How Combined Insurance Policies Reduce Business Costs

Many combined policies can save your business money. For example, combining different insurances such as for vehicles, premises, business interruption, and liabilities. Different insurances are, for instance, combined with motor trade insurance, for those working in this type of business.

In areas outside of the motor trade, the combined insurance policies reduce the cost of insuring both buildings and contents used for commercial activities, which can be expensive. If you’re willing to look at combined insurance policies, there are various ways in which they will help you save money on costs associated with your business.

Discounts When Using One Insurer

Did you know that combined policies often give you a discount for insuring multiple items with the same insurer? This is because it’s cheaper for the insurer to insure one customer for several items than it is to provide insurance for several customers insuring one item each.

In a domestic situation, you might include a multi-car policy where a home has a second or third vehicle to insure. In business, that might mean insuring a fleet of vans instead of insuring each one separately. Insurers identify the reduced administration costs and the convenience of lots of insurance plans all being packaged together. Many of the same questions will, after all, be asked when policies are set up. It is good, too, where renewal dates are kept the same and in sync for different policies in terms of remembering when they are due.

Higher Excess Option

Another way in which combined insurance policies can help reduce your business costs is by giving you the option to pay a higher excess. This means that you would be responsible for paying the first part of any claim, up to the excess amount, before the insurer steps in to cover the rest. This option is available with a combined policy just as it is when you insure separately. Some excesses might be compulsory ones, while other ones are voluntary that you have opted for to reduce the premium you pay.

While accepting a higher excess might seem like a risky proposition, it can work out cheaper in the long run as it reduces the overall cost of your premiums. Of course, you need to be sure that you can afford to pay the excess in the event of a claim, but if you can swing it then combined insurance policies could save you a significant amount of money.

Motor Trade Insurance

When it comes to combined insurance policies, motor traders can benefit greatly from the cost savings. A motor trade insurance policy can help a business in the motor trade to save money on both its property and liability insurance costs. This is because a combined policy typically offers discounts that are not available when purchasing policies separately. By combining coverages, businesses can save hundreds of pounds on their yearly insurance costs.

Businesses in the motor trade can find combined insurance policies that cover everything from vehicles and machinery to tools and equipment. In some cases, businesses can also find policies that cover their premises and stock. By bundling all of these coverages together, businesses can save a significant amount of money on their insurance costs.

The types of insurances contained within a motor trade policy include:

  • Third-party road risks.
  • Damage to a business’s vehicle or a customer’s vehicle while being driven or worked on.
  • Property cover in terms of fire and theft.
  • Business interruption.
  • Legal expenses.
  • Employer’s liability.
  • Public liability.

 

So, if you’re looking to reduce the cost of insuring your business, combined insurance policies are worth considering. In particular, a motor trade insurance when cars or vehicles are your business. Just be sure to shop around and compare quotes from different insurers to make sure you’re getting the best deal possible.

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How to Work with a Recruiter

Recruiters are surprisingly important, and not just for finding jobs. Recruiters can be helpful when you’re looking for other jobs, too-especially when you’re feeling stuck on a career track or wondering if you should change careers altogether. So, how can you work with a recruiter? How can you make the most of the recruiter relationship? And how can you get the most out of the recruiter network? This article will help you find out.

What is a recruiter?

Recruiting, or finding and hiring new employees, is a vital part of the business. If you’re a manager or HR professional, you’ll be spending a lot of time talking to recruiters. If you’re a software developer, you’ll probably be talking to recruiters related to your work. A recruiter can be a recruiter for a company, a recruiter for the advertised position, or a recruiter who works in your industry.

Recruiters are the people who call for interviews and later find out if the person that has caught their eye is a good fit for the company’s culture or not. When I was looking for a job back in the day, I had a really bad experience with a recruiter. As a result, I couldn’t bear working with one, and I’ve spent years trying to get past that. But, I do have some advice for anyone who wants to work with a recruiter: make sure you express your needs clearly and ask questions about the company.

  • Ask some questions

Recruiters exist to do one thing: to help you land a job. But what if you’re not sure what you want? Or, what if you need to change your career path? Or, what if you’re just not sure how to get started? Then ask the right questions.

