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

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

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 un... view article details

Updated laws and legislation protect members of the uniformed services from certain workplace uncertainties, allowing reservists and guardsmen to leave their civilian posts to serve their country without having to worry about job security, delayed compensation, revoked benefits, or other adverse employer reactions. 'Weekend warriors' in peacetimeNormally, a reservist voluntarily signs up for part-time duty, sacrificing two days a month for training plus 15 days a year for an annual tour, a schedule that has led some observers to refer to them as 'weekend warriors.' In addition, if the reservis... view article details

13 Best Business Books to Boost Business Acumen Think you need an MBA from a top school to gain business smarts? What follows is a list of the 13 best business books, some old, some new, to have you thinking like a top business major in no time. Even if your career isn't focused on business or entrepreneurship every employee can use tips and advice from business experts and thought-leaders to be a better worker. Check out these titles to boost your business acumen and possibly improve your life. 1. The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen R. C... 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

Which Terms & Tactics Work? Within the language of every culture exists a sub-language – a collection of words, phrases, acronyms, slang, and jargon unique to that area of life, which must be deciphered in order to truly gain an understanding. The language of negotiation is no different.Wikipedia has a great list of negotiation terms and tactics, so let’s highlight some of them and frame them in terms of salary negotiation.8. Auction Anyone that has used EBay or watched the reality show Storage Wars is familiar with an auction, a bidding process designed to create competition... view article details