Month : August 2017

Employment

Broadening your Recruitment Horizons

Everyone is looking for new opportunity. Confidence is returning into the psyche and that is being reflected in the investment that many companies are planning. If you are experienced in parts of the recruitment business you may think this is a chance to broaden your horizons and take advantage of the predicted growth in employment opportunities.

Perhaps you have worked in very specialised recruitment such as head hunting senior executives for a client, you may have found that although there is a significant reward for identifying a suitable person to fill an important vacancy in a company, it is something that is limiting your talents.

recruitment

Broader approach

The whole recruitment business is a much broader sector. Some agencies specialise in particular sectors such as nursing, secretarial or accounting, others have broadened their approach because of the varying demands of their clients. If you feel you would like to diversify from merely head hunting and begin the process of starting a recruitment business you need to explore the whole sector; exploration at one level has become so much easier with the Internet responding to any researcher by providing more information.

Research

You can gather information but you should actually also talk to specialists that provide advice and services relating to the recruitment business and see if there is scope for a business relationship. There are a number of ways that using recruitment business by Simplicity methods can help you with the detail you may not have dealt with before. It is an altogether different process running a company than acting as a consultant sourcing very senior staff by identifying and sounding out suitable candidates.

What you need to do is to build your brand and find clients. Many people are using social media to get their message across and that may be an alien concept to you. There are service companies that can help you on a number of fronts within recruitment.

The daily tasks

You need to get your internal systems in place and know that your cash flow planning allows you to meet your liabilities. However, your own time needs to be spent getting in front of people and developing the business. Why then not get help with some of the things that may be regarded as mundane but are nevertheless essential?

Any company has statutory responsibilities and a business that is involved in the labour sector certainly needs to have an efficient payroll system so that everyone is paid on time and HMRC is happy. There are only so many hours in the day and it is important that you use them productively. If the best way to do that is to get expertise to help, then that is the route to take. 

Image attributed to Freedigitalphotos.net Ambro

Money Management

4 Easy Ways to Freshen Up Your Finances

financesEvery so often, you need to go over your finances with the proverbial fine-tooth comb and find places where you can make small adjustments. Everyone’s budget changes over time in response to evolving demands and life events. Simple budget adjustments are prudent and beneficial, resulting in increased money for your savings as well as for spending. Freshening up your finances can be done several times a year and can become part of your overall budget management habits. The following are four ways to start on the path toward increased prosperity.

Sweat the Small Stuff

The smaller “incidental” types of spending you do on a regular basis may have more of an impact than you realize. Small, frequent purchases can add up and take a bite out of your budget. Such purchases can have you scratching your head, thinking “How did I ever spend that much?” Luckily, this area of spending is easy to adjust. First, you must keep track of your incidental spending. Every time you go to the convenience store and spend seven dollars on gum, coffee and a soda, jot it down in a small notebook or use a budget-tracking smartphone app. Seven dollars a day is nearly 200 dollars a month. When you eliminate this kind of unnecessary spending, you will free up some extra cash you can use to invest or put into savings. Another strategy is to budget a specific dollar amount per month to spend on incidentals and not exceed that spending limit. In months, you will have saved so much money!

Donate Your Unused Vehicles

Many people have an older or unused vehicle on their property. Donating a car to charity can bring a nice financial reward in the form of a tax write-off and so can donating a boat. Don’t allow your vehicles to take up space in your garage or yard if you are not planning on using them anytime soon. When you donate to a charity, you can feel good about your assets benefiting those in need. When you decide to donate a vehicle or boat, follow the step-by-step instructions and keep a paper trail of the documents involved for tax purpose.

Tend to Your “Rainy Day” Fund

The old adage of “saving for a rainy day” is still good advice. Saving for an unexpected expense such as a medical bill, a vehicle repair or an emergency trip can ease your mind. Your rainy day fund should also include enough money to cover basic bills for at least two months, in the case you or someone in your household loses their source of income. A good way to start a strong rainy day fund is to set aside a given amount in your monthly budget. Even if you don’t have much extra income to allocate, just 50 dollars a month can build your emergency money collection. Everyone knows “rainy days” do come, especially when you least expect it.