  • You need to be honest when working with a recruiter

You need to be honest if you are interested in working for a company, the best way to do so is to find a company that suits your skills and personality. However, finding that perfect company can be challenging. That’s because companies aren’t always as straightforward as they appear to be, and recruiting can be a very tricky business. Also being honest could be necessary as some recruiters and companies conduct background checks (with the assistance of firms like Checkr) of the candidate for previous employment, drug abuse, criminal record, etc before hiring them.

That’s why, to help you find the best company for you, we have put together this guide. By following the tips we share here, you can ensure that you have a successful and rewarding job search.

  • Your recruiter will not do your part, so do not expect to

If you already have a good job and a supportive boss, you don’t need a recruiter to find your next one. However, if you are still in the job market, you’d be well-served to identify the attributes that make a good recruiter stand out from the pack. And to be clear, you don’t necessarily want a recruiter to do all the work-you just want to know what makes a recruiter great.

Here are 5 things you should look for in a recruiter so that you can work with the best one for you.

One of the most frustrating things you can experience is having your applications sit on a recruiter’s desk for months or even years when it comes to finding a job. It doesn’t happen to everyone, but it happens too often. The “tried and true” way to get past this is simply to apply for the positions you want and wait to hear back. But what if there was another way?

Recruitment is a core part of company culture and a critical part of making work a positive experience for all your employees. Working with a recruiter allows you to access a wider pool of employees and helps streamline the process of finding and hiring the right people. Recruiters are a great resource-they help you connect with the people you need to find and hire, and they give you a lot of insight into your current and potential employees. If you decide to work with a recruiter, here are a few things to keep in mind to make your experience more enjoyable.

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How to Successfully Recover from a Layoff

When you are laid off from work, you get a sense of loss. You feel alone, don’t know what to do, and wonder why this has happened to you. It may seem like the end of the world, and at times it will feel that way. In fact, your life will likely go on; you just need to get through. Read more.

Job loss: It’s Upsetting, and it Hurts

There is no question that job loss hurts. Nobody wants to face the panic, stress, and uncertainty that comes with being laid off. Most people who lose their jobs face serious consequences, such as a higher rate of unemployment and the loss of income. The worst part—and many experts agree—is that it’s all too common. There are countless stories of people losing their jobs, only to discover that they’re in worse shape than they thought.

It happens to all of us: you get laid off, you’re sad and depressed, you’re worried and anxious, you’re angry. You wonder if you’ve lost it and if you should just give up and go back to work. But here’s the good news—you don’t have to give up! You can get back on your feet, find a new job, and get back to your normal, happy, successful self.

The more you know, the better job you can do to get back on your feet after a layoff. So, we’re starting with the fundamentals: unemployment is not a crime, you probably should not spend the money you don’t have, and you might want to look into a career in the sciences.

Tips For A Successful Recovery From Layoff

After a job loss or layoff, it’s normal to feel anxious and upset. You might be worried about finding a new job, or you might be stressed about money. While some people cope with the situation by just focusing on the positives, others find it easier to feel better by venting their frustrations. For those who find venting helpful, here are some tips to help you get over the difficult feelings after a layoff:

  • Set a realistic goal and stay focused on that goal until you achieve it. After a layoff, it can be tough to adjust to living without the paycheck you used to earn. You need to make a plan to get you through this tough time and make you get back on track. One of the most important ways to do this is to set a realistic goal and stay focused on that goal until you achieve it.
  • Reach out to friends and family to help keep you motivated. Although it is unfortunate that you have been laid off, it is important that you take steps to remain positive throughout the process. [Your] most important task is to reach out to friends and family members to help keep you motivated as you seek to transition to a new career.
  • Take advantage of the resources available to help you find new opportunities. As you are recovering from a layoff, you may feel unsure about your next steps. There are many possible outcomes for your next career steps, and you may find yourself feeling hesitant about the ones that show up on your radar. But finding new opportunities is never easy, and there are many resources available that can help you take the first step.
  • Learn how to make the most of your existing resources to help you succeed. Over the past few years, layoffs have become more frequent and more pervasive, causing many to face the possibility that their career is over. But it doesn’t have to be. Following a layoff, you have the opportunity to reinvent yourself and to begin the process of achieving your goals. It’s so important to be proactive about your transition to the new job, and the first step to take is to learn how to utilize your own resources to help you succeed effectively.
  • Take immediate action to find a new job. Being laid off is always upsetting, but it’s important to recognize the difference between job loss and voluntary job loss. In most cases, you’ve been told that your company has to stop doing business with you. This may be a shock, but you should not try to seek revenge against your company. Instead, you should take immediate action to find a new job.

