Categories
Blog

Blue Cross Blue Shield Small Business Plans

Blue Cross Blue Shield is a reputable health insurance company used by people across the U.S. Blue Cross Blue Shield Small Business plans helps small businesses with access to all forms of health care they may require. And they help with the provision of health care to businesses of any size, including small businesses.

For example, an employer has more than two employees but less than 50, managing them all and stressing about their health care will be unnecessary with the presence of Blue Cross Blue Shield Small Business plans available.

Services Available

  • Taking of patients with ambulance emergency services
  • Admission in hospitals
  • Newborn and care for pregnant women
  • Treatments for substance use and treatment to make better the behavior of individuals
  • Drugs prescribed by health care professionals
  • Laboratory check-up
  • Management of chronic diseases and so much more

Available Blue Cross Blue Shield Small Business Plans

The United Healthcare Choice

This is a medical plan that grants you open access to doctors, health care professionals, and health care facilities. This health plan is open to firms of over two employees to as much as 5,000. This plan has features like co-insurance options, co-payments in dollars, and low out of pocket payments when you go to clinics and hospitals for medical transactions.

United Healthcare Choice Plus

This gives the beneficiaries almost the same benefits as the United Healthcare Choice, but in this case, you also have more help from out of network doctors. With this increase in coverage, it leads to an increase in the amount of insurance also with a higher amount than would be deducted.

The Humana Simplicity Plan

This gives beneficiaries health care service. With this plan, the employees decide the percentage of their salaries they would use for their insurance, which would also decide the amount of insurance they would be getting. 

The Level Funded Premium Plan

This plan is for firms with at least 10 employees. It entails medical and pharmacy plans to coincide with programs created for sick employees to get well. Tax premium savings are good with this plan, and refunds are okay for claims which state the insurance plans are more than enough.

The Self-Funded Plan

This lets the owners of firms be able to assume the amount of treatment their employees may need while they work there. And with these assumptions, these premiums could be covered by paying once in a month. This plan grants premium payments that are low for the employees of the firm. 

Categories
Blog

Fraud Prevention Software Every Business Owner Should Have

You have a business but you do not know how to manage it and prevent several cases of fraud that could come and take away from your hard-earned resources. How secure is your business from various types of fraudulent cyber crime and identity theft? 

These days for you to be able to detect fraud and to prevent it, you have to be fast about it. The period you have to stop a transaction that has the potential to be fraudulent is about a second. With the use of automated fraud prevention and detection systems, they can aid you in preventing fraud with the use of analytics to notice patterns that are not consistent and usual. With analytics, money laundering, loan fraud, and fraud with the use of credit cards can easily be caught. But because as the day goes by, billions of transactions take place, thus taking an incredibly fast fraud detection software to be able to catch those who are up to fraud.

Without the best fraud prevention software, when the window for the fraud to be detected passes, businesses and financial institutions lose a lot of money and their resources.

With the use of software like AG, you can be sure that you have a high chance of preventing fraud in your business. This software has fraud detection and prevention abilities created with the fastest complex event processing. This software can prevent fraud through the 1-second window your business or financial institution has to detect and prevent fraud. And with this, your millions and your resources are saved.

How AG Fraud Prevention Software Prevents and Detects Fraud

Apart from the very fast complex event processing engine, AG also relies on the storage available in the memory of the devices in the business or the financial institution. This is present to analyze and process online transactions faster and quicker. This also allows one to be able to arrange the attitudes of the customers as they act to reduce the time taken to detect and to destroy possible losses that could come from fraudulent activities.

AG’s fraud detection and prevention package includes the following:

  • A browser interface that is easy to use.
  • A lot of different adapters, which makes connecting to the internet way faster.
  • A lot of predefined situations that are useful to new customers.
  • The compatible framework that lets users update and make new situations to help detect and prevent fraud.

Importance of AG Fraud Prevention Software

With AG fraud detection and prevention software, one can easily detect fraud quickly and prevent the loss of revenue. Notice how transactions take place no matter their number in real-time.

Check out different patterns and know the usual ones and those that are unusual to check for activities that seem fraudulent. This is done by mixing the data obtained from real-time and the analysis from the entire period in which the customer has been active in the business of the financial institution.

Categories
Blog

How a Small Business Joint Venture Can Help Your Company

You would want to combine your company with the aid of a small business joint venture but not fully understanding what a small business joint venture is all about. Well, a joint venture refers to a means in which more than two people settle down to agree on how they would combine their services, the number of goods they produce, and the amount of capital they all use to create a basic enterprise that would now be commercially used.

