How Employee Benefits Consulting Firm Selection Gets Bungled In Medium-Sized Companies

Most employee benefits consulting firm selection committees in medium-sized companies follow a common script:

1. Set up a small committee
2. Research Global Consulting Firms or Local Insurance Brokers
3. Create Employee Benefits Consulting RFP
4. Develop short list of firms to bid
5. Make a selection

To make their case, the global employee benefits consulting firms will often point to “Top HR Consulting Firms” rankings from organizations like Vault, their global scale, and an overwhelming number of archived knowledge resources available “in one click.”

On the other hand, local or regional insurance brokers may point to their proximity, their extensive insurance carrier relationships, their ability to “shop around” for the right group health insurance quotes, as well as their personalized service.

While these attributes are all well and good, they invariably end up over-charging and under-serving one important group of organization.

Medium-sized firms.

Small and mid-sized organizations with health plan subscribers between 100 and 5,000 in number often end up with a “needs mismatch” when compared to the expertise, services and approach taken by both the global consulting firms, and most insurance brokers. They are “stuck in the middle”.

Many mid-sized organizations default to searching for a good regional or local insurance broker to meet their employee benefits consulting needs. Little do they realize that most insurance brokers do not have the actuarial consulting expertise (in terms of knowledge and experience) to help them find the optimal set of employee benefits decisions for their situations.

For example, many mid-sized organizations continue to waste hundreds of thousands of dollars annually in fully-insured plans rather than developing customized self-insured plans that factor in their employee population health management trends and their strategic objectives. Insurance brokers often lack the will or the expertise to manage the complexity of employee benefits planning factors in such a way that the optimal benefit plan design is developed.

On the other hand, when mid-sized businesses decide finally realize that they have outgrown the needs of their insurance broker, the best organized of these will end up in the hands of a global consulting firm, almost by default.

Unfortunately, many of these large firms are not designed to handle the precise needs of smaller firms in a customized and personal manner without imposing extremely exorbitant costs. Additionally, some mid-sized companies who have fled from the global firms have identified a few problems with how services were delivered:

1. Top Consulting Firm, Junior Consultants Only

The world-class actuarial consultants and actuaries on staff are kept truly busy working on Fortune 500 and Fortune 1000 clients while everyone else gets the “junior consultants” without the same level of expertise and experience. Usually, no consultants with actuarial expertise are managing smaller company accounts.

2. Little To No Customization Of Strategies And Solutions

Another common (and perhaps, related) challenge is that mid-sized companies are often left with completely generic solutions that ended up wasting them significant sums. For instance, we have often found mid-sized multinational organizations whose self-insured plans were being incompetently managed with unnecessarily fragmented risk pools and poor benefits vendor oversight.

These are just a few of the issues that mid-sized businesses are often unwittingly facing when they do not develop a robust decision criteria for selecting their next employee benefits consulting firm.

Every mid-sized organization should develop an RFP process that acknowledges the unique needs of mid-sized businesses in the area of employee benefits, insurance plans, and healthcare cost control strategies.

They should also pay greater attention to searching for employee benefits consulting firms that have the consultants with actuarial expertise, fortune 500 level problem-solving and strategic know-how, who work in firms exclusive enough to give them the customized and personalized service and solutions they need to stay competitive.

Let Go Of the Phone and Ride Airwheel E3 Backpack E Bike

Due to overdependence on phones, we are ridded of chances to getting close to nature or actually communicating with others. Every day we can see a lot of phubbers on the bus, in the street or in the metro station. Actually, phubbing appears innocuous; however, it does disturb our life. So let’s stop phubbing for a while and ride an Airwheel E3 backpack e bike to have fun.
Have interest and click the website to consult:

Airwheel team adjusts the details, depth and radian of the body to make the riding most comfortable. Airwheel E3 foldable e bike is to alter this sub-healthy lifestyle, we might as well put down our phones and have fun with friends. We can even make a pact with our friends that we should never bury our heads in the phones while hanging out with each other. During the ride, we can have a nice chat and seek adventure, which will surely bring much more fun than talking on phone. After arriving destination, E3 can be folded. The folding size is 400*353*472mm, as small as a backpack. With 12.5kg item weight, Airwheel E3 electric folding bike can be stored in the office, car trunk and home easily.

Some may think that the electric bicycle in backpack, emerging as a new type of transporter, will not probably be accepted by the old. On the opposite, I once recommended my Airwheel E3 electric bike in backpack to my mom and gave her some guidance on how to ride it. Left-right design saddle with aluminum alloy foldable frame and PU foaming Unibody makes riding comfort increase by 40%, compared with the traditional saddles. To my surprise, she took up the vehicle very quickly and she loves it. Now, every time she goes out for groceries, she will ride her own scooter for sure.

