Employees Beware: Incidents That Could Destroy Your Career and How to Avoid Them

One of the most pressing concerns for employees around the world is job security. Many people around the world work hard and struggle at their jobs to make ends meet, and there usually comes an opportunity when they’re given the chance to upgrade their position. It’s the result of months or years of hard work, loyalty to your company and dedication.

Climbing the corporate ladder is the number one priority for a lot of people. Unfortunately, for as many career-boosting opportunities you get, there’s an equal amount of career-busting pitfalls that you could fall victim to. For example, if your boss hands you an important assignment that is crucial to the success of the business, then you’d better hope that you do a good job or else you might get fired for screwing up such an important task.

To help you prepare for these pitfalls so you can avoid them, here are some points worth considering.

Don’t get too comfortable, always remain vigilant

Don’t get complacent. That’s the number one rule when it comes to managing your career and preventing yourself from slipping off the corporate ladder. Don’t make promises you can’t keep. It doesn’t matter how tough a job is or how little time you have to meet a deadline, you absolutely must not look like an unreliable person.

When our co-workers or friends and family give us a pat on the back for something we did, it’s natural to feel joyous and comfortable in our surroundings. However, the business landscape is always changing and what was a good job yesterday could be the norm today—always strive to improve yourself.

Accidents happen, but don’t let them destroy your career

Everyone is susceptible to an accident. Whether it’s an office chair that breaks and drops you to the ground or a steel beam that drops onto your foot, you’re going to need a personal injury lawyer to help you remedy the damage.

Work-related accidents don’t always force you out of a job. In most cases, there are systems in place to help you find work or keep your job after an accident as long as you fill in a report about what happened and how your business could improve or help the situation.

Manage your savings properly so you can avoid a financial crisis

Whether or not you like the sound of it, the possibility of your company going bust are real. Your secure job and relationship with your employer and co-workers could crumble into nothing once your business collapses due to mismanagement or being pushed out of a competitive market. This is a huge concern for most startups and lesser-known companies that are in a big-brand dominated sector.

Take the fast food industry for example. If you work at a brandless fast food restaurant in a popular area, then it’s only a matter of time until a larger brand buys the location or business and converts it to their franchise. To avoid these situations, make sure you handle your finances properly. Prepare for the day that you lose your job due to factors outside of your control, but pray that it never comes.

Keeping Your Calm: 8 Key Principles to Keep in Mind When Dealing with Creditors

It happens to most consumers sooner or later. You fall behind in your credit card payments, You use one credit card to pay another card’s payment. Then, things start to snowball.

If you find yourself hitting the wall, you need to understand the position you’re facing. As Huffington Post says, “As a consumer, the most important thing you can do is to try to understand the debt collection process and know your rights.”

Check these 8 key principles in dealing with creditors:

  1. Keep track: It’s smart to keep a diary of all your interactions with the creditor. You should save emails and take notes on phone conversations. That includes the names of the contacts and numbers assigned to claims.
  2. Need to know: You have a right to know everything there is to know about your account. You can’t negotiate or discuss the collection issue if you don’t understand the starting point. A debt can be complicated with accumulating late fees and interest rates, you should know what’s at issue. You have the right to question the collector and request clarification of any term or process.
  3. Get it in writing: If you agree to anything, you have a right to see it in print. If you are working this out on the phone, you can request an email version before you sign anything. The collectors usually have standardized forms so you can insist they customize your forms to your name and deal.
  4. Take the lead: If your delinquency has reached the collection agency stage, you might take the lead in the negotiation. The collector wants a one-time, lump-sum payment. They are getting commissions on the amount collected so they will go for your gold. But, you can undercut them by offering 50 percent of the lump sum. Any creditor would rather agree to a repayment plan.
  5. Talk to the creditor: A collection agency will tell you to communicate with them only. However, you can still deal directly with the credit card company. They may be open to deals for compassionate reasons and hardship cases. They will come to solutions to reduce their obligation to their own collection agency.
  6. Stop the calls: Collectors must call after 8:00 am and before 9:00 pm. But, you also have the right to tell them to stop the calls altogether. So, it helps if you accept the calls sooner than later.
  7. Keep your cool: You should expect respect from creditors. But, they may respond in kind if you lose your temper. You should avoid the melodrama on your end, but if they are confrontational and angry, you can report them.
  8. Demand confidentiality: Collectors are prohibited from discussing your debt with your spouse, friends, and employer. They do have a right to order a garnishment on your incomes, but it takes a long process to reach that stage. Creditors prefer not to go that route because of the cost to them.

Getting out of trouble

You can start to get out of debt with an honest assessment of your problems. If you have maxed out a credit card or can’t meet the minimum monthly payment, you are in credit trouble.

These are signs it’s time to prioritize. The Houston Chronicle suggests taking inventory, “First, make a list of every debt you have, along with the interest rate and minimum payment. Then, list your income and expenses for each month to assess financial obligations.”

But, if you find you’re still over your head, it’s time to get professional help.

It Is Time To Recycle Old Methods With Your Business

When it comes to our homes, we are encouraged to make wiser decisions with an eco-friendly focus. We recycle our rubbish and waste, wood and paper and we do our best to use energy efficient sources. However, do we really do that in our business ventures? The truth is, we probably don’t. So what methods and habits could you recycle? I wanted to share with you some of the things that can help you.

Appropriately disposing of older hardware

Things are improving all of the time when it comes to technology. The software is upgraded, and while it can be easy to install new software and make a difference to that, the hardware side of things isn’t as easy and requires much more intervention. Technology needs to be replaced all of the time, but you could also look at ensuring that you recycle old technology efficiently. Certain aspects of the technology can be recycled and reused, and other materials can also be used and made into different parts. The best thing you can do is ensure that take it to the right place, and make sure that you dispose of it in the right way.

Introducing more energy efficient options

Is your business really energy efficient? Sometimes you may need to start thinking of the routines and the habits that you can change within the business. Think about things like the bulbs you use in the office, the way you switch things on and off and how you can save energy in the workplace. Sometimes it might not just be you that needs to change your habits, you may need to ensure that your staff and employees are on the same wavelength. Keeping your business energy efficient could also be about your carbon footprint, the costs to your business and how you use you time.

Thinking about different communication channels

Maybe now is the time to start thinking about the way you communicate with your customers, and perhaps looking at alternative methods. Maybe communication over the phone is a thing of the past, people preferring to contact you via email, online chat systems or even going back to older methods like fax. You can even link this method to the internet and your systems with hosted fax solutions to make things easier. Sometimes you need to think about different options and go with what works with the business.

Change your habits

Often change starts with you, and so you may need to start looking at the habits you have. Perhaps you need to start thinking about the way you do things in the office, or perhaps the decisions you make when it comes to processes or how you recycle things.

Making it part of the business culture

Finally, try and make it part of the business culture. So now only looking at your habits, but how your business is dealt with and how any employees act within it. Make it a company goal or mission, target yourself on these changes, and start to make a difference.

I hope that this has given you something to think about when it comes to recycling old methods within your business.