article thumbnail

What Is a Credit Freeze, and Should I Do It?

Success

However, knowing what a credit freeze is and taking advantage of it can help protect you and your finances. When you freeze your credit, it keeps sensitive data in your credit files from being accessed without your permission. million reports of identity theft. Credit freezes restrict access to your credit report.

article thumbnail

Employee personnel files — what should and shouldn’t be included

BMT Office Administration

Setting up employee personnel files is an important part of the recordkeeping process. However, sometimes people mistakenly think of these files as a catch-all for an individual’s paperwork. Rather, understand that general personnel files serve a distinct purpose. What to include in an employee’s personnel file.

Filing 121
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Employee Files: What to include, what to leave out, and what’s confidential

BMT Office Administration

While dealing with lots of paperwork doesn’t rank as most HR professionals’ favorite task, proper recordkeeping for employee personnel files is a must for any organization. In addition, if an employee is involuntarily let go, their employee file must be kept for one year following the termination date. Why is that?

Filing 52
article thumbnail

How to Save Money on Your Car Insurance

Success

Review your driving record occasionally by contacting your state’s Department of Motor Vehicles (DMV) and check the report for potential errors. If you find a mistake, file a dispute to remove the error and clean up your record. Work on your credit history. Doing so can help you save money on car insurance.

Policies 139
article thumbnail

Bad Credit 101: The Small Mistakes That Are Killing Your Score

Success

You just applied for a credit card, or maybe it was a new apartment or a loan, and you got denied. You were under the impression that your credit was solid. It just sucker punched you in the face, so now you’re wondering what’s causing your bad credit score. Accounts in collection cause a bad credit score.

article thumbnail

Stacey Abrams’ New Co-Authored Book Details the Struggles Black Entrepreneurs Still Face and Why Business Partnership Differences Can Be Your Superpower

Success

Despite a record uptick in new business filings during the recovery from the COVID-19 pandemic, entrepreneurship has been on a troubling downward slide for years. Forty-five percent of Black and Latinx small-business owners who were still in business in May 2020 reported they would have to close by the end of the year, if not sooner.

article thumbnail

E-Receipts vs. Paper Receipts

Eco-Office Gals

E-receipts are easy to generate through an effective credit card processing solution that issues the e-receipt to the customer’s email address at their request. The strategy of issuing e-receipts aligns with tablet POS (point of sale) credit card processing in particular. photo by: ben_osteen.