In our unstable economic times, there are few employees who feel absolutely sure their job will still be here tomorrow. But it's not productive to be distracted by needless worry every day. So how do we know when to relax and when to worry (and start polishing up that resume?) Pay attention to true warning signals, but don't get too caught up in office gossip. It can lead to low morale. Just keep your eyes open for these signs that your job may be on its way to the downsize dump.1. There are rumors of layoffs Here's an obvious one. Generally, when the... view article details

Start With Confidence  Dealing with Realtors  House, Job, and Income  Finding the HouseWhen Renting is Better  Making the OfferWhen Buying is Better  Closing TimeIncome and Mortgage Size         Making the Offer Good real estate agents are invaluable when it comes time to make an offer on a house. Invariably the agent will provide you with a preprinted form of a purchase contract, which together you rework to fit your needs. The contract begins by identifying the focal points, buyer, seller, property location, brokers, etc., then quickly moves to the crux of the matter: the purchase price offe... view article details

The Sequester, Job Search, and You A recent Gallup poll states 51% of Americans don’t know enough about the sequester to judge if it’s a good or bad thing for the economy or for themselves personally. I tend to take a more negative view. As a layperson, and a veteran resume writer, I hear from many people who feel the effects of the sequester and believe it’s a bad thing, even if those changes have not already taken place. It’s like waiting for the other proverbial shoe to drop: You know something bad is about to happen, you just don’t know when.This article spells out in layperson’s ... view article details

Just Because You Were Offered the Job Doesn't Mean You Should Take It. The good news is you got the job. Which, in this still-reeling economy, is quite an accomplishment. But the bad news is you're worried you might be settling for a position that isn't the right fit for you. So where do you go from here? Look, the honest truth is there are times when you'll have to take any job offer you can get, even if you know it's a bad fit. Maybe your house is about to be foreclosed on, you can't make rent, or you have a family depending on you for income. We completely understand there will be times whe... 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

Getting Back Into the Swing of Things First of all, congratulations on the new job! Whether you were unemployed and searching for something new, or you took time off to raise kids or take care of loved ones, welcome back to the workforce.But at the same time, it's understandable that you're a little leery about transitioning back to the working world after a prolonged absence. Will people like me? What have I missed? Is the technology different? Can I really meet these new challenges in unfamiliar territory?Before you start your new chapter, take a minute to read about a few tips for ... view article details

Compensation SurveysPaying people fairly is good for business. Underpay, and employees will eventually look for a better offer. Overpay, and the payroll budget and profitability will suffer. That's why companies use market data to research the value of their jobs. But what is 'market data' anyway?To determine the prevailing rate for a job, companies can 'benchmark' jobs against compensation surveys that are detailed and specific to the companies' industries and regions. A good compensation survey uses standard, proven methods of data gathering and statistical analysis to determine how much com... view article details

It's Not Easy, But You Can Make Big Bucks in the Mortgage Industry Each year, the news offers conflicting reports about the economy. It’s bad. It’s picking up. It’s crashing over the fiscal cliff. It’s enough to make one’s head spin! But for qualified sales people seeking new opportunities in 2013, prospects are looking up. The mortgage industry is recovering from the downturn and companies are looking to recruit top candidates as loan officers. But how do you get your foot in the door? Tim Padavic knows a thing or two about getting hired in the mortgage industry. He’s the VP of Business De... view article details

Types of Bonuses There are several types of bonuses. Some plans simply give employees a certain share of the company profits, or perhaps a bonus to the entire company. Other programs give incentives to individuals or teams to perform at or above certain thresholds. And a variety of cash and noncash awards are possible for certain types of achievements in some companies. You can even earn bonuses for being hired or getting your friend a job at your company. The following article details 10 types of bonuses that are typically seen in the workplace. What is Profit Sharing? One very basic type of ... 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