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Only 32% of employees are happy with their work, which shows business owners must find ways to increase their team’s satisfaction.

Most companies use employee incentive programs to motivate their employees and keep them engaged in the workplace. As you brainstorm options, it’s important to consider your team’s needs and what they want to see from your business. Perhaps you’re currently struggling to choose between options, and you’re looking for inspiration.

Sounds like you? Don’t worry; you’ve come to the right place. Here are the best employee incentive programs for every industry.

Salary Incentives

One of the top employee incentive ideas includes boosting your team’s salary. Not only does this attract new hires, but offering a decent paycheck encourages employees to stay loyal to their business and not seek new pastures. If this interests you, then offer vouchers, tips, or a raise once a team member has stayed in their position for a specific period.

Retirement Benefits

Another tip for retaining employees is offering your team retirement benefits if you don’t already. Many businesses match their team’s retirement contributions, which helps grow the fund. A major benefit is employees will be motivated to work hard because they know you’re investing in their future.

Tax Incentives

If you’re looking for employee incentives examples, then focus on giving your team tax benefits. For instance, offering to hire individuals full-time as it makes them eligible to pay less tax.

Interested? Then check out for more information on the topic.

Free Online Development Courses

Aside from using employee incentive gifts to motivate your team, it’s important to offer free development courses. This shows employees that you value them and want to watch them grow professionally. Make sure you offer a range of resources, and you can create another incentive by giving employees a bonus once they’ve finished the course.

Choice of Working Remotely

One of the most underrated employee incentives is letting your team work remotely. Offering flexibility shows you trust and want them to nurture a healthy work-life balance. But, if you’re uncomfortable with this, then offer remote working to employees who ask or need it, such as when an employee is sick, can’t get childcare for that day, or is having car troubles.

Student Loan Debt Assistance

Around one-third of American students have debt, and the average is around $38,792. It’s no surprise that this financial burden is stressful, which is why companies should help their team alleviate it. Businesses could, for example, create a monthly student debt relief plan for their team, and this will encourage employees to stay.

Try These Employee Incentive Programs Today

Hopefully, you’ll test these employee incentive programs at your workplace.

There are many creative incentive ideas, such as offering student loan debt assistance, tax incentives, and retirement benefits. You should also nurture your team by giving them access to free developmental courses and a raise once they’ve been there for a certain period. Good luck!

Found this article helpful? If yes, then check out the rest of our blog.

With the work world still in a state of flux between on-site and remote work, many people still feel economically insecure. Some combat that feeling by looking for side hustles that can bolster their monthly income.

The cash strapped often look for low-cost side hustles like freelance writing. If you have a little money to invest, though, you might look at a 3D printer you can use to make things you can sell online. Of course, that begs the question of what 3D printer projects are the best choices.

Keep reading for a quick breakdown of options that can help you get started.

Gaming Miniatures

Gaming miniatures are an ideal option for the burgeoning 3D printing businessperson. For one, customers plan on painting the miniatures themselves. That eliminates a whole step in the process.

As an added bonus, you can also offer custom miniatures if you possess the design chops for the task. You will need 3D printer design software for that task. The upside is that you can charge premium pricing for one-of-kind miniatures.


Simple toys provide another great option for beginners. Just make sure you understand the liability rules. Children’s toys must often meet regulatory standards for issues such as choking and materials.

Toys for adults, such as fidget spinners, typically offer the lowest levels of potential liability. If you create a custom toy that gets very popular, you may end up needing a large 3D printer or end up outsourcing to a 3D company like to meet demand.


Custom jewelry is another popular option, but it also calls for design skills. Your average plastic resin 3D printer usually won’t cut it for these projects either. You’ll need a 3D printer that can handle metal or carbon fiber filaments.

That can drive up the 3D printer cost and the cost of 3D printing materials. On the flip side, it’s also a product that lets you charge premium prices.

You can also do batch production on some designs for sale online.


Believe it or not, you can also get filaments that incorporate stone. That lets you print original or replica statues and busts. While they might not prove a mainstay for you, they can provide a secondary income stream if you specialize in certain types of statues.

Just make sure you steer clear of copyrighted materials, such as movie, video game, or TV materials.

3D Printer Projects and You

Picking the right 3D printer projects for your business depends in part on the market and in part on your own interests. You will find writing marketing copy for things that interest you far easier than writing it for things you don’t care about.

You must also make some decisions about what direction you will go in so you can get the right printer and materials. Some projects lend themselves to additive printers while other projects need a 3D laser printer.

