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Apr 09
Love0

Employee Retention Tips For Your Business

By Employment Resources

To help your business grow and stay healthy, you need to retain your employees. Your company will experience higher employee and customer satisfaction ratings, and you’ll save money and conserve resources when you maintain a consistent workforce. Gain these benefits and protect your company when you implement several employee retention tips.

Hire Quality Employees

During your hiring process, try to fill positions with staff members who fit in with your culture, possess essential skills and embrace your company’s vision. Employees are more likely to stay long-term when they feel at home in your company.

Clarify Expectations

Ensure every employee understands their production goals and other expectations. They’ll experience less stress and feel more secure and motivated when they have a clear set of goals to achieve.

Tap Into Talents, Skills and Experiences

Every employee has a hidden skill or two that can benefit your business. Get to know each member of your team, and discover the unique talents, skills and experiences they possess. You can then maximize each staff member as you stretch them professionally and enhance your business.

Provide Tools, Training and Growth Opportunities

Equip your employees for success when you provide them with the tools they need to do their jobs. You can also schedule performance reviews and ongoing training workshops, seminars and classes that help your employees feel professionally fulfilled and satisfied.

Appreciate all Employees

Incentives, gifts and rewards show employees that you value and appreciate them. Consider offering:

  • Flexible work hours
  • Tuition reimbursement
  • Competitive salaries
  • Free lunches
  • Regular verbal thank you’s

Each of these appreciative measures boosts morale and gives your employees reasons to stay.

Encourage Work-Life Balance

Protect your employees from stress and other health problems as you encourage work-life balance. Offer nontraditional work hours or a flexible schedule, extra holidays, realistic work expectations, and more breaks. Your efforts improve employee morale and satisfaction.

Strive for Fairness

Most businesses implement different pay and incentive levels, but do your best to be fair and equitable. Offering only certain employees higher pay, extra bonuses or other perks will negatively affect employee morale, productivity and longevity.

Welcome Feedback

Give your employees freedom to share their thoughts, ideas and opinions as you create an open environment that welcomes improvements and innovation. Be sure to take all suggestions seriously, and give employees credit for their ideas as you keep your team excited and involved in your company’s growth and success.

Conduct Exit Interviews

When employees do leave, conduct exit interviews and ask why they’re moving on. Their insights can help you improve operations and reduce future employee losses.

With these tips, your company can improve employee retention. You’ll then gain a variety of benefits that keep your business healthy.

Apr 09
Love0

Freezing Your Credit

By Personal Perspective

In early September, the credit reporting agency Equifax announced a significant data breach. Hackers were able to access the names, birth dates, Social Security numbers and addresses of 143 million consumers, which put their identity and credit at risk. A credit report freeze is one protective measure Equifax recommended. Every consumer, including you, should understand this protective measure as you protect your data, identity and credit.

What is a Credit Report Freeze?

A credit report freeze allows you to restrict who can access your credit report. When a freeze is in place, only certain professional entities can see your information, and it’s less likely that an identity theft can access your data.

Ways a Credit Report Freeze Affects You

When you place a credit report freeze on your account, it affects you in several ways.

1. It prevents certain entities from accessing your credit report. This includes potential employers, mortgage companies and car dealers.

2. Existing creditors and any debt collection agencies they hire and government agencies responding to a court order or subpoena may continue to access your credit report.

3. You can continue to access your free annual credit report.

4. It does not affect your credit score.

5. You will continue to receive prescreened credit offers for credit or insurance. Call 888-5OPTOUT (888-567-8688) or go online to optoutprescreen.com if you wish to stop receiving these offers.

How to Place a Credit Report Freeze

Contact the three nationwide credit reporting companies to freeze your credit report.

To place a freeze, you must provide your name, birth date, Social Security number, address and other personal information. You will also have to pay a fee. It typically ranges from $5 to $10 but varies based on where you live.