With the use of small business joint ventures, your company has more chances to get more opportunities, and with more opportunities, you’ll get more profits.

Advantages of Small Business Joint Venture to Your Company

If you team up with a small business joint venture, you have the following advantages:

  1. Your marketing reach can be extended.
  2. You can access information, skill sets, and all the resources your company needs.
  3. With a small business joint venture, you seem and feel more credible when interacting with a particular market.
  4. With a small business joint venture, you would be able to gain access to more markets than your company was ever able to without the use of the joint venture.
  5. With the joint venture, you would be able to gain use of know-how and technical expertise that your company previously was lacking.
  6. Apart from the technical know-how, your company will also gain access to more mental knowledge on how to manage the firm better than it was before.
  7. With the small business joint venture, risks can be shared and expenses too with the extra help.

Take this example, imagine you and other cake bakers come together to form a small business joint venture. And then you went ahead to create a cake baking competition. 

With you all joining your resources, you can do a lot much more with promoting and advertising your cake baking competition than how it would have been or felt if you went alone. And with this, a lot more people would be excited to attend your cake baking competition than if you stressed and wanted to do it alone.

Joint Ventures and Its Examples

One of the greatest examples of small business joint ventures is related to agriculture. This is because the cost of equipment, land ,and other necessary supplies have their prices increasing daily. With this, smaller farms are pressured into having to increase their means of production, they need joint ventures for them to be able to seize the opportunity of mass production and economies of scale.

A technological company too might also team up with other small businesses that are technological for them all to share the cost of research and to enjoy the profits together.

So, it is great for companies to team up with small business joint ventures. 

Categories
Blog

Concentration Testing: Are You Distracted at Work? How to Improve Your Focus

We all have had problems concentrating at work, school, or in other parts of our lives that need us to stay focused. But some steps can be taken for you to be able to concentrate properly.

With the presence of so many different types of jobs, concentration testing if you’re a writer, a software engineer, an analyst, an entrepreneur, or whatever job you’re into is a good way to make sure you’re staying focused. Why look into concentration testing (apps or games that test your ability to pay attention for a certain amount of time)? You need to stay focused on what you are doing to have the best results.

With these steps, you will find ways in which your focus can be improved while working.

6 Ways to Improve Your Concentration Testing Abilities

Make use of the workday structure.

You’ve already made it to the point where you already have a job, so you’ve started the journey already.

For your focus and attention to improve for the best concentration testing, it would be good for you to break all the things you need to do in a day into smaller tasks that you can manage better. Task organizers such as a day planner or an online version like Asana can help keep your priorities organized and help you collaborate with co-workers on various projects.

Be sure to add short breaks throughout the day to get up and stretch or walk around, and don’t stare at the computer screen longer than 20 minutes at a time. Giving your eyes a quick rest will help keep you on task throughout the day.

Make a list of things that you wouldn’t do.

These days in this modern world, the distractions we encounter on a daily basis can be overwhelming. According to research, the period for one to be able to get their focus back after losing it is about 25 minutes. In other, for you to be more focused is for you to have a list of things that you would not engage in for you to feel less stressed and for you to be more focused at work.

Do not read books in a hurry.

From research, individuals who read online content with haste has increased by 40%, while a lot of people have not read a proper book for years now. This is because a lot of us are always in search of quick answers. (Our attention pans have shrunk.) But this tends to add to how stressed we are and how studying short content adds to how distracted people get while working. It would be best for you to look for a reasonable book with vital information and read it slowly until the end.

Being mindful about your day aids in increasing being focused at work.

Settling down to have a moment with yourself is very important with becoming more focused at work. This involves practicing meditation daily. You could even visibly notice how the rate at which you focus increases by the day.

Physical exercise helps to increase your focus in every way.

Physical exercise is not just meant to build your muscles and to help your body. According to research, with the use of physical exercise, it helps your brain to be able to ignore things that try to distract it. From research also, concentration testing has noticed that workers who practice physical exercise seem more focused at work than those who are not used to practising physical exercise.

Get the right nutrients.

In addition, try natural supplements aimed at helping support your natural ability to concentrate at work by brands such as Progressive Labs. Also be sure to eat nutritious fruits and vegetables that will help you stay focused, such as bananas, berries, and dark leafy greens. Lean protein will also help give you the energy you need to get through the day.

