If you’re the owner or manager of a small to mid-sized company, you may feel that an official employee handbook is just something for larger corporations. If thats the case, there are some important benefits provided by employee handbooks that you may not be aware of.

The reasons that larger corporations maintain and provide employee handbooks are just as applicable to a smaller company. One benefit, that many business owners aren’t aware of, is that insurance companies look favorably on companies that have their employment policies written out in a manual and is kept up-to-date. A document that clearly identifies the rights and responsibilities of the employer and employee relationship in a business can greatly decrease the potential liability risk to your insurance carrier. Many insurance companies recognize this factor and provide reduced rates or other incentives for employers that provide an employee handbook to their employees.

This decrease in liability risk is a benefit itself, even if it doesn’t improve your insurance rates. Legal litigation costs are something every employer wants to avoid. Having your policies in written form can protect an employer from the types of misunderstandings that often lead to employment-related suits.

Of course, an employee handbook is only as good as the contents. If a manual isn’t kept up-to-date as policies and employment laws change, it loses its value. This is another excuse employers often use when they hesitate to create an employee handbook in the first place. They don’t want to spend lots of time and money creating a manual that will have to re-done every 6 to 12 months. With the technology available through small business HRIS (human resource information systems) software, this excuse is easily eliminated.

Small business HRIS software packages that include an employee handbook and company policy feature makes creating and updating those HR documents simple and inexpensive. The companies that create and sell HRIS software for small businesses recognize the importance of providing their clients with the proper legal language and keeping that language up-to-date. This eliminates the need for hiring an attorney to create your manual or to review it periodically. Just as payroll accounting software provides you with the most up to date tax information, HRIS software can help with the issues related to the employer-employee relationship.

Small business HRIS software is not just for creating employee handbooks. It includes a full range of data tracking options related to human relations. So, for one small price, a company can take full control of their HR needs with the employee handbook option being just one of the many benefits

Mortgage Income Multipliers
Mortgage income multipliers are one of the tools that are used by mortgage lenders in order to work out how much they are prepared to lend each person looking for a mortgage or remortgage. Usually this is either three times the income of a person applying for a mortgage alone or two and half times the incomes of two or more people applying for a mortgage together, whichever one gives the highest figure. Some mortgage lenders are more generous with their lending and these can be even more flexible if the loan to value is quite low.

An example of how mortgage income multipliers work
If you look at the Abbey and their mortgage income multiplier you will see that they will use the information on a borrowers credit rating to calculate how much they are willing to lend them. This could lead to a borrower being able to apply for a mortgage which is up to five times the amount of their annual salary.

Mortgage Affordability Calculator
One of the latest and now most common ways in which a lender can calculate how much they can let you borrow is by using a mortgage affordability calculator. These work by looking at your lifestyle and ability to pay a mortgage rather than using an income multiplier. This can lead to a borrower being able to borrow more than previously allowed with income multipliers.

At the moment there are around 25 lenders on the market who can use a mortgage affordability calculator to work out the amount they could potentially lend a person. If you have a high credit rating, have no dependants and two incomes you could borrow even more.

Some of the high street lenders who use a mortgage affordability calculator are Standard Life, Halifax and Alliance & Leicester.

Enhanced mortgage affordability calculator
Today some lenders will offer a borrower more money if they opt for a five to ten year fixed rate mortgage with them. This is seen as much less of a risk to the lender as the repayments remain the same for a much longer period and are more likely to be budgeted for with relative ease.

Mortgage borrowing advice
If you would like find out more about how much you can borrow on a new mortgage there are many websites that link to a mortgage affordability calculator at many of the mortgage lenders. Alternatively you might want to use one of the many mortgage calculators on a mortgage comparison website. You could speak to an independent mortgage advisor and discuss any area of mortgage borrowing with a dedicated mortgage advisor.

Retirement income is very important for the people who are about to get retired. Every company or organization follows different retirement income calculators. A comprehensive retirement calculator will consider taxes, expenses, pension income, social security and various other factors that can influence your income. Now let’s take different ways of income calculator in to consideration. Detailed Retirement Calculator A large amount of the free don’t precisely tax different sources of income and don’t give you permission to input different retirement dates for one next of kin verses another. The exemption to this is ES Planner Basic. Even though not the most visually interesting, nor the most comprehensible, from an accurateness point of view, it is among the one best.

