Safety in the Workplace – the effects of fatigue and lack of sleep

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Workplace accidents are inevitable.  However, some industries can be more prone to incidents due to long shift hours or shifts that are outside of the traditional 1st shift hours of 7 a.m. to 6 p.m. Long hours coupled with short sleep duration and sleep disturbances often lead to higher risk of mistakes and mishaps. However, many accidents are avoidable when employees are alert, focused and fully engaged while performing tasks.

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Making the transition from recent college grad to full time employee

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Being a new graduate is an exciting time. You have accomplished a huge goal by earning your diploma and are ready to start the next chapter. Transitioning from student to full time employee is not always easy so here are some tips to help you navigate the process:

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Foreclosure sales – how do they work?

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When it comes to house hunting, you are bound to come across a foreclosure sale or two. It can be a great way to score a good deal on the home of your dreams, but it’s important to know how the process works.

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Credit Card Churning: What is it and Should You be Doing it

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The term credit card churning is relatively new, but the process has been around for years. So, what is credit card churning? It’s the practice of repeatedly opening and closing a credit card to earn its signup bonus over and over. Churners amass tons of reward points or airline miles from credit cards that they have no intention of continuing to use or even keep open. You’ve probably seen ads or even received offers in your email or mailbox from credit cards that offer valuable points, miles, or cash back to new account holders. Most also require you to charge a certain amount of money to the card within a certain period in order to receive the new card bonus.

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Vendor Management 101

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Most businesses use a variety of vendors to fill skill gaps within their company,  in fact many of the vendors used are critical to your day to day operations.   Vendors include services such as computer and IT support, bookkeeping, or even a graphic designer and writer. Many are key parts of your supply chain, so it’s critical they are well chosen and well managed.

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Finance tips every 18 year old should know

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Do you ever wish you could go back in time and make different financial decisions? Some of the worst financial decisions are made when we are young and just starting to manage our own money and bills. At 18, you get that first taste of freedom, you can get your own credit card, open your own bank accounts without a parent, and even get a loan for a car on your own. But, making the wrong choices this early in the financial game, can set you back and affect your credit for years to come.

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Are you automating your business?

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One thing you can never create more of is time. It can be very difficult to grow your business when you lack time and resources, especially if you are a small business with limited staff. One of the easiest ways to free up time is to automate your business. This is where the adage of working smarter and not harder comes into place – by using technology.

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What is a Cash Mob and Why do we do Them?

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Perhaps you’ve heard some buzz lately around Litchfield Bancorp’s Community Cash Mobs, but you weren’t quite sure what they are and why we do them. As part of our Locally Owned, Locally Grown campaign to help support local businesses and the communities in which we serve, we launched our Cash Mobs in 2017. A Cash Mob is a community event that people use to join together and support local businesses.

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Why every millennial should have a Roth IRA

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There’s often a debate over which retirement fund you should choose:  a Traditional or Roth IRA? As a millennial, there is a definite advantage to choosing one over the other. Continue reading “Why every millennial should have a Roth IRA”