One of the questions we get asked a lot is, I know the limit that the IRS puts on my 401k contributions for the year is $14000 (for a person under 50) (2005) but is this the limit I can get from one employer or is it the total amount I can get from all my employers? So if I had 5 jobs could I get a total of $70 000 5 x $14 000 in contributions?The simple answer is $14 000 is the personal limit you have as an individual and there for the total...more
Real estate training is essential for the people who want to become a successful real estate broker. It helps them to learn all about real estate business. Real estate business requires some time, some basic knowledge of the business and skill to perform all transactions. Real estate business will be one of the good carriers for a hard working person. Real estate training suggests them all the ways to achieve their goals. License is the basic...more
The transitional period of returning to work after a prolonged period of sickness absence can be daunting for the employee AND their line manager - especially where the ill health revolved around a 'stress at work' issue. Coming to terms with changes that have taken place during the employee's absence and re-establishing team working practices will take effort and commitment from the manager and employee alike. Supportive and proactive interventions must be implemented to ensure a smooth transition back to the workplace.The employee's perspectiveReturning to work following a long period of absence is daunting in itself, but with stress-related absence this is often so threatening that some individuals never make the transition back to full time employment. If the illness was brought about by stress at work or there are unresolved bullying or harassment issues, it's likely that fear of a relapse, along with lack of confidence and low self-esteem, will inhibit rehabilitation. When work pressures only partially contributed to the illness, there may be a feeling of guilt on the part of the employee that he or she had let their fellow workers down and put unnecessary pressure on others...more
Generally, there are many who take their credit report for granted. However, a good credit rating is very essential tool for leading economically successful life. Credit reports allow for many things like credit cards, car rentals, hassle free loans and apartment rentals etc. Each and every time you miss a payment or make default your creditor...more
We live in a world of constant change, and even though the vast majority of these changes are for the better, change is still something that many people - and therefore many organisations - can find extremely difficult to deal with. Why is this, and what can be done to help people embrace change rather than fearing it?The nature of changeChange is...more
According to the Institute of Psychiatry (April 2005), for the first time, stress, anxiety and depression have overtaken physical ailments as the most common cause of long-term absence from work. With sickness absence reportedly costing employers an average of £522 per employee per year (or an average of 10 lost working days), there are good reasons to look closely at the root causes of absenteeism and, where possible, provide early intervention to support employees in regaining their health.Short-term absenceShort-term absence is usually defined as a period of absence of less than ten consecutive working days, and will usually be as a result of the employee suffering from a minor medical condition. Persistent short-term sickness is one of the most common problems employers have to face. Arranging temporary cover when an employee is off sick may not always be viable, and is often both disruptive and costly. Many employers therefore adopt the approach of persuading existing employees to cover for absentees on an ad hoc basis.While this may work in the short term, when applied over longer periods it puts pressure on existing staff, as they struggle to do their own work in addition...more
Taxes is an issue when running an Auction Business. But is there a grey line when it comes to declaring it?It's really within reason if you're going to do a huge amount of it, a small amount is negligible.Some people want to have a small business for...more
My husband loves to negotiate. So much so that whenever I need to buy new running shoes, he always buys a pair, too, with the hopes that he can swing a "deal" with the store by buying two pairs at once. Of course, he never gets a discount, but what I...more
There are many options for someone wanting to work at home. The many types of work at home jobs means there is something for everyone. A person must first define what type of work at home job they want to find. This will make finding a work at home...more
It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working...more
Managing diversity isn't just a moral and legal obligation, it can present tangible business benefits as well.What is diversity?We in the UK are fortunate to live in a country which is rich in the diversity of its population. Nowadays, your work...more
One question almost every investor asks at some point is whether it is possible to achieve above market returns by selecting a diversified group of stocks according to some formula, rather than having to evaluate each stock from every angle. There...more