Losing a job can be a devastating experience, with accompanying feelings of despair and anger. A layoff can be especially difficult, and it is important to know how to find the courage to move forward and get back on your feet.

 

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How To Sharpen A Knife

Knives have been around for millennia and have been the tool of man from the dawn of time. Today, there are so many different types of knives available to us to help us in so many different ways. So what is a knife?

In short, a knife is a tool. In the simplest of terms, a knife is a tool that is used to cut. When we refer to a knife, we usually mean a type of knife that is designed to cut things, whether it be a chef’s knife, a butcher’s knife, a utility knife, a hunting knife, or a survival knife. A knife designed to cut is a knife that has a sharp edge on one side of the blade and a sharp edge on the other side of the blade. A knife with a sharp edge on both sides of the blade is called a double-sided knife.

This is a culinary tool to help us prepare food, and a decorative piece of art, to decorate our homes and other spaces. It is a tool that helps us in many ways to help us in many ways, and that is what makes the knife such an important part of our lives.

It is a common misconception that the only thing that separates a knife from a fork is that one is long and short. The truth is that knives and forks come in a wide variety of shapes and sizes, and all of them can be used for many different purposes—from cutting and slicing to chopping and mincing and even serving and serving up.

You probably already know how to sharpen a knife. When you cut a piece of fruit with a dull knife, you start by carefully scraping the serrated edge of the blade with a sharpening stone to remove the nicks and burrs that build up over time. With a little practice, you can sharpen a knife in a minute or two, and the results will be the same as those obtained by professionals with years of training. It is important to remember that honing a knife with a sharpening stone is an art and not a science. You can sharpen a knife so that it is razor-sharp, but you can also do it so that the blade is no longer sharp. It is a matter of personal preference and skill level.

To sharpen a knife properly, it is important that the knife is held correctly, with the blade facing down. Hold the knife at about a 30-degree angle, with the blade facing the ground and the bevel should be facing up. You will use a leather belt or similar object to hold the knife. Be sure the blade is sharp first. Otherwise, you will risk dulling the knife.

Many people want to know how to sharpen a knife. There are many techniques that people use in order to sharpen their knives. However, many of these techniques are not effective. If you are looking for a way to sharpen your knife, here are some tips that can help you with sharpening your knives.

Tip 1: There are many types of stones available to you when you are trying to get the right stone when sharpening a knife. Each type of stone has its pros and cons, but there are two main categories of stones in general. A harder stone will result in a finer edge, while a softer stone will result in a coarser edge.  There are pros and cons to each type of stone. Harder stones are made of very fine silica, while soft stones are made of softer minerals. Harder stones are typically finer, so they require more pressure to cut, but they are very sharp when done correctly. Soft stones are usually coarser, so they require less pressure to cut, but they are dull unless you sharpen them often.

Tip 2: The best way to test the sharpness of your knife is with a blade test. A blade test will show you which angle of the blade is sharpest, which is the most important information you need to know about the sharpness of your knife. When you are sharpening a new knife, it is very important that you do a blade test.

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Benefits of Owning an EV

If you have ever wondered what the advantages are of having an electric vehicle (EV), you are not alone. Many people are considering getting one but are not sure how they will benefit from it. Electric Vehicles (EVs) are a relatively new thing. They are still in their infancy, but with time, they will become more and more popular. In the past years, EVs have grown significantly, and over 100,000 EVs were sold in 2014 alone. The main reason for that is that charging an EV is much more convenient than charging a gas-powered vehicle.

