Personal Budget Planning Builds Household Wealth  To some people, 'budget' is a dirty word. In reality a budget is just a schedule of income and expenses, a way of documenting how much money comes in and how it should sensibly be spent. There's everything to gain from sticking to a budget, but adhering to a budget is difficult for many people because it usually means denying cravings and luxuries beyond reach.Well, after all, that's the point of a budget.What percentage of your income goes to housing every month? What goes to entertainment? Knowing those spending ratios is a valuable tool to ... view article details

Things Are Not As They Seem You too can be a millionaire!Everyone knows all it takes is a little disciplined saving and some shrewd investment, and your retirement will take care of itself. Just skip your daily latte, invest those savings, and let the miracle of compound interest do the rest. Right?Not so fast, says journalist Helaine Olen, whose new book Pound Foolish: Exposing the Dark Side of the Personal Finance Industry argues that the financial services industry has long been selling what, for many, is an impossible dream. Olen took a few minutes last week to answer some questio... 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. Rarely would an employer expect you to accept a position on the spot.... view article details

How was your day at work today?Odds are, it was pretty routine. It doesn’t matter if you’re reading this on a Monday or Tuesday or Friday, chances are that you did mostly the same thing… answered a bunch of emails (that looked like the same emails you answered last week), went to some meetings, talked to your boss about that project, and maybe met with some clients. Routine.The problem with having a hamster-wheel routine, is that you look back in a few months or a few years and find that you’re stuck doing the same exact thing every single day.However, if you ask a mentor or an older professio... view article details

When it comes to your career path, sometimes "up" isn't the only direction in which to travel. A sideways or "lateral" move -- defined as a move either within your current company or to a new organization with similar title, pay, and responsibility -- can often pay off in the future. Here are 14 reasons to make a lateral move. Reason #1: You want to enhance your value and be more marketable A lateral move often gives you the opportunity to gain additional skills and knowledge. Reason #2: You'll work with a better boss or supervisor Sometimes making a lateral move is a good way to cement ... view article details

“Please don’t take this offer” reads the first line of Amazon’s “Pay to Quit” proposition. The rest of the page explains how current Amazon warehouse employees can pocket cold, hard cash if they walk away from their posts and never look back. “Never looking back” is really part of the deal – employees that accept “The Offer” can never work at any Amazon facility or subsidiary again in their lifetime. We’ve all heard of companies offering bonuses to their employees to incentivize certain behaviors (referring employees, staying at the company for amount of years, meeting sales goals, etc.), but... view article details

All Hail the Chief(s)! This article has been brought to you by the letter “C.” If you see a “C” next to somebody’s title on a business card, you’ve most likely met a person of some importance. But, have you ever wondered about how much C-Suite executives make? Look no further! We’ve compiled a list of seven average annual “chief” salaries to give you an idea of how much these big wigs make annually, on average. 1) Chief Executive Officer (CEO) Median Annual Salary: $754,713 CEOs are responsible for the short- and long-term profitability and growth of their company. They organize leadership and... view article details

Employees in approximately one-third of all companies are eligible for bonuses of some kind. Bonuses are given to employees to serve the following purposes: to create incentives to reduce costs; to pay people for doing a good job; and to encourage employees to think like shareholders.Bonuses reflect your level of responsibility in the organization, making up a larger portion of your total compensation as you take on more responsibility. To ensure accountability and to reward you for your responsibilities, companies tie portions of employees' pay to both individual and company successes. Corpor... view article details

Dear Annette,Our company subsidizes memberships to a gym in our building. Everybody goes here, and I often find myself working out next to senior people in the company. How do I handle this? Out of BreathDear Out of Breath,I'm sure you realize you can glisten with perspiration and good manners at the same time. I myself do not exercise - I have People to do that for me - but nobody knows better than I do that sweat can be fabulous. It can also make the most casual situations more complicated than they appear. When working out with colleagues, you want to show you're a team player who appreciat... view article details

Recent budget constraints have left states having to cut funding left and right, higher education is no exception. The College Board recently released statistics that not only reveal some dramatic tuition increases, but the lull in enrollment for four-year institutions. These factors may indicate a possible demand for learning alternatives such as online education and community college.According to the College Board's findings, public four-year institutions have raised their tuition 6.5 percent higher than the previous year, averaging $7,020, not including room and board. Previously, the avera... view article details