The Smart Start Money Podcast
Why Do People in Their 30’s and 40’s Work for Minimum Wage?

Why Do People in Their 30’s and 40’s Work for Minimum Wage?

January 30, 2020

I recently responded to a question on why people in their 30's and 40's work for less than a higher wage. Some of the comments I saw on this subject were not only disrespectful, but they were simply not the truth. Not all older people that work for lower wages are drug addicts, ex-cons or government system leaches.

This podcast episode takes a look at why many people are working for less than they are likely qualified to earn.

 

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Save Your Money on New Technology

Save Your Money on New Technology

January 27, 2020

How can you save money on new technology?

 

From the newest cell phone to computers, the newest technology can be expensive.

 

This Smart Start Money podcast episode looks at ways to save money when it comes to buying the latest and greatest technology.

 

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401k Do’s and Don’ts

401k Do’s and Don’ts

January 23, 2020

Saving for retirement is crucial for everyone. Defined benefit plans, such as a pension plan, is not something that is readily available for most people any longer.

 

For many year’s pensions were a standard retirement plan that many employers provided. Some do still offer these, but they are becoming much rarer. Most employers have opted to offer 401k plans in place of these because they can be less expensive to administer. As companies continue cost-cutting and fuel the philosophy of more with less, more defined benefit pension plans will likely start to disappear.

 

Being 401k’s are for retirement, it is important for plan participants to ensure the investments have the possibility of growing as much as possible and also avoid mistakes.

 

This podcast episode looks at things you should and should not do with your 401k.

 

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Human Resource Department Misconceptions

Human Resource Department Misconceptions

January 20, 2020

Company Human Resource departments are often labeled as being there to help employees. This could only be further from the truth.

HR departments are not employee advocates. Their main objective is to keep a business out of trouble with the government and employment laws. Issues, such as sexual harassment and discrimination, are a few examples of real problems that do exist. The EOC (Equal Opportunity Commission) has a number of laws in place to protect workers. It is the Human Resource department’s responsibility to ensure a company does not get caught up in complaints that have the potential for further action.

This Smart Start Money podcast episode looks at what role a Human Resource Department really has. It isn't to help with conflict resolution or assist employees with their problems. The truth is HR does not care about you. Their role is to do the very best from the moment you walk in the door to protect the company that provides for them.

 

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How to Find a Good Employer

How to Find a Good Employer

January 16, 2020

If you are currently job hunting or even considering a career change, finding a good employer to work for is important. Not only is the employer investing in you, but you will be spending a great deal of your time with your new chosen employer. This is time away from your family, hobbies, and interests.

The problem with how to find a good employer today is they are becoming smaller in numbers. Employers are increasingly seeing their employees as being an expendable resource.

This podcast episode talks about things to look for in a good place to work. A workplace that is respectful and one that rewards people for their contributions.

 

Money Pit House Signs

Money Pit House Signs

January 13, 2020

Buying a home can be stressful and exciting. For first time home buyers, the process is one that can include tunnel vision with just getting into a home of their own. A house that appears ideal at the right price can be hard to pass up. However, no home is perfect and it is important to be cautious, patient and thorough when purchasing a home. If this is not done, you could end up with a money pit house. This will end up being a home that has endless repairs and expenses. It will equal the purchase of a home with a blank check.

This podcast episode looks at things to look for in a potential money pit home purchase. Not only are the typical high expenses with home ownership discussed, but there are items most people do not even consider that could be potential financial disasters when buying a home.

 

Are Online College Degrees Worth the Investment?

Are Online College Degrees Worth the Investment?

January 9, 2020

Getting a college degree online appears to be more popular. But are college diplomas earned online becoming more accepted in the workplace? Are online college degrees worth the investment?

This podcast looks at the acceptance of employers for employees that might have earned their education through online coursework.

 

The Truth About Performance Reviews

The Truth About Performance Reviews

January 6, 2020

Workplace performance reviews are simply a waste of time and resources. They are often done on an annual basis and sometimes also referred to as performance appraisals. These employee reviews are many times the basis for advancement or a salary increase. Many companies like to describe them as something good for both the employee and employer. However, performance reviews are typically not any good at truly improving employee performance.

This podcast episode looks at the real reasons companies like to use performance reviews and why many employers still choose the archaic method of evaluating their employees.

 

What is the One Thing You Should Save for With Your First Job?

What is the One Thing You Should Save for With Your First Job?

January 2, 2020

It can be tempting to reward yourself with a new car or a lavish vacation after landing your first professional job. Maybe you just graduated from college or finished a trade school and are now making a good wage for the first time. The first thing you should be saving your money for is not a shiny new vehicle or a European vacation.

This podcast episode looks at the importance of planning financially when someone gets their first job.

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