Signs That Indicate You Could Be Fired or Laid Off From Your Job

Pay attention to these signs.

May 4, 2014 at 10:43AM

Being fired or laid off without any warning can be a stressful problem. Half of Americans do not have enough money saved to pay more than three months of bills, so a loss of a job can be a devastating blow to a one's finances.

There may be a way to predict whether you are on the road to a possible layoff or firing — you just have to pay attention to the signs.

Reasons you may be fired and what you can do to prevent it from happening:
Regular tardiness — Arriving late to work regularly is never a good thing and constant tardiness will annoy your employer.

This is a no-brainer, but you should try your best to be on time, which means waking up earlier, preparing your work belongings the night before and preparing your lunch ahead of time.

Improper conduct — Work environments are more preferable when everyone feels comfortable around one another. Conducting yourself in a manner that disrupts the work environment can lead to an overall dislike for you in the office. Treat your colleagues with respect, and they should do the same.

Refer to your company policy when it comes to how to conduct yourself properly. Speak with a human resources representative about any concerns you may have. It's always best to handle arguments or disagreements in a professional manner.

You train someone for your position — Believe it or not, some companies make their employees train a new hire in an attempt to get rid of employees they will eventually fire. Training a new employee while the company is going through budget cuts may be a big sign that you are going to be let go.

Have a meeting with your boss and ask about your performance and your future within the company. Consider giving suggestions for how you can increase your value, and ways you can help improve the company. It's best to tackle this situation head on.

You regularly make mistakes — Constantly find yourself committing major errors that jeopardize the company? Regularly making big mistakes can greatly hinder your credibility.

Double check everything you do, or have a fellow employee take a quick glance at your work before you submit it. If you are unsure of something, be sure to ask first.

Meetings are held without you — Don't panic if you were never part of meetings before. It's probably a red flag if your presence is no longer needed at meetings you were previously a part of.

Spark up conversation with your colleagues and superiors regarding current or future projects. If you do feel like you can be of help, casually bring up your ideas. A superior may like your suggestions and invite you in on the next meeting so that everyone can hear your input.

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A Financial Plan on an Index Card

Keeping it simple.

Aug 7, 2015 at 11:26AM

Two years ago, University of Chicago professor Harold Pollack wrote his entire financial plan on an index card.

It blew up. People loved the idea. Financial advice is often intentionally complicated. Obscurity lets advisors charge higher fees. But the most important parts are painfully simple. Here's how Pollack put it:

The card came out of chat I had regarding what I view as the financial industry's basic dilemma: The best investment advice fits on an index card. A commenter asked for the actual index card. Although I was originally speaking in metaphor, I grabbed a pen and one of my daughter's note cards, scribbled this out in maybe three minutes, snapped a picture with my iPhone, and the rest was history.

More advisors and investors caught onto the idea and started writing their own financial plans on a single index card.

I love the exercise, because it makes you think about what's important and forces you to be succinct.

So, here's my index-card financial plan:


Everything else is details. 

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