So many workers live paycheck to paycheck, and this has led to the proliferation of payday loans. Unfortunately, these high-interest loans are a terrible burden on workers.

A new startup called Immediate wants workers to be able to get access to their wages before payday if they have an immediate need such as an emergency bill. The difference is that Immediate will charge a small flat fee instead of a high-interest loan, providing an important service to workers.

If you listen to the financial press, as a beginner you might be tempted to think that making money is about investing in the right stocks, rapid trading, spending countless hours glued to your computer and obsessing about what is happening in the markets. In reality, the secret to boosting your funds in the stock market lies in owning and holding securities and benefiting from their increase in value.

Making Money from Stocks

The two possible ways to make money here is when an owned stock appreciates in value and if the company that owns the shares decides to issue dividends. When there is an appreciation of stocks, it means the people who want to buy it assume that a share is worth more than is paid for. Normally, this will happen when the company that issued you the stocks has improved earnings. Holding a stock that has already gone up in value is termed as an unrealised gain. Selling the stock during this time means you have finally locked in your gains.

A dividend, on the other hand, is when the company you buy stocks from gives a payout. Normally given after every three months, dividends offer you as the shareholder returns, no matter the state of the stock price. These are common in established companies and are not guaranteed, meaning the company can stop paying you at any time. Instead of spending the dividends each time they are paid to you, it is advisable to reinvest them.

Price Action

For you to make profits in stocks, the two strategies you can embrace are value investing and momentum trading. Value investing is about trading in stocks that have lower prices than their intrinsic value. As a value investor, you only buy stocks at a discount hoping they will grow to achieve their intrinsic value. Some investors do not look at the future growth but the current assets and growth. Others factor their strategies around the future growth estimation. Whatever the methodology, investors are advised to invest in less than what they think a stock is worth at the moment.

Value stocks normally have bargain prices since the companies are viewed as unfavourable. Because stocks are undervalued, it is easy to make profits. Momentum trading is about focusing on stocks that are moving in the same direction on high volume. Here, investors look for the acceleration of revenues and earnings of the stocks. They then take a short or a long position, hoping that momentum will continue in an upward direction. The time that they hold their position in the market depends on how fast the stocks move.

Seizing the Opportunity

It is important to analyse the market critically and grab the opportunity while it still lasts. Note that waiting too long is as dangerous as hastily getting into the stock market. Before purchasing a stock, review a company’s financials critically and make comparisons with its competitors. Once you a have a fall-back plan, it is time to invest. If a company’s stocks have low pricing, for instance, find out why.

How should you Buy Stocks?

Most investors use brokers to buy stocks. Brokers trade stocks on behalf of traders. They come in two variations, including discount and full-service. Discount brokers complete transactions for the trader at a reasonable price. Normally, they tend to charge less for every share in large trades. Full-service brokers manage a trader’s portfolio and offer advice. Today, there are multiple stocks to choose from. Looking at stocks in that form allows you to diversify. Size focuses on a company’s capitalisation, which is the amount that an investor thinks it is worth. Style focuses on growth and value. Growth stocks tend to have a higher potential in good times, and when growth slows down, they go low. Value stocks are steadier and slower and have strong fundamentals.

While it is possible to make huge amounts of money in the stock market, it is also very easy to lose if you are not clear on what you are after. Before taking action, research widely, apply patience and discipline, have a clear understanding of the market and give yourself time before swinging in. Be sure to invest in a business you understand. Before investing in any company, first know what kind of business it is involved in.

Before anybody can embark on the great dream of purchasing a home, they need to start saving for a deposit. While having a budget is definitely an important part of the process, having a solid savings and financial plan in place ensures that first homebuyers are able to not only reach their goals, but afford them for many years to come. Read on to find out how having a savings plan could help get you in your first home sooner.

Have Measurable Goals

It is important to have an understanding of what you’re trying to achieve. ‘Saving for a house’ is a very vague statement. To turn your budget into an actionable financial plan, you need to set yourself actual goals and milestones. ‘Save $20,000 in 12 months’ removes the ambiguity and gives you something to work towards. You can then set your smaller targets such as ‘Deposit $1,700 per month into the savings account’ to really drill down exactly how you’re going to achieve the overall goal.

Messages at work? No wonder Google is #1 on Fortune’s list of the 100 best companies to work for.

