Do You Have Your Financial Bucket List Ready?

Have you set some financial goals that you want to achieve at a particular point in your career?  Do you have them prioritised so that you can enjoy the benefits as you check these things off your list?  Having a plan that helps you reach your financial goals and objectives is an excellent way to achieve the financial freedom that you need to travel around the world, save for retirement, and manage the income that you have in a responsible way.  The money that you set aside today can establish the quality of life that you’ll have when you’re older.  Having a bucket list that serves as a map for your money management will accommodate the needs that you have and the wants that you’d like to experience.

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How to Develop Your List of Priorities

You’ll want to think about your future and what lifestyle you want to have as you go through life.  Of course, you will have to take a look at some of your habits and find ways that allow you to save the amount of money that you need to reach your goals.  It will be wise to begin to save your money slowly and increase the amount as you see fit; the most important part of reaching your financial goals is to establish a regular pattern of saving and make a commitment to maintain a routine each month for making deposits.  As your life changes and your needs vary, you will need to reflect upon how your savings plan is proceeding and how you need to make adjustments to accommodate the objectives that you have.

What Should Be on Your Bucket List of Financial Goals

You should always pay off bad debts that you have incurred from either impulsive or bad decisions that you made.  Try to always avoid using credit cards because they only encourage you to spend money that you don’t’ yet have.  Make a list of the bills that you want to pay off and then begin checking them off as you accomplish a payoff.  It’s smart to begin with your smallest bill first and then proceed to the larger debts that you have; as you pay off these smaller bills, use that money to add to the regular payment of other bills which means that you’ll be investing this money into paying off your next bill.  You’ll find that checking off each debt will motivate you to manage your money more wisely and avoid making decisions that impact your money without careful thought first.

Staying Focused is the Key

It’s imperative that you remain focused on your goals as you work through your bucket list of financial goals.  All the while that you are working to get your financial house in order, you may want to also focus on setting aside some money for emergencies that are sure to happen.  By having one of the GE Capital ISA accounts you can save money along with your debt remittance so that you won’t be caught without a plan when you need money immediately.  This will provide you with a solution that offers you peace of mind and confidence no matter what crisis you are experiencing.

So make sure that your bucket list of financial goals is established early on in your career; you’ll be very thankful when all of your debts are paid and your savings are growing steadily.

 

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How to overcome the challenges of hiring salespeople

Hiring salespeople in the current labour market can be a tricky endeavour at the best of times. But with competition for places higher than ever, there are some fantastic candidates out there that have the potential to not only freshen up your workplace, but also create innovative new changes to your sales desk.

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So how exactly do you overcome the seemingly endless challenges involved with hiring these potentially vital future employees? This article will give you a brief outline.

How do I ensure the candidate is briefed before the interview?

It’s absolutely key to make sure the person that you are interviewing knows as much as possible about their role before you meet with them. Failing to do this might make the entire process a waste of time for both your firm and them – so it is important that you get this right.

Perhaps the easiest solution to this problem is simply to send a very concise email detailing everything that the candidate needs to know about both the job and your company. This will mitigate any embarrassing slips of the mind for the participant, who might otherwise think they are applying for a different role.

How do I filter through a large number of CVs?

Ah, the ever present issue facing hiring firms in recessionary Britain. Advertising for one role and receiving applications from hundreds of potential workers. While in some ways this is a good problem to have and shows your job is getting the marketing it needs to attract top talent, it does mean that a large number of incompatible CVs are received.

Perhaps the best way to get rid of these is to insist on a short, to the point summary at the top of candidates’ resumes, which should specifically address the main job requirements.

However, another fantastic way to get rid of this problem is to select one of the many hard-working sales recruitment agencies around the UK. Aaron Wallis Recruitment, for example, is an industry leader in placing applicants into suitable positions and deals with a huge array of large, corporate clients and small businesses.

How many candidates should I shortlist?

It really depends on individual preference, but industry leaders in the sales recruitment field recommend having around five people on a final shortlist.

However, some firms think that having around ten is better because it more adequately provides contingency in the event of drop-outs, which is especially important in the event that you are assessing candidates from other areas of the country, who are more prone to reconsider their interest in a position because of the issues involved in moving from one region to another.

How should I give feedback to unsuccessful candidates?

It is very difficult to word a rejection letter and many people new to the hiring process worry so much about being too negative they don’t even send one. This isn’t a great way to handle the situation and might make the candidate bitter about your company.

A much better solution is to very clearly state the reasons why you don’t think they are a great fit, while building in some positives about their application. It might also be worth considering letting them know you intend to keep their CV on record, but only do this for candidates that you really think have a shot at a job in the future. False hope helps nobody!

 

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BMWs that make the best company cars

Like any modern-day car manufacturer BMW has a large array of models to choose from, suiting the needs of any businessperson. Whether you require a large vehicle for transporting items around, or a smaller city car for client visits, the Munich-based company has a solution for almost every organisation.

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Fleet managers will have to make important decisions based on the requirements of their staff, so here is helping hand a things to consider before you visit Listers.co.ukto check out the latest BMW leasing deals.

Efficiency

Efficiency is a very important consideration for businesses. The rising cost of petrol is putting pressure on budgets, while efficiency bandings will also determine how much tax needs to be paid.

Employees might be required to travel up and down the country on a regular basis, so choosing a fleet car which is kind on the purse strings, and the environment, is a must.

The BMW 3 Series 320D Efficient Dynamics could be the ideal vehicle. It is classed in Band B for its 109g/km emissions, while it is capable of a combined 68.9mpg if driven if the correct manner.

For city driving this figure comes down to 56.5mpg, while extra-urban use will see motorists get up to 78.5mpg.

Space

Space is another important consideration for businesses. Will your staff have to ferry around large amounts of equipment, such as conference displays, projectors and boxes of products?

If so then a 3 Series might be an easy choice, however, the surprisingly-roomy 1 Series should also not be forgotten about, particularly in the form of the 120d M Sport 5 door.

With the rear doors this ensures that you have excellent access to the back seats, whether this is for ferrying clients around or moving packages in and out. Luggage capacity with the seats up stands at 360 litres, while the maximum roof load will hold 75kg in case you are using a roof rack.

Style

Style is crucial for the image-conscious business, and you will want your employees to look and feel great in their car. While the 1 Series is an excellent vehicle in its own right, something a little larger such as the 3 Series, 5 Series or X5 could be just the trick.

These cars exude class and will send out a good message for your company – one, that you are financially-secure enough to afford to choose BMW, and two, that your brand shares similar values to that of your vehicle’s manufacturer.

The superior quality inside the cabin of BMWs, which could range from leather seats, automatic air conditioning, satellite navigation systems et al, are bound to impress anyone who sets foot inside.

Speed

While speed is not everything, having a car which has good acceleration and can get you from A to B is the fastest but safest possible time is a requirement for many. Furthermore, having a company car which is good to drive, should add to the enjoyment of the job.

When it comes to speed, there is not a huge amount in it between the 1 Series 118D M Sport, which can do 0-62mph in 8.9 seconds (with a speed limited at 132mph), compared to the 3 Series 320D Efficient Dynamics, which was timed at 7.9 seconds and has a top speed of 140mph.

 

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