What employee benefits can do for morale

As a business owner, employee morale is one of the most precious commodities you can deal with. The way your employees feel at work, about their jobs and about your business can have a considerable positive or negative effect, depending on those feelings. That’s why it pays to consider what employee benefits you can integrate into your business, and just what a positive impact they can have.

What are employee benefits?

Employee benefits take many different forms and can range from dedicated reward programs to simply allowing your staff more time off. Every business has something to offer when it comes to providing employees with a happier working environment. Whether you choose to approach it more from a case of tailoring your working environment to improve morale or allowing your employees more freedom in the way they approach their work, you can quickly begin to see the benefits. Take some inspiration on key ways to increase employee morale and determine for yourself what’s right for your business.

What positive impact can you expect?

Happier employees provide a host of benefits across the board. The first improvement is in employee retention; it can cost a lot of time and effort to keep training new employees, and it does your business reputation no good when it comes to finding new hires. Keeping your staff for longer allows you to build on your investment in them.

Another key improvement is in the quality of work. Happy and engaged employees automatically dedicate more effort and thought processes to their tasks. This can improve efficiency, widen the flow of ideas, and ensure that collaboration between employees is even more productive than before.

Something else to consider is that happier employees are prone to taking less time off. The more uplifted an individual feels about their job, the less chance there is of them taking any opportunity possible to avoid doing it. Similarly, the negative health effects of stress and frustration will also not become such an issue.

What tools can you use to help?

One of the best tools available to any employer is a dedicated employee benefits software suite like Zest. In the suite, you will have a fully integrated way of delivering your chosen benefits package, as well as tracking data such as employee engagement and ongoing costs. This allows you to tailor your benefits packages going forward to ensure they’re providing your business and your employees the maximum amount of benefit.

A business that invests in its employees stands to make considerable returns on that investment. Happier employees do better work and that, in turn, develops into lifelong loyalty. It’s an investment all business owners should consider making.

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A Comprehensive Guide To Multi-Currency Accounts

Most countries have their own currency, which can get quite complicated if you’re trying to send money overseas and need to convert currencies. However, with the advent of modern technology, the process has become more straightforward over the years. People are able to connect with loved ones on the other side of the world and even purchase goods and services from overseas companies. 

A multi-currency business account account offers a solution to overcome this problem – it allows you to send and receive money more efficiently. This is a testament to how a worldwide currency account gives you more freedom and removes limitations, whether you are utilizing it for business or personal reasons.

What Is A Multi-Currency Account? 

It is a form of bank account that enables you to send, receive, and keep track of multiple currencies. A multi-currency account allows you to utilize a single account number for each currency type, rather than opening multiple bank accounts with distinct account numbers to keep track of.

How Does A Multi-Currency Account Work? 

A multi-currency account functions similarly to a regular bank account. Although the services available will vary based on where you open your account, you may anticipate being able to perform the following tasks:

  • Money withdrawal
  • Sending and receiving payments
  • Access to your funds for checks or electronic transfers
  • Increasing the value of your account by earning interest

You may be charged fees on your global currency account in the same way that you would on a regular bank account. Withdrawal costs, open fees, transfer fees, and other fees may be charged. The amount and frequency of these fees will vary, but if you ask the representative before creating your account, you can find out.

Why Does One Need A Multi-Currency Account? 

Here are some of the reasons why you may need a multi-currency account for your business or for your personal use:

  • If you want to send and receive foreign payments
  • If you want to sell your products and services online to people all over the world
  • If you want to employ freelancers or employees from different countries
  • If you want to send money to friends or relatives who live in different countries
  • If you are working in a consultancy with foreign clients

It is very convenient to have a multi-currency business account. If you run a business, having a single account for all of your clients will save you time and assist you in avoiding misconceptions. You can also prevent currency exchange rate fluctuations. Even if you are only using the account for yourself, saving money on conversion and exchange fees can help you save a lot of money.

To Conclude

Collaborating with innovative businesses has convinced us that paying various partners in multiple currencies is a requirement for any digital firm. With OpenPayd, we help you recognize that a multi-currency banking account can be a game-changer in terms of simplifying your business’s financial transactions. Reach out to us to find out more.

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How to use Prevail to boost your crop production

Crop production is an integral part of the way our society works, and this is for a range of reasons. However, there are ways of increasing your crop production and ensuring that your farm produces as much as possible with the land you have in place. Find out more about Pre-Vail and the science behind boosting crop production in your working fields.

Why is boosting crop production important?