An electric vehicle is a car, motorcycle, or tractor that runs exclusively on electrical energy stored in rechargeable batteries. These batteries are charged from the power grid and can also be charged by using a home outlet or the regenerative braking on many electric vehicles.

Benefits of EV

Electric Vehicles (EVs) are here to stay. By now, you should know that EVs have numerous benefits, including considerably lower operating costs, increased safety, and reduced emissions. In addition, if you can charge your car at home, you can also take advantage of the cheaper fuel and maintenance costs that go along with that. You could approach service providers such as Aardvark Electric – Trusted electrician in Atlanta, GA to come take a look at your home’s electrical system, and see if an EV charging station can be installed. With these cost savings and benefits in mind, it’s no surprise that EVs are becoming more popular, and they’re not just being used for luxury cars: the new Nissan Leaf is the most popular EV in the country, and the Chevy Bolt is one of the most popular models of EVs.

Smart cars are here to stay, and the benefits of owning an electric car are undeniable. The fact that nearly all electric cars on the road today have a range of more than 200 miles per charge makes it easy to justify the expense of owning an electric vehicle. After all, who would want to drive a car that only gets 150 miles on a single charge? Owning an electric vehicle (EV) is one of the greatest decisions you can make. They can cut your gas bill by up to 90%, which is why they have become the fastest growing form of new vehicle sales. They are cleaner and more efficient than gas-powered vehicles, and they are great for the environment.

How do you decide if an EV would be right for you?

This is a question that I have been asked many times by many people. I know that it is important as the decision is one that will affect your life for a long time to come, so it is not something that you can just take lightly. The EV market is still young, so we can expect to see a lot of changes in the coming years. That means there are a lot of different options for people who want to buy an EV, but they have to decide what kind of EV might work for them. Electric cars differ a lot, depending on the power source (battery-electric, plug-in hybrid, or hydrogen fuel cell) and the electric range. Plug-in hybrids have a range of 30-100 miles on a single charge. Battery electric cars are more like the Chevy Volt, with a range of up to 150 miles. Hydrogen cars are even more of a niche but have the highest range of all the EVs at about 400 miles.

Few people think about it, but the decision to buy an electric vehicle will ultimately be one of the most important decisions you will make in your life. Government fleets and other businesses are also adopting electric vehicles for their transport fleet. Transitioning to a zero-emission policy can be tricky and they might get the help of an ev consultant to be compliant with the concerned regulations. Of course, when it comes to individuals, the decision on whether to buy an electric car will be the same as any other purchase, where you have to weigh the pros and cons. The decision of whether to purchase an electric car is based on several factors.

Electric Vehicles (EVs) are getting more popular by the day, yet they remain relatively novelty items for the average Joe. That is changing, though, as more and more automakers are making EV products available to the public, with interesting features and surprising prices. One of the new EV models that recently hit the streets is the Chevy Bolt, which is already a hit with many EV owners. Despite its low sticker price, the Bolt is packed with advanced features that justify its higher sticker price and make it a solid choice for many drivers.

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Loving Yourself When You Have Depression

Depression affects millions of people worldwide. Its effect can span an entire lifetime, and for many, it is a painful, often difficult, and debilitating condition. Depression affects approximately 350 million people worldwide and is the leading cause of disability worldwide. If untreated, it can be dangerous or even fatal. This is why it needs to be taken seriously.

It is a serious medical condition that is often misunderstood. Depression is characterized by a persistent, sad, or hopeless mood or loss of interest in things that normally provide pleasure. It can cause a range of physical changes and can overpower a person’s sense of worth and personal value. It can interfere with a person’s ability to function in their everyday life.

Despite the wide variety of different symptoms, there’s no single test that can give an accurate diagnosis. Many people who have depression also suffer from other conditions, such as anxiety, so it’s important to have an idea of what your diagnosis might be. It is difficult for those who suffer from depression to live with, and it’s important to remember that depression is a treatable condition that can be managed with the right treatment. You may find the right treatment for your condition on websites similar to low price bud.

