'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

Part-time work offers employees the flexibility to stay at home with their children, care for relatives, go to school or have more time to themselves. These kinds of jobs are also a way to earn supplemental income throughout the year or on a temporary basis during the holidays. Whether you already have a job and you want to work part-time to supplement your income, or you just need extra money for the holidays, we have some suggestions for jobs that may suit your needs.Part-time Seasonal and Supplemental Jobs Before you start your search, consider the following: Use a... view article details

Productivity bonuses have their roots in the days when manufacturers rewarded hourly workers for speeding up their work pace. For instance, a worker who finished rolling 100 packages of shrink-wrap would earn a productivity bonus because an increase in personal efficacy meant a greater rate of output - and more profit - for the company.No longer confined to hourly workers, productivity bonuses are now being used throughout the payscale as rewards for performance and efficiency.In a survey of 783 employees across diverse companies, 20 percent of executives said they are seeing productivity rewa... view article details

Most of us loathe the very idea of doing our U.S. personal income taxes, not because we expect to get fleeced each April 15 (or 16) but simply because we don't know an adjusted gross income from a standard deduction. For the many tax code illiterates among us, Salary.com has combed through the Internal Revenue Service website, taking inspiration from Sarah Young Fisher and Susan Shelly's book The Complete Idiot's Guide to Personal Finance, to come up with a checklist that may help simplify your tax-filing experience. Taxable and nontaxable income To get things started with the very basics, bel... view article details

From CNN Money and the compensation experts at Salary.com6. Market research analyst Why it's great If you want to know what the next big thing is, this is your field. Before launching a product or service, companies turn to market research analysts who collect and evaluate data about consumer wants, needs and buying habits. You get to work on a huge variety of projects: In a single day you might run a taste test on a new vodka flavor, evaluate a re-branding campaign for a hot dog and analyze political polling data. What's cool Testing products before they hit the market. You talk to lots of pe... view article details

Working in a nonprofit organization brings both material and nonmaterial rewards. Although some nonprofit organizations do not pay (or are unable to pay) market wages, the benefits of working in a nonprofit often outweigh the drawbacks for many employees.In the United States, nonprofit or charitable organizations such as foundations, churches, arts organizations, universities, and even some hospitals, are exempt from federal income taxes. Although the range of their services is rather broad, these groups have in common a mission to provide a benefit to a constituency that is more important tha... view article details

The only way to truly get the life you want is by taking positive risks and planning a strategy for doing so.'Unlike negative risks, which are typically impulsive and emotionally driven, positive risks are calculated,' says Gail McMeekin, a nationally recognized creativity and HR career coach (www.creativesuccess.com). 'You must think them through, and anticipate what could happen,  before you jump.'Choosing to find a mentor to help accelerate your career is one way of taking a positive risk.  Develop “a road map” by first deciding if you want the mentor to be someone inside the company... view article details

Stand Out in a Crowd Hiring managers see thousands upon thousands of resumes every year. That's why job seekers have to stand out in a crowd if they harboring any hope they'll be hired.When you're writing a resume, what you don't know can hurt you. John Kalusa is a nationally recognized writer who speaks about corporate sales, recruiting, and personal career management. With over 25 years of experience as a strategic recruiting, human resources, and sales and marketing management leader in start-ups and Fortune 250 companies, he's well qualified to comment on what the hiring manager w... view article details

With the start of the New Year, employers will be finalizing their salary budgets for 2009. Many survey vendors collected, compiled and analyzed data regarding merit increases for 2009 and reported that merit budgets for 2009 were on track to remain consistent with previous years' averaging at around the 3.5% mark. As more economic turmoil surfaced toward year end, some organizations took a new look at merit budget plans for 2009 as we discussed in the article Pay Increases in 2009 May Disappoint Workers in our December 30th newsletter. Most employers are being cautious, pre... view article details

Switching fields may seem taboo, but it's quite doable, especially now when labor markets are tight. Almost half of the 164 employers who responded to our MONEY/Salary.com survey say they regularly target mid-career changers when recruiting. One reason: Switchers are dedicated to their move, with 32 percent saying they'll spend 'as long as it takes' to get the necessary certification and schooling.What are they looking for? Pay and advancement, sure, but also fulfillment and a sense that they can control their career paths.Steve Mullins, 44, already has a good job: He's a telecommunications en... view article details