Author Archives: Kame

Tips for Improving Employee Retention Rates

A low employee retention rate is very bad for business. It means losing out on valuable talent, and constantly incurring costs to train new employees. While you can’t force employees to stay, there are things that can be done to significantly decrease their chances of leaving. 

Here are 4 top tips to improve employee retention rates.

Pay Competitive Salaries

Constantly underpaying employees is a good way to lose them. 

The job market is more transparent than ever, and it doesn’t take much digging for employees to find out if they’re making significantly less than their colleagues in other companies. And once they feel undervalued, they’ll start looking for other opportunities.

To keep talented employees from leaving, it’s important to make sure they’re being paid fairly. The best way to do this is to conduct regular salary reviews to ensure that your employees are keeping up with their industry peers. 

The higher people are paid, the more motivated they are to stay and do a good job.

Offer Fair Benefits 

Employee benefits are another key factor in retention. 

In addition to offering health insurance to cover increasing healthcare costs, retirement accounts to pay for future assisted living facilities, and other traditional benefits, more and more companies are starting to offer things like unlimited vacation days, flexible work hours, and free snacks and drinks.

While these types of perks might seem frivolous, they can make a big difference in employee satisfaction. So, consider implementing less traditional benefits like a lunch service, casual wear days, or a working only from home option.

If your company doesn’t offer competitive benefits, employees will start looking for somewhere that does.

Encourage Professional Development 

Most employees want to feel like they’re doing more than just punching the clock. 

They want to feel like they’re developing professionally and making a difference in their company. If your employees don’t feel like they’re growing in their roles, they’ll start looking for opportunities elsewhere.

To keep your employees engaged, invest in their professional development. A great way to do this is to offer training and mentorship programs. Also, encourage them to take on new challenges and roles. 

The more you can help them develop their skills, the more likely they are to stick around.

Promote a Positive Culture 

Last but not least, employees want to work in a positive environment. Toxic workplace culture is a major turn-off and is often a major factor in employees leaving.

To create a positive culture, start with open and honest communication. Encourage feedback, and make sure employees feel like their concerns are being heard. Then, enforce company policies that promote a collaborative and positive environment. 

If employees feel like they’re part of a positive community, they’ll be more likely to stay.

Following these tips can help you keep your best employees from leaving. Invest in your team, and you’ll see the payoff in lower turnover rates and a more engaged workforce.

business analyst


Are you strapped for cash? Then you can sell your unwatned gold jewellery to gold buyers Brisbane. Nno matter what precious metal you have, a gold buyer will accept it at their shop and pay an excellent rate for your gold based on current market rates.

On the other hand, if you are wondering if you should sell your scrap gold or other gold items? Then look at why it is an excellent idea to sell your gold today.

Gold Will Always Have Value – No Matter if it is Used or New 

Even your broken items are worth money. For example, you may have old gold jewellery pieces lying around. Whether it has a broken clasp, a missing gem, or is unusable, you can sell it for scrap gold. You can sell it to a gold dealer and quickly get 80% – 90% of the market value based on today’s metal price. You can even sell any gold, from coins to bars, if you have them available for quick cash.  

The Gold Jewellery Might Be Worth More Than You Think 

The gold’s value is initially determined by the spot price of gold. As most gold buyers have live prices on their websites, you can watch all the pricing live by the karat. Still, do not expect to get the full value of the gold. The reason is that dealers buy back scrap jewellery under the spot price usually around 90% to the spot price.

Sell Items You Never Use – Your Bank Will Love You 

There is no need to hold onto gold jewellery pieces that are broken and never used. Selling gold to gold buyers in Brisbane will help you declutter your jewellery box and get plenty of cash. You can use the money to buy new jewellery pieces or close up some unexpected financial holes or pay off some debt. 

Selling Scrap Gold to Dealers is an Easy Way to Get Fast Cash 

As you can see, selling scrap gold to a gold buyer will help your get rid of old unused gold items and free up soe cash. First, visit a local dealer who will test the gold for its purity and sort them into carats, followed by weighing the pieces.

Then the sales consultant will determine its value based on the price advertised on their website. If a gold buyer doesn’t offer you the price advertised on their website, it’s best to leave and try another dealer.

