Sergio's World

The jobs with the biggest raises are not necessarily the jobs with the highest salaries.   Base pay   is a dollar amount, and raises are typically expressed as a percentage of it. According to popular jobs and recruiting site Glassdoor,   median   annual base pay in the U.S. grew 3.2%   year over year   in January 2017 to $51,360. With   inflation   at 2.5% over the same period, a 3.2% raise would more than keep up with increases in the   cost of living . That’s good news for the American worker. However, not all jobs saw a 3.2% raise. If you are in the market for a new position, knowing which occupations tend to have the biggest annual pay increases might be worthwhile information to have. For example, between January 2016 and January 2017 the median raise for physical therapists was 9.7%. That’s the biggest raise (by percentage) of all jobs tracked by Glassdoor. The median annual base pay for physical therapists as of January 2017 was $77,198. By contrast, physicians had a much h

Job transitions are a busy time filled with uncertainty and emotion, both for you and your family. Having personally gone through five transitions and advised a number of clients through theirs, here are some lessons learned. Take Time to Be Organized We often want to “hit the ground running” in a new job search and forget to focus on our personal financial decisions. Before making your move, take time to get organized. Create a list of all employer-related assets, loans, company stock and insurance policies. Print a copy of the employee handbook and any benefits statements since access to this information is often much easier as an active employee than it is after you leave. Take the time to identify key financial decisions and deadlines such as when to exercise   options , sell stock and submit   deferred compensation   elections. Check that your   beneficiary   elections and contact information are up to date. Understand Your Family’s Financial Flexibility Any transiti

For investors, the strength of a company's   balance sheet   can be evaluated by examining three broad categories of investment quality:   working capital   adequacy,   asset performance   and   capitalization structure . In this article, we'll start with a comprehensive look at how best to evaluate the investment quality of a company's working capital position. In simple terms, this entails measuring the   liquidity   and managerial efficiency related to a company's current position. The analytical tool employed to accomplish this task will be a company's   cash conversion cycle . Don't Be Misled by Faulty Analysis To start this discussion, let's first correct some commonly held, but erroneous, views on a company's current position, which simply consists of the relationship between its   current assets   and its   current liabilities . Working capital is the difference between these two broad categories of financial figures and is expressed as a

For stock investors that favor companies with good fundamentals, a "strong" balance sheet is an important consideration for investing in a company's stock. The strength of a company's balance sheet can be evaluated by three broad categories of investment-quality measurements:   working capital adequacy ;   asset performance ; and   capital structure . In this article, we'll look at evaluating balance sheet strength based on the composition of a company's capital structure. A company's capitalization (not to be confused with   market capitalization ) describes the composition of a company's permanent or long-term capital, which consists of a combination of debt and   equity . A healthy proportion of   equity capital , as opposed to debt capital, in a company's capital structure is an indication of financial fitness. Clarifying Capital Structure Related Terminology The equity part of the debt-equity relationship is the easiest to define. In