Some useful tips Expenses take the biggest portion of your income. It is ideally around 60% of what you earn. Investments should contribute about 20% as per the experts. And savings should take the rest. Of course you cannot stay exactly by these numbers each month. But over a longer period you can at least try to have a nice average. Here are some tips that will help you manage these things.
Expenses: Like most of the people you must have a long list prepared even before your salary arrives. And when it does a large part of the money just vanishes. This clearly means that your expenses are too high. Some of the things might be unnecessary. You will have cut those things out if you want your finances to stable. Now this would not happen overnight. You first have to keep a record of all you expenses for a couple of months. Then you need to analyze the records and see where there is a chance of improvement.
Investments: Today there are so many options to invest your money. You can buy shares St. Louis Cardinals Jersey , invest in real estate or get insurance. All the options are good. In shares you can start as small as you want and get huge returns. But you will have to spend a lot of time on it. If you plan to buy a property, you will need a very big capital but you can recover all that from rent. Also the prices always go up and you will not have to spend any time on it. There are also a lot of good insurance plans available these days. You will not only get coverage in case of an injury or disease Felix Hernandez Jersey , but you will also get all your investment back at the end. Go to for more info.
Savings: It is good to invest your money but you should also keep some cash in your hands. It will always be helpful in case of an emergency. You cannot always get a loan or sell your shares so quickly. But you can easily withdraw your money from any bank in Perugia.
Mark oroyo is a businessman with more than 8 years of experience. Mark is very much interested in telling others about the benefits of manage money through which his business benefitted immensely.
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Four Employee Behaviors That Can Kill Your Business Business Articles | July 31, 2004 Four Employee ... that can Kill Your ... found it ... to clarify for ... what ... behavior was at my company. These are the things I insisted would not be ...
Four Employee Behaviors that can Kill Your Business
I found it important to clarify for employees what ?deal-breaker? behavior was at my company. These are the things I insisted would not be tolerated and would lead to immediate or ultimate termination Jay Bruce Jersey , depending on the nature of the infraction of these hard and fast rules. Here are the behaviors I would not tolerate:
1. Gossip. Rumors can be incredibly disruptive to a company. A lack of information can get rumors started, and frank explanations can usually stop them. However Edwin Encarnacion Jersey , some employees thrive on the admiration of others when they seem to be ?in the know.? Define gossip as clearly as you can and tell employees what you expect them to do when they hear it. First and foremost, that you don?t repeat it. Along the same lines of gossip Ichiro Suzuki Jersey , remind employees that all e-mail sent or received on company computers is considered company business and not private correspondence.
2. Violence or threatening or abusive behavior. Termination should be immediate for any employee who engages in any form of violent or abusive behavior. Workplace violence includes threatened or actual abuse and can be verbal or physical. These behaviors only escalate with time and are never excusable. Any employees involved in workplace violence should leave the workplace immediately and be placed on a paid leave of absence for a few days while you investigate the situation and consult with your attorney. Don?t assume this couldn?t happen in your company?it?s estimated by the Occupational Safety and Health Administration (OSHA) that two million Americans are victims of workplace violence annually.
3. Dishonesty and theft. The term theft can include the theft of time, office supplies Seattle Mariners Jersey , and the use of office equipment for personal projects. Set standards for what is acceptable use of company assets. Security experts say as many as 30 percent of workers steal, resulting in an estimated loss of $50 billion a year from U.S. companies and contributing to as many as one-third of business bankruptcies.
As for dishonesty Madison Bumgarner Jersey , I have a zero-tolerance approach. I dismissed members of my accounting staff for what may seem to be petty reasons: one for using $5 of petty cash as personal lunch money, another for telling me he was home sick when he was out of state on a long weekend vacation. If key staff members are not honest with you about small things Brandon Crawford Jersey , how can you be sure they will tell the truth ?when it counts??
4. Substance abuse. Substance abuse is more rampant than most employers know. The U.S. Department of Health and Human Services estimates that from 6% to 11% of adults are substance abusers. Substance abuse costs U.S. employers an estimated $100 billion a year. Call your attorney to make certain you follow the Americans with Disabilities Act (ADA) requirements. Illegal drugs are expensive and have led financially desperate employees to commit fraud. They have also been implicated in violent behavior in the workplace.
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