When you sell your gold jewellery or other precious metals to a dealer, you can sell them at once to save time instead of trying to sell them privately one by one. You don’t need to waste your energy and time handling the sale. It’s also not recommend to send your items by mail, have them lost in the post, or suffer from fraudulent online transactions. 

Which in itself is time consuming if you need money fast. But, on the other hand, by using a reliable gold buyer, you will get peace of mind knowing that you will receive cash for your scrap gold without all the extra work.

How to Protect a Real Estate Investment According to Wellman Shew  

Insurance agency manager Wellman Shew discusses how to protect real estate investments by choosing the right insurance policies.

FRESNO, CA, USA, June 28, 2022 — Many people make real estate investments without thinking about the necessary ways to protect themselves financially. Wellman Shew, California-based insurance consultant, discusses the ways to protect property.

A real estate investment can be utilized in a number of ways. It can be land, residential, or commercial. It can be divided up and sold individually, it can be rented, or it can be held until the market shifts.

Most people assume that home or commercial insurance is only necessary if the individual is using the home or business. However, investors need to understand that property insurance should be obtained on any type of real estate, regardless of how it is being used.

Wellman Shew has grown up in California, spending most of his time in Fresno. As a graduate of California State University-Fresno and spending 30+ years in the insurance industry, he has seen firsthand the importance of how the right insurance policies can offer financial protection.

Agency Manager Wellman Shew Discusses Home Insurance

While Agency Manager Wellman Shew acts like a consultant who specializes in group employee benefit programs as well as personal insurance involving life insurance and medical supplements, he often offers comprehensive advice to his clients.

Home insurance should be obtained the moment that a residential real estate property is purchased. This is regardless of whether there is a mortgage on the property or not. Shew is quick to note that while mortgage companies generally require a policy, those investors who pay cash often try to skip buying a policy.

A home insurance policy offers several important components:

  • Protection of the dwelling
  • Personal liability to the harm of others
  • Loss or theft of possessions

The first two are of particular importance to investors. The protection of the dwelling ensures that the home itself has protection in the event of a natural disaster. Personal liability also ensures that if anyone is harmed on the property, the investors aren’t financially liable.

A Deeper Look at Commercial Insurance

Commercial properties are also acquired by real estate investors. Wellman Shew recommends that property insurance be obtained immediately – and for the same reasons why home insurance would be acquired on residential investment. There’s protection for the building itself as well as liability.

Additionally, for real estate investors who have an entire firm in place, there are other ways to protect one’s interests with various forms of insurance.

Wellman Shew’s recommendation is for anyone who is interested in buying real estate to sit down with a professional insurance agent who is licensed within their individual state. This way, it’s possible to explore the various policies and ensure that one is customized to encompass the investment property.

What is the best olive oil you can buy?

What is the best olive oil you can buy? To answer this question simply, one of the world’s healthiest cooking oils is Extra Virgin Olive Oil. Hair and skin benefit greatly from its use. It is also believed to reduce inflammation because it is made without the use of heat or chemicals by crushing freshly selected olives and extracting the oil from them. In addition to being low in bad fats, the oil is cholesterol-free and has a positive effect on the body’s defences. Using it in a variety of ways allows you to get the most out of it.

How to choose the best olive oil?

As intimidating as it may seem to shop for the best and healthiest olive oil, you can accomplish it with some direction and understanding. Every company claims to be the finest, but there are a few characteristics that prove it.


Freshness should be a consideration while purchasing olive oil. For your health, the more recently sourced the oil is, the better. To avoid refined oils, only buy extra-virgin olive oil, rather than light or plain varieties. If you want to maintain as much nutritional goodness as possible, you should use the cold-pressing process. Keep in mind that olive oil is best stored in opaque containers rather than clear ones, as sunlight is bad for it.

Top Olive Oil Brands

As a novice to the world of extra virgin olive oil, these are my top three picks. If you have these three in your pantry, you’ll be ready for anything.

Clovely Estate Koroneiki oil

If you’re having an antipasto platter with cheeses, olives, salami, and other delicacies, choose Clovely Estate Koroneiki oil. An excellent oil with the perfect blend of flavours; sweet ripe fruit meets green fruit flavour with just a hint of pepper.