Looking for more business ideas? Check out some of the other posts in our Business section.

Financial progress is an indicator of your ability to reach your goals. To determine how far you’re coming to achieving a goal or meeting it, financial advisors monitor your progress and keep track of how much time it takes. If your goal is to purchase a house within 5 years, then you will have micro-goals such as saving enough money for the downpayment in 5 years and building credit so that you can apply for a loan. In such cases, the financial advisor will advise you on which investments can provide enough returns within 5 years to pay the down payment. You should also get rid of any existing debt to improve your credit score. You can do this in many ways: establishing a budget and sticking to it; investing more to build a large corpus; reducing your debt to reduce money outflows; improving your credit score. Your financial advisor will monitor your progress over the years to determine if you are on track to reach your goal. They may suggest changing your investment strategy to meet your financial goal.

  1. Suggest New Ideas Increase Your Financial Security And Growth

Your investment portfolio will show both favorable and negative returns as the market changes constantly. It is important not to let this get you down. You can always make things better by making timely decisions and using new investment strategies. Financial advisors are responsible for helping you to make things right when things don’t go according to plan. Unexpected and unanticipated political changes, global crises, environmental damages, etc. Market volatility can cause a market drop. This could have a negative impact on your investments and delay your goals. For example, a recession in 2008 or a pandemic in 2020 caused a significant rise in unemployment. Many people lost their jobs, while others had to give up bonuses and salary increases. These factors can hinder your ability to achieve your financial goals. Financial advisors are there to help you when your investments fall and you need money to keep them afloat. They monitor your financial progress and can take steps to protect your money. They may ask you to have an emergency fund and to rebalance your portfolio from time-to-time.

  1. Up-to-date With Your Changing Circumstances

At every stage of your life, your goals and dreams can change. While people without family responsibilities might want to travel and own a home or car, parents would be more focused on saving money for their children’s higher education costs. As you age, your focus shifts to your long-term care needs and health. Your financial goals and requirements change as you live a constantly changing life. Your financial responsibility as a single, unmarried individual may rest with you. You may also be responsible for the financial security of your spouse or partner. These factors require a change in how you invest. Your contributions to a retirement fund that is expected to provide support for you and your spouse over the long term would be greater than if your savings were just for you. To pay for college expenses, children would need to be saved in a 529 Education Savings Account or an Education IRA. You would need to cut back on your spending or make more money in order to allow for these contributions. Sometimes, you may be forced to sacrifice certain financial goals in order to make way for others. Your finances can be affected by your personal choices, family responsibilities, age, and attitude. A financial advisor will keep these factors in mind when preparing a financial strategy that is right for you. These professionals can help you keep track of your goals and stay on top of your life changes by keeping up with your current situation.

  1. Do Damage Control To Correct Past Financial Mistakes

Many things can hinder your growth. Impulse purchases, poor business decisions, peer pressure, and investments can all hinder your growth. Sometimes, you can fall behind your financial goals. Debt is another major deterrent. Debt can make it difficult to earn the investment returns you desire. You could have a very low credit score and high monthly repayments if you rely on credit cards or loans for major and minor purchases. This could eat into your savings and limit your lifestyle. It can also make it difficult to live comfortably. A financial advisor can help limit some of these problems. Financial advisors monitor your progress and help you to avoid making bad financial decisions. Financial advisors can suggest ways to rectify bad decisions that could have an impact on your future goals. A financial advisor can help you determine a realistic repayment plan if your debts are high. A financial advisor would recommend that you stop taking on the additional debt until all outstanding dues have been paid. Next, increase your investment to generate sufficient returns to cover your expenses.

  1. Diversification Is Important

Diversification can increase investment returns and spread risk across different industries, asset classes, or instruments. A financial advisor can recommend diversification strategies to help you achieve your goals if your portfolio is dominated by one investment or industry. An investment portfolio that only includes stocks could lead to high volatility and high risks. Undiversified portfolios can increase the risk and cause you to lose money. Proper diversification can help to reduce risk by using bonds, real investments, mutual funds, and other financial instruments. These are all things a financial advisor will keep in mind as they monitor your goals. A financial advisor will also review and reallocate your assets to take advantage of changing market conditions. You can monitor your goals by making sure your portfolio isn’t too diversified or under diversified. To protect you from market volatility, financial advisors monitor your investments on a regular basis.