How to Know if Your Credit Report Freeze is Successful

After placing a credit report freeze, you will receive a confirmation letter from the credit reporting company. It includes a unique password or PIN you will need if you ever choose to lift the freeze.

How to Lift a Credit Report Freeze

Your credit report freeze remains in place indefinitely. However, you may want to lift it so you can apply for a job or credit. To do that, simply contact the credit reporting company to request a lift. You will provide your password or PIN, pay a fee that varies by state and indicate if you want a temporary or permanent lift.

A credit report freeze can protect your personal data and identity. Consider monitoring your bank, insurance and credit card statements, though, too, and purchase cyber liability insurance as a further protective measure.

Apr 09
Love0

Tips To Foster New Cybersecurity Professionals And Protect Your Business

By Cyber Security Awareness

By 2019, the cybersecurity industry will face a deficit of over two million professionals. Whether your company needs a solid cybersecurity team or already has a great team in place, consider taking steps to fight this deficit and protect your business.

Detail the Threat

Incite current employees to enter the cybersecurity industry when you detail current threats, including phishing scams and cyber breaches. Employees who are aware of the threats may step up and seek further training so they can protect others.

Make Cybersecurity Everyone’s Job

Cyberbreach costs exceed $100 billion annually in the United States. Despite your cyber liability insurance policy, your company is not immune to breaches. Ensure that every employee understands the basics of privacy and security in their daily operations. With ongoing training, your team will be equipped to protect your company.

Recommend Schools that Align with National Cybersecurity Guidelines

The National Security Agency (NSA) and Department of Homeland Security (DHS) sponsor a program that supports cybersecurity education for all elementary to postgraduate students and aims to improve the number of trained cybersecurity professionals. Currently, 200 universities have earned the Centers of Academic Excellence in Cyber Defense (CAE-CD) status in the U.S. Highlight these schools as you encourage people to enter the cybersecurity field.

Encourage Hands-on Training

In addition to four-year degrees, a variety of hands-on certification programs also train students to handle cyber challenges. They include the Certified Information Systems Security Professional (CISSP), Systems Security Certified Practitioner (SSCP), Security+, Network+, GIAC Penetration Tester (GPEN), and Certified Ethical Hacker (CEH). The hands-on education means graduates are prepared to succeed as security specialists, security analysts or other security professionals immediately after graduation.

Introduce Practical Skills

A cybersecurity training program will include technical classes in risk management, data mining and statistical analysis. However, students must know other skills such as collaboration, conflict management, perseverance, and attention to detail. These practical skills provide a well-rounded education and enhance a student’s ability to succeed in the cybersecurity field.

Offer an Annual Scholarship or Tuition Reimbursement

Sometimes, finances prevent someone from pursuing a cybersecurity career. Reduce financial strain with a scholarship for current employees and their family members. You could also offer tuition reimbursement that allows employees to boost their current cybersecurity skills or pursue advanced training.

Allow Flexible Work Hours

If your employees express interest in pursuing cybersecurity training, give them a flexible work schedule. They can work a different shift, share duties with another employee or telecommute as they balance work and classes.

Your company can do its part to train new cybersecurity professionals. Take these steps so that more trained personnel can fight cybercrime and keep data safe.

Apr 09
Love0

Six Myths About Workers’ Compensation Insurance

By Workplace Safety

Workers’ Compensation Insurance is an important product for employees. There are six common myths that surround this insurance, though. Debunk the myths so you can understand and maximize your benefits.

1. Small businesses don’t need to offer Workers’ Compensation Insurance.

You may work in a small business with only a few employees. Federal and state laws dictate that most businesses with one or more employees must carry Workers’ Compensation insurance. Be sure your employer carries this valuable insurance even if you are a solo employee.

2. I don’t need Worker’s Compensation insurance because my job is low-risk.

Some jobs, like construction, farming and commercial fishing, are dangerous. However, even low-risk jobs include injury and illness risks. You could develop carpal tunnel while typing or slip and fall in the break room during lunch. Your employer will pay lower Workers’ Compensation insurance premiums if you work in a low-risk job, and you absolutely must ensure you’re covered no matter what type of work you perform.

