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Every business owner knows it’s important to give his or her employees feedback regularly. In fact, doing so can reduce turnover rates, increase engagement, improve productivity and motivate workers to do a better job. However, not all employers recognize the importance of soliciting feedback
from their employees, even though the benefits of doing so are much the same.

Employee feedback surveys are probably the simplest way to get the lowdown on what your workers see as the good, bad and ugly aspects of their jobs and your workplace.  But before you sit down and put one together, consider their pros and cons.

Most workers expect to receive Social Security benefits when they retire—and if they’ve earned at least 40
Social Security credits during their career, they will. What they may not expect is the additional benefit their spouse can receive as a result. Consider these often surprising facts about the lesser-known social security spousal benefit program.

Your spouse can get spousal benefits even if he or she has never worked. Because the benefits are based on your work history, it’s not necessary for your husband or wife to have accumulated any Social Security credits to receive them. This is important for single-earner families, a category that was much larger back when the Social Security program was established than it is today.

Does your team complain about neck or back pain? Do you often have employees out sick due to headaches? According to the
American Academy of Orthopaedic Surgeons, desk workers who use computers regularly are in danger of nerve, tendon, ligament and muscle injuries that cause symptoms like these due to ergonomics issues.

There’s no doubt the reduced productivity, increased sick days and worker’s comp claims that result are bad for business. Fortunately, properly designed workstations and a little instruction in proper posture can eliminate ergonomics problems for the majority of desk workers.

Recasting—also known as re-amortizing—is a little-used option homeowners have for reducing their monthly mortgage payments. Unlike a refinance, the loan term and interest remains unchanged by the recast. However, when they’re applied to the newly reduced principal, the amount required each month to satisfy the loan by the end of its term is lower.

You must make a lump sum payment to reduce your loan balance and request a recast. While the amount required varies depending on your lender, it could be as much as 10 percent of your remaining mortgage balance. The fees, however, are likely to be lower than those required for refinancing are—as low as $250 in some cases.


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