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Top Ways To Protect Your Finances When Buying Online

Top Ways To Protect Your Finances When Buying Online

Buying and selling online is big business across the world. In 2017, 1.66 billion individuals purchased products on the net and this figure is expected to increase further in 2018. However, numerous fraudulent practices are targeting e-commerce businesses, and are risking the finances of individuals up and down the country. With many seeking out the American dream, losing your cash after innocently shopping on the net is a devastating blow. Thankfully, there’s no need to worry if you take onboard these top buying tips when you next shop online.

Be vigilant

South America is currently emerging as a hotspot for identity fraud as a result of cyber criminals hacking into e-commerce systems and stealing the personal data of online shoppers. Most people don’t think twice about entering their date of birth, address and bank account details when shopping online, but have you ever stopped to think about what happens to this data once your parcel has been dispatched? You should choose the sites you purchase from and provide your personal details to wisely, even if it sometimes means you have to pay a few more dollars for your goods.  Always be on the lookout for signs that something isn’t legit with the company, such as no reviews or feedback.

Check the site’s security status

It would be fair to say that a large proportion of people don’t stop to check that the e-commerce site they’re purchasing from is secure before proceeding to make a purchase, but if you want to protect your finances from criminals you need to avoid getting over excited and rushing ahead to the checkout. A secure website will start with https rather than http and your browser bar will confirm the security of the site by showing a padlock. Consider using Chrome as your browser when shopping online as from July 2018, all http websites will be marked as ‘not secure’, making it easier for you to identify that the online shop is one to steer clear of.

Know your rights

As you don’t get to physically see or hold an item before you buy it online, consumers usually have better rights. You should always take the time to read the e-commerce site’s terms of sale including their refund policy before you buy any goods and it’s always worth making online purchases with a credit card as, if a problem occurs, you can dispute the charge. It’s wise to utilize an e-commerce site that has a reputation for providing good customer service and support, both before and after the sale, as these are the sites that care and appreciate you as a customer. It is a sign that they will do their utmost to protect the data they hold on you, including your bank account information.

Buying goods online is an efficient and convenient way of shopping for billions of people each year. However, many consumers need to put more effort into keeping their data and financial information secure when on the net. Being vigilant about who you buy from and what personal data you’re giving out is vital while checking the security status of every site you visit is a must. Take the time to read up on your rights, too, before checking out and freely handing over your personal data as this will provide you and your finances with ultimate protection.

 Jenny Holt jennyholt@accurasend.net

Engaging Workers To Boost Productivity: Tips For Small Businesses

Engaging Workers To Boost Productivity: Tips For Small Businesses

The U.S.economy loses up to $550 billion a year because of unhappy employees. While workers still labor in pursuit of the American Dream, it seems they’re not entirely engaged doing so. Across the globe, as much as 85 percent of employees are disengaged or actively disengaged. Owners are increasingly striving to improve company culture so that staff disengagement doesn’t drag down the workplace, and ultimately, the bottom line.

Identifying a disconnected worker

When an employee doesn’t enjoy their work and scrapes by achieving the bare minimum of what is required, it’s likely they are disengaged. These employees often don’t feel challenged, emotionally attached, or optimistic about career advancement. As a result, they don’t extend themselves or have the drive to deliver better outcomes. A disengaged worker won’t always create problems, and can even be reluctant to quit their job. Unfortunately, it doesn’t take long for negativity to spread and damage the collective employee morale.

Early signs of disengagement include lacking motivation and avoiding fun or social activities with co-workers, being apathetic about learning opportunities, and not celebrating the company’s achievements. A disengaged employee is also more likely to take sick days and be less enthusiastic about growing the business’s reputation.

How disengagement happens

It’s estimated that more than half of all employees are unfamiliar with their company’s mission or vision. Also, management’s ability to communicate well and be transparent can have a major influence on employee happiness. Your staff wants to be valued, heard and included. If an owner isn’t interested in certain elements of the business; for example, if they ignore feedback or don’t prioritize performance reviews, it’s possible that employees will become disconnected. In fact, this is the case for seven out of every ten Americans at work.

The cost to small businesses

For small to medium businesses, a disengaged employee can cost about $10,000. Reduced productivity and customer satisfaction, high staff turnover, and increased absenteeism all have a bearing on the actual price of disengagement. Disengaged workers put in the time but not the zeal, which tends to weigh down the motivation and ambition of those who are actively industrious. Also, a company is at risk of losing engaged, productive workers who are exposed to pessimistic colleagues. And there’s your business brand to consider. Having a strong, positive reputation is always in the best interests of a growing company.

Ways to enhance engagement

While the cost of disengaged staff can be startlingly high, solutions are attainable. Leaders are capable of cultivating a dynamic workforce by setting clear expectations and demonstrating the importance of engagement themselves. Additionally, organizations should ask for and accept feedback, devise and stick to an engagement plan, and introduce team-building activities. The disconnectedness of workers may have never been a salient issue for your business. But for your company to prosper in a competitive marketplace, you should be aware of the signs of disengagement and take pre-emptive measures to ensure your staff is – and remains – engaged.

Jenny Holt <jennyholtwriter@gmail.com>


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