Categories
Blog

Ambassador Leadership Skills You Can Use

An ambassador is someone who represents another person, group, or entity in a foreign place. An ambassador is one who will and can defend the party he or she is representing anywhere and at any given time – even at the risk of his or her discomfort. 

Typically, someone who has a questionable character would not be chosen as an ambassador. To understand this concept better, just ask yourself: who would you pick to represent you in front of a crowd when you are absent – a good and respectable person, or a drunken degenerate?

An ambassador is also one who can represent the core interests of a given entity in a foreign place where such interest could have been easily overlooked. So, with this role in mind, you should understand why finding a suitable ambassador can be difficult. 

Hence it makes sense that there is a lot we can learn from ambassador leadership. But for this article, we will only consider a few attributes of proper ambassador leadership skills.

Top Ambassador Leadership Skills                     

Display a Suitable Online Presence and a Positive Public Opinion

As an aspiring leader, you should be able to impact as many people as possible. Since you are representing someone or something else, it would be best to be able to make the public share your views on the party you are representing. This is where a suitable online presence comes into play. With the use of all the right social channels and proper content, you should be able to create a positive public opinion on the party that you are representing.

Have Enthusiasm for Growth and Development

Ambassadors strive to lead to the growth of the parties they represent, regardless of where they are posted or serving as ambassadors. They try to do this by strengthening relationships in whatever way possible. If you can share the same enthusiasm to lead to growth and development regardless of where you are, then you have taken a giant leap in the right direction. Always strive to be better, to achieve more.

Strive to be Highly Professional

Most times, how you behave is how people would address you, so you should learn to carry yourself with charisma. An ambassador does this because of the knowledge that he or she is representing more than just themselves. So be professional in all your dealings. But this does not mean that one should be unreasonably arrogant.

Be Willing to Lead

Ambassadors are natural leaders. They know that the job description might be relatively demanding, but they are willing to be a leading force. You should be willing to lead and prove it with your actions, not just with words (if you want to be a leader).

Ambassador leadership involves more than looking or acting good. There is a lot to be learned and various ambassador leadership skills to aspire to in your career. Good luck!

Categories
Blog

What Managers Should Know About Leadership for a Democratic Society

There are various forms of leaders and leadership plans. The region or surrounding political environment a leader finds himself or herself in will determine what leadership tactics to utilize. Since this article is about the things managers should know about being effective leaders in a democratic society, we will limit our discussion to some key factors. However, before we continue, we will have to define a few key terms.

Key Terms

Democracy: This is a system of government where the people have the bulk of the rights. The people or citizens get to choose their leaders and those who will represent them in positions of power. It is basically a government-run by eligible and elected representatives. Countries that practice democracy is referred to as democratic nations. Such nations usually have a constitution and practice the rule of law.

Leadership: Leadership is simply the ability to influence the decisions of a group of people. In such a group, one person or a few are elected or chosen to lead the rest. The rest of the people are referred to as followers. The job of the leaders is to make all the difficult choices on behalf of the followers. The leaders ensure that the decisions they make are in the best interest of the followers. The leaders are the ones who will steer such a group toward achieving a particular goal, while the rest (the followers) will simply follow orders. In most cases, the followers trust the leader as an upright person. This is why they put their fates in his or her hands without the worry of betrayal or disaster befalling them.

Manager: A manager is a leader in his or her own right. The job of managers is to monitor and direct the activities of a chosen group of people. The manager makes sure that everyone he or she is overseeing is doing his or her part in achieving the collective goal of the group.

Leadership for a Democratic Society: What It Means

This type of leadership is usually the hallmark of good leaders. In a democratic society, citizens come first. There are a lot of things managers can learn about leadership by observing a democratic society. 

In leadership for a democratic society, the people come first: As a good manager, you should learn to put your employees’ (or followers’) interests first when considering the general picture. If a company has a given goal, the manager should make plans that would allow those he or she is leading to comfortably and efficiently work toward achieving the general goal. The manager should not just do what is comfortable for himself or herself.

In leadership for a democratic society, roles are delegated: A good manager should learn to trust those under him or her and delegate when appropriate. The manager can not do everything on his or her own. 

In a democratic society, leaders take advice and council: A good manager should be able to know when to take advice that would be useful and when not to, but he or she should take every council under advisement before dismissing it. 

Now that you know the importance of good leadership for a democratic society, we encourage you to take those skills into your workplace as well.