Depression and depression-like conditions are the most common, but other conditions like bipolar disorder, schizophrenia, and phobias can also be debilitating. Depression can make a person feel worthless, unlovable, and even completely worthless. It can make you feel hopeless when you try to lose weight, feel hopeless about your dream of becoming a writer or feel hopeless about your relationship. And it can affect your attitude towards all the other things you care about. But this does not have to be a permanent state of being. There are many ways to fight depression, but the most effective way is to love yourself. You could also try smoking up with the help of various accessories such as a bubbler (to know more, check https://thefreezepipe.com/pages/bubbler) or bong. These might help in the long run, if consumed after consulting with a doctor.

If you have depression, others have probably told you to love yourself as they know it best. But what if they are wrong? Maybe you need to love yourself differently, more than you have been told and more comfortable with. Perhaps you need to be more open to the possibility that you are not a bad, bad person, that you are not a failure, and that there is nothing to be ashamed of. For us, loving yourself is a process of awareness and acceptance.

Depression is an illness, but one that can be treated and lived with. As the years have gone by, we have seen progression in the different types of treatments that are offered to those who may be suffering from depression. Online Therapy in Oregon and speaking with a professional is one of the most popular pathways to consider as conversing with someone who has been trained to listen is a great way to relieve all the emotional pressure that is taking a toll on your mental health. Once done, you will see a significant difference.

Self-love is another step in that process. If you love yourself, you will take care of yourself and treat yourself with the same kindness and respect you would treat a loved one suffering from depression.

Loving yourself can be hard with depression because of the many false myths and generalizations about depression. One of the most popular myths is that people with depression somehow do not love themselves. The truth is that people with depression do love themselves and are well aware of it. But the condition affects their ability to love themselves in a healthy way. And while it is impossible to love another person without first loving oneself, loving oneself in a healthy way is possible. The ability to love oneself can be elusive, but with the right approach, it’s something that can be accomplished, even in the midst of depression. One way to go about it is by having magic mushrooms (find them on sites such as get kush). A lot of studies suggest that the psilocybin found in mushrooms could be a good alternative to treat depression, rather than trying the traditional form of medicine.

Why is loving yourself important? Well, if you don’t, then you’re not likely to get the things you want. This is because, as humans, we are driven by what we want, and we form opinions and make decisions based on what we want. If you don’t love yourself, then you’re unlikely to get the things you want and you’ll be unhappy and frustrated and will find reasons to feel bad about yourself. We think it’s important to love yourself because when you love yourself, you’re motivated to try and be better, and when you try, you’re likely to succeed (at least in the long term), and also, when you love yourself, you’re likely to be happier in general.

The idea of loving yourself is one of the most important concepts in life. If you are struggling with depression or are dealing with some other form of mental illness, learning to love yourself can go a long way to helping you overcome your challenges. Losing yourself in the process of loving yourself is actually called autotelic love.

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Excellent Ways to Keep Your Career Moving Forward

When you hear someone talk about how they are going to take their career to the next level, what do you think of it? Is it more likely that they will be talking about the things that they have done in the past to keep their career moving forward, or more likely that they will be talking about the things they are going to do in the future that will help their career move forward?

It’s no secret that the job market is changing. The future of the job market is heavily dependent on the kind of skills you have currently, and to advance beyond the current job you are in, you will need to keep working on your skills. What are the excellent ways to keep your career moving forward?

You And Your Career: Keep Moving Forward for The Better

Life is full of decisions and moments that can determine your path. The most important one is the decision to commit to your career. A career is a lifelong journey that requires special attention and consistency. Here are some of the excellent ways to keep your career moving forward:

  1. Keep updated with what’s new and trending.

We’ve all been there. We see a job posting, and it seems a pretty good fit. We have our interview, and we get the job. But then, a few weeks or months later, we’re conducting interviews, making the rounds at conferences, and generally getting caught up in the daily grind.

Whether you’re in the middle of a new career phase or just need to keep your skills sharp, it can be hard to know what to do next. One way to keep your skills sharp and keep moving forward is to check out LinkedIn regularly. You can find out what your peers are doing and what you aren’t. Consider one of the ways to keep your career moving forward and keep your skills up to date.

