While many enterprises are concerned about the costs of such programs, they may not be aware that studies show an actual cost savings from creating a working employee assistance program.

One major positive result of an employee assistance program is a competitive advantage in the marketplace. A workforce that is enduring chronic stress is less manageable and less productive. Stress can manifest in many ways which hurt your business, including lack of courtesy, less creativity, lack of concentration, lack of motivation, and employee absenteeism. Employees with mental health or personal problems typically have a work performance of at least 35% below normal.

Absenteeism has obvious costs to any enterprise. Employee assistance programs providing intervention in cases of substance abuse, major life events, and chronic stress problems can drastically decrease the number of days missed.

Many employees have personal or family problems that prevent them from attending work which can be resolved or mitigated through an employee assistance program. Because 5.6% of the average enterprises payroll is spent on absenteeism, a cost of less than 1% for an employee assistance program is a huge cost savings.

Another major benefit to employers is a decrease in turnover. In 65 to 80 percent of cases, the cause for termination is due to personal or interpersonal factors rather than an inability to perform the job. An employee assistance program is designed to help resolve precisely these type of issues before termination is necessary.

For example, an employee could get free counselling services to learn to manage workplace stress effectively, or two workers with an interpersonal dispute could seek out mediation in order to resolve the problem. Terminating an employee has many negative effects, including loss of workplace morale, disruption to work processes, and increased costs to the enterprise for recruiting, hiring, placement, and training.

Even a small reduction in turnover can have huge impacts on an enterprises bottom line. For example, replacing a single clerical worker has a cost of nearly GBP 2,000, replacing a member of technical staff can cost GBP 7,000 or more.Stress and personal problems can also create unforeseen problems such as workplace accidents, injuries, and disabilities. Studies show that stress contributes to 85% of accidents.

If an employee assistance program helps reduce the workplace disruption and morale problems of a single significant workplace accident, it can likely pay for an entire year of the programs cost.One study of employees in an automobile plant showed dramatic changes from implementing an employee assistance program in order to specifically offer support for alcoholic employees. This created a huge difference in the workplace.

For example, absenteeism decreased by 56 percent, disciplinary problems decreased by 63 percent, and workplace accidents decreased by 82 percent. The relative cost savings of an employee assistance program will, in most cases, far outweigh the initial financial cost.

Richard Reid of Pinnacle Proactive, Specialists in the Employee Assistance Program, Stress Management, Staff Retention & Absenteeism. Take a Proactive Approach in Growing Your Organisation

Article Source: Why Employee Assistance Programs Work

Roadside assistance is something that everyone who drives needs to have. It doesn't matter if your car is brand new. It can still break down. Too many individuals have the mentality that they don't need any kind of roadside assistance because their car is fresh off of the assembly line.

The truth is that a new car can break down just as easily as an old car because defects do occur. Many new cars come with roadside assistance as a part of their warranty. However, the roadside assistance may not be adequate. It is important to review the specifics of the manufacturer's plan to see if it is what you need.

Purchasing roadside assistance

When purchasing roadside assistance, make sure you do your research. Without research, you don't have a leg to stand on. It is through research that you're going to isolate the services that are important to you. You don't want to be on the road and suddenly become stranded with no one to help you. Roadside assistance keeps this from happening.

Here are benefits of roadside assistance that you need to make sure you receive:

- Battery assistance: Car batteries die for various reasons. Perhaps you left your interior light on or you left your headlights on. You could also be having problems with your alternator, which can kill your battery. If that's the case, roadside assistance can jump your battery for you so that you can arrive at a safe place.

- Tire assistance: It doesn't matter how old your car is, tires become flat. You might run over something or your tire might have a leak. Whatever the issue, roadside assistance will ensure someone comes to change your tire to your spare for you.

- Lockout assistance: Everyone has that moment when they realize they have locked their keys in their car. That is a terrible moment and a locksmith can be expensive. With roadside assistance, the cost of locksmith service is included in the membership. Roadside assistance will have someone come and let you in your car.