Categories
Blog

Tips on How to File Your Taxes for Small Businesses

The way you file and record your taxes could play a role in just how much profit you can make. There are a few tips about how one can file taxes for small businesses while still making a profit. If your recording and filing system is not very accurate and organized, you might just end up paying much more in taxes than you need to pay. The slightest mistake can be quite expensive. This is especially so for small businesses where every single dollar counts.

Do not think that no one can make such mistakes. In an article in Forbes by Garrett Gunderson, he made an astonishing discovery. He discovered that about 93 percent of his customers who owned small businesses were paying more taxes than they needed to. They had been doing that for a good number of years before his survey was carried out. 

No one intentionally makes such mistakes, but what if you don’t even know that you are making a mistake? Doing taxes for small businesses is serious business, especially for the business owners. Here are some tips to help you get started.

Properly Documenting Taxes for Small Businesses

Below are a few tips or guidelines which can help you avoid paying more tax than is legally required of you:

1. Make Use of Tax Filing Software: As a small business, you cannot afford to make such expensive mistakes as overpaying taxes. The use of software can help you avoid the needless stress and headaches that come with manually compiling tax information. The chances of the software making mistakes (with the correct values inputted) is little to zero. We recommend using TurboTax, but there are many other options as well. Questions? You can consult with a live agent at H&R Block.

2. Start Paying your Retirement Funds: By paying these, you reduce taxable income. If you pay money into a retirement account, it cannot be taxed until it is withdrawn.

3. Include Your Home Office: If you have an office in your home, you could subtract the expenses related to that home office.

4. Hire a Family Member: If you have a family member or a friend working for you, you can add to your tax saving.

5.     Do Not Quickly Sell Off Your Old Equipment: If you have equipment that is no longer useful in the office, do not rush to sell it. Find out how it is classified under Section 1231. If it can be abandoned, this would simply be an ordinary loss. But if not, it can lead to a capital loss if you sell it.

So you see, there are many ways to cut down on overpaying taxes for small businesses to the government. Need more tips? Check out the Pocket Tax Guide for small business owners.

Categories
Blog

How to Find an Ergonomic Expert for Your Workplace

Workplace ergonomics could be defined as scientific in the sense that they require the use and application of already existing knowledge. Ergonomics in a workplace involves the design of the workplace – the way you sit in the office chairs to how your wrists rest on the desk near the computer keyboard, and so much more. 

This process of designing the workplace should be done with the employees in mind. This is extremely vital because if the design or layout of the workplace is too shabby or inappropriate, it may adversely affect the workers’ health and productivity. 

Such poor design might lead to situations where the workers are easily fatigued, extremely frustrated and more prone to injuries. These will obviously not make the workers any more productive. 

Workplace injuries due to poor ergonomics can lead to painful and costly treatment for chronic back pain, arthritis, and more. In addition, productivity will be much lower due to the injury.

Importance of Workplace Ergonomics

The first and most important reason for workplace ergonomics is that it eliminates or drastically reduces certain risk factors. These risk factors include those which could potentially cause common musculoskeletal injuries. Hence, it removes all the obstacles to making the workplace as safe as possible.

Additionally, it ensures that all the employees are kept in their top condition or form. Hence, their performances will not drop and they will not be fatigued at the end of the day. Small fixes like offering standup desks or treadmill desks for typically sedentary jobs can help reduce back injuries due to sitting 8-10 hours each day.

Another key importance of workplace ergonomics is that it leads to healthy competitiveness in the workplace. Since all health and safety issues have been handled, no one has any reason to slack off. In fact, everyone will be working hard to show their true capabilities and potential. This will, in turn, make your company more competitive in the market or economic scene, while making your employees more effective. Ultimately, workplace ergonomics will save you money and reduce unnecessary costs. 

Who is an Ergonomic Expert or Specialist?

This is someone highly skilled in workplace ergonomics. This person observes the workplace and the employees. Based on this observation, the workplace ergonomic expert makes appropriate plans to make the workplace more secure health-wise and more conducive for the workers. They analyze how the workers behave in the current work environment and the state of mind of the workers. Then they make the necessary plans.

How to Find the Right Ergonomic Expert

Seeing as the ergonomic expert is similar to a consultant, it is obvious that you would want the very best one to make your workplace safer. To pick the right ergonomic expert, you should first carry out a little survey of your own. 

Find out what areas of the company are lacking in terms of safety and/or productivity. Search for ergonomic expert companies that can satisfy your needs and pick out the best five (according to your research). Then contact all of them to make final inquiries and choose the right ergonomic expert for you.