Consider Refinancing Your Home

If you are a homeowner, the process of refinancing may be a wise choice for you. Refinancing is the process of adjusting your debt by adjusting the terms of your loan. The adjustments are based on trends in the economy and other established factors. By refinancing your house, you can possibly save hundreds a month, depending on the specifics of your loan and the housing market in your geographic location. Hire an advisor to help you with the process of refinancing. You can often meet for a free consultation before deciding whether or not to go for it.

Positive saving and spending habits create a sense of financial freedom. When you invest time in reviewing your budget regularly, you can find the areas that quickly benefit from small adjustments. A series of small adjustments over time is what it takes to fine-tune your finances, giving you greater confidence and control over your money. Some families hire a financial expert to assist with this, but most people can successfully bring about change on their own. You may wish to purchase a basic guide to personal finances or read financial advice blogs for further information. 

About the Author: Jolene Michaelson is a personal finance expert and a freelance writer. 

Photo source: http://www.123rf.com/photo_14332543_smiling-young-couple-deployment-of-money-for-bills-at-home.html

Insurance

5 Tips for Medicare Supplemental Insurance

Medicare supplemental insurance is something that is often asked about by those who qualify for Medicare. Medicare, for those who do not know, is a national social insurance program that is handled by the U.S. federal government. It has been in place since the 1960’s and has been helping seniors ever since. Medicare offers those who enroll a defined benefit plan. This benefit plan covers them under a few different plans. The majority of those who enroll in Medicare have traditional Medicare plans. There are other plans though, such as Medicare Advantage, which packs in several added factors. One common thing that people often run into though is how they should add on to their Medicare plan with added supplemental insurance. We have put together some tips on Medicare supplemental insurance to help you understand what it is and how you can make the most use of it.

  1. If you are in the market for a Medicare Supplemental Insurance plan, the first thing you should do is to sign up for an original Medicare plan with supplemental insurance. If you are signed up for a Medicare Advantage Plan, you may end up with a plan that will simply not cover you in all of the areas that are needed. Government funding has been disappearing for Medicare Advantage program plans and many hospitals have stopped accepting them. A traditional Medicare plan with supplemental insurance is a safe bet for the future.
  2. You need to be on the lookout for the best coverage possible, you may want to consider something that is known as Medicare Supplement Plan F. Plan F is well-known as the most popular and most comprehensive plan that is available on the market. The idea with this plan is that it will cover pretty much everything after you spend money on the monthly premium. Out of pocket costs are kept at a minimum with Plan F, and that is a huge help to many seniors on a budget.
  3. Medicare Supplement Plan N is also an option when shopping for supplemental insurance. This is similar to Medicare Advantage Plans. What happens with this plan is that you pay a small annual deductible that goes along with co-payments when you visit a doctor or go to the Emergency Room. One of the great benefits here is that it is affordable.
  4. One thing that you need to take into account is that you need to get in touch with a specialist to get a Medicare Supplement quote that you can trust. You should contact a national Medicare Supplement insurance broker who knows all of the plans like the back of their hand. They can give you honest advice so that you can be informed.
  5. You also should get quotes from every single company that you can. Medicare Supplement Plans are consistent, meaning all insurance companies have the same plans available with the same benefits. However, not all insurance companies offer the same plans for the same amount of money. This means that it pretty much all comes down to monthly premium amounts and finding the best deal.

Utilizing the tips mentioned above it should be able to help you obtain the Medicare Supplemental insurance that you need to live happy and healthy lives. Shopping for Supplemental Medicare insurance can be quite confusing. When you take the time to gain the knowledge necessary about the plans though, you will benefit. The more knowledge you have the more power you will have in terms of consumer power. Knowledge is power and having the tips necessary at your disposal can ensure that you are ready to purchase the plan you need.

Author Bio: This article was written by Pete Higgans of MedicareSupplementalInsurance.net a company that provides great information about insurance related topics. 

