The Best Way for Businesses to Address Employee Health Care Benefits

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Employee benefits are a key component to recruiting and retaining the best employees.Employee health benefits are usually treated as a necessary evil and while it may take a huge chunk out of your revenue, the benefits often attract better employees and help retain existing workers. Satisfied, healthy employees are more likely to help your business grow. Instead of eliminating employee benefits, businesses can provide health-care coverage on a budget with a few adjustments. With costs of medical plans escalating and new regulations looming due to health-care reform, businesses of all sizes are scrambling to manage the impact to their bottom lines, while still trying to provide attractive options.

What is the best way for employers to address their health benefits issues?

It is most important for employers to think about health care in terms of value, not cost. Value is the health outcomes achieved for the money spent. Cost includes not only the immediate, short-term costs of treatment but the long-term costs of ongoing care as well as the indirect cost of poor health. Every employer should work with an employee benefits consultant to offer the best possible employee benefits-particularly healthcare benefits.

Employers can also address employee healthcare benefits by sharing information about the benefits in a credible and personal way. They must provide employees a clear picture of what options their companies offer and the reasons why. These communications should include facts such as what percentage of costs the company and employees cover, how costs are growing and affecting the company’s finances, and which plans best support each individual’s situation.

Encouraging wellness is another successful way of addressing health benefit issues.Not only can a successful wellness program keep people away from the doctor and costs down, strong programs build camaraderie and show employees their employer cares. Some companies cover the costs of smoking cessation and weight loss programs, or reward participation in health and risk assessment screenings. To encourage healthy lifestyle choices, employers offer fitness programs and healthy menu choices in company cafeterias, sometimes at lower prices than the less healthy alternatives.

Choosing the partner to help provide excellent employee benefits services for your organization can be tricky. Partner with an expert who can support the company and employees globally through its consulting services. You need a firm that can tailor a benefits package that aligns with your budget amidst a compensation landscape where costs continue to rise.

Know more on : Tax compliance services, ERISA compliance, employee onboarding

If you want to age in a healthy way, they you need to eat right!

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Too much of anything isnt good for you either. Not all type of food is nourishing. The basic types of foods you should be eating are vegetables, protein, and fruits. Stay away from fruits with lots of sugar. Also, you may get high cholesterol from not picking to eat properly and will cause roughen arteries, which may lead into heart attacks. Not only is it imperative that you watch what you eat but also how much are you eating of it. Anything in excessive is bad for you.

Eating right is the first step to endure a healthy lifestyle. When you dont eat healthy you abstain from getting the appropriate nutrients. Eating properly allows you to gain energy and the strength your body needs. Remember youre what you eat. If you eat healthy you will feel healthy and if you eat unhealthy you will feel unhealthy. The key to eating right is to decide and believe that “You eat healthy”.

Keep in mind its imperative you maintain a sensible diet. Eat from the four food groups. Eat the quantity youre supposed to. Also, exercise about 3 to 5 times a week. This will also help you stay healthy and get fit.

You should always do yearly check up to see how your health is doing. If youre trying to lose weight make sure you consult a doctor and speak about a diet plan. Skipping meals is also not healthy. Youre only depriving your body from sufficient nutrients and you will only allow yourself to feel weak. Drink plenty of water. Keep your body hydrated at all times.

Self-motivation is the key to achieve anything in life. The ability to encourage yourself effectively will help you to reach your goals better than ever before! If your goal is to lose weight, eat right, get fit, etc. Start with a vision. How do you see yourself in the next six months? Give yourself a deadline, write down a plan on how you are going to reach that goal, have the right attitude and reward yourself. These are the basics keys to achieve any goal in life. I leave you with this- having a goal is not enough to succeed, taking action is the key.

Minneapolis Collision Repair, Auto Body Repair, Collision Group

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We are moving into winter here in Minnesota and over the next six months there will be thousands of car accidents. After a fender bender, it’s just as smart to steer yourself into the hands of the right auto body collision repair center as it is to check out a contractor’s credentials when you need Minneapolis collision repair.

With more than 35,000 auto body repair shops nationwide, choosing a shop can be confusing.

Steve Cox, vice president of the Council of Better Business Bureaus (CBBB), says, “Although an insurance company may make some recommendations, drivers ultimately are responsible for selecting an auto body repair shop. Choosing a trustworthy, quality-oriented shop is very important for ensuring the best possible results.”

The CBBB and the National Auto Body Council (NABC) have teamed up to help consumers better manage the collision repair experience, with tips on choosing a trustworthy shop, saving money on a replacement rental car and knowing how to settle any disputes.