Boosting crop production is an important role for any farms. Parts of the farming industry, particularly pertaining to crops, suffer from prices falling year on year as supermarkets compete for customers as often as possible. Boosting crop production is an essential part of generating as much revenue as feasibly possible, however, this comes from a focus on increasing productivity. Without supportive substances and goods, increasing productivity is incredibly difficult.

What Pre-Vail is and why it helps

Pre-Vail focuses on boosting the crop production of a specific crop, focusing on alfalfa and other related clovers. This means that higher yields are possible and the productivity of these crops significantly increases. There is a wealth of science behind the process, ensuring that you can trust the process to work as expected. Pre-Vail features high levels of rhizobium, a key focus of which is ensuring that the nitrogen fixation levels of the crop increase. This works closely in tandem with azospirillum bacteria, an organic biological plant growth promoter, ensuring that the crop yield is as high as possible.

How you use Pre-Vail on your crops

Pre-Vail is a flexible product, seeing use through a combination of both the build-up process and seeing use as a pre-inoculant in seed coating. You slowly screen seed to shake off any excess material, re-inoculate with Pre-Vail and then apply the right amount of Pre-Vail to the seed. Blending 8 grams of product for every kilogram of seed ensures the best possible performance. This balances nitrogen and oxygen saturation in the seed, ensuring that your yield is as high as feasibly possible. Furthermore, you can use Pre-Vail with the vast majority of fungicide seed treatments when applying Pre-Vail dry. A single pallet of Pre-Vail treats approximately 100 tonnes of seed, so you can ensure significantly yields from your investment.

Try Pre-Vail today

If you seek a solution for crop production issues on your property, try Pre-Vail today. Pre-Vail has a range of benefits for a range of crops, ensuring a higher level of profitability on your crop yields for the long term. From small properties to large agricultural companies, making full use of Pre-Vail is a key part of maximising seed yields and giving your organisation the best possible chance at harvest time.

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The benefits of an ISA account

An ISA or individual savings account is a UK government regulated way to save money. Money put into an ISA will not be taxed on any growth it receives whilst inside the account and can even be withdrawn without penalty (although this does require prior notice).

The purpose of an ISA is primarily for long term investments, although many banks do offer more accessible access models which allow for regular income/withdrawals. However, both types of accounts are designed primarily for saving.

Tax-efficient investing has always been popular in the UK; one major reason why capital gains tax has existed since 1965. Initially, this tax was set at 40%, but the current 20% rate was first applied in 2001. It is, however, worth noting that this rate also applies to dividend income, which has been taxed at the same rate since 1979.

George Osborne changed the ISA allowance after he came into power in 2010. The new system allows for either £15,000 or £20,000 per year depending on which you earn more (this refers to gross income rather than taxable income). This change was implemented to make the ISA system fairer as people earning less would have previously had a larger allowance relative to those who earned more.

Benefits of an ISA account in the UK

One option for savers who want long-term protection from inflation and quick access to their savings if they ever need them is an ISA account.

With interest rates dropping across the board following Brexit, saving as much money as possible has never been more important. By using a cash ISA, savers can reduce the tax they pay on their hard-earned income – bringing even more money back into their pockets each year.

Not only does a cash ISA allow you to stash away cash in a low-risk investment, but particular types of ISA let you save for things like your first house or retirement. By taking advantage of these savings options, savers can expand their wealth and enjoy the rewards when they come to collect.

ISAs provide easy access to people’s money should they ever need it – making them an ideal part of any financial plan. They also give people the chance to invest in higher interest-paying accounts than current standard accounts, allowing them to expand their savings even further. However, it is essential to remember that if money is withdrawn before the end of the tax year, this could trigger extra taxes, which could outweigh any potential benefit of an ISA.

It should be noted that there are some other caveats surrounding tax allowances and what they refer to. For example, married couples can pool their allowances together if one has no income, but if they are to be split, this requires prior notice. The only other major exception is Child Trust Funds (CFT’s), where yearly contributions cannot exceed £4000 per child until 18.

At present, however, ISA accounts continue to be one of the best ways for an individual to manage their money responsibly and tax efficiently. It should also be noted that any dividends you receive whilst holding your investment in an ISA do not count towards your annual allowance; they are covered separately under EIS/SEIS.

By taking advantage of an ISA account, not only can people save for their futures without worrying about losing money to taxes, but they can also save themselves valuable time filling out complicated forms, which would take up valuable free time.


An ISA account might seem like just another form to fill in, but it could potentially save thousands of pounds throughout a person’s lifetime. It is worth taking a look at what you can save by opening one up today, especially as it only takes a few minutes to open an online account with many high-street banks. New investors are advised to use a reputable online broker from Saxo Bank; for more information, follow this link.

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