Thursday, February 26, 2015

Enterprises TV Shares Advice about Taking a Loan

Read the fine print before signing a loan contract

Loans are a part of life almost everyone has to deal with at some point.  Whether it is for a new car, a college education or for a credit card, loans are a mainstay. Enterprises TV shares some advice about taking a loan.

One of the most imperative parts of any loan contract is the fine print. Many prospective loan takers skip over this part of the contract and sign paperwork quickly. But by doing that, they are setting themselves up for grief later on. The fine print can contain language for balloon payments and changes in interest rates. Don’t get caught with a higher payment. Take all the time needed to read every page and all the fine print on a loan document. If it seems that a salesperson or other representative is rushing for a signature, that’s a good sign to slow down and read everything.

Always keep in mind the long term effects of a loan. Vehicle loans can affect a household budget for up to five years. Even shorter term loans can make a dent in personal finances for a year or more. Before signing on the dotted line, take a hard look at the household budget to be sure it can handle the loan payment.

The Enterprises TV show also learns that some people take out loans for frivolous things such as plastic surgery, a big date with a very special someone and for other reasons. But what the loan takers don’t consider with these “emotional” loans is that they will be making a payment every month for a year or more to get what they want. Always be mindful of how long a loan, of any kind, will affect home finances before signing the contract. 

Monday, February 23, 2015

The Enterprises TV Show and Finding the Best Financial Advisor

One of the most challenging tasks we can give ourselves is to find a financial adviser to help us grow income for retirement. The Enterprises TV show offers a few suggestions for finding one we can trust.

Many times, a financial adviser has our best interests in mind. But there are some who would rather hike their own income than yours. Back door payments and hidden fees of some annual returns hurt the people who are working hard to have a decent retirement.  Current guidelines state that financial advisers must invest with the best interest of their clients. These are people with “fiduciary duty”. Those without that moniker can advice about investments they think are most “suitable” for the client, even if the most “suitable” option is one that benefits the financial adviser better.

The Enterprises TV show also suggests asking trusted friends and family members for a recommendation. Visit several financial advisers and take a list of questions to ask. Ask to see any accreditation certificates or any other form of passing the needed courses to become a financial adviser. Trust your gut instinct. If something doesn’t seem right about the professional or their company, do not begin to work with them. Keep looking until you are sure a financial adviser is the best match and fit for you and you needs. 

Friday, February 20, 2015

Enterprises TV on How to Prioritize Your Workload

People who claim their work days are so busy they cannot finish one task fail to prioritize their workload. Enterprises TV offers suggestions about how to do this.

There are people who feel that every task that hits their desk is a crisis or urgent matter to be dealt with immediately. These are the people who fail to finish any task.  They want to look dedicated, hard-working and diligent, but instead are seen as scattered. The true mark of a hard-working person is one that starts a task and completes it before starting another. Projects started and then handed off to someone else to finish are not appreciated.  Everyone has their own workload to manage during the day and the added work makes getting needed tasks done harder. The Enterprises TV show offers some tips on how to manage daily workloads for people who are too busy:

  • Start one task and finish it before starting another.
  • Divide the day into workable time spans and tasks. 
  • Make a list of each step in a project to determine how long it will take to complete.
  • Check each completed task when done.
  • Don’t take on more than you can handle.

Granted, some work days will have heavier loads than others, and some will be lighter. With some light planning and list making, everything will get done without having to pass incomplete projects onto someone else to finish.

Monday, February 16, 2015

The Enterprises TV Show and Basic Rights for Workers

American employees have some basic rights in the workplace which are protected by federal law. The Enterprises TV show shares information about what they are.

Workers cannot be discriminated against on the basis of race, religion, sex or national origin. Nor can they be discriminated against on age, pregnancy and disability, and cannot be sexually harassed on the job.

The National Labor Relations Act allows employees to discuss wages, salaries and work conditions without reprisal from management.

Workplace safety is a right federally mandated by the Occupational Safety and Health Act. It regulates workplace factors such as airborne pathogens, illnesses, workplace injuries and more. Workers have a right to be safe on the job no matter what the jobs entails.

Employees have the right to be paid overtime if they are categorized as non-exempt and work more than 40 hours per week. Enterprises TV points out that this job categorization is not determined by the employer. It is determined by government guidelines and the kind of work one does. This is also a very strict law. Employers have to pay overtime if the worker is non-exempt and cannot over comp time for it.

