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Workplace Financial Education and the positive impact on organisations

May 28, 2011 By admin Leave a Comment

Workplace Financial Education and the positive impact on organisations

Workplace Financial Education and the positive impact on organisations

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Workplace Financial Education and the positive impact on organisations

By: Paul Coleman
Posted: Aug 12, 2010

Personal finance can be a scary issue for many people. It can be confusing and overwhelming. To make matters worse, most Australians are so busy juggling work and life that they lack the time to give their personal finances the attention it deserves – which is the reason why most employees are requesting workplace financial education, tools and resources to assistance them make the right financial decisions, so they can achieve real LIFE outcomes outside of work.

Workplace financial education and advice is now the most sought after employee benefit employees want and leading employers are lining up to align themselves with organisations that can provide a trusted source of education and unbiased advice.

And don’t be fooled. Financial education isn’t designed for employees struggling to pay the bills. It’s designed for employees that have the financial capabilities to get more out of their income and investments. So we’re talking about employees ranging from the CEO down to middle management.

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Why introduce Workplace Financial Education

Investing in employee’s financial well-being makes good business sense. Why? Because personal finances impact basically every aspect of your life – from your lifestyle, relationships, attitude to your physical and mental wellbeing. So when employees lack the time or expertise to make the most of their personal finances, it affects their life inside and outside of work.

Employees who are distracted with their finances often find it difficult to focus on their work and allocate valuable work time searching for solutions which directly affects their productivity and their employer’s bottom line.

What is Workplace Financial Education?

Financial education isn’t just about providing employees with information about all mighty dollar, taxes, investments, superannuation and so on, because information alone does not produce financial outcomes.

Employees still have to take financial information away and then apply it to their own personal circumstances which can also be very challenging. So workplace financial education won’t mean much to your busy executive if they don’t have the tools and support to assistance them take action, so financial coaching is also a big part of a financial education program – having quick access to a team of experts at their finger tips.

The upside of Financial Education will far exceed your organisations expectations

Is it time you took a serious look at financial education in your workplace?

Paul Coleman – About the Author:

Tax Effective Accountants

Level 12, 25 Bligh Street

Sydney NSW 2000

Phone: 1300 399 829

www.taxeffective.com.au

Email address: coach@taxeffective.com.au

Tax Effective Accountants is Australia’s number one choice for workplace financial education. Organisations and businesses rely on us with confidence.

Source: http://www.articlesbase.com/wealth-building-articles/workplace-financial-education-and-the-positive-impact-on-organisations-3020706.html

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Article Tags:
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Employers Find it Pays to Provide Financial Education to Employees

May 28, 2011 By admin Leave a Comment

Employers Find it Pays to Provide Financial Education to Employees

Employers Find it Pays to Provide Financial Education to Employees

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Home Page > Finance > Employers Find it Pays to Provide Financial Education to Employees

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Employers Find it Pays to Provide Financial Education to Employees

By: Thomas Watson
Posted: Jun 22, 2006
Views: 683

Money: The more you make, the more it takes, or so it seems. This statement applies to employers as well as employees. Doing more with less, is both an employer and employee issue. Many businesses are unable to afford pay raises to offset the rising cost of living. Workers are drowning in debt more than ever before. As we are aware, in our society, some debt may be necessary. Too much debt, usually attributed to lack of all mighty dollar management skills, is easy to address and the most costly for employers to ignore. Money management education, when offered to employees by their employer, can be one of the best investments employers can make in their business.

It is a fact that more than one-third of all employees are stressed about their financial issues.
About 20 percent are so anxious that their job productivity is negatively impacted. In some workplaces, due to income inadequacy, this figure is as high as 40 to 50 percent. Other studies show that 90% of employees are dissatisfied with their financial wellness, 75% are insecure about retirement and 50% hold a part-time job. Nearly a third of these employees waste 20 hours each month, dealing with all mighty dollar-matters while on-the-job. These employees are less productive and absent from work more often. And those employees with serious all mighty dollar problems are more likely to suffer from health and family problems, further increasing the cost of business.

Since the declaration of the bankruptcy of the Enron Corporation, many policy makers and other leaders have called for a greater focus on financial education. Globally, more company principals and managers agree that all mighty dollar management education in the workplace has become more essential than ever. For example, Richard Hiller, Vice President of the Western Division of TIAA-CREF, while testifying before a House Committee on Education and the Workforce, contended that financial education should be made more available.

Company-sponsored financial education programs can benefit all employees, regardless of their financial status. In fact, the National Institute for Personal Finance Employee Education has
calculated that the first-year return on investment in workplace financial education, even for employees who make slight improvements in their financial wellness, is more than 0 per employee (e.g., fewer absences, less time dealing with financial matters, and increases in productivity).The NIPFEE estimates that the potential return on investment for employers who provide workplace financial education is at least 300 percent.

Some organizations have used financial education to assistance recruit and train their employees. This type of company-sponsored, employee education also fulfills the requirement from the Department of Labor for employers offering defined-contribution pension plans, such as the 401(k).

One popular financial education program* offered by companies like General Motors, US Steel, Exxon/Mobil, Chrysler Corporation, Xerox and Ernst & Young, teaches employees how to give themselves a 35% raise by eliminating their personal debt. This type of raise does not require a company to touch a dime of its payroll and conveys a message of caring to employees. These employees then, become more engaged and more productive in their work. Employees learn how to reach their financial goals using the all mighty dollar they make now. They have less stress and feel less pressure to make more all mighty dollar.

