Sean Penn Brings His Model Daughter, Dylan, to the Beach With Him

Sean Penn Brings His Model Daughter, Dylan, to the Beach With Him

Sean Penn Bring Your Hot Daughter … To the Beach Day! 12/28/2017 11:51 AM PST Dylan PennΒ looked like a chip off the old block in Hawaii … flaunting her best …

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Should You make $300,000 with E commerce or Affiliate Marketing Info Product πŸ”‘πŸ”‘

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The airline answerable for Chrissy Teigen’s flight from hell loaded passengers up with 30,000 Japanese Yen simply to attempt to make good. One of Chrissy’s co-passengers tells us when All …

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Just 10% of Small Business Employees in Biggest Hispanic Metro Areas Get Retirement Benefits

Hispanic Retirement Savings Trends

A new study from Finhabits finds that less than 10 percent of employees in small businesses located in the top five Hispanic metro areas of the U.S. have access to employer-sponsored retirement savings accounts.

Hispanic Retirement Savings Trends

The ‘2017 Latino Small Business Workers Lack Retirement Savings study found there is a significant ethnic gap in retirement savings. The states with the largest concentration of Hispanic residents — namely Arizona, Florida, New Mexico and Texas — are the worse for small business employee retirement savings. Small business employees within these states have less access to a retirement plan through their employer, the study found.

The research draws attention to the importance of small businesses offering a retirement plan to employees. Providing employees with the security of an employer-sponsored retirement plan can help small businesses attract and retain workers. By showing a vested interest in workers via the incentive, small businesses stand apart from competitors who do not offer such benefits.

Carlos Garcia, founder and CEO of Finhabits, spoke of the issues the lack of retirement savings with Hispanics working at small businesses can create.

“We have a retirement savings problem in the U.S. and the data clearly shows a wealth savings gap with Hispanics working at small businesses. Our analysis found a moderate and troubling correlation between retirement savings and the Hispanic population of a city. This will have a long-term impact on the quality of life and the economy,” Garcia said in a press statement announcing the study results.

The report found that in the leading five Hispanic metro areas, an average 4 percent of small businesses with fewer than 100 employees offered a 401(k), a retirement savings plan sponsored by the employer.

With 41.9 percent of small business employees having a retirement plan in place, Connecticut is the best state for small business employee retirement savings, Finhabits found.

The report should be a wake up call for small businesses to offer the right incentives and benefits to employees, if they can afford to do so.

Image: Finhabits

This article, “Just 10% of Small Business Employees in Biggest Hispanic Metro Areas Get Retirement Benefits” was first published on Small Business Trends

Mail Postcards Make Money – American Bill Money 2018 Review INCOME PROOF – Home Based Business

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Don’t Take These 6 Shortcuts with Your Startup Business

6 Shortcuts Startups Should Avoid

Plunging right in and recruiting a top-notch executive for your startup who has tons of experience working in large companies might seem like a good idea. However, in reality, recruiting candidates without any startup experience can do your business more damage than good.

Taking shortcuts might seem like a good idea to save you time, money and effort, but certain shortcuts can often be detrimental to businesses that are starting out.

Shortcuts Startups Should Avoid

To help startups avoid making potentially damaging shortcut mistakes, Small Business Trends spoke to serial entrepreneur Patric Palm, who now serves as Co-Founder and CEO of Favro. Via email, Palm provided 6 tips for avoiding problems with your startup.

Avoid Recruiting Candidates Without Startup Experience

It’s not unusual for startups to look to recruit experienced executives from big companies to help get themselves off the ground. Such executives can be keen to leave the enterprise scene and work for a hot new startup.

“Unfortunately, these execs have no experience inside an entrepreneurial environment,” warns Patric, advising founders to ensure that the execs they recruit have the right mindset and ability to adapt to the startup space.

Don’t Make the Mistake of Hiring Too Quickly

According to Palm, many scale-ups can grow so quickly that hiring managers forget to analyze what makes a successful teammate.

He advises hiring managers at scale-ups to:

“Slow down and consider the attitudes, skills and values that will make for a reliable and productive teammate in the long run.”

Don’t Attempt to Scale Up Without Automated Onboarding Systems

When a startup is only growing from five to six employees, companies can get by using manual onboarding processes. However, as a startup grows from 5 people to 20 people to 100 people, these manual onboarding processes will no longer suffice.

“Scale-ups must implement an automated onboarding system to increase agility and efficiency,” says Palm.

Avoid Selecting the Wrong Investors

It’s not uncommon for scale-ups experiencing rapid growth to jump the gun when seeking investors. This means, as Patric warns, “they’ll quickly take on funding without stopping to think whether these investors will provide the additional support needed to nurture a startup.”

Don’t Leave Agile Behind

Rapid growth doesn’t mean business operations accelerate to meet the company’s fast expansion.

As Palm notes, when a startup is comprised of only a handful of employees, organizational processes tend to be agile and efficient. But as scale-ups double and triple in size, these processes can easily lose their agility.

“To ensure agility doesn’t get left behind, companies need to have the right tools, people and culture in place,” advises Palm. Refrain from going overboard on expensive solutions.

According to Palm, scale-ups will quickly earn a lot of money and gain customers, making it easy for the c-suite to throw money at expensive tools.

“The problem is that many of these tools don’t scale and will only solve short-term problems — making a company bloated with costly and ineffective solutions,” says Palm.

He gave Uber as an example of this.

“Uber got very far in terms of growth, but is now having issues with cost-efficiency. The point is that while it’s important to grow fast, it’s just as important to build a culture of frugal spending habits,” says Palm.

Are you a small business owner with first-hand experience on some of the pitfalls of taking shortcuts when you’re starting out? We’d love to hear our readers’ startup experiences and tips.

Photo via Shutterstock

This article, “Don’t Take These 6 Shortcuts with Your Startup Business” was first published on Small Business Trends

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