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The Financial Fairy Tales Blog - Helping Children Learn About Money, Enterprise and The Business of Life The Financial Fairy Tales Blog

The Importance Of Having Childhood Values In Business

From a young age, we are told about the importance of values such as kindness, compassion, and generosity, and this should be no different in business. Teaching children to make good financial decisions alongside being valuable citizens is something that will benefit them and those around them. Unfortunately, there are far too many organizations and businesses putting profit before the well-being of people such as their employees. This is something that we need to move away from, particularly since this will not benefit the long-term health of your business. There are many reasons why you should take care of your employees, principally, because of the very same reasons we were told to care for others as children, but also because a happy employee means a productive and engaged employee.

Workers who engage with their job are more likely to want to stay with their employer and not move to another company, as well as being more likely to perform well. This is because productivity is closely associated with job satisfaction which means that workers who feel valued will have a motivation to do well. The overall reputation of your business will increase if you show yourself to be a company that looks after your workers, and this will encourage people to seek employment within your organization

The key ways to ensure the happiness of your workers, and increase the levels of overall job satisfaction are not complicated. Included below are several straightforward ways in which you can look after the wellbeing of your employees as well as the overall health of your company.

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Pay decent wages

More than any other factor, the amount you pay your employees will directly affect their desire and motivation to work for your company.  Paying a fair, and competitive salary will ensure you lower your staff turnaround, and allow you to keep on quality members of your team who might otherwise go to a competitor who pays a better wage than you. Paying a minimum wage is not the same as a decent wage or even a living wage, and so paying a competitive salary to your workers will be more beneficial for the growth of your company in the long run.

Healthcare

Having a generous sick leave policy and not penalizing your employees who take sick leave, will increase the productivity of your business, as nothing wipes out an office like a round of flu.  In places of work such as offices, germs and illnesses will spread quickly, and you could see half of your workforce knocked out by one employee who decided to come to work. Many workers are reluctant to take sick leave as they feel that they may get penalized for this and will come in even though they are still contagious or not well enough to do their job properly. This is where you need to step in and ensure that your workers feel supported in their decision to stay at home, even if this means working remotely until they feel able to come into the office. Regarding ensuring that your workers are covered for health problems or work-related illnesses and accidents it is important to provide insurance and compensation to cover both their back and yours as well. It is worth investing in a workers compensation lawyer to help you deal with your workers’ compensation claims and make sure that this is handled as efficiently and as professionally as possible.

Create a fun work environment

Creating an enjoyable work environment doesn’t mean that you have to be less professional. It simply means that you provide your employees with certain activities or perks that will increase their overall satisfaction. Some ideas for this include having a designated games room which people can choose to frequent during their break or might include fun snacks and drinks that your employees can freely take throughout the day. Another idea to boost performance is through fun motivational activities; this might be a regular icebreaker each day or a day set aside for team building activities. Many companies are choosing to include casual Fridays, into the working week as a low-cost and easy way to make their employees feel comfortable at work.

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Childcare

A flexible approach to childcare, where your employees can work their children’s needs alongside their work schedule will be appreciated by your employees.  More companies than ever are including on-site daycare options for the children of their employees which save the time spent commuting to other child-care facilities and instead of cutting their work day short, allows parents to spend more time at the office.

Encourage a healthy work-life balance

Professional burnout can occur when a worker is stressed or overworked and can manifest itself in various forms, such as a loss of motivation and productivity and in extreme cases in a nervous breakdown. Avoid employee burnout by encouraging a healthy balance between the hours spent at the office and the downtime of your employees. This can be as simple as having a policy where employees must have a decent lunch break or cannot stay at work past a certain hour.  To avoid certain triggers of stress or anxiety make sure that you provide clear, realistic expectations for your employees to meet.

Have an employee of the month

Having a company employee of the month is a simple way to show your workers that they are valued and that you notice individuals within your organizations. Don’t just make this about who is the most productive or who has made the most sales for example, but make factors such as acts of kindness or generosity an equally important reason for becoming the employee of the month. For example, someone may have covered someone else’s shift or helped another colleague with a project in their own time. Consider providing rewards such as allowing the employee of the month to choose half a day off work that week, vouchers or even a small bonus. Creating small incentives such as this, will increase production and create a sense of unity within a company where the individual is just as important as the whole.

7 Things To Think About Before Becoming An Entrepreneur

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Starting a business is one of the most ginormous commitments anyone can ever hope to take on. Yes, it is worth it because not only is it exciting and rewarding, it is also yours. However, to prevent you from starting off on the wrong foot and then struggling to get into your stride thereafter, we have come up with a list of essential advice you should know about and carefully consider before you start your business.

  1. Research Is Key

Research everything you can and remember that there is no such thing as too much research. Research the competition, the marketplace, the technology, the marketing approaches, the economy, governmental policies, gaps in the markets and emerging trends. As an entrepreneur the more you can do the better.

