4 Ways HR Can Save Your Company Money

Amid new fears that China’s financial problems will bring the global economy plummeting again, more and more companies are looking for ways to save money in order to protect their bottom line. From cutting back on energy to seeking cheaper materials, small businesses around the globe are trying to trim expenditures to the bare minimum. There are actually some ways your Human Resources (HR)  department can help you cut back on payroll going forward.… [Read more]

Presidential Frontrunners vs. Small Business Owners

American culture is hardwired to exalt the small business owner, and with good reason: small businesses added two-thirds of the three million new jobs created in 2014.

As a result, any cogent political philosophy will pay close attention to the needs of America’s legion of entrepreneurs and small business owners.

The 2016 race is no different.… [Read more]

What’s Changing For Medicare and Social Security?

For millions of Americans, Social Security, Social Security Disability, and Medicare is a crucial part of their livelihood, but it can also be extremely confusing to understand. Recently, President Obama signed into law a bipartisan budget bill that changes Social Security and Medicare. Regardless of what side of the political aisle you’re on, it’s important to know and understand the changes that were made and how the changes will affect millions of Americans.… [Read more]

Reduce The Risk of Getting Fixed: Solving Unsustainable Social Security Trends

It’s not secret that Social Security isn’t and won’t be around forever unless major change takes place. In fact, more than one-third of retirees rely on their social security for 90 percent of their income, reports AARP. The Social Security scare doesn’t only apply to your beloved parents and grandparents, it applies to people who are receiving Social Security disability (SSD) benefits.… [Read more]

Why Are More Americans in Need of a Budget?

Financial woes are burdening the majority of Americans, which is why it’s more important than ever for people to get their budgets on track.

If you’re a victim of today’s sluggish economy, then it’s time to turn things around by making your personal budget your top priority.

With money management in mind, here are just a few tips that will help you steady your budget and make your money last longer:

Personal Budgets and the Economy

If you’re still feeling the fallout from the financial crisis of late 2007 and 2008, you’re not alone.… [Read more]

The True Cost of Cashing out Your 401(k) – And Some Better Options

A leaky roof, a damaged septic system, a child getting ready to go to college—if you are facing any of these expensive propositions, you may be thinking about taking money out of your 401(k). Before you call your HR rep, check out the true cost of tapping your retirement account and these valuable alternatives.

You’ll Pay Penalties

If you are under the age of 59.5, you can withdraw money from your 401(k) for hardship distributions.… [Read more]

The Crisis in Pensions and Retirement Plans

Despite being considered the financial centre of the world, it’s still very possible for the United States to learn from other countries. See the infographic below; it presents a brief history of retirement plans in the U.S. including state and local government pensions and Social Security. Now let’s put things in perspective: Countries with strongest pension programs (based on 2013 pensions, both public and private) rank the U.S.… [Read more]

Retirement Saving: Steps for the Sandwich Generation

Maybe you’re one of those people who has two major responsibilities right now – your kids and your aging parents. Of course, your folks can probably depend on Social Security and their personal retirement funds for a little while longer, but your children are wholly defenseless. At the same time, you have to start seriously considering your own future savings.… [Read more]

Ask Mrs. Vera: Should There Be a Mandatory Retirement Age for the House and Senate?

Dear Mrs. Vera,

Should there be a mandatory retirement age for the House and Senate? This Congressional Afterlife Country Club I joined is letting just anyone and everyone in.  I’m thinking of coming back from the dead and running for office in South Carolina.

Regards, Even though I hate your work and everything about you, The Hoovering-Around-The-Set-Of-A Scooby-Doo™-Cartoon Ghost Of Jesse Helms.… [Read more]

Immoral…

Religious leaders have called it immoral; some have even suggested that Jesus himself would oppose it. Various leaders of the Republican party have opposed it and even David Stockman, Ronald Reagan’s budget director, called it a fairy tale. Many on the left have referred to it as ‘austerity on steroids.’

What has all of these different people so upset?… [Read more]

When I’m 64…

We all think about what getting older means. What do you want to do when you’re 64? And beyond?

Planning now will help ensure that a good future awaits. And, with the best leaders in office, the ‘system’ will be strong and this country will see fit to make sure that our people are cared for — men and women.… [Read more]

Retirement Planning In A Nutshell

Fifty years ago, there was one type of retirement plan: a pension.  And once you retired from your company with 25 years of service and a gold watch, you received a steady paycheck for the rest of your life.  Today, there is a dizzying array of choices, and let’s be honest — very few of us are retiring with 25 years of service from anywhere.… [Read more]

Retirement Planning

The Democrats have a platform that says they're committed to making it easier for Americans to save for retirement on their own. What does the Republican platform say other than 'SCREW YOU, YOU'RE ON YOUR OWN? Well, of course we all have to save on our own; many corporations kicked us to the curb ages ago when they decided that pension funds... Read more...

Labor Day is Here…

Labour Day is here.  Actually, I’m in the U.S. and here it is LABOR Day;  no ‘u’ in Labor so I’ve dropped my traditional British spelling).  That’s probably appropriate because the United Kingdom/England doesn’t celebrate Labor Day as a holiday to unite workers and further the cause of the working person.  Hmmm….they need to change that…good jobs are the ultimate riot-prevention tool… [Read more]