3. I’m careful and won’t get hurt.

While you might have an accident-free employment history, it only takes a second for an accident to happen. Plus, some workplace accidents or injuries occur because of someone else’s actions. Ensure you are covered by Workers’ Compensation regardless of your careful track record.

4. My boss is like family, and I could never sue.

It’s great that you have such a good relationship with your boss and feel like family. However, you are still employer-employee. By law, your employer must provide Workers’ Compensation for you. You also owe it to yourself and your dependents to have this valuable coverage in place in case you are injured or disabled and can’t work.

5. My boss will pay my work-related injury or illness expenses out-of-pocket.

Perhaps your boss has vowed to pay out-of-pocket for your medical, living and others expenses if you’re injured or become ill on the job. Unfortunately, your boss may decide not to pay, particularly when the Workers’ Compensation claims reach thousands of dollars or affect multiple employees. Always protect yourself with Workers’ Compensation insurance so that you can ensure your expenses are paid.

6. Any pain I feel at work is eligible for Workers’ Compensation.

While assembling furniture at work, you notice that your arm hurts. Instead of rushing to file a Workers’ Compensation claim, think about when and where the pain started. If it originated from an activity or injury that occurred outside of work, don’t file a Workers’ Compensation claim.

Workers’ Compensation insurance is important. Understand these six myths as you make sure you’re covered. For more details, contact your Human Resources manager or insurance agent.

Apr 09
Love0

Best Ways To Protect Your Vision When Your Work At A Computer

By Your Employee Matters

Up to ninety percent of people who use a computer at work for even as little as two hours experience eye strain or computer vision syndrome (CVS). That strain can range from minor irritations and red eyes to decreased vision. Computer use can also cause physical fatigue, work errors and decreased productivity, so take these steps and reduce eye strain.

Cut the Glare

Bright light can increase eye strain, so close curtains and dim interior lights or use low-intensity bulbs. You can also install an anti-glare lens on your monitor or eyeglasses.

Improve Your Display

Select at least a 19-inch high-resolution monitor that features a liquid crystal display rather than a cathode ray tube. This display technology reduces glare and image flicker, two factors that can cause eye strain.

Adjust the Display Settings

The settings on your monitor can affect your vision, so make several adjustments.

  • Match the brightness to your surroundings.
  • Increase the text size and contrast.
  • Use black print and a white background.
  • Reduce the color temperature to lower the blue light.

Change your Workstation

Several ergonomic adjustments at your workstation can reduce eye strain. When looking from paper to the monitor, place the paper on a raised stand so it’s even with the monitor. Then set the chair and monitor to the correct height. The computer screen should sit 10 to 15 degrees below and 20 to 24 inches or an arm’s length away from your eyes. You should also clean your screen regularly to remove fingerprints and dust that affects your view.

Take Breaks

Set your timer and look away from your computer screen every 20 minutes. Focus on something 20 feet away for 20 seconds to give your eyes a break.

Also, remember to blink. When using a computer, you’re one-third less likely to blink, but your eyes need the moisture.

You can step away from your workstation and stretch, too. These breaks reduce muscle fatigue and tension, and you will return to work ready to focus on your screen and work again.

Purchase Computer Glasses

Modified eyeglasses with lightly tinted or photochromic lenses reduce blue light exposure. Ask your optometrist about silicone hydrogel contact lenses, too, the most comfortable contact lenses for many computer users.

Get an Eye Exam

Use your vision insurance coverage to check your eye health. Tell your doctor how often you use the computer and get tips for reducing future eye strain. You may also need artificial tears to correct dry eye and reduce irritation.

As you work at your computer, take these steps to reduce eye strain. They protect your vision and improve your work productivity.