This is a vigorous which designed to help you conclude.

How much you can spend each month the availability.

There are chances that your money /saving will last throughout your retirement period. One of the best features of this is that it has a built in withdrawing analysis which assist you figure out how your investments will grasp up under a range of market conditions. Motley Fool’s In order to use this detailed retirement income calculator you need to get ready with all your financial information ready. You will require an approximating expected inflation rate, tax rate and the rate of return on any sort of investment and also the guise of any other income you have planned to have and also the living expenses.

Another robust which will assist you to approximate how well you’re saving plan is making you ready for the retirement. First it will tell you how much you need, then your chances of achieving them. And if in case you fall short of it you will be provided with some suggestion and advice for improving your plan. Vanguard This is with graphs and slide bars at the same time this is fun.

This is a very simple and easy , one page and will help or tell you how long a lump sum of money will last on the whole how much money you will need to give a certain amount of income for a number of years.

It is the retirement income calculator factor is an approximate of taxes, which other one page calculators don’t take consideration for.

This good, one page retirement income calculator helps to find out whether your expectations are realistic and practical based on your current saving rate, retirement funds, life expectancy and age. And this retirement calculator like many others does not take into account that can affect your income taxes.

During the course of the average person’s lifetime, he may change career fields between 3 and 5 times. Individuals seek a change in profession for many reasons. Perhaps in your own career the prospects for growth or the wages are poor. Maybe you chose to stay home with your children while they were young, and now you want to return to work to bring in more money. Many people over the age of 50 are trying to return to work or are tired of working in their current field. Regardless of the cause, fulfilling careers with good wages are becoming increasingly available.

For ambitious career-minded young people, the job outlook is great. Product and brand management is a hot new career. With this job you will have to utilize your business skills as well as your creativity, since you will have control over the development, management, and marketing of an assigned product line. On average, your income would be about $90,100 per year. This position requires a bachelor’s degree as well as four years of relevant experience. Brand Managers normally begin their careers by obtaining experience as Marketing Analysts, Assistant Brand Managers, or Sales Representatives.

Other excellent professions for young people trying to change fields include IT Generalists, Property Managers, Public Accountants, and Staff Nurses. Nurses can earn about $60,000 annually with an associate degree if they are certified. In the field of real estate management, salaries run from the mid 50’s to $80,000. For this profession, candidates should have a bachelor’s degree as well as relevant work background. With a bachelor’s degree in accounting and 2 to 4 years of experience in a related field, it is possible to become a Public Accountant earning an average of $50,000 annually. As an IT generalist, you’ll have a launch pad for a high tech career. Average earnings are slightly under $48,000 with the main requirement being a bachelor degree.

Lucrative careers exits in sales/wholesale manufacturing, truck driving, or maintenance and repair work for those with limited educational credentials. Many people who lack a formal education can take advantage of on-the-job training and work experience in their field to qualify for well-paying supervisory/managerial positions or to become police officers, carpenters, firefighters, electricians, claims adjusters, or heating/cooling installers. Positions as Elementary school teachers, accountants/auditors, computer software engineers, network systems administrators, personal financial advisers, database administrators, and civil engineers are among those with bachelor’s degrees who will find the greatest numbers of new job vacancies. There’s bound to be a job position you’ll love with all the options available now. Instead of being in a rush, relax and enjoy the journey on your job search.

It is always such a relief to get notepads or prescription pads from your doctor. Any appointment with your doctor is incomplete without your doctor scribbling something on his custom notepads. It is as if, the notepad or prescription pad is the cure itself. But have you ever wondered where doctors will be without their ubiquitous custom notepads?

Notepad printing to a doctor is like a chisel to a sculptor or a measuring tape to a civil engineer. Aside from the ever present stethoscope dangling from your doctor’s neck, notepads make up the overall image. Notepad printing gives the doctor the authority to prescribe medicines that will eventually cure you of your illnesses.

There are other professions which could use the help of a notepad. Lawyers for instance can have custom notepads designed for themselves. Aside from their measuring tapes, engineers and even architects use notepad printing to scribble measurements or instructions to their foreman. They can even use it to jot down progress report for their clients. In many instances, notepads are good marketing tools not unlike brochures or flyers or even business cards. As such, notepads should be designed properly to maximize its potential to create more business for you.

