Most companies, particularly larger ones, have a human resources (HR) department, or at least one HR manager. HR is a vital department with a pivotal role for the employees and the company as a whole. But when to bring an issue to HR is a concern for employees at least once in their professional career.

As per Human Resources EDU, human resources managers "Are the overseers of the human resources department and insurers of the functions and tasks being carried out by the HR team. They are often seen as the link between an organization's management and its employees, as their work runs the gamut from providing consultation on strategic planning with top executives to recruiting, interviewing, and hiring new staff. Due to the supervisory nature of this position, human resource managers are called upon to handle employee-related services, regulatory compliance, and employee relations, among many other tasks."

That's why your HR manager is the best person to go to if ever you experience any of the issues listed below. The workplace should be a zone where everyone is treated with respect, equality, and fairness. HR is on your side. Be willing to speak to your HR manager when appropriate and necessary. It can make a major impact on your work life.

1. Harassment

There is never an acceptable reason anyone should be harassed in the workplace. Whether sexual in nature or otherwise, "joking around" or dead serious, a place of employment is the wrong place for harassing others. Not that harassment anywhere is acceptable, but at least at work, feel secure in knowing HR is there to protect you.

As per TalentZoo, "If you feel you are being harassed or bullied, you should talk to your human resources department. It doesn't matter whether the person doing the harassing is a client, customer, colleague, or boss. It's important to report it." U.S. News & World Report adds more specifically, " If you're being sexually harassed or harassed on the basis of your race, sex, religion, disability, national origin, age (if you're 40 or older) or other protected class, HR has a legal obligation to investigate and put a stop to it."

Not only can HR investigate and put an end to this inappropriate behavior, but your complaint will be on record with the company if the situation continues, worsens, happens to someone else, or needs to be proved to the boss or even in a court of law. Don't let any form of harassment fly under the radar. If not put to a halt, it will usually continue, making the workplace a volatile place to be.

2. Discrimination

No form of discrimination is tolerable in the workplace. It can lead to anything from awkwardness to tension to outright danger. U.S. News & World Report notes, "Federal law prohibits employers from discriminating on the basis of these traits (race, sex, religion, disability or other protected class), and companies are obligated to take action when a report of such discrimination is made in good faith. This is a case in which HR is more likely to more likely to understand what the law requires and know how to proceed correctly than your boss might be."

And it doesn't necessarily have to be you who is being discriminated against in order for you to bring it to HR's attention. According to The Undercover Recruiter, "It is possible to bring prejudice to light even if you are not discriminated against personally. If you feel someone's been unfairly treated, whether because of sexuality, age, race or disability, you have the right to raise the issue with your company, even if you don't share the characteristic that's being discriminated against."

Discrimination against anyone makes for a disrupted and even unsafe workplace. We're all in this together, so if you see (or hear) something, say something.

3. Accommodations/Lifestyle Change


If you need to make a change in your current work situation, be it time off, new hours, an inquiry about maternity/paternity leave, new openings in the company, etc., HR is the place to discuss and plan accordingly. The Undercover Recruiter says, "They'll (HR) liaise with your boss and try to make your schedule work for everyone."

Additionally, HR is your friend when it comes to understanding your company's benefits packages, pension and retirement plans, job details, vacation and sick day accommodations, health coverage, etc. The HR manager is responsible to relay this information to you and work with you to make sure you're set up with all the necessary paperwork and explanations. Always keep abreast of new packages and programs being offered at your place of employment and of any updates or changes along the way. These "extras" can be as important as your job itself.

If you are not being treated properly, HR is there to make things right. For instance, as per Talent Zoo, "If you're a breast-feeding mother, your office needs to provide you with a private area to pump milk during the day. If you don't have access to this, you should take your concerns to the human resources office." HR will let you know what your rights are and will help enforce and protect them.

HR is there for you, to make your employment experience positive with protection and knowledge. As The Undercover Recruiter puts it, "One of the most important people you'll be meeting is your Human Resources manager, because their main aim is your welfare. It's important that HR exists to make sure you, and your colleagues, are happy at work."

If you have an issue, don't hesitate to reach out to HR. Your safety and workplace satisfaction are their concern for both you and the company as a whole.

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As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.

While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.

A Wedding

Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.

A New Car

Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.

In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.

A House

Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.

As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.

It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.

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When you are newly hitched and learning how to combine your essential legal and financial information as well as your accounts, it can be confusing.

Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.

Discussing Money Motivations

As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:

  • How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
  • The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
  • What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
  • How do you go about consulting each other before making purchases over a certain amount?

Establishing Financial Goals

After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?

Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:

  • Student loans
  • Car loans
  • Future children
  • A house
  • Medical bills
  • Delinquencies on credit reports
  • Vacation and rainy-day funds
  • Emergency funds

Budgeting Together

The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.

Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.

It's the dream: money you can count on to keep rolling in, even while you sleep.

Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.

Rental Properties

Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.

A YouTube Channel

You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.

You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.

Auto Advertising

If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.

Digital Products

What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.