Apr 06
Love0

How To Handle Allergens In The Workplace

By Workplace Safety

Numerous environmental conditions at your workplace can cause you to suffer an allergic reaction that ranges from mild to life-threatening. If you’re affected by an allergy, you may be eligible to file a Workers’ Compensation claim. Consider these tips as you reduce allergens at work and protect yourself.

Common Workplace Allergens

Depending on your job and workplace, you may be exposed to numerous allergens as you work. Consider this partial list.

  • Latex gloves or equipment
  • Ink toner
  • Cleaning chemicals
  • Floor wax
  • Perfume
  • Cigarette smoke
  • Dust
  • Food, including nuts and dairy
  • Mold
  • Asbestos
  • Aerosols
  • Paint fumes
  • Dye
  • Pollen
  • Pet dander

Possible Allergic Reactions

The allergic reaction you experience can be mildly annoying or severe and life threatening. Be aware of these possible reactions.

  • Contact dermatitis
  • Sneezing
  • Pain
  • Swelling around your mouth or elsewhere
  • Hives
  • Itching
  • Trouble breathing
  • Anaphylactic shock

What to do if you Have an Allergic Reaction

Seek medical treatment as soon as you suspect you’re having an allergic reaction. To provide the best possible treatment, your doctor or emergency medical personnel may ask for a list of possible allergens to which you may have been exposed.

How to Prevent Allergic Reactions

While you can’t always prevent allergen exposure, you can advocate for an allergen-free work environment. Ask about switching to natural cleaning supplies or banning peanut butter as you remove allergens that affect you and your co-workers.

You may also take protective measures. Wear gloves, use a respirator or open a window as you reduce exposure to your known allergens.

Request special accommodations, too, especially if you have a known allergy. According to the Americans With Disabilities Act (ADA), you’re considered disabled if your allergy limits your activity level. In this case, you can request that your employer improve ventilation throughout the building or allow you to work a different shift when allergen use is limited.

What Does Workers’ Compensation Cover?

By law, your employer must provide a safe work environment. If you suffer an allergic reaction to chemicals, cleaning supplies or something else and can’t perform your job, you may be eligible to file a Workers’ Compensation claim.

Workers’ Compensation benefits could cover your medical treatment, a portion of your lost wages and other expenses. However, you must prove that the allergic reaction stemmed from something at work and not food, medication or another environmental condition you encounter at home or elsewhere.

If working conditions or environmental factors cause you to suffer an allergic reaction, you can file a Workers’ Compensation claim. Discuss your specific case with your Human Resources manager and doctor as you protect yourself at work.

Apr 06
Love7

What To Do When Co-Workers Act In An Unsafe Manner

By Workplace Safety

Safety at work depends on all employees doing their part. Sometimes, though, co-workers decide to cut corners, get in a hurry, feel distracted, or otherwise neglect safety protocols. A 2010 study by the RAD group found that only 40 percent of employees intervened when they noticed safety concerns because they feared that their co-worker would be defensive or angry or that intervening would not make a difference. While you may not want to be a whistleblower, you owe it to yourself, your co-workers, customers and clients, and the company to maintain safety. Here are the steps you can take when you notice co-workers acting in an unsafe manner.

Identify and Solve the Inducing Factors

In general, safety violations occur for four reasons. Understanding why your co-workers violate safety standards can guide you in addressing the underlying issues.

1. Personal Perception – Co-workers may think they don’t need to follow safety precautions because their job is low-risk, the precautions are uncomfortable or they don’t have time. In this case, encourage your co-workers to maintain safety so they avoid injuries and model good behavior.

2. Mental Lapses – Forgetfulness, preoccupation or uncertainty may cause your co-workers to commit safety violations. A gentle reminder can correct the mistake.

3. Abilities – Your co-workers may act unsafely because they have improper tools, unrealistic expectations or other challenges. Offer insights into ways to overcome these safety risks.

4. Social Environment – Pressure to conform or fit in may prompt co-workers to neglect safety precautions. Encourage your co-workers to remain independent and do the right thing regardless of anyone else’s mindset.