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  1. Organisation Wins

There are so many variables, so many different aspects and challenges and things to do that it is absolutely crucial you get as organized as you can from the get go. Great ideas are great, so is passion and research, but without being organized, you will struggle. This also includes having a plan and sticking to it.

  1. Passion Helps

It isn’t the be all, but having a passion for what you do is what will help you get through the rough and, yes, there are going to be rough times. Things will go wrong, you hope will start to fade and you’ll ask yourself why you are doing this. Be able to answer that question.

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  1. Seek Help

Starting a business is not something you can do alone. Okay, it is, but you shouldn’t. There are too many plates to spin. That and the fact you aren’t an expert at everything, whether it be accountancy, finding and keeping your best staff or whatever. So find help. It’ll be the best thing you do.

  1. Know The Legalities

Never ever start a business without getting legal advice first. Too many people think that legal advice is there to help us when we get into trouble, but it isn’t. As Bovill Risk & Insurance Consultants will tell you, legal advice is there to prevent us from getting derailed legally. Knowing what professional indemnity insurance you need is key, having the right insurance to protect your employees is vital, and your board members. Legal advice helps long-term success.

  1. Better Credit Rating

Nothing is going to impact on your credit rating as much as starting a business will, that is why it is so important for you to do everything you can to improve it. Starting a debt will likely mean you get into debt and all sorts, and you’ll likely need to borrow money. Quite simply, your personal choices can have professional consequences because the better your credit rating the more you will be allowed to play with.

  1. Understand Your Audience

Knowing your audience and really getting under their skin is going to have a huge impact on your road to success. As such, do all you can to better understand them. Survey your demographic, find out their likes and dislikes, their spending habits, their hates and their wants. If you know what they are like as consumers, you can tailor your marketing and development toward them.

What Can Make Buy-To-Let So Difficult?

If you are looking for a secure way to make some decent profit in the long run, then buy-to-let is often a good way to go. However, nothing is certain, and that applies to this as well as anything else. Although buy-to-let can be extremely lucrative when done right (and in good circumstances) it is also true that there are many things which can often make it a difficult process. They could be other financial concerns, problems with tenants, issues about being a landlord, or any other little niggles that could get in the way. In this post, we are going to take a look at some of the major things that can often make buy-to-let difficult to succeed in. Knowing these will help to prepare you and to help make the most of it, so it is worth a look.

What Can Make Buy-To-Let So Difficult? - houses image

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A Lack Of Professional Knowledge

The whole process of buying a property to rent out to make money is more complex than many people think. If there is one thing that tends to slip people up, it is not having all the necessary knowledge before they set out. If you want your buy-to-let mission to go as smoothly as possible, then you will definitely benefit from knowing everything that you possibly can before you even start looking into it. It might be that you need to carry out a lot of personal research in order to get the ball rolling here, but even that might not be enough. You might decide that getting the help of a professional is the way to go, and it very often is. Find yourself a real estate agent and take their advice on what you should do. They know the marketplace and the procedure better than you, and it is likely that they will be able to help you more than you might think.

A Crashing Market

All markets are volatile by their very nature. Any kind of investment you ever make is something of a gamble, even if some investments are more of a sure thing than others. The housing market is relatively safe in most places, but this doesn’t mean that it is a sure thing. There will always be crashes, as there are in every market in the world, and it is likely that you will need to try and navigate these water as well as you can. The best thing is to simply keep an eye on the marketplace, especially before you plan to make your move. The closer you are paying attention to it, the less likely it is that you will get your fingers burned, and the more likely you will make as much from it as you can.

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Poor Credit

If you have poor credit, you might find it difficult to see the whole process through to the end. Many people have poor credit, and it can come about easier than you might think. Fortunately, there are ways of dealing with this situation, and it is not as difficult to do as you might think. If you have particularly bad credit, you should try to find ways to improve it as much as possible. Such methods do exist, and although they are quite slow to come to fruition, it is worth doing. You can also use other means to get around the fact that you have poor credit. If you use a service like Improve Finance, you can borrow money against the home through a secured loan, even if you have bad credit. This means you will then have the necessary funds for any fix-ups that might need doing, or if you are planning to renovate before renting the property out. There is always a way to get what you want, and as long as you remember that you should find that you end up with the kind of financial situation you’re hoping for.

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No Target Tenant

If you want to make a success of this buy-to-let scheme, you will need to ensure that you can actually get your hands on a tenant. Without a tenant there is no profit, so this is essential. But a surprising amount of landlords do actually struggle to find tenants, or to keep hold of them for very long. The first thing you will need to think about is whether you are advertising your property in such a way for it to be attractive to potential tenants. In order to do that, you will find it helpful to think of a target tenant whom you can market towards. You can think of this example simply by taking the core demographics of the local area and thinking about what kind of person is likely to go for your property. Then you can renovate it according to their likely tastes, and this will make it much more likely that you find a tenant who wants to hang around for a decent amount of time. You should of course also ensure that you have tenancy agreements lasting at least twelve months, so that you can feel relatively secure for the following year at least. If you think of it in terms of basically having guaranteed rental income for a year, you will understand the value of doing so.