  1. Open Communication Is Key

It is essential to communicate honestly between a financial advisor with a client in order to get the results you want. It is essential that communication be maintained in order to reach the goals you have set. Regular meetings, email exchanges, phone calls, etc. Both parties should be well-informed about each other’s thoughts, ideas, actions, and preferences. To review their portfolios and brainstorm ways to improve them, financial advisors organize periodic meetings with clients. They also discuss income sources and budgets in light of inflation and income. The meetings allow the financial advisor to get to know the client and their needs. They also help them incorporate the advice and methods into their lives.

Let’s Sum It All

Financial advisors are essential for your financial growth. However, it is important that you share all details with your advisor. People can hide important information from fear or insecurity, which can lead to missing out on great opportunities. No matter how careful or reckless you may be with your money, it is important to share a complete picture with your advisor about your financial habits. This will allow them to gauge your personality and needs, so they can suggest you the best investment tools.

This post was written by All Seasons Wealth. At All Seasons Wealth, we provide expert advice and emphasize the importance of creating in-house portfolios to personalize your strategy for asset management, financial planning, and cash management. We utilize research and perform market analysis to provide you with a Financial advisor in Tampa. No matter your needs, we can work with you to develop a consulting solution tailored to you.

Any opinions are those of All Seasons Wealth and not necessarily those of RJFS or Raymond James. Investing involves risk and you may incur a profit or loss regardless of the strategy selected. Investing involves risk and you may incur a profit or loss regardless of the strategy selected. Every investor’s situation is unique and you should consider your investment goals, risk tolerance, and time horizon before making any investment. Past performance may not be indicative of future results.

The sea freight forwarding market has grown exponentially over the past few years and is expected to reach a monumental $207 billion by 2026. A lot of people are jumping into this business for the booming eCommerce industry that has been the catalyst for growth. Essentially, this means that once you search for the best sea freight forwarder, you’re bound to find numerous results.

The question is, how do you find the right one for your business? In this guide, we’re going to explore all the factors you must consider before hiring a sea freight forwarder.

Read on to find top things you should look for in a freight forwarder.


You’re looking for a sea freight forwarder to help you import and export your products, how do you find one that can handle your needs?

Experience is key. You should definitely look for sea freight forwarders with extensive experience in sea freight forwarding as well as warehousing and distribution.

Not only will they be able to better understand your business, but they’ll also have the know-how to navigate the complex issues related to sea freight shipping.

Simply put, experience is everything when finding a sea freight forwarder. Find a company that’s been around long enough to master every intricacy of the industry and provide customers with unbeatable services at unmatched rates.


As with every industry, sea freight forwarding has its fair share of scammers and fake companies. Make sure your sea freight forwarder is a verified business on LinkedIn as well as a legitimate business on Google My Business. Also, ask to see their licenses from organizations such as OTI and NVOCC.

If they provide you with any false documents or information, be careful. This may mean that there are some underlying problems the sea freight forwarder will have difficulty handling down the road.

In addition to credentials, we also believe that word of mouth counts for a lot too. An experienced sea freight forwarder can often be trusted more than one that just recently opened. So ask for references and get in touch with them.

Sea Freight Expertise

The sea freight industry is an expansive one, and sea freight forwarders need to have extensive sea freight knowledge. They should know how to handle all your sea freight needs successfully. A sea freight forwarder who only has experience in air and trucking forwarding will not be able to provide you with the high-quality service you deserve.

Ask sea freight forwarders about their specialties. Do they focus on international ocean shipping? Are they experts in LCL consolidation?

Are they experienced in lashing, securing, and deck loading? This is crucial when it comes to expanding or beginning your business. It’s also essential to have a sea freight forwarder who can handle all aspects of your sea freight shipping.


It’s no secret that the sea freight forwarding market is competitive, and rates can vary significantly from company to company. When searching for a sea freight forwarder, make sure you get quotes from multiple companies and compare pricing. However, do not simply choose the cheapest sea freight forwarder.

Remember, you get what you pay for. A sea freight forwarder that offers incredibly low rates may be cutting corners in other areas (e.g., customer service, safety procedures, etc.).

This can lead to disastrous results down the line. The best way to find a sea freight forwarder that offers the best value for your money is to consider all aspects of their services, not just the price.

Customer Service

It’s important to have a sea freight forwarder that provides top-notch customer service. After all, you’ll be working with them closely to ensure your sea freight shipping runs smoothly. A sea freight forwarder should always be available to answer any questions or concerns you may have, no matter how small they may seem.