In addition to paying attention to ergonomics in the workplace, you’ll also want to ensure you maintain your overall health too by avoiding getting and passing around cold or flu viruses. To maintain health year-round, try boosting your immune system with natural supplements such as Jarrow FormulasImmune PF or Vibrant Health’s Immune Defense.

Categories
Blog

Bridging Leadership Skills with a New Workforce

Bridging leadership concerns itself with everything it takes to create and sustain an effective working relationship among business stakeholders. It includes building trust, making contributions, building partnerships and so on. Bridging leadership helps to create and implement solutions to business problems.

It cuts across different spheres of leadership such as heads of organizations, commanders, controllers, experts, and power holders.

Bridging Leadership Skills

Bridging leadership skills are abundant, and of course, it can work with a new workforce. Your business workforce is supposed to comprise of people who collectively work together for the betterment of your business or firm. In this way, each person has something distinct and spectacular to contribute. Also, it helps for better solving of issues as there are so many contributions to be made.

This is exactly why in creating your workforce, you need to include people who have these bridging leadership skills. What are these skills anyway?

5 Bridging Leadership Skills

Systematic thinking: One in the new workforce you have created or seek to create needs to have the ability to think systematically. In this way, problems don’t linger on for long.

Ability to manage partnership: Partnership always comes up in regard to business. In bridging leadership skills, you need to have people who can be able to manage these partnerships, as well as convene and design.

Self-awareness: This is a paramount skill that your workforce needs to have. If one is aware of themselves, then they can fully be aware of the business and everything going on with it.

Connecting with audiences: A very good workforce will be able to connect with any type of audience. After all, this is why they have been well chosen. This audience also includes stakeholders and other business leaders. By being able to connect with them, they can be able to create and form a solid partnership.

Listening: This listening skill is a top-notch skill, as your workforce should be able to listen attentively and make something tangible out of spoken words.

The need for effective leadership can indeed not be overemphasized. However, it seems development and training no longer get tangible investment. The leadership gap is now a problem in so many organizations, and the only way to change it is by bridging the gap. 

As so many workers begin to retire from organizations, talent retention within the workforce becomes an issue and the leadership gap keeps growing. This gap is mostly found in modern organizations whose workforce consists of new entries who are not ready for leadership responsibilities. As a means of trying to bridge the gap, you can come up with a new workforce or employ the means of talent retention, which is now a top priority. Your new workforce should undergo effective training and go through leadership programs to help them step up. In the end, they will not only learn bridging leadership skills but will also have the ability to thrive in any business place.

Categories
Blog

Highlights of the Chicago Women’s Leadership Summit

Woman Power!

The Chicago Women’s Leadership Summit is a yearly event just for women as the name signifies. Its main focus is to bring together businesswomen in Chicago to discuss relevant topics that will encourage and inspire every woman present. It allows them to meet other women who may have done well in their field and learn from their experiences.

Over the years, women have learned to empower themselves while seeking to balance work and life for the better, following the theme of International Women’s Day. They come together through programs like this to talk about their issues and know how best to help each other.

The Highlights of the Summit

The summit cuts across several aspects regarding women and their lives. They learned the characteristics of highly successful women, which include resilience, energy, assertiveness, empathy, strength, and optimism.

On building their value, the women are to look closer at themselves and build a foundation around them which will help to impact their organization. Also, they are meant to build their network, achieve a great career and live a fulfilling life.

It was acknowledged that a lot of women face so many challenges and they end up not believing in themselves, which is known as self-doubt. They also deal with feelings of fear and inadequacy. In place of all these, an ideal woman is to develop and have trust, a powerful voice, and own up to her credibility.

Thriving in a Male-Dominated Society

To stand out among her peers, a good businesswoman needs to stand out, stand up, and build a successful career that includes networking, self-promotion, goal-setting, and stereotypes. Women should have mentors who can coach and help them in their various fields. They learn how to revive their careers and follow their passion.

Finally, the Chicago Women’s Leadership Summit is a program worth attending. This is because it teaches women a lot about their lives and helps them to focus their lives in the right direction.

Women and Fitness

Still, on the issue, women are taught to live a healthy and fit life. Aside from exercise, healthy women also take vitamins and supplements from brands such as New Chapter and NOW Foods to help them. These vitamins and supplements will provide them with the necessary nutrients needed to keep them going.

There are so many brands they can choose from to buy natural food supplements. As long as they are duly registered and empower you to live a healthier life, then you’re on the right track. Starting from skincare, right down to nutrition, women need to ensure that all aspects of themselves are taken care of – from health to home life to business life.