Estate Extra Virgin Olive Oil

Estate Extra Virgin Olive Oil is a high-quality oil that may be used in a wide variety of ways. It is a Clovely Estate hallmark blend. It’s a versatile olive oil that can be used in both cooking and as a salad dressing, with all the sunny flavour of the South Burnett olive trees.


Arbequina is a lighter, sweeter, and more buttery oil that comes from the Catalan region of Spain. For a more delicate meal, or if you want a milder pepper flavour, this is a perfect oil to use. In fact, I’ve put it in ice cream before.

Qualities of a good mentor

Mentors play a crucial role in both professional and personal development. They act as role models in instances where people require someone to steer them in the proper route. Mentors that are committed to assisting others in attaining their objectives are good mentors.

A good mentor has a number of characteristics. Look for someone who is passionate, a nice fit, considerate of others, and a reputable professional in their industry when choosing a mentor. For example, Andrew Benetter, the renowned CEO of Nudies, is a good mentor when it comes to entrepreneurship and investment managing.  A good mentor is important as they will assist you in achieving your goals and, perhaps, establish a mutually beneficial connection between you and your mentor.

Eager to share information, ideas, and experience.

A good mentor is inclined to exchange what he or she knows and appreciates the protégé where they are in their career. Mentors who have been in the business for a long time can recall what it was like to begin. The mentor values the partnership and recognises that it takes time and dedication to be successful. He or she is open to sharing information and provide help and assistance to the protégé.

Desire to interact and engage

The most effective mentors focus on making connections with their peers. They recognise that these relationships with peers are about more than just money. These connections, on the other hand, are critical to building an extensive network of leaders in every field. When looking for a mentor, look for someone who is available to connect you with relevant specialists to help you build a clearer perspective.

A mindset of reverence

You don’t want someone who criticises you brutally and unconstructively, disrespects you or people connected to you, and eventually gives you a bad image. This results in a relationship that is both ineffective and unpleasant. When good mentors do something less-than-respectful, they realize it and apologies sincerely.

Acts as a positive role model by demonstrating a positive mindset.

An excellent mentor demonstrates the personal qualities necessary for professional success. They are displaying the precise behaviours and actions necessary to excel in the field by teaching the apprentice what it requires to be efficient and motivated.

Active talents in listening

Mentors frequently share their knowledge and provide advice in person or via email. Mentors that are the most encouraging pay special attention to their apprentices. Mentors who are effective prefer to dedicate equal amounts of time to allowing people to communicate, and their effective listening skills ensure that they listen and understand what you say.

How to become a money lender?

A money lender is someone who lends small amounts of money at a higher rate of interest. The reason for charging higher rates of interest is that the moneylender faces a higher risk of default than normal banks due to various reasons. People who are desperately in need of money but at the same time do not have a bank account, people with bad credit histories, and those who can’t get money from friends or relatives approach a moneylender for credit facilities.  Every money lender must have a license. In this article, we look at the procedure for obtaining a money lender license.

Factors to issue a license

A moneylender license is usually granted by the Revenue Department within 3 to 4 months from the date of submission of the application form. Once the application is received, it is valid for one year. For more information, you can contact well good at money lending in toa Payoh . However, there are a few factors that have to be taken into consideration while issuing/renewal/endorsement of a license:

  • Whether the person has the competency to run a money lending business.
  • Whether the applicant’s premise is an apt place to run the business.
  • Whether granting the permission would be against the public interest.

Documents Required

The following documents are mentioned below which are required to obtain the money lending license.

  • Form A application form.
  • Passport size photographs.
  • Three specimen signatures mentioning the money lender’s name or his nominee.

How to Apply

The following steps have to be followed to obtain a money lending license.

Step 1: Visit the Tahsildar Office

The applicant has to visit the nearest Tahsildar office

Step 2: Receive the application

The applicant has to pay a fee of Rs. 100 to receive the application form from the Tahasildar.

Step 3: Enter the details

The applicant has to enter the required details in the application form.