Speak to the Offender in Private

When you see a co-worker breaking a safety procedure or otherwise acting unsafely, talk to that person in private. Approach your co-worker with kindness and understanding rather than accusations as you request that he or she maintains a safe work environment for the sake of everyone.

Notify Your Supervisor

If your co-worker refuses to listen to you and the unsafe behavior continues, talk with your supervisor. Share details such as the offender, dates, times, and incidents. The supervisor can then follow-up and schedule more frequent walkabouts, increase safety discussions or take other appropriate actions.

Practice Safety Procedures

Always model safety on the job site and do your part to maintain safe conditions. That means you must wear safety gear, pay attention to your surroundings and operate equipment properly.

You should also participate enthusiastically in safety meetings and encourage your co-workers to do the same. Take the presentation seriously as you promote a workplace culture that emphasizes safety.

Workplace safety protects everyone and reduces injuries and illnesses. Do your part and intervene if you notice safety violations.

Apr 06
Love0

Steps To Take When Your Electricity Goes Out

By Personal Perspective

Power outages can occur during storms or because of accidents or blackouts. The next time you experience a power disruption, take these steps to protect your home, valuables and family.

Call the power company. Report the outage and any downed lines, and sign up to receive alerts when the power returns.

Check the circuit breakers. Be sure they’re turned to the “on” position so the power will automatically turn on when it’s restored.

Never touch downed lines. They’re deadly.

Use battery-operated flashlights or lanterns. Candles or oil lamps can be fire hazards, so rely on battery-operated light sources.

Stay warm during winter power outages. Bundle in layers, gather your family and pets in one room and shut the doors. You can also use your wood stove as a heat source if it’s clean and functions properly.

Stay cool during summer outages. Dress in lightweight clothing and hang out in the basement. You’ll also want to stay hydrated. If the power outage lasts for an extended time, drive to a mall, movie theater or other cool location.

Preserve food. In general, food will stay safe in the refrigerator for up to four hours and in the freezer for up to 48 hours, but try to avoid opening these appliances. Wrapping these appliances with blankets might provide further insulation and food protection during short outages.

Fill your water jugs if possible. Grab your spare containers and fill them with water to sustain you during the outage.

Turn on the water. Let your spigots drip to prevent freezing water pipes during winter outages.

Unplug major appliances. Your appliances could be damaged by the surge that sometimes occurs when the power comes back on, so unplug all your appliances and electronics except your fridge or freezer. Consider keeping a single lamp or other electric device plugged in so you know when the power is restored.

Use your generator with caution. Only turn on your generator if it’s installed outdoors, properly connected to your home and fueled properly.

Don’t grill indoors. The carbon monoxide could kill you.

Check on your neighbors. Verify that your neighbors are safe, especially if they’re elderly or disabled, and share any water or food with them.

Stock an emergency supply. After the power returns, prepare for the next outage. Stock non-perishable food, water, flashlights, batteries, a first aid kit, and pet and baby supplies, if necessary.

Review your homeowners insurance coverage. Your policy may cover food losses, power surge damages, burst pipes, and even hotel expenses that you incur because of a power outage. Contact your insurance agent for more details.

A power outage can occur at any time, so be prepared. These steps help you protect your home and your family.

Apr 06
Love0

Ways To Make Money With Your Personal Vehicle

By Personal Perspective

To make extra money, look no further than your vehicle. Your car or truck can become a source of income even if you’re not behind the wheel.

Wrap your Vehicle with Ads

Several companies pay you to wrap your vehicle with their advertisements. You receive payment based on the size of your vehicle and the miles you drive each day.

Become a Personal Driver

In exchange for a fee, give rides to seniors, new parents, college students, and other people who don’t have a vehicle. You can even run your own errands while driving others.

Drive for a Rideshare Service

Uber and Lyft are two rideshare services you can join. You decide where and when to drive, and your passengers pay you for each ride.

