An important new study released this morning by Travel Effect found that 40 percent of American workers will leave paid vacation days unused. The four reasons cited the most are the dread of returning from a vacation to piles of work (40 percent), the belief that no one will be able to step in and do their job for them while they're gone (35 percent), not being able to afford it (33 percent) and the fear of being seen as replaceable (22 percent). "Americans suffer from a work martyr complex," said Roger Dow, President and CEO of the U.S. Travel Association. "In part, it's because 'busyness' is something we wear as a badge of honor." Clearly, we need to work harder about working smarter -- by not working all the time. The "work martyr" complex needs to go the way of the Dictaphone, typewriter and green eyeshades as relics of the workplace of the past (okay, I like typewriters, but you get the idea).
Your credit score impacts a lot in your life, from buying a car to buying a house and even, sometimes, to getting a job. (Believe it or not, some employers check your credit report.) You owe it to yourself to know exactly what your credit score is, and how you can go about making it better.
If you want to have more money to do stuff with, then setting up a savings account at a credit union is one powerful way to do so. Whether you want to save more as an individual or as a family there is no shortage of information touting the benefits.
Many people do live paycheck-to-paycheck--not because they're flat-out broke, but because they've wisely allocated their income into all the necessary buckets.
From my point in life I think that's a lot like everyone lining up to smack themselves in the face with a bat because they never saw the outcome of others doing that. People in debt suffer in silence but seem condemned to learn all the same lessons all over for the first time.
Later this year, at the age of 32, I plan to quit my full-time job as a software developer and don't intend to look for another one. By then, I expect my portfolio will be large enough to fund my essential expenses for at least the next 30 years, if not indefinitely, so that getting another 9-to-5 job becomes an option rather than a necessity.
If you're scratching your head wondering exactly what it means, you're not alone.
Deciphering your credit score can be difficult, especially if you don't know all the ways you can be hurting it. Your credit is not only attached to your credit card use, but with many everyday financial activities.
My name is Meghan and I live in North Carolina. I come from a middle class family. I have a college degree. I am 27 years old and I work in a grocery store. This has turned out to be a very confusing concept for some people.
The idea is to build on the orders Obama already issued, earlier this year, to raise the minimum wage for contractors and to prohibit discrimination based on sexual orientation. The workers appreciate those measures, for sure, but they want more.
Have you ever thought of how an excellent credit score may impact your life? It's no secret that there are a number of benefits to having a high score. Simply put, it can affect many of your current and future financial decisions. Here are a few things that excellent credit scores can do for you.
This might sound like the worst idea, but sometimes putting some wedding costs on a credit card can actually make good financial sense. You just need to be careful with how you use it.
Trying to save more, but not sure how? Employer savings plans are a great way to add to your retirement fund or savings goals. If your employer offers one and you're not taking advantage of it, you should be.
People don't tend to feel warm and fuzzy about their bankers, in part because bankers have a nasty habit of doing things to alienate their customers. At their worst, bankers can almost live up to the evil embodied in the most twisted characters in movie history.
The marketplace for credit cards is more complicated than ever. Points programs, cash back plans and variable interest rates all have consumers drowning in the fine print, trying to make some sense of what they're applying for.
So there are more jobs. But they're paying less. I'd frankly rather pay my existing people a little more to get things done in order to avoid hiring a new person at a higher wage. This is why new jobs added since the recession are not paying well.