Step 4: Submission of the form


Learn the business of lending today because seeing how much income banks and major lenders make from their loans is enough to get some individuals interested in lending out some of their money, hoping to make good gains in interest payments over time. A combination of economic incentives and new technology allows more people to effectively become a lender and get some good returns on money that they have in their low-interest bank accounts.

How to get Emergency Payday Loans same day online?

Same Day Payday Loans are usually used to solve short term cash issues. However, it is worth remembering that this type of loans should only be applied for by people who have bad credit. If you’re looking for a quick payday loan solution because of an unexpected financial crise or to get rid of the debt quickly, then there are at least two ways you can do so: either go directly to your bank and ask for an emergency short term loan, or use online services which offer same day loans with bad credit. The problem with the first option is that not everyone has enough time to wait in line, fill out tons of papers and wait for hours until they’re asked if they need any additional service. And when time is money (which it certainly is) then the second option becomes a much better solution.

The advantage of getting an online bad credit payday loan is the fast process which usually takes only minutes to complete. Moreover, you can even get approved for up to $1500-$2000 in just about 15-20 minutes . The best thing about all this is that you don’t have to pay any fees or hidden charges and faxing any documents isn’t required either. In order to be eligible, you need to live in the United States of America and be of legal age (18+) plus have a valid checking account. On top of all these, you also need to provide some personal information such as your name, address etc. Since this type of loans are not actually like the bank ones, you also don’t need to worry about your credit status or score. Lastly, if you receive a regular salary (or any other type of income) then you’re good to go!

Visit the USA Payday Loans DL website now and fill out an application form online…

The best part is that once you complete the process, you’ll get immediate money into your account without having to wait or pay anything extra. Once approved for same day payday loans , it’s possible to have up to $1500-$2000 deposited into your checking account within minutes . And all this just sounds great but how does it actually work? Well, first of all let’s clarify something – ‘same day loans’ are different from ‘instant cash advance’ as former require documents to be ready beforehand.

Even though the procedure is usually fast, you might still need to wait some time before getting an answer because companies which offer online short term loans might have hundreds of requests every day. But why do they charge so much interest when banks are available? The reason is quite simple – same day payday loans are based on a different type of system and this means that lenders who provide these types of loans don’t have access to low rates from banks or any other financial institutions. In relation with this, they’re forced to take a higher risk and thus charge higher fees for their services.

Finding a lender which offers same day cash advance isn’t difficult at all but finding one which doesn’t ask for unreasonable interest rates can be a little more complicated. In order to get your short term loan approved, you need to visit a website which specializes in same day payday loans. On these websites you will find all the necessary information about how the process work, what are the requirements and who is eligible. After that it’s just a matter of completing an online form and within minutes, your money will be on its way!

Features of a good money lender

Money lenders are people or institutions that lend money. They lend money to people who are in need of capital and charge interest in return. Interest is the profit they make on the sum they lend. People can generally borrow money in two ways. They can approach the bank for it; the process is tedious unless you have an exceptional credit score, if that’s the case banks will give you a loan by serving it on a platter. The other way is to approach a private money lender such as money lender toa payoh central ; the process is less tedious and difficult than the bank.

Banks are money lending institutions. They are a kind of money lenders but when it comes to the term itself, more often than not it means a private money lender. The difference between a bank and a money lender is that the latter charges high interest. Whereas the rates of the former are decided by the government.

The following are some good features of a money lender.

They lend money based on credit score and credit history

A good money lender will always assess the risk involved in the transaction. The credit score and history of an individual tells a lot about his ability to pay back. A good credit score makes you a good candidate for a loan. Therefore, credit score will be a priority for lending money for a good money lender.

They are professional and do not push loans on the face

Good money lenders are professional. After all, lending money is kind of a service. There are people who try to push loans on the face of the people by constantly texting them, calling them or knocking on doors. Good lenders refrain from such activities, they advertise their service and attract people who actually need money.

Good money lenders are safe to work with

Another feature of a good money lender is that they are safe to work with. People desperate for money often end up with wrong people and bad deals. Such lenders are dangerous to work with. Good money lenders have a decorum and they follow a protocol.