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Bad State Of Repair

One thing you absolutely must avoid is letting your property to fall into disrepair. If this happens, it can be much more difficult to get it back to a normal state, so it is better to just avoid it happening altogether. While it is on the market, make sure that you clean it regularly so that it doesn’t build up. You should also go around the property and ensure that there is nothing that needs fixing which hasn’t been fixed. If there is, that might be all it takes to stop it gaining interest from potential tenants, so you don’t want to take that risk. Keep the home in good repair, and you will be much more delighted at the results that you see.

How Your Personal Actions Can Have Professional Consequences

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As a person, you can often feel like you’re running a few different lives. You have your personal life, your work life, your family life, and your social life, as well as the lives that any other parts of your personality can add. It can be exhausting. But, more often than not, you’ll find an overlap across all of your lives, even if you try to keep them separate. So, it’s worth making sure that you conduct yourself well in all of them. Because sometimes, you can discover that what you do in your spare time can affect your career, and it’s not always in a good way.

Your Attitude

Firstly, there’s your attitude. They saying ‘treat others how you wish to be treated’ exists for a reason. When you’re rude to people, it can often come back to bite you, whether you realize it or not. It can even affect your career progression, interviews, or even your employer’s business. So be kind and humble, always. Otherwise, you may find that you come across people in business that you have been rude to in other areas of life. And we all know how that will pan out.

Your Hobbies

Although some things can have negative consequences in your professional life, you’ll also find that others can have a positive influence. When you have hobbies that develop your skills and even have the potential to earn your money, you may find that they boost your career prospects by a significant amount. Even if this wasn’t your original intention, if you’re trying to make a difference in a good way, your interests and side hustles can definitely help.

Illegal Activities

Whether you meant to or not, you can sometimes find yourself caught up in illegal activities. If you head out for drinks and attempt to drive home, thinking that you’re under the limit, you could be taking a big risk. You may even need to get yourself an attorney for driving after drinks, which could then get back to your company and jeopardize your career. Even if you think it’s unfair, if you conduct yourself in a negative manner, will always come back to haunt you.

Your Views

It may seem unfair, and in some ways it is, but sometimes your views and opinions can hinder you in the professional worlds. Yes, you are entitled to your own beliefs, but when they are negative, extreme, or derogative in a political or economic manner, it can put a sour taste in your employer’s, colleagues, or customers mouths.

Online Profiles

Most people have some form of online presence. But, did you know that yours has the potential to make or break your career? If you conduct yourself poorly online, your employers may often find out, and it could harm your prospects. However, in a more positive light, if you’re doing things to improve your career, prospects, and employability yourself, you could be making waves in your professional world and harnessing your own future.

How To Remain Financially Stable When You’re Put Out Of Work

At some point in your life, you may get put out of work for a while. It could be as the result of an injury that prevents you from working for a period, or you may have lost your current job. Either way, you need to know how to remain financially stable when you aren’t working.

So, here are three tips to help you out:

How To Remain Financially Stable When You're Put Out Of Work - no money image

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Reduce Your Expenditure

When you’re not working, you may not have the same steady income as you’re used to. Sure, you may only be temporarily out of work and receiving sick pay, but that still means you should be careful. Specifically, be careful with how much you spend. Start reducing your expenditure and saving as much money as possible. This is especially important for anyone that’s been let go or left their job and don’t actually have an income anymore. You’re relying on your savings to get by and can’t afford to spend like mad. This may mean you need to cancel a few subscriptions and stop buying food you’d usually buy. You have to be more vigilant with what you spend your money on, at least until you find another job and get some more money in.

Take Legal Action

There are many cases where you may be put out of work and can benefit from legal action. You might have had an accident in the workplace that causes you to get injured and spend some time away from work. If this happens, your employer might only pay you sick pay for a certain time, and they may not pay your wages in full. So, by seeking legal action with a personal injury lawyer, you can make a claim and try to get some money to help you while you’re out. Likewise, if you’ve been wrongly fired, you can seek legal action to get compensation from your employer which can help provide you with money as a buffer while you look for a new job.

Get Unemployment Benefits

If you’ve been put out of work and you’re trying to find a new job, you can claim unemployment benefits to help tide you over. What this means is that the government can pay you up to around $450 a week while you search for a new job. You have to go down to your state unemployment insurance office to apply, and they’ll give you all the forms to fill in. It’s important to note that this is a temporary measure, and you can’t just abuse it and stay on these benefits for as long as possible. You’ll need to attend regular meetings and provide evidence that you’re looking for jobs or else they’ll cut your benefits completely. It is well worth getting these benefits as they’re there for a reason. If you have no income, it can help you be more financially stable and pay your bills, etc. You don’t have such a strong reliance on your savings, and you can keep your finances in shape while you look for a new job.

With these three tips, you can remain in control of your finances even when you don’t have any income from a permanent job.