Coupons

5 Unusual Ways to Save on Shoe Shopping

A comfortable, stylish pair of shoes improves your health, the look of your outfit, and your confidence. Shoes are something that can be universally appreciated by women and men of all ages, sizes, and nationalities. A pristine pair of loafers or heels are even more enjoyable when purchased on sale.

A savvy shoe shopper knows most of the basic shoe shopping tricks. However, if you want a few more shopping tips, we have some for you:

Use Groupon

Groupon has hundreds of coupons to help you save more at your favorite shoe stores. Nine West, Famous Footwear, DSW, and 6PM are just a few of the discounted shoe stores that feature daily coupon codes on Groupon.

Additionally, Groupon lists several pages of shoes on their daily deal section. This section features items discounted anywhere from 10 percent to 80 percent off retail price.

Shop the Right Season

Shoe prices drop depending on the type of shoes and the current season. Solemates featured an article that explained the best season to buy every type of shoes. In the article, Solemates named fall as the best time to buy stilettos and sneakers, since most people will swap all casual and professional footwear for winter boots.

April and May are the best time to buy running shoes: nicer weather, means more active outside time, and running shoes will get used more. March is the perfect month to buy sandals and get ahead of the summer sandal price surge. Purchase winter boots early by searching for them in the spring and summer.

Buy from the Clearance Aisles of Discount Stores

Shop the clearance aisle of your favorite discount shoe stores. The prices are already cut, so the clearance shoes will often be marked down to very low prices. Many retailers have a color tag system. Try to learn or ask about the color tag system at your favorite retailers. Wait at least until the second markdown before making a purchase.

Most retailers have a no return policy, so make sure it is really an item you want before committing to buying it.

Buy with Gift Cards

Cspace and few other companies host boards where consumers can comment on certain brand’s new, developing, or current products. In exchange for regular feedback, these brands give out gift cards. Sometimes the gift cards are generic Visa ones, but often they’re from Amazon, Target, and other major retailers and ecommerce.

In order to participate in these focus group type boards, you often have to be selected from a focus group or marketing database. Once selected, you must complete a questionnaire that determines your eligibility. Similarly, certain survey sites, like Globaltestmarket, Swagbucks, and Opinion Outpost, offer their users points that can be redeemed for gift cards. These cards can carry anywhere from $5 to over $100.

A few of the popular gift cards offered on these sites are from Paypal, Amazon, Sears, TJ Maxx, and Target. Use these gift cards when making shoe purchases.

Outlet Stores

Many major retailers, like Nike, New Balance, and ASICS, have outlet stores. These stores carry shoes from their past collections at very discounted prices. Find these stores online and at outlet malls.

Mind Over Money

Father’s Day Should Be Renamed

I'm right behind you
photo credit: LaPrimaDonna

My parents are divorced and remarried to others. When they got a divorce I chose to live with my mom. This led me to only see my dad every other weekend, if that. I never really got to be close with my dad, and I think I missed out on some great life lessons.

My Dad’s not perfect, and I need to realize that no dad is perfect. He’s always been there for me physically (ex. money) but not really emotionally with a heartfelt “I love you.” I think a lot of dads are like that, reserved in their emotions, and it’s a shame. Those three words can really mean the world to a son.

Now that me and him have grown older I’m trying to draw his emotions out more and more. And to hear him say I love you really makes me happy. And some more words that always bring a smile to my face are “I’m proud of you.”

I know today is called Father’s Day, but it should really be called Bond with your Father’s Day. It should celebrate the bond between a Father and his child(ren).

For this Bond with your Father’s Day go and throw a ball around, play a little basketball, or ask him to do something what you’ve always wanted to do with him.

So fathers out there tell your child(ren) that you love them, how proud of them you are, and give them a big hug. And child(ren) out there, give your father a big hug and tell them you love them too. You’re really going to regret not celebrating that bond when it’s gone.

Happy Bond with your Father’s Day

I’ll leave you with this heartfelt post @FrugalDad Raising a Frugal Dad: An Open Letter to My Son