  1. Continue cultivating your network

When it comes to keeping your career moving forward, a large part of that is cultivating your network. After all, where there are people, there are opportunities to network, even if you’re not at the point of needing anything from them. So, how do you cultivate a thriving network? It’s about taking the time to connect with others, even when you don’t see a need for it. It’s about being willing to reach out to people and watch as the connections are made.

  1. Always keep your resume handy

In today’s world, employers are hiring like crazy. Thus, it’s essential to have a resume that captures what makes you a great candidate. While your resume is not a legal document, it can be incredibly persuasive to an employer. If you focus on writing an excellent summary, you can create a resume that stands out from the crowd. You can get additional assistance from expert writers who can create a professional profile for your resume and mention crucial skills and competencies. Such services can write in a brief manner to pique the employer’s attention. You can obtain a similar facility through companies like ARC Resumes in TX or another city by contacting them online.

Keeping your resume updated is a simple yet useful habit that will help you land new positions and keep your career moving forward. Having your resume at the ready gives you confidence.

  1. Work on skills that are in-demand in the future

Career advancement may not be the top of mind for many in today’s economy, but it’s not too late to take care of yourself and your future. It is important to keep moving forward. Good communication skills, writing, and presentation skills are important to get those promotions, raise your salary, and secure that job in the future.

  1. Think positive

In your own personal life, you know that it’s important to have a positive attitude. Positive thinking can help you tackle the hard stuff, and it can help you achieve more in everyday life. The same holds true in your career. If you think positively, you will be more likely to get a job that’s in line with what you want. If you can get a job that interests you, you’ll be that much more likely to excel at it. Negative thinking can hold you back.

While many of us would love to get everything we’ve ever wanted out of life, we assure you that a long-term career is not one of those things. Technology has made it easier than ever to pursue a different career that combines your interests and abilities in the past few years. You may want to get a few years of work under your belt at first, but the goal is to keep your career moving for the remainder of your working years.

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Money and How the Economy Affects Its Value

The value of our money is determined by factors such as interest rates, exchange rates, and inflation. Money can easily lose value if the economy is performing poorly and international trade is taking place with countries that have stronger currencies than ours.

With all this in mind, we shall think about just how the value of money is affected by what is going on in the world.

 

World Economies

It is what is going on with the global economy which impacts interest rates and inflation, whilst the currency exchange rate becomes the factor that indicates the economic health of a country.

A currency that is valued higher will mean that a country’s imports are less expensive whilst its exports are more expensive. This means that traders in the country with the higher value exchange rate benefit financially, but only if they can sell their product which becomes more expensive. Also, these rates affect investor confidence when it comes to investing in a certain country or currency. Nobody wants to see their investment become worth less.

A strong currency is also beneficial for people who like or need to travel abroad. Whilst a weak currency is good for jobs, it is not good for those who travel internationally or use imported products.

Britain and the US invented “protectionism”. In the late eighteenth and early nineteenth century, Britain had the most protected economy in the whole of the capitalist world. The protection would promote British manufacturers to allow them to compete with more superior European companies. The US would go further and develop a theory known as the “infant industry argument”, which would protect and nurture young industries until they were in a position to compete on the world stage. The man to thank for that was Alexander Hamilton, the first Treasury Secretary of the US, who would subsequently appear on the ten-dollar bill.

 

Interest Rates

The Central Bank will react to predicted rises in inflation and raise interest rates. It is higher interest rates that will be responsible for moderating the growth of an economy. In this sense, they are artificial but still something everyone has to deal with. The effect of a higher interest rate is that it will result in a reduction in inflationary pressures and cause the exchange rate to rise.

Interest rates are considered a continuous battle with inflation. The only way that a saver can hope to earn a decent profit on their investments or deposits is when their interest rate is above inflation. However, as someone trying to afford a mortgage, you will want the interest rates to be lower so that the cost of borrowing is less. This is quite a balance to maintain and is certain to benefit some and create financial hardship for others.

