge toll in their health and well-being, not to mention their careers. To function well, we all need to match our sleep schedule to our body's circadian rhythms, which are being increasingly researched by sleep experts.In this fifth story in a series about delayed sleep phase syndrome (also DSPS, or delayed sleep), you’ll meet Tina Garner, an engineering design ... view article details

Just like an interview, a job offer can tell you a great deal about a potential employer. An offer can reveal how serious the employer is about the offer, how valuable you are to the company, and most importantly, whether you should make the move. Jobs are customarily offered over the telephone or in person. The employer should offer more than just, 'Congratulations, you've got the job.' He or she should explain the offer in detail and answer your questions. It is appropriate to respond to a job offer within two to four days, so in the meantime, check out Salary.com’s Job Assessor tool, which ... view article details

Everyone's had mornings when they'd rather stay in their bunny slippers and gloat at the traffic reports while sipping coffee and working from their "home office." But in the past (let's call it the dark ages), some bosses considered "working from home" a euphemism for "doing errands" and only allowed it in the event of major plumbing or medical emergencies. Fortunately, progress in technology has made it possible to stay in your PJs and also be productive. Here's a surefire way to get even the most stubborn boss to let you give "teleworking" a try. Staying home is not just for snow days anym... view article details

Cash compensation comes in two forms: base salary and variable pay. As the term implies, cash is any type of compensation paid in the form of a bank check or direct deposit into your bank account. But what does cash compensation for doing your job really mean? Base Salary Base salary is a cash payment from the employer in exchange for your performance of your job. For most role, base salary makes-up the largest proportion, about 85% on average, of an employee’s total cash compensation. Base salary represents a fixed cost to the company, and the total cost of all employee’s base salaries are of... 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

Whether you're already an executive or just an aspiring big cheese, it's never too early to begin studying the sophisticated art of negotiating executive compensation. Only executives are eligible for many types of perks and benefits - if you disagree, try asking for your own jet. And executives often have access to data sources that are harder for other employees to use, or less relevant. But you may be surprised to learn that some of the methods for negotiating executive pay can work just as well for you as they do for the senior VP whose salary continues to rise while everyone else worries ... view article details

Less Salary Isn’t Always a Dealbreaker- As Long As There Are Other Advantages Should you ever take a job that pays less salary than you expected? After several rounds of job interviews, you’ve finally been offered the position for which you've been pining. Upon accepting the offer, your future boss rattles off all the benefits you’ll receive including medical, dental, vacation days, and your 401k. But then he gets around to your starting salary, and it's less than you expected. It's understandable to be downright disappointed, especially if this seemed like the perfect job and company. But if ... view article details