'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

'Safe travels'...at every goodbye these days, it seems, it's the same benediction. Beyond wishing each other well, what else can travelers do to play it safe in the air and in other countries? How can travelers overcome their reluctance to get back on the horse...or the plane? The U.S. State Department offers these tips on traveling safely to other countries.Before you leave...Read the consular information sheet for your destination country, which describes local conditions travelers can expect. Find out about any travel warnings or pertinent public announcements in case there are any perceive... view article details

Job descriptionComputer Programmers are responsible for creating code that essentially tells a computer how to operate. They write, test, and maintain these coded instructions, also referred to as programs. The work of programmers has been expanded in today's world, due to the innovative and advanced technologies that now exist. Programmers are now heavily involved in all aspects of technical problem solving for companies. Common computer languages that programmers use include COBOL, C++, BASIC, Java, and HTML. Most programmers know several computer languages because they tend to be similar, m... 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

COBRA  The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) is a federal law that protects your right to continued health insurance. COBRA gives former employees, retirees, spouses and dependent children, who were covered by a group health plan on the day before a qualifying event, the right to temporary continuation of health coverage at group rates. One overwhelming drawback to COBRA is the cost. If you and/or your family members qualify for COBRA, you will pay 102% of the insurance premiums until coverage is terminated. Most companies pay a portion of health insurance premiums... view article details

Why are fully employed people job searching amidst a swell of negative job market news? Do employers know what Employees really want out of their jobs? Salary.com has conducted its 4th annual survey of employee job satisfaction to give insight into what really makes employees happy (and unhappy) in their jobs.Fear of Being Fired? You’re not alone. Most people are concerned about the current economy. Layoffs all around and those that have jobs wonder 'Am I next?' It may be a luxury to wonder compared to people struggling to pay their bills. But many employees are dealing with th... view article details

Job postings range from regurgitated job descriptions to carefully crafted sales pitches. At some level all job postings are designed to give you enough information to qualify yourself in or out of applying. And, if well done, the compelling copy and clarion call-to-action spurs you to 'Apply!' 'Submit!' 'Enter, enter, enter!'Before you take the plunge So, you're ready to apply online. Before you dive in, dizzy with anticipation of landing your dream job, consider: What do these common job posting phrases really mean?"We have an immediate ... view article details

In October 2008, the U. S. Labor Department reported the tenth straight month of job losses. With the current economic situation, it can be anticipated that this trend will continue. Most industries are expected to suffer although jobs in security, health care, the environmental sector, energy and education are expected to fare somewhat better. So how do you manage your career through an economic crisis? The best thing to do in uncertain times is to prepare yourself for the worst case scenario. Stay where you are – if you can During a recession, even if you are unhappy with your current emplo... view article details

Be an Ant, Not a Grasshopper*  Most people know they should invest for the future, but at least half would like to do better. In a Salary.com poll about investments in the company retirement plan, 44 percent of respondents said they contribute, but could do better; 13 percent know they should invest, but have other priorities; and 41 percent said they contribute the maximum. Just 3 percent reported not having a retirement plan. If you're gainfully employed and reasonably satisfied with your career, there are few good excuses for not taking advantage of this benefit. If you've got access to a c... view article details

It is a teacher's daunting task to add life to their student's school day by generating interest in all subject areas, even those that can be tedious for most students.         Job descriptionThe majority of teachers are primary and secondary school teachers. They generally choose a specific grade level or area of specialty in which to teach. Teachers are responsible for planning and then evaluating student performance. They are then responsible for promoting growth through providing additional assistance and meeting with parents and school staff to discuss student development and ways to impr... view article details