Identity Theft: Stolen Identity, Lost Productivity

Has someone stolen your identity?While the movie “Identity Thief” paints identity theft in a funny light, it’s no laughing matter for employees and employers. With 290,056 complaints, identity theft topped the Federal Trade Commission’s national ranking of consumer complaints in 2013.

Identity theft drains victims, both financially and emotionally.

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Money on the Mind

Personal finance issues distract nearly 1 in 4 in the workplace

According to Pricewaterhouse Cooper’s 2014 Employee Financial Wellness Survey, 24 percent of U.S. employees say that personal finances have been a distraction at work. The survey tracks the financial and retirement well-being of working U.S. adults.

Younger employees are more likely to be distracted by finances at work. 35 percent of Gen-Yers (ages 21–32) report being distracted versus 29 percent for Gen-Xers (ages 33–53) and just 12 percent for Baby Boomers (ages 54–71).

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A Respectful Workplace = A Profitable Workplace

Sharing ideasAsk the average business owner to list the top 10 components that contribute to a company’s profitability, and chances are good that the words “mutual respect” wouldn’t make the cut.  Yet, a business that places priority on mutual respect is likely to see bottom-line benefits in the form of increased employee loyalty, productivity, and a fundamental desire to help the organization succeed.

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Feeling the Pinch?

Looking for ways to save money?

Are your clients’ employees under financial stress? According to a 2013 study on employee financial stress, 83 percent of employees reported feeling the stress of financial burdens. Financial stress doesn’t just affect employees. It also impacts employers. A 2010 Federal Reserve study revealed that employee financial stress costs employers an average of $5,000 per year per employee in lost productivity.

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Is a Living Trust Right for You?

You may have heard of a living trust and wondered how it differs from a will and whether it’s something you should have. Feel free to share this information with your clients and staff.

A living trust is similar to a will in that it states what should happen to your property after you pass away. But a living trust is also a valuable tool long before you die because it directs how you want your assets managed during your lifetime.

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Avoiding Holiday Debt

A Consumer Reports poll found that 10 percent of shoppers who used a credit card to buy gifts in 2012 have yet to pay off that debt. How many years have you spent the post-holiday season wishing you hadn’t spent so much on gifts? It was fun while it lasted, but it’s a struggle for many of us to pay off the debt we built up over just a few weeks. Shoppers can avoid holiday debt with the tips.

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Talk to Your Clients About Estate Planning

estate and financial planning


Many of us spend nearly all of our lives working, saving and accumulating—yet we may spend hardly any time planning what should happen to those hard-earned assets after we die. In fact, we probably spend more time deciding what color to paint the house than who should inherit it once we’re gone.

Estate planning is important, however. And it’s not just for the rich. It’s for everybody. Share these tips on estate planning with your clients.

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The High Cost of Financial Stress on Workplace Performance

Results from PwC’s 2013 National Employee Financial Wellness Survey reveal that many employees are still feeling the effects of the economic downturn. As a result, their performance in the workplace is suffering.

Financial issues causing stress

Twenty-three percent of respondents admitted that personal finance issues have distracted them from work. (Of those surveyed, Gen X employees were the most likely to report that personal finance issues have been a distraction at work.) Of that group, 19 percent said they spend five hours or more each week at work either thinking about or dealing with personal finance issues.

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Increase Productivity With These 10 Apps

10 apps to help improve productivity


Your smartphone can be much more than a way to catch up on the latest during your commute. Used correctly, it transforms into a tool to help you get organized, save time, work smarter and cut costs.

The marketplace is loaded with free or low-cost apps that are easy to use and fill the bill. Wading through them to find the winners can be a long slog; we’ve given you a head start by cherry-picking 10 worth investigating.

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