Looking for that golden ticket to financial freedom? Multi-level marketing (MLM) companies want you to believe that a) there is such a thing and b) they are it.
How can you make a budget when you are never sure how money will be coming in? It's a dilemma that many entrepreneurs, artists, and commission-only salespeople face. If doing the work you love to do is important to you, here are four things you can do to manage an unsteady source of income:
Job loss ranks as one of the top stressful events we encounter during our lives, right up there with a death in the family, a serious illness, and divorce. It not only can crush you emotionally and wreak havoc with your self-esteem, it can devastate you financially, especially when you're unprepared...and let's face it, most of us are caught short when we're handed a pink slip. The financial impact of job loss is probably the toughest challenge to face during this time, so it's critical to develop a plan that reduces as much financial stress as possible. Here are nine steps to take when you're facing unexpected unemployment:
Is your office kitchen area a savory or sour spot? Do smells emanating from the fridge or microwave turn your stomach? Do you constantly find some of your items missing, or have to deal with crumbs and dirty dishes that weren’t yours?
Are you hesitant to offer financial education as part of your wellness programs or employee benefits? You aren’t alone. Many of the employers and HR professionals I talk to are aware of the benefits of providing financial literacy support to their workers, but they are also mindful of the challenges.
Before the year's end, millions of Americans will be asked to make important decisions about their benefits packages, including healthcare benefits. Open Enrollment — also called Open Season and Annual Enrollment — is a period of time, often starting in November and ending in December, where employees can make changes to their healthcare benefits at will. (Open Season this year for federal employees runs from November 1 through December 15; it's one of the shorter seasons on record.) Once Open Enrollment ends, that's it: you're locked into the benefits you have ... or don't have. The exception to this rule is if you experience a "life event," such as a birth, death, marriage, or a job loss.
You’re a great employee. You work hard, and have been performing better than average at your job. You get positive input from your co-workers and your manager. But the bottom line is that you’re not getting paid what you know you are worth. How do you go about asking your boss for the raise that you deserve? Below are 5 tips on how to ask your boss for a raise – and raise the chances of you actually getting it.
What would you do with $300 billion dollars?
American businesses might want to ask themselves the same question. That astounding figure is the amount that businesses lose every year because of their employees’ stress levels, according to the World Health Organization, and money is a primary source of that stress.
More than three out of four Americans (76%) cite money and work as their major sources of stress, according to a 2013 report by the American Psychological Association and American Institute of Stress.
Congratulations, you’ve landed a new position, or maybe are planning on working for yourself. To keep your finances secure, take care of a few housekeeping tasks before you leave your old job. Most of these issues should be familiar territory for management, and it’s important that they become familiar to you as the employee.
After giving notice, discuss these issues with the human resources representative, a manager or other knowledgeable designee: