Feb 5, 2017

Article Written by : Financial Haze A new trend has emerged where companies are offering their staff free healthy lunches. There are many benefits for the employer as well as the employee by offering this benefit. Here are five reasons why employers are offering free lunches to their employees. Increased employee morale – Employers have noticed that by offering free lunches their employees, morale has soared. The free meals caused an increase in productivity that outweighs the cost of this benefit. You could also stand out from your competitors as an employer of choice because most job seekers will choose your company over a competitor who does not offer this benefit. Stronger connections between employees – When different departments and grades of employees sit together they have stronger connections with each other. This helps employees to interact better with other staff members from different departments. Increased productivity – Employees will not have to head out of the office to get their lunch and will, therefore, have more time at the office. Offices that offer healthy meals have also noticed an increase in employee activity and concentration, after offering this benefit. Healthier workforce – Healthy employees will cost the company less as they take less leave, are more productive and cost less regarding health insurance. Tax benefits – Most companies will be able to deduct their yearly spend on this benefit when they settle their taxes. Although there are requirements if an employer offers lunch, snacks and drink they can deduct these costs from their income tax....

Jan 30, 2017

In order to determine whether accepting digital wallets is right for your business, you should consider a few elements that are likely to impact your business. First, you should consider the adoption rates for these wallets. Next, you should consider the benefits of doing so. Only then can you make an informed decision. Adoption Rates There’s an interesting back and forth at play when it comes to adoption rates of digital wallets. Some customers are apprehensive because merchants are apprehensive, and merchants are apprehensive because their customer base is as well. However, recent regulations have shifted the burden of fraud onto the merchant. This has changed the POS dramatically, and means more terminals are likely to accept digital wallets. That’s driving adoption of this technology in new ways. If you’re getting into business, or looking to upgrade, it’s likely you’re looking at terminals that accept these new payment forms. Benefits Mobile wallets take the burden of fraud prevention off the business owner’s shoulders, and some provide handy loyalty programs as well. The bottom line is that these wallets make it easier to spend money at a particular business, or on a particular product. Gamifying shopping will unlock coupons and exclusive deals for customers, and could be a major draw for big box retailers in the coming years. The bottom line is that accepting digital wallets goes beyond offering multiple forms of payment to your customer base. It helps build customer loyalty and can be part of a broader marketing strategy. Charge.com provides small businesses with industry-leading merchant services, affordable rates, and the most efficient method to process payments...

Dec 1, 2016

Artilce Written by : SNDA Online Here are 3 simple personal finance advice that is targeted at mid-income earners, who often struggle at making the most from their savings and spending habits. Cut down on things you dislike paying, ns not on the things you like– Most often people will ask you to cut down on things like your daily latte, your manicures or eating out. In most cases, these make people feel worse and cause them to splurge later during the month. Instead look at areas in which you spend a bulk of your annual earnings. For example, take your annual car insurance. Before you pay your premium, shop around and clearly understands what you will be covered for and what the cost comparisons are. Find a side income source – Instead of cutting down, look into earning more with the resources you have. For example, if you have an empty room or an annex, think of renting it out or putting it in Air BnB. Also, consider online work that will enable you to work from home and around your day job. Do not buy a house/real estate as an investment – Houses or real estate are not good investments as they can be very volatile to changes in economic conditions. However, if you want to purchase a home for you to live in, this can be a good investment. In this case, make sure that it is the house you can afford with your current income....

Nov 6, 2016

As a couple, it is important that your priorities are in sync, which will help maintain a happy, healthy relationship. Money is one of the main problems that can cause a divide between couples. Here are a few sound tips to help couples stay on the same financial page. Learn to have fun without a lot of money. – Everything should not involve spending. Learn to enjoy things like a bike ride, walk in the park, a home-cooked meal or free concert. Pay attention to your partner’s financial habits. – Before committing to a relationship, understand how your partner handles money in their life. Discuss your dreams and goals with your partner – Let your partner know your dreams for the future and ask them about theirs. Your goals should be compatible to your partners. Living together – Discuss living together and other issues like leases and household expenses before moving in. Plan carefully before you borrow from your partner – Be clear with your partner about any debts you currently have and ask them about theirs. Each person should be responsible for the debts they have incurred prior to the relationship. Review your investments – Look at each of your investments and identify areas that can be changed to suit your joint goals. Joining your financial lives – Keep a record of bills like utilities and who will be responsible for the payment. Creating a budget for the month is also a good idea, as it will give both of you a goal to save and spend on the things you...

Aug 31, 2016

Carefully plan out your retirement to maximize your financial standing. There have been many opinions when it comes to retirement throughout the years. Many financial advisors have told their clients to sell their home come retirement. Now, this will allow them to significantly boot their retirement income, but then there’s the human aspect that comes with it too. The impact of having to sell something that has been in your family for years on end isn’t an easy thing to do. Rather, there are other ways that you can fund your retirement account without having to sell your beloved property. Look At the Bigger Picture Even if you have noticed that your home has gained a substantial amount of value over the years, remember that every situation is fundamentally different. This being said, you should base your decision off of personal preference. Money has been a primary factor when it comes to a successful retirement. But you need to ask yourself, is it really what you want to do? Don’t just sell your home right off the bat without putting much thought into it. If it holds emotional value, you don’t need to part with it. There have been many successful retirement stories where the retiree keeps his or her house and stays in good financial standing. Sometimes, the cash doesn’t always speak in the bigger picture. The Bottom Line Every homeowner’s situation is different from one another. Don’t hastily make your decision before truly sitting down with your family and discussing it. By rushing things, you’ll only make a decision that you’re going to regret in the end. Kuba Jewgieniew is the head of Realty ONE Group, a real estate brokerage firm that has offices in California, Nevada, and...