Additionally, they should be able to provide you with regular updates on the status of your shipments and anticipated delivery dates. If you don’t feel valued as a customer, it may be time to find another sea freight forwarder.

Online Tracking System

When sea freight shipping, you should always be able to monitor the status of your shipment online. From assembly at origin to disassembly at the destination, as well as during sea transport. This way, you’ll have peace of mind knowing exactly where your sea freight shipments are at all times.

The top freight forwarders provide customers with easy-to-use online freight forward systems so they can track their sea freight shipments anytime, anywhere. A sea freight forwarder that does not offer this is one you should avoid.

Round the Clock Services

Oftentimes sea freight is an emergency shipment that is time-sensitive and important to get to its destination as soon as possible. A sea freight forwarder who provides round-the-clock services and support means you can communicate with them about sea freight shipments anytime.

You don’t have to worry about what time it is or where they’re located. Additionally, they should also provide an online sea freight calculator, so sea freight forwarding estimates do not need to be complicated or confusing.

Customs Expertise

When shipping goods overseas, there are certain customs procedures that must be handled for your sea freight shipment to arrive at its final destination successfully. When choosing a sea freight forwarder, ensure they have extensive experience working with customs officials across the world.

This way, you can be sure your sea freight shipment will not get held up in customs, and you’ll avoid any costly delays. The freight forward business can be complex, so find a company with a team of experienced customs brokers who can help you with all of your sea freight shipping needs.


When sea freight shipping, it’s always a good idea to have insurance in case something goes wrong. Unfortunately, accidents do happen during sea freight transport, and it’s essential to have someone you can rely on to help you through the process.

Make sure the sea freight forwarder you choose offers insurance coverage for both your goods and their own liability. The best sea freight forwarder should have insurance coverage for both cargo and liability so customers can have peace of mind knowing their shipments are protected during transport.

Finding the Best Sea Freight Forwarder

Finding the best sea freight forwarder can be a challenge. However, if you consider all these factors, you should be able to locate a reputable and professional company. That said, please head over to our blog for more informative guides!

Operating a successful business is the joy of any budding entrepreneur. However, it’s often a demanding endeavor that calls for due diligence right from the onset. Are you an avid business owner without insurance coverage? If you’re yet to have one, you might be risking your business greatly. Having a risk control strategy enables you to get matters handled before they spiral out of control. Below are compelling reasons to have public liability insurance.

1.   Avoid Sinking Into Financial Ruin

Any slight mishap in the business world can render you bankrupt if you aren’t careful. That’s why having public liability insurance coverage is of utmost importance. It’s an essential policy that provides compensation should any of your staff, services, or products get damaged. Without this crucial policy, you might be forced to pay for the damages from your pocket, which might be costly and, in turn, lead to financial ruin.

2.   Enhances Your Organization’s Reputation

Each customer or client is often demanding in picking fully insured businesses incase things go sideways. While submitting a bid to apply for a working contract, you might get sidelined if your competitors have better insurance coverage. Are you worried about getting the ideal insurance coverage for your enterprise? Worry not! Visit to get an in-depth guideline on the path to take. It’d be best to invest in the ideal public insurance coverage to make you the go-to business to your potential clients. It’ll also enable you to get other recommendations as you also build your business reputation significantly.

3.   Protect Your Clients

As an entrepreneur, you ought to exercise caution each time you’re dealing with the public. It’s your legal and moral obligation to shield your clients to the best of your abilities. Thus, you’ll enable them to rest easy and have an undoubted faith in your business. With an adequate insurance policy, you can always protect your clients from any accident that might hurt them. It’ll also shield them from going back into their pockets to cater for damages caused or any accident that happens.

4.   Accidents Are Inevitable

Each business owner employs qualified staffs who ensure that no harm comes to valued clients. However, a slight mishap might occur even after adhering to all the health and safety standard measures. You can risk jeopardizing your livelihood by being complacent about business risks. Instead, you ought to be vigilant and protect your business always. It’s a chance to ensure you’re always prepared to cover the expenses incurred by the insured party. It’ll also save you in court should the insured party decline the insurance offer of payment. In any business line, you can’t afford to take the back seat with any risks, including data breach, lighting fixtures that could malfunction, or even an accident while working. It’s essential to have a working liability insurance coverage policy to always prepare for the worst.

There’s more to getting a liability insurance policy than meets the eye. If you find yourself at a crossroad, you need to click It’ll enable you to know what you’re about to sign up for as you enjoy the above benefits and much more.