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    Get Back to Work with the Best Deal

    Get Back to Work with the Best Deal
    I once received a letter from a woman who had just gotten a job offer. She had been unemployed for three months and wanted to know if she should accept the offer or try to negotiate for more. She felt the offer was low - less than she had been making at her last job - but was afraid that if ...
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    Eight Tips for Job Hunting During the Recession

    Eight Tips for Job Hunting During the Recession
    The global credit crisis and flat-lining domestic economy could make this one of the most challenging times to be looking for a job in recent history. According to the Bureau of Labor Statistics, the number of unemployed increased to 11,000, and the December 2008 unemployment rate hit 7.2 percent - the highest level in sixteen years. In the financial services industry ...
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    Look for Work in Troubled Times

    Look for Work in Troubled Times
    It's hard enough to job hunt in a thriving economy, but now, even the heartiest job seeker may be inclined to roll over and catch a few more z's rather than hit the streets. Don't quit looking before you start. Job hunting requires you to pull out all the stops and take the basics to a new level. You truly have ...
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    The Layoff Survival Guide

     The Layoff Survival Guide
    This article offers general information on legal and financial matters relating to employment. For specific information relating to your situation, please consult an attorney, financial planner or appropriate government agency. Now that you've lost your job, you need to hurry up and find a new one, right? Wrong. You've got to buck up and tie up loose ends with your ex-employer ...
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    Laid Off? Six Steps to Manage Your Finances

    Laid Off? Six Steps to Manage Your Finances
    No one is immune from layoffs. Whether you're 22 or 52, odds are that sooner or later you will find yourself, often through no fault of your own, out of work. So it makes sense to plan ahead. Most financial advisers suggest saving the equivalent of six months' salary to tide you over if you lose your job. You will probably ...
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    Your Job Search Expenses May Be Tax-Deductible

    Your Job Search Expenses May Be Tax-Deductible
    Did you spend substantial amounts of money looking for a new position last year? You may be able to succeed where Nelson Rockefeller failed and take a tax deduction for many of your job search-related costs. When New York Governor Rockefeller was appointed vice president in the '70s, he deducted expenses incurred in connection with his congressional confirmation hearings. Years later, ...
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    Unemployment Insurance and You

    Unemployment Insurance and You
    If you've just been laid off, your first questions probably involve unemployment insurance. How does it work? How much will you collect? Where do you sign up? The answers depend on where you live. Some unemployment insurance policies are set at the federal level, but states set most of the rules and run most of the programs, explains Rich Hobbie, executive ...
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    Bad Credit Can Spell Job Search Woes

    Bad Credit Can Spell Job Search Woes
    Is there something personal in your financial past that you'd rather not explain to a stranger -- say bad credit, bankruptcy or a proclivity for spending thousands of dollars on lingerie at Victoria's Secret? Then applying for a new job or going after a promotion could put you in a tricky spot, because an employer can easily find out about all ...
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    Meltdown 101: How Layoffs Affect Retirement Plans

    Meltdown 101: How Layoffs Affect Retirement Plans
    It's one of a heap of financial worries that come with a layoff: What happens to your company-sponsored retirement plan? The answer depends on how long you worked for the company, the amount you saved up and whether the money's in a 401(k) or a pension plan. For the most part, federal regulations protect retirement savings, even if a company goes ...
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    Five Habits of Millionaires

    Five Habits of Millionaires
    According to a study of college students at the Ernst & Young International Intern Leadership Conference in Orlando, Florida, 59 percent of these young leaders expect to be millionaires within their lifetime. What's more, 5 percent of them expect to hit the million-dollar mark while in their 20s. And the super-rich are a growing group. The top 0.1 percent of the ...
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    401(k)s: Employer Contributions Get the Ax

    401(k)s: Employer Contributions Get the Ax
    When times are tough, companies find cost savings wherever they can. Now some employers are doing away with the 401(k) match, a benefit once considered almost sacred. The list of companies that have suspended or cut back corporate matching in their defined-contribution retirement plans this year is not trivial. It includes General Motors (GM), Frontier Airlines (FRNTQ), car-rental company Dollar Thrifty ...
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    5 Big Bills You Can Cut Fast

    5 Big Bills You Can Cut Fast
    As the economy weakens and prices soar on everything from gas to groceries, Americans are looking for quick ways to cut their expenses and hold on to more cash. Fortunately there are plenty of ways to chop your spending without a lot of time or hassle. Some of these cuts will save you just a few dollars, while others can net ...
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    Five Ways to Cut Your Commuting Costs

    Five Ways to Cut Your Commuting Costs
    Ever wonder how much money you can save by cutting your commuting costs? How about enough to pay for two trips to Ireland plus several major home improvements? As chief of marketing for the Maryland Transit Administration, Buddy Alves set out to see how much money he and his wife could save on their commute from the Baltimore suburbs to their ...
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    The Layman's Financial Crisis Glossary

    The Layman's Financial Crisis Glossary
    The current financial crisis has thrown terminology from the business pages onto the front page of newspapers, with jargon now abounding everywhere from the water cooler to the back of a taxi. Here is a guide to many of the business terms currently cropping up regularly, as well as some of the more exotic words coined to describe some of ...
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    Make Major-League Financial Plays with Minor Hits

    Make Major-League Financial Plays with Minor Hits
    Baseball fans love to see what a big hitter might unleash at bat. Babe Ruth, the Great Bambino, won an astounding seven World Series rings with the Boston Red Sox and New York Yankees. He had a career slugging percentage of .690. The home-run race in 1998 between Mark McGwire and Sammy Sosa caught the attention of every kid with grass-stained ...
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    Should You Take Advice from Your 401k Provider?

    Should You Take Advice from Your 401k Provider?
    The Pension Protection Act, which both strengthens employers’ existing pension obligations and discourages them from undertaking new obligations, also makes a broader point to US workers: “The overall message of the bill is, you’re on your own,” says James Lange, a lawyer, CPA and author of Retire Secure. Even so, the 2006 law has also made it less daunting for workers ...
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    Fiscally Unfit

    Fiscally Unfit
    How well are America's workers prepared for financial uncertainties and for the eventuality of retirement? In their own estimation, millions of employees haven't found a secure path to a bright future, whether that future begins in a retirement 40 years from now or at the end of the month, when the bills come due. Those are the disturbing findings of a ...
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    Financial Doors Can Open for College Applicants that Plan Ahead

    Financial Doors Can Open for College Applicants that Plan Ahead
    Ripple effects of a dour economy are making this college application season as nerve-wracking for some admissions officers as it is for applicants. But for savvy families, there may be new opportunities. "A lot of schools are going to be concerned about meeting their requisite enrollment thresholds," says Barmak Nassirian of the American Association of College Registrars and Admissions Officers. "They ...
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    Defusing the Debt Bomb

    Defusing the Debt Bomb
    There's nothing like a little hard-won experience. Personal finance expert Lynnette Khalfani got out of $100,000 in credit-card debt in three years. Now the author of books like "Zero Debt: The Ultimate Guide to Financial Freedom," she writes and speaks about how others can follow her example. BusinessWeek's Ben Steverman recently spoke to Khalfani about the "bling-bling lifestyle" that leads young ...
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    Mortgages: What You Need to Know in 2009

    Mortgages:  What You Need to Know in 2009
    With all the doom and gloom over housing, you might be surprised to know that this is a fantastic time to get a mortgage. Not if you have poor credit, to be sure. But you can get a great deal on a 30-year, fixed-rate, conforming loan these days if you have a solid FICO score, a manageable debt burden, and proof ...

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