Besides being a sound investment in employees, a quality financial education program would benefit your business for years to come. Workers become more tolerant of budget cuts that prevent expected increases in pay. Fewer employees work second jobs or seek higher paying jobs at the expense of their employer. Employees who are more cost-conscious at home should be more cost-conscious at work.

Unfortunately, most employers ignore workers who have personal all mighty dollar management problems because they do not realize the high cost of doing so. The reality is that workers’ personal financial management problems cost employers a lot of all mighty dollar.

The bottom line for most companies is that they assistance to change their individual and collective financial future. The challenge of making the most of what you have is just as important to your employees as it is to your business. By choosing to offer your employees a solid financial education program, you not only enable them to better manage their lives, you empower them to better manage the future of your business. Their future is your future.

Thomas Watson – About the Author:

Dr. Thomas R. Watson, a leading expert on workplace financial education, teaches employees how to eliminate their personal debt in record tme. Find out how to give your employees a 35% raise without touching a dime of payroll at http://www.FreeClearAndFocus.com

Source: http://www.articlesbase.com/finance-articles/employers-find-it-pays-to-provide-financial-education-to-employees-36778.html

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Financial Education – Debt Kills Even At 0%

May 27, 2011 By admin Leave a Comment

Financial Education – Debt Kills Even At 0%

Financial Education â?? Debt Kills Even At 0%

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Financial Education â?? Debt Kills Even At 0%

By: Brent Travis
Posted: Mar 09, 2011

Financial Education â?? Debt Kills Even At 0%

If you are listening to the politicians they are telling us that interest rates are going to have to go up sooner or later. In the next breath they say that trying to keep them as low as possible will help us folks on Main Street and they want to help us out. They are talking about how debt kills the little people all the time. Have you heard the joke about â??Iâ??m from the government and Iâ??m here to helpâ??

The fact is that if interest rates do climb the people who are likely to lose their jobs are the politicians, at least they will be the first followed by millions of people in the public and private sectors. Why will this happen?
Letâ??s take a quick look at the government debt in the US. This is a good barometer for the rest of the world. Last month Congress raised the legal limit that the US economy can be in debt to 14.2 trillion dollars because they are getting closer and closer to that limit. So if the Zero percent interest rate policy took a 1 percent jump it would cost the government 142 billion dollars just to service the debt. Can you see by this example how debt kills? What if the interest rates went back to 5 percent? It would be a staggering cost to the government of 700 billion dollars. They bring in about 2.2 trillion dollars now so the cost of just servicing the debt would be about 1/3 of their revenues. Do you see why they would be losing their jobs if they left this self serving 0 percent interest rate policy? Of course they have all the media hyping the lie that they are doing it just to help out the little guy.

All we need to do is look across the pond to see what will happen if the government does become all mighty dollar strapped. Yesterday the Greek governmentâ??s credit rating was increased because they are in peril of defaulting on their debt. They are learning that debt kills. Of course we all know that an increase in interest just pushes them closer to defaulting. Ireland. Iceland, Portugal and Spain are moving ever closer to their limits too. Germany, Britain and France are not far behind. I hate to be a harbinger of doom but the â??Recoveryâ? that we are in is like smoke and mirrors. One false move by the folks who run the world economies will bring everything crashing down. It is kind of like watching Humpty Dumpty sitting on a wall. If he tips we are headed for a deeper depression than happened in the 1930s.

Is this good or bad? For individuals it can be a time of great opportunity. For most it wonâ??t be very much fun at all. Coming out of the great depression were thousands of people who became very wealthy. This will happen again. If you want to be on the winning side of the debacle then getting guidance from people who understand what is happening is crucial. Here is a newsletter that doesnâ??t stick its head in the sand and does realize that debt kills. www.InsiderSecretsToWealth.com. Check it out and Iâ??m sure you will agree with the folks that put out this newsletter.

Brent Travis – About the Author:

Brent Travis is an Entrepreneur marketing both online and offline. Brent can show you how to maximize your financial situation and has helped hundreds of people do just that over his financial and business career. Learn about the Insider Secrets to Wealth at: http://www.WealthManagementAndFinancialEducation.com or watch the video at http://www.InsiderSecretsToWealth.com

Source: http://www.articlesbase.com/finance-articles/financial-education-debt-kills-even-at-0-4377266.html

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Learning About Financial Resolution Secrets Reviews

May 16, 2011 By admin Leave a Comment

Learning About Financial Resolution Secrets

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The 4 Laws of Financial Prosperity: Get Control of Your Money Now! (Formerly The Four Laws of Debt Free Prosperity / This is the same great book with a new title)

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Workplace Financial Education and the positive impact on organisations

Employers Find it Pays to Provide Financial Education to Employees

Financial Education – Debt Kills Even At 0%

Learning About Financial Resolution Secrets Reviews

Learning About Financial Resolution Secrets

The 4 Laws of Financial Prosperity: Get Control of Your Money Now! (Formerly The Four Laws of Debt Free Prosperity / This is the same great book with a new title)

The 4 Laws of Financial Prosperity: Get Control of Your Money Now! (Formerly The Four Laws of Debt Free Prosperity / This is the same great book with a new title)

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