Let’s embrace your life and show more understanding for the people around you. Stop being a phubber.

QuickBooks Enterprise Inventory Management: Inventory Tasks Made Easy in

Inventory management in a business can be a real pain for the professionals, if it is not handled properly. A pool of human resources are employed to take care of the entire elements in inventory mechanism, however there is always a possibility of inaccuracy in case of unavailability of a robust mechanism in place.
QuickBooks, a widely accepted business accounting software suite, is designed to give solutions to all uncertainties and concerns that may cause inaccuracy and slip-up in the data files. It comes up with so many useful tools and applications that can best be implemented on different fronts to keep up with the growing demands in your business. In additions, some add-ons are also in place that can best be used to make your bookkeeping a productive and more fruitful for your business.

Inventory management is one of the most practiced add-ons in QuickBooks Enterprise, which you can use to get the best out of your inventory and warehouse establishment. Here’re some important questions with respect to the storehouse that every business requires addressing in a real time:

How do you update inventory data?
Where is your warehouse located?
How do you work out over cost accounting in your inventory?
What type of inventory report you generate for a better business management?
So, these are some crucial concerns that every business looks forward to addressing with accuracy within the set deadline. And Inventory Management, one of the popular QuickBooks Enterprise add-ons, comes up with end-to-end solutions for all these concerns that really stand to be an important thing for your business. Though the implementation process may require you to go through some advanced techniques, you can contact Intuit QuickBooks Enterprise Support Professional to ensure an all-round solution effectively.
Here is key functionality that you can avail with advanced inventory management add-on in QuickBooks Enterprise:

Manage the products through their serial number
Transfer items and products within the inventories without any technical obstacles
Scan barcodes to enter data quickly
Track the item in a real time
Fetch inventory values within the inventory sites
Complex inventory tasks made easy by sorting out location, bin, lot, and serial number:
In order to make the business accounting and inventory management simple and convenient for the professionals, Inventory Management add-on comes in featured with so many useful features that you can use them to make your inventory accurate and error-free. But as it is a technical fact, common issues are always there to take place while implementing the add-on during the entire procedure. But you don’t need to get worried any longer, as you can access reliable Intuit QuickBooks Enterprise Online Tech Support to get a real time solution to every possible issue.

Here’re the important features:

Bin Location Tracker
It allows you to keep the track record of specific inventory items using the bin location within the warehouse. When you start filling up the information, it will automatically display the serial number and other useful details in each bin. You can here sort out the items using serial numbers.
Barcode scanning
It is basically used to ensure efficiency and accuracy in data entry while updating inventory items. Once you scan the barcode, the accounting software updates the entire details in the tight field.
Track serial numbers or lot numbers
You can also track the items using serial number and lot numbers with the help of assemblies and subassemblies, in stock on shelves.
Track inventory in multiple locations
It appears to be more challenging when you have to track items in multiple inventory locations. But with the QuickBooks Enterprise Inventory Management, it becomes quite easy and convenient.
Take the inventory items from one location to other
With the help of advanced inventory management add-on in QuickBooks Enterprise software suite, you can easily transfer your inventory items from one place to another within one or two warehouses.
Keep track record of your inventory data
The advanced Inventory add-on has been designed using high-end features. It is used within the QuickBooks Enterprise infrastructure so as to ensure you have a complete control over the items in your warehouse. It helps you track your products using QuickBooks invoices, sales orders and purchase orders.
So these are some important features that can help you find the best solution for inventory management in your business. Now leave your all concerns and get ready to take on all your concerns related to inventory items and ensure a flawless execution.

How To Start Your Own Free Money Making Websites

So, you’re hunting for free money making websites. This article takes a look at the two aspects involved in this search: the free websites and the money making websites. . .and how to combine the two.
There are many options that you can choose from if you are looking for free website platforms., and are three of the most popular choices for building your own website step by step. If you are just starting out, these could be good options to learn on with a free account. Obviously the free account will limit the features that are available to you but you can also upgrade at any time. These sites all have tutorials to help you get started if you’re brand new to building websites.

Another option is to create a free blog. Typically, blogs differ from websites because they offer opinions or suggestions and because they are more dynamic. Blogs should be updated frequently and consistently with your articles (posts). A website is more static. The information that you put on the pages of your website will not change too often or too much., and are some of the most common.

It really makes no difference whether you choose actual websites or blogs to be your free money making websites. Either way, the money-making aspect to apply will be the same. Here is how to monitize your site.