Choose a Trustworthy Minneapolis Collision Repair Shop. Check out the shop’s qualifications by asking about advanced technician training from a national organization such as the Inter-Industry Conference on Auto Collision Repair (I-CAR) or National Institute for Automotive Service Excellence (ASE) certification.

Look for Commitment to Customer Satisfaction. Ask whether the shop is a member of the Better Business Bureau and verify information on the BBB Web site at www.bbb.org to see if the shop maintains a good reputation.

Arrange a Replacement Rental Car. Since the average car is in the repair shop for two weeks, ask if the shop can make recommendations for a rental car company and if it can arrange for a replacement rental car to be ready when you drop off your car. If your auto insurance policy includes replacement rental car coverage, which is usually only a couple dollars a month, you may get a rental car for little or no money.

Get Everything in Writing Up Front. Get a written repair and price estimate of the work to be performed, as well as an explanation of why specific recommendations are necessary to correct the collision damage, before the job begins. Also, ask about a warranty. Professional, reputable repair shops will stand behind their repair work by offering a warranty.

Zoology Science Fair Projects

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Among the topics of interest for students who wish to create zoology science fair projects those that involve ants are the ones most students will choose. A zoology science fair project will demonstrate the knowledge that students have learned regarding some particular type of animal. Ants hold a great fascination for children and adults alike. These amazing little creatures are communal and depend on each other for survival. Very seldom do we see a single ant. This type of living system makes ants a favorite topic for zoology science fair projects. Students can choose any number of subjects related to ants or any other animal to study for their zoology science fair projects.

One of the most interesting subjects that students study using ant populations is in the area of food choice. While most people are familiar with ants as uninvited guests at picnics, most people know very little about these tiny creatures. A zoology science fair project will use different foods to see which flavors, if any, the ants prefer. Students will conduct experiments and collect the data from these experiments in order to make a presentation for the zoology science fair projects. This data will then be used to compare different types of foods. It could then be used in supplemental studies to compare the flavor choices of different types of ants. These little creatures are more than willing to participate in these types of experiments because all that is required of them is that they eat!

Zoology science fair projects can also be performed on microorganisms such as bacteria. The zoology science fair projects can also be based on the osmosis and diffusion that is present in living cells. These types of zoology science fair projects are particularly suited to computer-generated presentations. Since these organisms and processes are too small for the human eye to see, students often have a difficult time grasping the concepts. Zoology science fair projects are a great way to demonstrate these types of scientific phenomenon. The presentations bring to life all the tiny components involved in the life experiences of living creatures. These and many other topics, such as the study of environmental changes for marine life, the effects of chemicals on animals, and how different conditions affect growth rates, can be explored with zoology science fair projects.

Gift your Ears Fashion Jewelry – Clip Earrings

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Earrings have been an essential part of the jewelleries. Women have treasured and used earrings as an important part of their embellishments. It’s been a tradition to pass time-honoured jewelleries from one generation to the other. Sometimes people want to wear such earrings but at the same time have a needle phobia and thus can’t get their ears pierced. This makes you sad and you have to compromise and bury your interest as bearing pain seems to be a long fortune spent for wearing earrings. However, you are not needed to kill your likes anymore by the help of clip on earrings.

Plastic surgeons all over the world suggest that now a day, ear lobe surgery is among the fastest growing cosmetic surgeries in the world. Every day they are facing so many patients who have the problem of ear lobe surgery and majority of these are caused by wearing heavy pierced earrings. These earrings cause the hole to stretch and sooner or later tear due to the heavy weight. The heavier and lager is the earring, there are more chances of tearing and more damage caused. Fast and stimulus movement such as turning head quickly can double the chance. Hence we conclude that one should opt for clip earring and be saved from these dreadful experiences.

Doctors all over the world suggest that choosing clip earrings which are non-pinching minimises the level of stress on the ear holes. They keep the lobes looking good and feel healthy. These days you are not even needed to compromise and throw away your favourite pair of pierced earring. With the help of convertors available in the market, it has become so very easy to change your much-loved pair of pierced earring into a clip earring. You simply have to buy one and pluck the back. Try it on an inexpensive set first, later move on to your darling pairs.

Posted by Cherry, you can find more articles about earrings, bracelets, necklaces, rings and CZ jewelry on her blog: fashion jewelry.

Current Science Article Stem Cell Research in the Spotlight Once Again

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Recent discoveries about the role of stem cells in cancer have altered the landscape of cancer research, says Medical News Today. There is, however, a long-running philosophical rift over stem cell research at both the state and federal levels. Some groups would rather focus on adult stem cell research, avoiding the moral and ethical questions about research involving embryos. While ethical debate on human embryonic stem cells will continue, much more is occurring on the rings surrounding this bull’s-eye issue, including research in both drug development and adult stem cells.