The features of a good money lender is that they keep credit score and credit history a priority. They are professionals and do not push loans down people’s throats. And lastly, good money lenders follow a protocol and maintain decorum.

Latest trends in corporate gifting

Gifting is unquestionably an important part of Indian tradition and heritage. The giving market in India is worth roughly Rs.2,50,000 crores, with corporate gifting accounting for Rs.1,20,000 crores, and it is increasing at a pace of 200 percent each year.

A decade ago, the value of a present was determined by how well-known the brand name on it was. The corporate giving landscape in 2021 has shifted dramatically. The most recent corporate gifts are chosen to create an emotional connection with workers, clients, and customers by providing meaningful and intangible presents.

Below mentioned are some of the latest trends of 2021.

  • Gifting that lasts

Giving eco-friendly business presents is a trend that will not go away. Customers and clients want to do business with firms that care about the environment’s health, and staff takes satisfaction in working for organizations for organization sustainability. Sustainability may be beneficial to both the environment and business. We provide a variety of eco-friendly gift hampers that your recipient will enjoy. These are fully devoid of plastic, recyclable, or biodegradable.

  • Food Hampers Packed with Flavor

When it comes to food hampers, you can never go wrong since there is no better present than the gift of wonderful food. Aside from conventional sweets, salty and savory foods are increasingly becoming popular present options. Each food package has been thoughtfully handpicked for you. They are the epitome of elegance and taste. Gourmet food hampers are a popular way to thank employees, clients, and business partners. Some of our most popular food hampers are the healthy gourmet collection, the munching in wonderland collection, and the festive foodie collection. You may also choose eco-friendly gift baskets to add a touch of class.

  • Stationery & Desk Organizers

What better method to ask your staff to return to work following the pandemic’s never-ending lockdown? Stationery, planners, smartphone holders, and calendars are among the alternatives. Nature Lover’s Desk Organizer and Planet Lover’s Dream Desk are two wonderful Diwali packages for stationery enthusiasts. You may also choose eco-friendly versions of the same. We are confident that all nature enthusiasts will appreciate this present.


To summarise, corporate gifting trends 2021 are all about giving things that are meaningful to our employees, clients, and consumers. It is your obligation as a leader to make people feel selected, appreciated, and respected for all of their efforts.

Blazo Gjorev Explains How to Start a Trucking Business

A temporary job as a truck driver for immigrant Blazo Gjorev led to a decades-long career as a business owner in the transportation industry. He is now sharing his experience in starting a trucking company to help others who are interested in becoming business owners in this very important field.

Driving Experience

Blazo Gjorev stressed that the first thing you need to obtain is a commercial driver’s license which is referred to as a CDL. He said that many trucking companies have their own training programs or they may sponsor you in obtaining your CDL if you work for them for a few years after your training is completed. This is a good deal because it gives you the driving experience that you will need for the future.

Create a Business Plan

Before you start your trucking business, Blazo Gjorev said you will want to have a business plan in place that will clearly show what your projected revenue and expenses will be. This will help you in garnering funding for your business from a bank or other lender.

Determine the Structure of the Business

According to Blazo Gjorev, you will need to determine what type of structure you want for your business. You can choose from a sole proprietorship, partnership, limited liability corporation, or a corporation, such as C-Corp or S-Corp.

Save Up

You will need to save up some of your own money while you are getting your driving experience for another company to be able to start your own trucking business and be able to cover at least some of the startup expenses, Blazo Gjorev explained. Purchasing a tractor and trailer is pricey and so is the license that you will need to start your business.

Business Operations

You should plan how you want your business to operate, such as who will maintain the trucks, how will you find loads to take on, who will be in charge of accounting, taxes, payroll, and billing, and other minor details that you will need to figure out ahead of time, Blazo Gjorev said.

Be in Compliance

It is imperative that you know and understand how to properly comply with all federal and state regulations, Blazo Gjorev explains. This includes the rules governing operating authority, the need for a United States Department of Transportation number that is required, and you will need to learn and understand a variety of different taxes that apply to the trucking industry before you open your business.

According to Blazo Gjorev, owning a trucking business can be a very rewarding and lucrative experience as long as you plan ahead properly and are ready for the many exciting challenges that come with it.