Workers have the right to be paid promptly. Each state regulates how many days a worker must be paid after work is done. This means that if business is slow, the employer cannot withhold pay until it gets better.

Finally, whistle blower laws protect employees who report any of violations of the workplace rights above. An employee cannot be fired, demoted, harassed or be given a worse work assignment as retribution for reporting a workplace violation. Even if an investigation finds the complaint baseless, the employee is still protected.

Isn’t it good to live and work in the USA?

Friday, February 13, 2015

The Enterprises TV Show Reveals Employee Data Must Be Kept Confidential

The recent news of former Florida Governor Jeb Bush releasing more than 12,000 emails with names, birthdates and Social Security numbers on a public website is a warning to every business of any size about protecting personal data. The Enterprises TV show reveals why all company information must be kept confidential.

Businesses store the personal and financial data of their current and former employees. This includes the above data as well as banking data for payroll records. While many American companies outsource human resource and payroll functions, it is the responsibility of the both the business and the third party vendor to keep this data secure.  Any accidental release of personal and financial data puts both parties at risk for lawsuits.  The warning also is aimed at insurance brokerage firms and company-paid insurance programs.

The Pew Research Center reports that 90 percent of Americans consider their Social Security numbers “very sensitive” information.  And half of those responded that health care information was just as sensitive. The Enterprises TV show encourages businesses to schedule a meeting with all outside vendors to ensure all employee records are safeguarded. Ask for proof that the vendor keeps secure files such as who has access to databases where the data is stored.  Require vendors to show documentation that the strongest methods of data security are taken such as invoices from Information Technology companies working with them.  The liability issues for both companies and vendors are obvious if and when a breach occurs. Prevent it from happening in the first place.

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Monday, February 9, 2015

The Enterprises TV Show Offers Another View on Retiring Early

There are some days (maybe even weeks) when the thought of retiring early sounds great. Workers in their early to late 50s may be tinkering with the idea of stopping work soon. While many financial planners urge their clients to keep working until there is enough money is saved, there are some valid reasons to retire from a long career, which the Enterprises TVshow explains.

Middle-aged employees are let go from their jobs for any number of reasons. This can be seen as a blessing in disguise. Early retirement can be beneficial to someone who is discharged from their job.  Reduced work hours and work from home jobs are perfect for someone who is close to retirement age and finds them selves suddenly out of work.

Workers find they need to leave the work force early to care for very elderly parents. This is another common scenario for many Boomers. Retiring early may be needed in order to fully step in and care for older parents. Some employers will allow these staff members to work reduced hours and off-site. This can be a nice break. It gives the worker as caretaker a break from daily stress and adds some extra income to the household budget.

The Enterprises TV show understands there are perfectly valid reasons why some workers take early retirement.  Why not make a plan – both for dreams and finances – and determine how soon you can retirement from full-time work?

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Friday, February 6, 2015

The Enterprises TV Show Examines the State of Job Loyalty

Job loyalty is a concept that seems to be going away these days.  A recent survey found that the strengthening economy is emboldening employees to seek better jobs which pay better. The Enterprises TV show examines the state of job loyalty in the workforce today.

The Jobvite survey found that 45% of workers are ready to leave their current jobs even if they are happy in them. As more jobs are being advertised, people are seeking job which pay better. Two-thirds of those who answered the survey said money was the main factor in leaving a current job for a new one.  Thanks to mobile apps and the ability to apply for a job at any time and place, workers are applying for new positions on the job, during daily commutes and even in business meetings.  Video chat apps such as Skype are also making interviews with prospective new employers easier to obtain.

As the economy improves and more open positions are being posted, workers are relocating where the jobs are.  The top five cities to look for a new job are:

Provo-Orem, Utah
Houston - The Woodlands - Sugar Land, Texas
Raleigh, North Carolina
Salt Lake City, Utah
Fayetteville-Springdale-Rogers, Arkansas-Missouri

Where does this leave America’s current employers? Enterprises TV suggests offering a pay raise to those who work hard, are loyal and get the job done on a daily basis.  Throw in some perks to sweeten the pot such as flexible hours, work from home days and bonuses when certain goals are reached. Today’s employees are always looking for something better. Job loyalty might be concept from the past.

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