Regardless of whether or not you have your own product or service to sell, you can make money from your website/blog by adding Google AdSense ads. Most website and blog platforms offer this service automatically so all you have to do is sign up – it’s completely free. Once you’re approved, ads that are relevant to the content of your site will appear and when your visitors click on these ads, you will make money. It doesn’t get any easier than that!

Another way to monitize your site, even if you have nothing of your own to sell, is to offer affiliate products to your visitors. Sign up for an affiliate account with any of the affiliate programs (ClickBank and Commission Junction are the most popular) and choose the products that you want to promote. Obviously, these items need to jive with the theme of your website or blog. Put some information about this product in your website or blog along with your affiliate link and whenever someone ends up buying the product, you get a commission on that sale. Affiliate programs typically offer somewhere between 50 – 75 percent commission so you can do really well with this depending on how much traffic you get to your site and how relevant the products are to your theme.

As you learn more about earning money with blogs and websites, you can also start thinking of developing your own product(s) and service(s) that would serve your audience.

There aren’t too many ways that you can earn money without spending any. . .but free money making websites defy the norm!

Tips to sell online cheap and make high profit?

What are the tips or tricks to sell cheap online and make high profit.
You could find a way to make sales online but it is not easy to make high profit anymore.

So how do you start? Selling online is not difficult however it is a tiring job that needs a lot of work. You first need to have a website or sell on Marketplaces. Selling on your website will never be enough and needs high maintenance and updates all the time. Selling online needs a lot of search and study to find the right product to sell. So look for a cheap or a unique product that you can add a high margin to it. The more you are busy and you are making sales, the more you are in need for more people to manage your inventory, stock and processing your orders.

What are the expenses? The main cost to sell online is the website or marketplace, transaction fees for the marketplace and for the payment gateway. After you pay all the expenses and fees, then you can determine your profit; and if you did’t plan it properly, you will end up making a small profit.

How to increase your profit? To increase your profit, you simply need to look into: a. Find a niche product that you can sell with low competition. Use Google trends to find the niche product.

b. Compare the online Marketplaces and find the cheapest option to reduce your expenses and fees. By avoid paying admin and transaction fees you will automatically increase your profit. Go to and select the free package to start your online store. The free package has no admin or transaction fees at all. It is limited to 100 listed product but it is ok to start with and it is completely for free. c. Find a free management tool to manage your contacts, tasks, sales, invoices, etc. The tool will help you manage your business without additional employees. Again, we reduced the expenses.

Following those three tips, you should reduce your expenses and start increasing your profit easily.

I am sure there are more tips that can help increasing your profit but these are the most important ones. Please feel free to add your inputs and share this article.

Get Microsoft Office help to convert your previous Microsoft Office into newer one

In spite of the way that you are utilizing the adaptations of Microsoft office 2007 or 2010 in the present circumstances, there are high shots that many records were made by you in the substantially prior rendition like Microsoft office 2003 or even considerably prior. As you open these specific records like the word, exceed expectations or the power point from office 2007 or office 2010 there is opening of the similarity mode and one can discover this in the report window title bar. Contact at +1-800-961-1963 for investigating Outlook email issues, blunders and issues.
By the assistance of the similarity mode, you will make certain that the documents can be totally altered by the clients who are utilizing the more established adaptations of Microsoft office. Regardless you have the decision of working with the old yet vital records in the new forms of Microsoft office.

Different choices are given underneath for work the workplace 2003 documents:

No revisions: When you are altering the document that is really made in the program office 2003, you can work in the similarity mode and as a rule change the record without the modification of the arrangement of the record. This implies you need to continue working and furthermore sparing the records as you used to do already however by this procedure, the document won’t be changed to the new form in programmed way.

While altering the documents, there may happen some specialized issues. However, you can dependably access to outsider professionals to dispose of a wide range of specialized issues in a while. Contact solid professionals for a continuous Microsoft Office Customer Support Help arrangement.

Sparing as the most recent rendition:

You can spare any sort of office 2003 or a past document as 2007 or 2010 variant. One can discover the Save as choice under backstage view/document tab or the workplace catch. You have to indicate the distinctive area of the record or annihilate the more established variant of the document generally both the records will be at a similar area yet the document expansions will change. In the event that you feel the issue in understanding the procedure, you can take the Microsoft Office Support from the master outsider expert who is prepared to help you.

Moving to the most recent form:

In the event that you need to take the benefit of the most recent attributes in the present adaptation of Microsoft office, you can change the record to the bona fide office 2007/2010 document organize. The record must be supplanted by a doc arrange and the document must be moved up to the doc x organize. You can tap on the alternative Save concerning this. We give continuous specialized help on Outlook Calendar.