'Stock mutual funds can be geared toward an investor's risk threshold. The more conservative investor would focus on lower-risk balanced funds that usually are composed of high-dividend-yielding stocks and bonds.' Anyone who's shopped for a mutual fund knows finding the right one can be harder than locating that proverbial needle in a haystack. There are so many to choose from. Remarkably, people seem to navigate the selection process somehow, because statistics show that most stocks held by the average American are purchased by way of a mutual fund. Mutual funds do the work for you'Certainly ... view article details

“My meeting to ask for a raise went terribly.”Needless to say, this is about the worst thing you can hear after giving someone advice on how to negotiate, but once in awhile it happens. Like many things in life, a test of one’s character isn’t how they live their life when things are good, it’s how they react when faced with a challenge.Let’s look at a case study from the viewpoint of Kristin, a marketing assistant. There is a 3-step process for our company reviews:Fill out an evaluation formHave a review discussion with your managerFollow up with upper management to discuss compensationI have... view article details

Leading up to Salary Negotiation Week, we surveyed more than 1,000 people on several different topics related to salary negotiation. We had readers answer some questions regarding their experiences asking for raises, and what they're afraid of when it comes to negotiating salary. Here is input from an actual Salary.com reader, and our subsequent advice.Job Title: Director of CreativeCity: DurangoState: COCurrent Salary: $48,000Last Raise: 10/2011Company Size: 50What is motivating you to ask for a raise? I negotiated my starting salary but have not asked for a raise since. I have proven results... view article details

It's the rare person who doesn't feel frazzled at work these days. The threat of layoffs seems to be churning around most offices, and employees who do survive the cut often end up doing the work of their colleagues who left.No matter what's going on around you at work, these tips will help you stay calm -- before, during and after the storm.A: Ask for help If you're the type of person who insists on taking on every little task, even when there is no room left in your schedule, you're headed for trouble. Don't be afraid to delegate or call in favors. B: Breathe Regularly pr... view article details

If the true measure of a person is how they act in the face of adversity, then how you react when you get turned down for a raise request speaks volumes. Look, no one likes rejection. It’s not easy mustering up the courage to put in a request for a raise in the form of a pay raise request letter, and potentially put your self-worth on the line. Doing your utmost to convince someone you’re worth it and then having your manager disagree isn’t an easy thing with which to cope. Once you’ve been turned down, you now run the risk of becoming bitter, detached, and disinterested at work – and that ser... view article details

FAQ: The 8 Hottest Salary Negotiation Questions Salary negotiation can be a complicated, confusing, confidence-rattling experience. There are lots of questions to be answered, and in nearly every situation, part of the answer is “it depends” -- on number of years in the workplace, what the salary level is, what the job and industry are, and how much leverage you have.Given that background, let’s look at eight quick-hit questions that might be on your mind.8. "How much is too much?" Q: When asking for a higher salary, how much higher is generally reasonable? $10,000? $15,000? ... view article details

A collection of degrees and a host of credentials is all well and good, but if you don't have the right attitude at work you'll likely be shown the door. And that's a costly outcome for both employee and employer.Mark Murphy is the author of 'Hiring for Attitude: A Revolutionary Approach to Recruiting & Selecting People with Both Tremendous Skill & Superb Attitude.' He's also this week's guest on Salary Talk, and tells Aaron and Wendy the hard truth about the way companies hire employees today -- that most of the standard approaches to hiring are wrong.Past employment at Fortune 500 companies ... view article details

Q. I had five years of experience as financial accountant in private industry in the United States before moving to Hong Kong last year. My annual earnings as a manager were US$43,000. The staff accountant job I hold in Hong Kong equates to US$28,000. Besides the job title, the salary difference is also because of the different living standard, tax rates, and salary trends between the United States and Hong Kong. After taking these considerations into account, I estimate my salary in Hong Kong to be equal to US$40K.Now I am returning to the United States and my low salary looks awkward on my r... view article details

Q. I never know what to say when the interviewer says, 'Tell me about yourself' or asks, 'Do you have any questions for me?' Most of the time I don't, because the interviewer has given a good description.Then there's 'What are your salary requirements?' I know you should not discuss pay, but how do you get around it without sounding really bad?A. To get a good idea of the job you are interviewing for, ask what expectations and objectives the supervisor or manager has in mind. You may also want to know the scope of responsibility of the job, and whom are you expected to interact with to get the... view article details

Q:  I am working on my associate degree with a double major in purchasing/business management. I have been a co-op student with the same company in the procurement department for a year and a half, and have just finished my co-op requirement. I really enjoy working in this field. I have a background in accounts payable, personnel, and office administration.The company doesn't have a position available for another buyer, only the co-op position. I keep hoping they will create one just for me, but that is unlikely. My purchasing manager is allowing me to stay as long as he is allowed to keep me.... view article details