Marriage is an exciting and busy time. You’re certainly busy budgeting the wedding, but don’t forget about discussing the future money matters too. People often overlook the fact that money issues/problems are the root cause of many unhappy and failing marriages. This isn’t an effort to be pessimistic or rain on the wedding parade, but rather an effort to start you off right by building a solid foundation that marriage and financial partnership can thrive upon. Start by considering the items in this simple ten point checklist.

Marriage is an exciting and busy time. You’re certainly busy budgeting the wedding, but don’t forget about discussing the future money matters too. People often overlook the fact that money issues/problems are the root cause of many unhappy and failing marriages. This isn’t an effort to be pessimistic or rain on the wedding parade, but rather an effort to start you off right by building a solid foundation that marriage and financial partnership can thrive upon. Start by considering the items in this simple ten point checklist.

Increasingly, despite the economy, businesses are turning to temporary workers as a way of getting the job done. In fact, by 2020, more than 40% of the US workforce will be free-lancing. That’s nearly 60 million people and it’s pretty easy to see why. Not only is it easy to hire temps as needed, or as revenue allows, they are also typically exempt from benefits and payroll tax withholdings, costing an employer less than a full or part-time permanent worker.

According to the American Benefits Council, 401(k) plans are the most popular type of employer-sponsored retirement plan in the nation. In fact, 99 percent of employers who responded to the Verisight and McGladrey Compensation, Retirement and Benefits Trends Survey indicated they now sponsor a defined contribution plan. A WorldatWork survey even found that 88 percent of companies offering a 401(k) with a matching benefit continued to match employee contributions during the recent recession.

From a worker who is unqualified for the job to an employee who steals from the office, bad hires are potentially costly. How much so? According to the U.S. Department of Labor, the price tag on the average bad hiring decision is equivalent to 30 percent of the individual’s first-year earnings. Fortunately, careful pre-employment screening can go a long way towards ensuring only quality professionals join your team—but the process has to be compliant. Consider the following background check mistakes that can take a big bite out of your business bottom line.