If you are putting together a tight staff for your small business, it's important to have the right mix of employees you can count on. Of course, each member of your team needs to be well-suited for their specific job at hand, but it's key to have a potpourri of personalities and skill sets to create a workplace ambiance that jives while saving you time and money. With these 5 types of employees on the roll, you'll be secure in knowing the job will get done and your small business will become a well-oiled machine that will get better and better with every move these people make both individually and as a team.

The Showman

You may be the boss, but it's important to have another person on the team who is a born leader too. Investing a little more in someone who's well-seasoned and can teach other staff members the ropes is highly valuable for the bottom line. The "showman" will be able to take charge, yet offer advice and direction to the rest of the group with strategies that have worked before. Think of the showman as you're #2 guy or gal, so if you're able to spend a little more salary-wise to get this person on board, the payoff will be worth it. Entrepreneur backs this up, "Having an employee that wants to share their knowledge with others can take a load off small-business owners' minds. It can eliminate the extra cost of hiring outside trainers and offers a layer of institutional knowledge that only people on the inside of a company possess." According to Salary.com, "Leaders are excellent for successfully taking charge of projects or teams. Talent is one thing, but you need someone who can harness that talent and manage it to achieve the best results." Let the showman show you what they've got, and he or she will help the team rise to the top.

The Sponge

Whether an intern or newbie to your general field or the workforce as a whole, it's always a plus to have someone on your team who's eager to learn and prove they've got the chops to get ahead. The "sponge" is always ready to listen and apply what they've absorbed to good use for the company. As long as there is passion and drive, the sponge is one of the best types of employees to have on the force, especially if they grow with the company. When you have invested in a person who's craving knowledge and not trying to outdo the others just for the sake of it, you've got a diamond in the rough on board. This person may help you out financially if they've started at the bottom, but if they help make the company stronger, it will pay out for you both in the end. As Entrepreneur notes, "They want to continue learning, whether it's on the job, through extra training courses or even graduate school. This type of attitude is something that can rub off on other employees and perhaps inspire them to further their education in some way." When the whole team's inspired to be the best version of themselves, you're bound to achieve.

The Wearer of Many Hats

While having dedicated employees who are experts in their area of specialty is crucial, there's always room for that special someone who's great at lots of things and is willing to pitch in when and where it's needed. Versatility is a hot commodity for a small business thanks to the problem-solving capacities and usefulness the "wearer of many hats" beholds. Bosses can save time and money by putting their minds toward the sweeping business needs and let this person handle the minutia of day-to-day necessities. Entrepreneur confirms, "People who can dabble in several different areas of the company – pinch-hitters – can be immensely valuable. Small-business owners can become overwhelmed at the sheer amount of work to do at various points throughout the year, with limited staff to tap into to get it all done. So, with others to juggle some of the duties, owners can focus on growth and strategy."

The Cheerleader

When a bunch of people are working for a small company, things can get rough. There is often so much to do, and at times with limited resources. Morale can dip without that perky person keeping things cheerful and in perspective. Sometimes the company owner is swamped and cannot give that 'pat on the back' to everyone for every milestone reached. While the "cheerleader" may not make or save money directly, by keeping the team energized, production will stay on track and positivity will prevail, making employees happier with their atmosphere and willing to go the extra mile. And this will make you money in the end.

The Creative One

In our overly technological world, "techies" are highly sought after for all types of small businesses, and for good reason. Every company wants to stay ahead of the curve on what's new and trendy for plugged-in consumers. That said, don't leave out the creative types. These out-of-the-box thinkers can help make your company stand out from the rest with innovative ideas and interesting outlooks on projects and plans. As Salary.com says, "Companies need creative individuals to assist them in navigating the ever-evolving world of technology. Companies can't afford to rest on their laurels these days, and the innovators are the ones who propel everyone else forward." So be sure to blend your team with those who use different sides of their brain for smart ideas for your company. It only takes one brilliant idea to make your small business explode!

Make sure your small business staff includes these 5 prominent types and you'll be covered when it comes to your demanding needs as you navigate through new steps in the business world.


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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.

Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.

And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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