- Gas service: Some do run out of gas while on the road. If that happens, roadside assistance will have someone come with a couple of gallons of gas. This enables you to find a gas station to fill up the rest of the way.

- Towing service: This is one of the most important features, if not the most important, of all a roadside assistance package. This is because towing service can be expensive. Since it is included in the price of a roadside assistance package, it costs nothing additional and you can have your car towed to a safe place.

All of these features are very important to have so that you're not stuck in any type of situation without any help. That can be a horrifying experience.

Comparing services

When doing your research to choose the right roadside assistance program, make sure you look at all of the benefits. From there, look at the cost. If one is cheaper than the other, take into consideration that the cheaper one may not have the services you need. If it does, then that is great.

If it doesn't, look at the more expensive one and then compare it with other services with the same benefits. You're going to find so many different price ranges, but you shouldn't have a problem finding the roadside assistance program that will do the job for you. Remember that it is not a good thing to be without roadside assistance because you could be placed into a dangerous situation without it.

Auto club offering membership roadside assistance, car and travel insurance Canada.

Article Source: What are the Benefits of Roadside Assistance?

As with all kinds of other problems, when one is spotted at an early stage in the workplace it allows for an early intervention that can ward off larger troubles down the road. The opportunity for intervention and counseling before a major problem develops needs to be recognized and acted upon here.

There are several of these indicators that point to a major problem developing and they include:

A decline in performance where the employee appears apathetic or rude

The employee continually complains about every trivial aspect of the job.

The employee has continual interpersonal problems with other people on the job

The employee resents criticism and resents others in his or her work group

After the manager begins to notice these typical warning signs, the problem generally becomes more serious. More of than not, the problem starts to manifest in even more serious problems like leave without absence, insubordination and even non performance of duties. When the problem has reached this stage it's generally time to take action.

There is typically a two step referral process. It's important to remember here that it is in the employers best interest to hand the problem off to the proper Employee Assistance Program representative at this stage. Once the problem has been identified, one or more warning interviews are held.

The employee is given the option here of accepting assistance from the Employee Assistance Program here or accepting the consequences of their unacceptable job performance.

When these meetings take place, it's essential that the job performance documentation is used as the basis fro the referral. The manager doesn't need to know the origin of the employee's problem; that will only become your knowledge if the employee signs a release of information that will be released to you.

As well, the time and the place for the meeting needs to be chosen carefully. Plenty of time needs to be allocated for the meeting since you dont want to rush. Make sure that it takes place in a private place where you'll be able to avoid interruptions. Make sure that the employee feels important by what you do and say as well. The goal of the whole process is retention.

Thorough documentation is essential. Make sure that the meeting focuses on the objective performance of the person and not on personality. In other words, it's very important that the managers stick to the facts. Allow the employee to give his or her point of view but don't discuss or try to resolve anything at this point. Remember that it's essential that you remain objective here and that you dont lose you temper or become defensive.

Remember too that the Employee Assistance Program is not a cure all and it's not always the best way to go for every organization, but generally they are growing in popularity as a way for companies to retain their most valuable assets, their employees.

Richard Reid of Pinnacle Proactive, Specialists in the Employee Assistance Program, Stress Management, Staff Retention & Absenteeism. Take a Proactive Approach in Growing Your Organisation

Article Source: Right - So How Do You Implement an Employee Assistance Program?

There are number of programs available to assist single parents in improving their educational standards. For lone parent considering such prospects, you have a number of options with you.

The National Pell grant program is established to support low and middle income single parents to study in college. Their grants ranges starting from $400 up to $4,300 depending on your income and family strength. The college you want to join will require you to submit a full financial statement. Your income will be greater as you are the single bread winner for a family unit of 4 rather than living alone. FAFSA is the standard form used for this purpose by all the schools which provide financial support. To run this program with uniform justice these forms are standardized and in this way all the institutions can judge the applicants in an equal manner. All you have to do is to select your school, apply on the form and if you are on the merit you can start off.