Join a Courier Service

Pick up and deliver dry cleaning, coffee, documents, and other items for a fee when you work as a courier. As a bonus, you can choose to accept jobs along your normal commute route and save time, fuel and wear on your vehicle.

Rent your Vehicle to a Peer

While you’re on vacation, at work or home for the weekends, rent your primary or spare car to a peer. Sign up at Turo or make rental arrangements with a friend, neighbor or co-worker.

Join a Carpool

Get paid to drive others to work every day. Alternatively, you can ride daily as a passenger and reduce your vehicle maintenance costs and fuel costs.

Drive Kids to School  

Whether you’re a parent, teacher or friend, offer to drive kids to or from school. Get paid per child per trip.

Deliver Groceries or Pizza

Taxi rides can cost a small fortune, so start a delivery business. Receive payment as you deliver groceries or pizza around town.

Transport Pets

Pet owners who need transportation to the vet or groomer will gladly pay you to provide reliable transportation. You may wish to purchase a sturdy crate to keep your furry passengers safe, and stock treats.

Pick up Large Objects

Put your SUV or truck to good use as a delivery vehicle. Advertise your service around town or sign up for TaskRabbit, and people will hire you to pick up and deliver large objects like furniture, bicycles and firewood.

Become a Tour Guide

Connect with tourists and other out-of-town visitors in your local area. Visit museums, attractions and historic sites during the travel season and share your expertise while making extra money.

These ideas help you earn extra cash with your personal vehicle. Before you start your endeavor, talk to your insurance agent and ensure you have adequate coverage for your new side business. Then hit the road!

Apr 06
Love0

Importance of LTC’s Equipment and Home Modification Benefit

By Life and Health

Long-term care (LTC) insurance ensures people with disabilities, chronic illnesses or other conditions receive the daily help they need. The coverage includes a variety of benefits, including equipment and home modifications. Understand the value of these specific benefits as you determine if LTC insurance is right for you or someone you love.

What is LTC Insurance

While beneficial, your health insurance coverage from an employer or private source usually does not cover daily, extended care. Likewise, Medicare covers only a short nursing home stay or limited in-home care, and local agencies sometimes provide only a small amount of financial assistance to low-income adults.

LTC insurance can cover the expenses of the nursing and practical help you need. Equally important, it can pay for essential home modifications and the equipment you need to remain safe, comfortable and independent in your own home.

Items the LTC Equipment and Home Modification Benefit Covers   

You can use your equipment and home modification benefit to cover a variety of expenses.

  • Wheelchair ramp
  • Grab bars
  • Stair or bed rails
  • Walk-in shower
  • Raised toilet
  • Power recliner or chair
  • Accessible light switches and electric outlets
  • Wider doorways
  • Stair lift
  • Low-pile carpeting or other flooring

Each of these equipment items and home modifications improves your safety and comfort in your home. They also equip you to remain as independent as possible.

Why you need the Equipment and Home Modification Benefit   

The majority of disabled, ill or aging Americans prefer to age at home. However, you may need special equipment, such as a hospital bed, power recliner or shower seat to remain independent. Additionally, you may require home modifications like lever handles, accessible power outlets or low-pile carpeting that improve your home’s functionality and safety.

The costs of renting or purchasing the equipment you need can quickly add up, and home modifications could total tens of thousands of dollars. Conserve your personal funds for other needs like daily living expenses and medical treatment when you use your LTC insurance policy to cover a portion or all of the equipment and home modification costs.

Additionally, realize that your insurance policy funds will reduce caregiver stress. Your loved ones will gain peace of mind and experience less physical and financial challenges since your insurance benefit will pay for the equipment and home modifications you need to remain safe in your home.

How to Purchase LTC Insurance

The future is uncertain, but you can meet your daily living needs with LTC insurance. Discuss your needs, including the equipment and home modification benefit, with your insurance agent. Be sure to choose a policy that covers your expected financial needs, has an affordable premium and meets your long-term care needs.

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