Biologists’ understanding of new sources and uses of adult and nonembryonic stem cells is advancing rapidly. Called “niches” or “crypts,” it seems that almost anyplace one looks in the body (nose, eye, hair follicle, intestine, bone marrow, central nervous system), stem cells are being found. From such basic knowledge, it has been reported that successful animal and human therapy using patient stem cells is already occurring. As more stem cell crypts are discovered, the desire to understand how to manipulate them within the body only becomes more acute.

At the 2007 Annual Meeting of the American Association for Cancer Research, researchers presented new discoveries about stem cells in leukemia, breast and colon cancer that add to the growing evidence that perhaps cancer is, fundamentally, a stem cell problem.

Interviewed by Vision Magazine at the Stem Cells World Congress earlier this year in La Jolla, California, veterinarian and CEO of Vet-Stem, Robert Harmon, explained how his company is currently providing stem cell therapies for animals. Injected into an injury or degenerated tissue, the stem cell treatment evokes healing in unprecedented ways. As it has been since its discovery almost 400 years ago, the cell and the “vital force” that makes it the seat of biological life continues to hold attention. It is likely that there will be no end to the moral and ethical questions and investigations. Today’s new age of molecular understanding, genomics, proteomics, gene splicing and bioengineering is barely underway. It is not surprising, then, that the more we know, the more we recognize how little we understand.

The timeline of discovery has been exponential: from discovery of the DNA double helix in 1953, and the understanding of the genetic code, gene splicing and cell differentiation in the 60s, 70s and 80s, science rapidly jumped up the learning curve to the cloning of whole organisms and the discovery of embryonic stem cells less than a decade ago. The future possibilities for the application of this knowledge seem enormous.

Read the full article about Stem Cell Research and interviews with speakers at the Stem Cells World Conference at Vision.org.

Auto Attendant Phone System – Benefits For Businesses

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Modern auto attendant phone systems offer a range of benefits for small and medium businesses and help them to manage their business communication efficiently. The system features both cost-effective and user-friendly call management options to enhance business communication.

Improves Customer Service

One of the the primary concerns of any business office is efficient interaction with customers. The PBX phone system achieves this with the help of the auto attendant feature. The auto attendant system can be configured easily through a PC. It features pre-programmed greeting messages to welcome callers professionally. The interactive voice messages that are part of the auto attendant feature provide callers with the necessary directions to connect to the right extensions. If the desired extensions are busy, the auto attendant directs calls to voicemail boxes, groups, conference rooms or call queues without delay.

Most VoIP systems offer toll free numbers and local phone numbers to serve callers from various regions. The automated attendant can be configured to present menus and greeting messages and menus according to the source of the calls. This high degree of customization enabled the VoIP auto attendant system to route calls to different call representatives assigned for different area codes.

Manages Faxes and Multiple Calls

Callers do not face any delay in the processing of their call requests. After greeting callers, the auto attendant offers a list of menu options which include dial-by-name, dial-by-extension and zero-to-live operator that direct calls to the desired extensions.

The VoIP-based auto attendant can distinguish between faxes and calls. Faxes are automatically sent to the fax mail system, converted into digital files and forwarded to designated email accounts. Voice signals are routed to the right extensions. The find me follow me call forwarding feature forwards calls to other phones, including landlines and cell phone numbers to ensure that no calls are missed. If all the lines are busy, calls are routed to the voice mail system where callers can leave voice messages.

Easy to Install

There is no need to install expensive PBX hardware for getting started with this phone system. The existing phone line and a broadband connection (DSL, Cable, or FIOS) is all that is necessary. With all its advancements, the auto attendant phone system is a valuable addition and asset that helps businesses greatly improve overall productivity.

Heart Healthy Diet Nuts

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Making nuts the part of daily diet is healthy for heart. Nuts have dull fats plus other vitamins. These are generally not pricey, easy to store plus superior because goodies. People enduring heart connected conditions should replace their less healthy goodies with nuts. This usually enable those to move their meals found on the route of heart healthy diet.

