Making financial decisions is hard. So hard, in fact, that 7 in 10 Americans admit to postponing making major financial decisions. The stress that comes with potential repercussions of our decisions lead us to commit errors in thinking called cognitive biases which affect our judgement and decision-making skills. They cause us to hold on to our own preferences and beliefs instead of assessing our situation from a more rational standpoint. Cognitive biases can wreak havoc on our financial lives —...

An employee handbook is vital to the success of your startup. But, perhaps you're wondering why your startup needs an employee handbook and when it's appropriate to create one. Two of the simplest reasons you need one are for the creation of processes and policies and to facilitate benefits administration. Let's look at these reasons as well as a few others, but first, let's discuss when you need one.   When do you need a handbook? While there's no one-size-fits-all answer, it's the best pr...

The Robots are Here: Good news – for employees While robots which vacuum the carpet, mow the lawn or deliver lunch are cute time savers, their possible entry into the workplace can be scary. Employees who have spent years performing a routine task can be threatened by the idea of technology taking over their job. People in customer facing roles (cashiers, bank tellers, check-in agents) may argue that use of self service or remote interfaces 'dehumanizes' the company. Business leaders today know ...

As a startup, you know you need general liability insurance, property insurance, and workers compensation insurance, but have you ever considered cyber liability insurance? What is cyber liability insurance Cyber insurance generally covers your startup's liability for a data breach that can involve private, sensitive customer information such as social security numbers, credit card numbers, account numbers, addresses, health records and driver's license numbers. When hackers gain this informatio...

Americans' commutes are getting worse every year and employees are starting to weigh their options. With the high price and stress of long commutes, much of the workforce is willing to take pay-cuts just to avoid an added 20 minutes to their trip home from work. The focus on a healthier commute is leading to talented workers choosing jobs that allow them flexibility and reimbursements when it comes to their commute and employers need to take notice if they want to retain those high value workers...