Consider the following tips in designing your notepad printing:

1. Your Name Should Stand Out. If you are engaged in a solo profession or private practice, your name should be the most visible object in the notepad. It creates the image of authority and trust. It should be printed in a way that it can be easily read. Refrain from using those cursive fonts because it is sometimes very difficult to read especially to non-native speakers who are more used to reading characters. Use common fonts such as Times New Roman or Arial and consider making it bold.

2. Use Logos if Available. Logos give some sense of affiliation. A doctor who is connected to a hospital might want to include it in her notepad. A lawyer who is a partner in a law firm might include the law firm’s name. Logos add some credence to the person’s reputation so if it is available, always include it in the design.

3. Make it a Mini-Resume. Your custom notepads might include your credentials. A doctor can include his credentials or affiliations. A lawyer might include his specialization. Credentials on notepads are good because it speaks about your background. It suggests professionalism and adds credence to your practice.

There are a lot more you can do with your notepads but always remember your purpose: market yourself.

Did you know that there are over 1 billion people with Internet access around the world? The online business has such huge potential and is a opportunity not to be missed.

If you are not making good money with your affiliate marketing campaigns then you are not doing some things right. One the things you might be doing wrong is promoting bad products. If you promote products that do not sell well, you will not have a chance of succeeding with it no matter how much you pre-sell or how much traffic you send there.

Picking a winning product is however a problem for many affiliate marketers. They pick products to promote just because some people they know are promoting it.

Here are some tips to pick a winning product that can earn you passive income.

1. Does it give you recurring income?
There are some programs that give you recurring income. Such programs are good for building long term passive income. You only need to put in the effort to sell it once and you get to earn recurring income thereafter. Usually membership sites will provide recurring income.

2. Does the sales page make you want to buy
Take a look at the sales page. Determine if you are tempted to buy the products for yourself. If you are not convinced, there is no way you can convince others to buy. Make sure the sales page look professional and genuine testimonials are given on the website. A professional sales page gives visitors the confidence to buy the products.

3. Do you have knowledge and interest in the product
Trust me, I have tried this before. If you have absolute no clue to what the product is and you have no interest in it, it is difficult to develop a passion to sell this product. Not only will you have no passion, you will not have the confident to sell as well. So choose one product that you are comfortable with.

Once you have a winning product, be determined to make it work for you. Do not give up and keep upgrading your skills. Most importantly, you have to keep trying and you will be well on your way to earning a substantial passive income!

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Business Owners, who are thinking of establishing an employee benefit trust [EBT] as part of their tax mitigation strategy, find it difficult to obtain appropriate advice on “best practice” as opposed to commission led product advice. Employee Benefit Trusts are a much specialised subject and very few people are able to give the proper advice that you require at an economic cost.

The first objective is to for us to determine with you, what you, the Business Owner wishes to achieve, your objectives for you and your business and whether this might best be achieved by using an EBT as part of your tax planning strategy,

Basically an employee benefit trust is set up by a company that wishes to provide enhanced benefits to its employees. It can be an excellent mechanism, for this but you need advice to ensure that you extract the maximum efficiency from the arrangement. You need advice on the employee benefit trust on such matters as:

In which jurisdiction is the trust going to be resident?
Establish and obtain advice on the tax treatment of the contributions
The way that the benefits will be taxed when they emerge from the trust

People seeking advice on setting up such a trust find several of the experts have made it seem like a cure all for their taxation ills. It is not. It can become an administrative nightmare

Without proper advice, an employee benefit trust can become a “millstone” around the neck of your company. The principal uses of employee benefit trusts include:
For tax efficient succession planning
For the provision of tax efficient loans to Directors and
Enhanced EBTs can be used to shelter investment gains subject to certain conditions
The advice on employee benefit trust from your tax advisor should cover such matters as:

Funding
the consequences of beneficial loans
Inheritance Tax
Other tax mitigation

In short an employee benefit trust set up and run properly with proper administration in place is a benefit to a company. Without advice it will become a nightmare to the owners.