Studies have revealed which people, whom consume nuts because a part of their daily diet, claim which nuts helps with lowering down the low-density lipoprotein (LDL) also termed bad cholesterol in the blood. High LDL is the simple cause of cardiovascular problems./p>

The Food plus Drug Management allows the foodstuff companies to suggest which eating nuts usually minimize the chance of coronary heart conditions. Other connected advantages of eating nuts are

It reduces the chance of developing the clots of blood. These blood clots could cause fetal heart attacks.
It increases the entire health of arteries especially of its linings. Why of the belief of scientists is the dull fat content of nuts. Both polyunsaturated fats plus monounsaturated fats assists in lowering down the amount of bad cholesterol. Some types of nuts are high in Omega-3 greasy acids. Other heart healthy vitamins of nuts include

Fiber
Vitamin E
Arginine Arginine assists by improving the production of nitric oxide. This nitric oxide increases the of walls of arteries. It also makes them less likely to blood clots plus makes it more flexible.

Most of the nuts are healthy. But there are several that are healthier than others. These includes

Walnuts (because it contains the highest amount of omega 3 greasy acids)
Macadamia nuts
Almonds
Pecans
Hazelnuts Remember to not dip these nuts in salt, sugar or chocolate. This dipping usually rob the healthy heart advantages of these nuts.

It is also advised to consume these nuts in moderation. Though they contain many of the healthy fats still they are high in calories. It is far better to eat nuts as an alternative of saturated fats. The current regulations of diet suggest a person must eat around 2 ounces of nuts every day.

It is also recommended which when generating the diet plan incorporating nuts, the amount of meat plus dairy ought to be reduce. Otherwise the nuts will just add up to the total calories plus a fat. It is important to consume nut in moderate amount plus follow the remaining heart healthy diet.
Heart Healthy

Announcing New Product – Whey Low Sugar Made Healthy

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Baking season is upon us-Now everyone can indulge and enjoy the sweet pleasures of the Holiday Season without the blood sugar spike , no sugar crashes, no weight gain. Yes, you can with Whey Low natural sugar made Healthy!

Dixon/CA/USA, September 19, 2011 — ALivingEarth.com is now offering WheyLow sugar made healthy that all, the Weight-watchers, the Health-conscious, even Type 1 & Type 2 Diabetics can indulge and enjoy. Whey Low sugar substitute has health benefits; making it part of the daily diet will help achieve & maintain a healthy & attractive body image.

-I’m happy to recommend another sweetener, called Whey Low, that taste, looks, bakes, even feels exactly like common table sugar. But instead of causing a spike in your blood sugar, it reduces your body’s glucose response. In fact, it’s 60-80% lower on the glycemic scale than regular sugar. Plus, 75% fewer calories!- Dr. Julian Whitaker, MD.

Whey Low is an all-natural blend of fructose (fruit sugar), sucrose (table sugar), lactose (milk sugar) – for those with a lactose concern, the minuscule a amount of milk sugar in this product will not interfere with the body’s ability to digest dairy products. These three natural sugars that comprise Whey Low work synergistically in the small intestine to interfere with the normal absorption of each other into the bloodstream.

Whey Low was developed by Dr. Lee Zehner after his wife, Sue, was diagnosed with Type 2 Diabetes. Sue Zehner loves baking and cooking; with Whey Low she can now ‘bake her cake and eat it too” and so can you.

For every one’s sweet pleasure Whey Low comes in: Whey Low Granular; Whey Low D – Sugar for Diabetics; Whey Low Gold – Brown Sugar; Whey Low Powder; Whey Low for Ice Cream; Whey Low Maple. For traveling connivence, Granular and Type D come in sticks.

Why Whey Low is the Most Sensational Sugar Substitute Ever:

It’s 100% Natural It Tastes Exactly like Sugar…Guaranteed! It has 75% fewer Calories than sugar It’s 70-80% lower Glycemic Index than sugar It has Only 1 Effective Carb per Serving It is Easy to Use! Whey Low is a One-for-One substitute for sugar in ALL food applications. Whey Low is perfect for baking. Cakes and cookies cannot tell the difference, and neither will you.

So whether a Low-Calorie, Smart-Carb, or Low-Carb Dieter, a Type 1 or Type 2 Diabetic, or simply Health-Conscious, Whey Low is the choice. So what’s taking you so long? Your taste buds are waiting.

ALivingEarth.com offers high quality, affordable healthy alternative products that also fits the -going green’ lifestyle. Diatomaceous Earth – natural mineral supplement and food grade insecticide, Whey Low sugar made health, Kangen Water- healthiest water on Earth, Organo Gold – coffee made healthy are available at

Jane Heinrichs 877-511-8910

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Tax Implications of the Affordable Health Care for America Act

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The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

The Roni Deutch Tax Center is one of the nation’s hottest income tax franchise. Income tax preparation is a recession resistant industry. Learn more about this new tax franchise opportunity today.