Rank: 1
Previous rank: 1
2011 revenue ($ millions): $37,905

What makes it so great?
The Internet juggernaut takes the Best Companies crown for the fourth time, and not just for the 100,000 hours of free massages it doled out in 2012. New this year are three wellness centers and a seven-acre sports complex, which includes a roller hockey rink; courts for basketball, bocce, and shuffle ball; and horseshoe pits.

Check out the rest of the list.

Should these benefits like messages be taxed? I don’t think so.

With the election over, it will be interesting to see how the equal pay debate that produced the infamous “binders full of women” phrase from Mitt Romney will evolve. There are all sorts of opinions on this issue regarding how to make things fair, but many argue that women have to take control of their own situations and learn how to advocate for their own salaries. Meanwhile, government has to enforce equal pay laws on the books.

Are you afraid to ask for a raise? That’s understandable in the current economic climate, but many employees have good arguments for a pay raise, and learning how to negotiate salary is very important for new employees and for employees looking for more compensation.

This article give some helpful tips, and the most important involves getting as much information as possible.

“You shouldn’t just pull a number out of a hat,” says Ofer Sharone, assistant professor of work and employment research at MIT’s Sloan School of Management. “Tell them what you’ve researched and explain why you’re worth more than the average person.” Pynchon agrees: Don’t make the discussion about what you want, but what you can provide. “Tell them, ‘I walk on water, and I can walk on water at your company too.’ ” It helps if you request a salary before they offer you one; the first number on the table influences the rest of the negotiation.

Be smart about this. You have to know about your situation, the realities as work and the nature of the market in your field. Good luck!

One of the themes we keep emphasizing has to do with the crippling costs of a college education today in America. Sure, college campuses are much nicer with all the new buildings and new technologies, but they are failing in their basic mission if students leave there with massive student debt that will hang over them for the rest of their lives.

More publications are doing good work discussing these problems. In Newsweek, Megan McArdle asks whether college is a lousy investment.

Why are we spending so much money on college?

And why are we so unhappy about it? We all seem to agree that a college education is wonderful, and yet strangely we worry when we see families investing so much in this supposedly essential good. Maybe it’s time to ask a question that seems almost sacrilegious: is all this investment in college education really worth it?

The answer, I fear, is that it’s not. For an increasing number of kids, the extra time and money spent pursuing a college diploma will leave them worse off than they were before they set foot on campus.

Given the costs, it’s hard to argue with her on this point. She discusses how college was critical for many families in building a better life for the next generation. But sitting on an English degree with $150,000 of debt seems like a pretty bad deal.

That said, we can’t overreact to the current economic conditions. When the economy improves, more of these kids will get jobs with their degrees.

Yet something has to give, and it was very encouraging to hear President Obama challenge colleges to slow down tuition inflation.

Also, the future of free college courses looms on the horizon. Universities would be wise to start figuring out how to lower costs, or they might really have a problem in the future.

Here are some interesting tips on how to gain maximum leverage in negotiating your salary when you are making a lateral move:

If you’re about to make a lateral move, you should list and monetize everything your employer has to pay for in order to secure your services. You may not have stock options, but you probably get a yearly bonus, vacation time, medical and dental benefits, life and disability insurance, free or low-cost parking, continuing education, professional fees and dues, subscriptions to professional journals, and the like.

To escape the strong anchor of your current salary, estimate how much each of those benefits would cost if you had to obtain them in the local market. The final number you calculate will be your “total compensation package.” That is the figure to use when your prospective employer asks you what you’re making now. And the term to use is “my total compensation package” or simply “my compensation.”

When you’re asking for more money than you’re currently making, you’ll also want to take a look at what you’re leaving behind. You might, for example, be giving up retirement benefits that haven’t yet vested, earned vacation, or a year-end performance bonus. You’ll want to ask your new employer to compensate you for the benefits you’ll be leaving at your old firm by making the transition to your new one. In Mayer’s case, that accounted for $14 million of her total compensation.

Read more about using that power and information to your advantage.

If you’re interested in an industry that’s rewarding, fun, and has an excellent job outlook, consider animal training. Employment in this career field is expected to grow 20 percent for the 2008-2018 decade, which is much faster than the average for all career fields. Not only this, but this is one of the top fields for individuals interested in freelancing or running their own business. Around 54 percent of animal trainers are self-employed.

So what do you have to do to become an animal trainer? Besides having a love for animals, according to the Bureau of Labor Statistics, you’ll need a high school diploma or GED equivalent for some jobs, and a bachelor’s degree for others. For example, if you’re interested in becoming a marine mammal trainer, a bachelor’s degree in marine biology, animal science, animal psychology, or biology may be required. Some jobs may also require an animal health technician degree.