 

Exchange Rates

Exchange rates are determined by the current account on the balance of payments and so are economy influenced. Other factors that determine them include interest rates, investor confidence in the markets, and an economy’s growth. For example, if any economy was worried about the future of its economy, it would tend to sell its currency, which would then lead to a fall in its value.

 

So, you can see how closely linked the state of the economy, interest rates, exchange rates, inflation rates, and the level of employment can be. It is not an easy task balancing all these so that an economy can prosper and everyone is kept as financially well off as possible.

The companies that are set up in certain countries will only be encouraged to stay in the longer term if they can trade at profitable rates with other countries. Whether or not they do will impact jobs. The confidence to invest will affect where the money is going and who is benefitting from that money. Interest rates affect the saving and lending of money in terms of returns on investments and the affordability to take out a loan or mortgage. Beneficial exchange rates are important to those involved in international trade or travel. All these factors working together makes for an economy a government can be proud of and something which will affect how electable they are in the future.

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Asking For a Pay Rise: How to Do It

Professionals tend to get paid more, but they also get stuck in a cycle of self-sabotage, making it almost impossible to be as successful as they wish. In our recent post “Treating the ‘Why Me?’ Problem”, I talked about how to ask for a raise, and today I want to talk about some different ways to deal with other kinds of self-sabotage. Ask for a pay rise, and you’ll be told you’re greedy, or too demanding, or you’ve been around too long.  But is it such a bad thing to ask for a pay rise? If you’re doing your job well, and if you’re behind your team, who’s to say you don’t deserve one?  Just because you haven’t asked doesn’t mean you don’t deserve one.  That’s the crux of the problem, and that’s the problem many find themselves in.

How much should you ask for in salary? Should you start by asking for a pay rise, and if so, when? When you ask for a pay rise, you have to be prepared to negotiate an acceptable amount, but is it possible to ask for more without getting a negative response? Is it wise to ask for a pay rise at the same time as asking for a pay review, or should you wait until after that has taken place?

Know the worth of your work

Imagine you’re working hard for your boss all week long, and you finally get a chance to ask for a pay rise. How do you know if you’re even worth what you earn in your job? The challenge is definitely not an easy one. Do you need to have a lot of experience to earn the promotion? Are the other employees in your department as productive as you? If so, are they paid more? Who decides what prices you, or your colleagues, should be paid?

Be considerate about your timing

Depending on your industry, the deadline for submitting your pay details may be up to several months before the official start of a pay period. If you’re an hourly worker, you could be waiting until the end of a pay period to ask your employer for a better wage. But if you’re a salaried worker, some employers may ask for a salary increase during the same period. The subject of a pay raise is a tricky one, especially if you’re asking for it. Not everyone is in a position to ask for a raise, so you may need to be creative. So, how can you beat the system? The most useful approach is to ask for a raise at the right time. If you ask for a raise too early in your career, your boss may not be willing to give you one. If you wait too long, you may have become a liability to the company and may only receive a much lower salary.

Do some investigations in your company’s salary structure

By now, most people have probably heard of the term ‘glass cliff.’ More commonly known as the ‘women’s salary. The term was coined to describe the phenomenon where female executives are more likely to be promoted to a position of leadership when the economy is struggling, and their company is facing hardship than their male counterparts, regardless of actual skills and qualifications. When it comes to negotiating pay raises, the advice you will get is ‘you ask, you negotiate.’ This is misleading. Most people don’t ask for more money. They should, but they don’t. Ask for what you deserve, and be prepared to negotiate.

Do you want to ask for a raise but are afraid you’ll be turned down? You’re not alone, according to a survey by Salary.com. 56% of us will ask for a pay rise in the next year to get more money in the next year, but only 39% are satisfied with their salaries. Another study by PayScale found that more than a quarter of us feel pressured to ask for a raise, but only 2% will ask for more money. Many people are unemployed or in positions that are underemployed. For some people, this means a full-time job that pays well, but for many others, it means that they are working just enough to get by, but they’re not working enough to live a decent lifestyle. For the underemployed, the path to earning more money can be tricky.

 

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