Organizational cultures range from unrelenting paces and frugality to those who celebrate productivity and creativity. When a positive culture exists, it can have the benefits of greater productivity and happier employees, which usually translates into a better customer experience, higher retention, greater engagement and more innovation.
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Businesses are generally unable to rise above the talent they employ. Which is why it’s so important to be able to identify exceptional workers, many of whom may not be actively looking for a job. Identifying talent is only a first step, however. Employers must also ensure that the interview and hiring process facilitates hiring instead of acting as an impediment.
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As inflation eats up more of consumers’ spending power and the demands of saving for retirement marches into closer view, many individuals grow increasingly more doubtful of their ability to meet both current and future financial demands. Perhaps one of the most effective ways happen to also be the most within an individual’s control—reducing or eliminating wasteful spending.
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Budgeting is foundational to financial success, from young savers to retirees. Despite this, budgeting is unpopular with Americans, as suggested by the general failure of budgeting app providers that had visions of ushering in a new era of individual fiscal responsibility.
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Nearly every purchase these days comes with a protection plan option, from extending a product warranty to insurance to protect against a change of travel plans. It’s nice to feel safe, but are these protection plans worth the money?
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