Education plays an important role in how much you will earn as well as experience and certification. For example, dog trainers with certification by a professional association or a private vocational or state-approved trade school have the most opportunities and earn the highest salaries in this sector. The Bureau reports that overall, animal trainers earn an average salary of $27,270 per year. The middle 50 percent earned between $19,880 and $38,280 and the lowest 10 percent earned less than $16,700. The top 10 percent earned more than $51,400.

To find out information about animal training and certification, visit the Certification Council for Professional Dog Trainers (CCPDT) at www.ccpdt.org or the Bureau of Labor Statistics at www.bls.gov.

One of the best ways to increase your marketability in tough economic times is to earn a degree. It’s true that a degree is not a guarantee that you will get the job you want and in the timeframe you want, but it is a fact that the unemployment rates for individuals without an education or less education are astronomical compared to unemployment rates for individuals with a degree—especially an advanced degree. As of February 2010, the unemployment rate for individuals with less than a high school diploma was 14.9 percent. For individuals with a high school diploma, the unemployment rate was 10.3 percent. The unemployment rate for individuals with some college, but no degree was 9.2 percent. The unemployment rate for:

• -Associate degree holders is 7 percent
• -Bachelor’s degree holders is 5.4 percent
• -Master’s degree holder’s is 4 percent
• -Professional degree holder’s is 2.4 percent
• -Doctoral degree holder’s is 1.9 percent

These figures combined and averaged bought the overall unemployment rate to 8.2 percent in 2010, according the Bureau of Labor Statistics. Not only does education protect you from unemployment, to a certain extent, it can also keep you out of the low-income bracket. Individuals with a degree earn double (and in some cases triple) the amount per week that  less educated workers do.  

The bottom line is—education pays, especially in a tough economy where competition is intense and employer’s are in a position to demand more from potential employees. As a result, adults are making the decision to return to school to earn an advanced degree, while others are enrolling in a variety of certificate programs, online degree programs, and more. Hundreds of colleges and universities have reported an increase in graduate school enrollment ranging from 7 to 15 percent, while online undergraduate degree programs have seen a significant increase over the past several years. Some colleges and universities report a 2.3 percent increase in undergraduate online enrollment while others report more than a 10 percent increase. 

The reasons for the increase in enrollment in graduate programs and online undergraduate degree programs go beyond America’s current economic crisis. Graduate programs have actually become more accessible through online offerings and international enrollment is up, which helps boost percentages.

The availability of graduate programs online appeals to many full-time working professionals that may also have major obligations at home. The same is true for online undergraduate programs. Overall, these online programs are also a way to conserve and save money. They’re just more affordable, as they eliminate the need to commute and spend.

About Online Undergraduate and Graduate Degree Programs

Most online undergraduate degree programs are an extension of an existing program at a brick and mortar college or university. Online graduate programs, especially MBA’s, are offered in abundance through most accredited colleges and universities. Although online degree programs have the same curricula and requirements as brick and mortar programs, in many cases (and contrary to popular belief) online degree programs are much more difficult.

To successfully complete an online program you must be at least somewhat computer savvy, mainly because you have to master the system you will be using in order to attend lectures, chat, submit papers, post to discussion areas, and more. Programs such as Blackboard and SOAR are common platforms. In addition, you must be extremely disciplined, organized, and focused. It’s a lot tougher when you don’t see your professor or interact with other students several times a week.

It’s up to the student to check in, read through all materials, jot down due dates, post to discussion boards, and contact the instructor if there are any issues. There is absolutely no hand holding in an online environment, but the good news is, in addition to earning an advanced degree, your organizational and problem-solving skills will soar.

Before you enroll in an online degree program, check to make sure the school is accredited. This means that the U.S. Department of Education must recognize the schools accreditation. You can check your school’s accreditation status by accessing the U.S. Department of Education Database of Accredited Postsecondary Institutions and Programs.

About Accreditation

Accreditation is a validation process by which institutions of higher education are evaluated against established standards to ensure a high level of educational quality. Accreditation is accomplished through a peer-review process in which faculty from accredited institutions help to conduct evaluations of either new non-accredited institutions or accredited institutions seeking renewal. The standards used to conduct these evaluations may vary but in general they assess the institution’s mission, goals and objectives, resources and resource allocation, student admission requirements, student support services, and the quality of the faculty and educational offerings.