It is to be stressed that the average accountant and IFA is totally unaware of the dangers and of most opportunities of these trusts. Most will just rely on standard documentation, find you a Trustee whose efficiency is not known, pocket a substantial fee and leave you to “sink or swim” on your own.
So if you are thinking of setting up such a trust, you will require advice on employee benefit trusts. We have more than 30 years experience of setting up such trusts ranging from companies with 3 or 4 employees up to large corporates.
If you would like further advice please call for a no obligation initial discussion to discover how you might mitigate the effects of paying tax at 61% from April 2010, please contact us or ask for a free fact sheet.
Asset Preservation Partnership LLP
Woodlands Farm Cottage, Woodlands Lane
Windlesham Surrey-GU20 6AT UK
c.

Website polls indicate that many aspiring health professionals are tempted to pursue a career as nurses because of the level of nursing salary nowadays. Before the need for health professionals such as nurses boomed at this echelon, nurses and aids were never the types of careers that were chosen to pursue by many. Such professions are considered noble for they are required to be always available to serve their duties even if it means being away from their families for most of their lives.

Because of the demand for nurses all over the world, competitive salary packages are being offered to those who will qualify for hiring. Since the need for nurses have dramatically increased for the past years, nursing became one of the most famous college courses preferred by students. Economies of countries that rely on overseas workers’ remittances were further strengthened in the advent of the exodus of more experienced nurses. The great opportunities on other nations have led nurses to leave.

Nursing salary data indicate that a newbie nurse working in the US can earn a minimum of $30 per hour which is estimated to be $6000 per month, exclusive of overtime and differential pays. The compensation package offered to a nurse depends on the expertise, experience and the health institution that he or she is applying at. Prominent hospitals offer more competitive salaries to its nurses but stringent screening have to be taken by hopefuls before qualifying to the limited slots of vacancies that they have.

As medical advances push every health institution to adapt best practices in providing in health care services, doctors and nurses alike are challenged to upgrade their knowledge and capabilities to be able to become more globally competitive. The requirement to take and pass numerous eligibility examinations are just some of the measures done by nurses’ association throughout the world to ensure that nurses are given necessary updates and competency to continue practicing their profession. These examinations and continuing education are additional costs on the part of the nurses, but as they say, their salaries are more than enough to cover those costs.

Health professionals do play vital roles in every community. Apart from the fact that nursing salary is very tempting for one to consider entering into this profession, future and present nurses find that dedication and dignity are the most important aspects of this job. Caring and giving hope to someone whom you don’t know is a work worth remembering and enjoying.

Employee and time are two important factors that are most essential in our business organization. If employee is not in working hours than business will significantly reduce an incredible number of profit. Because time have very important factor for companies productivity. But it is not possible for the company to keep an eye of their employee every time, so this problem can be solve out by employee tracking system software. Tracking software every time tracks the employees activities. It give all the detail of company .
An Employee Tracking System provides you to observe your staff member’s action through their company mobile phone. You can keep an eye on their phone book contact, call history, direction and more. Basically .you can know what your employee is up to during their working hours. Tracking software is completely lawful and easy, with the help of tracking system you can easily know about your lazy employee and great way to become your employees hard worker. The Company would generally want a system that would be effective, affordable cost and have direct investigation of employee .LiveonMap Employee tracking system is an innovative way to accomplish these objectives while effectively monitoring presence, time records, tasks, and efficiency. It is also efficient in assisting with personalized and group objective and efficiency establishing.
These are the features that included in employee tracking system are as follows: you can assign work to your employee, auto fill up task ,salary manage anent, able to give grade to your employee according to their work, making schedule and alert on every event.
Employee Tracking System Advantage -:

Employee Attendance:
The employee tracking system has the record of employee’s attendance.
Automate Reporting:
You can know about your employee that what he was doing even if you are out of the office.
Maximize Efficiency:
You can minimize the human error by installing employee tracking system.
Gain more flexibility:
Employee tracking System provide you advanced features with batter flexibility.
Weekly Report:
You can get updates according to your requirement.
Increase Productivity:
Strict observance of your time is vital for employers to manage their productivity well. Having a worker time following tool at work are going to be AN economical means of checking on workers’ effectiveness and productivity.

Through Employee Tracking System Software, business organizations are easily track their employee unit from many miles away by which they can easily make their employee payment according to their work.