Student loan is another way to finance studies for single parents. These low interest loans are supportive as they usually have minimum interest rate and return of payments are postponed till graduation or if you are unable to attend the compulsory number of hours. If you are looking for the loan it is mandatory to be careful about the terms and conditions. If you are unaware about the terms, try getting some assistance first. Most of these are mandatory to return and you cannot get rid of student loans by filing bankruptcy. Adding up of interest will result in piling up of hundreds of dollars to be paid back. Private student loans are one such type of loan in which there are variable interest rates, moreover the terms are not as good as standard federal student loans.

A number of single parents decide to return to college and a number of adult scholarships are available to support them. You need not pay to look for these scholarships as you can get the help of certain non profit organizations. These agencies are available allover the country. One such agency is CFNC.org which mainly looks after residents of North Carolina. Similar websites assist lone parents as well as other students to find student scholarships.

In general a large number of single parents decide to resume the college either to acquire a degree or to get a higher qualification. The aim is to increase their job prospects. Pell grant, student loans and adult scholarships are all viable options for low or middle income single parents. Some options out of these are for specific groups such as single mothers. The idea is to use as much free assistance as possible to find the best option and then to look for the correct place to find it. This is where admission offices of various schools come to your help as they are keener to teach committed adults as compared to non serious young ones.

Find out more about the public debate on single parenting and effects on children as well as common fact about single parenting at http://www.singleparentingfordummy.com, the top online resource portal on single parenting for dummy.

Article Source: College Scholarships and Educational Assistance For Single Parents

There is no doubt that more and more people have been forced into financial difficulties by the collapse of the US housing market, and are now being faced with home foreclosure. And with the rising number of requests for foreclosure assistance, there has been an accompanying increase in the number of foreclosure assistance scams. To make matters worse, those responsible for the scams not only walk away with their victim’s cash, they often walk away with the titles to their homes too.

Even if you have received a foreclosure notice, you should not panic and reach for the first offer of foreclosure assistance. You need to learn how to recognize the tricks which foreclosure assistance crooks use to swindle those in your situation.

The Equity Skimming Scam

The stress of being in financial difficulty can very easily cloud you judgment, and this is especially true if you are confronted with the looming loss of your home. One of the scams perpetrated by fake foreclosure assistance companies is Equity Skimming.

In the Equity Skimming scam, an unsolicited offer is made to find a buyer for your home so that you can clear up your debt s, and the individual making it requires you to sign your home over so that you will no longer be facing foreclosure, with a promise that you will be paid some of the profit when they sell the home.

But once you have transferred title to your home, the scammer will simply rent it out for a while, pocketing the rent while the bank proceeds with foreclosure. You have lost your home, and will remain liable for the unpaid mortgage, because transferring the deed did nothing to transfer your mortgage obligation. You are out not only whatever you paid the scammers, but your home as well.

Fake Counseling Services

Then there are the fake foreclosure assistance counseling services. They tell you that for a minimal fee you will be able to have their experts negotiate with your mortgage holders to get the foreclosure assistance you need They promise to relive you of the burden of having to deal with your mortgagor on your own, saying that their expertise in such matters will enable then to get you the best possible deal.

But more often than not, the only methods of foreclosure assistance they are capable of offering are those you could practice on your own, at no cost. The best they can do, if they even do that much, is get you a short-term grace period of lower monthly payments while you look for alternative sources of money to pay off your mortgage default. For more info see http://www.myfinancialbliss.com/foreclosure/foreclosure-assistance-18 on foreclosure assistance.

Do not accept any offers of foreclosure assistance which are not spelled out in writing. And do not agree to any agreement without first having it reviewed by an attorney familiar with foreclosure. Finally, if you suspect you have been targeted by a foreclosure assistance scam, contact the Consumer Fraud Unit of your District Attorney’s office without delay.

You can also find more info on foreclosure prevention and foreclosure refinance. Myfinancialbliss.com is a comprehensive resource to get your all financial solutions.

Article Source: Foreclosure Assistance: Learning To Spot The Scams

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