Klamath Insurance Center, Inc Blog
A house will never be home until a family resides in it. The house is a mere construction that consists of walls, floors, and other physical features that make up the entire premise. Meanwhile, home is where the relationship is built among members of the family.
For a small and medium-sized family, it is best to have a smaller house not exceeding approximately 900 square foot home. A smaller house with enough room for everyone’s privacy is ideal than the larger ones. Other than practical reasons, other things make smaller houses a rational choice for these families.
Empathy makes everyone more compassionate towards others. It is the trait every individual must exercise to create harmony and better understanding among society. It should not be that hard when you want to be kind towards others.
However, being empathic can be a whole different story. Some people are naturally empathic, and they can feel and absorb other people’s emotions. In psychology, those people are called empaths.
Millennials and Generation Z seem to be branded as another type of species because the previous generations are now very different than these two groups. This generation is also believed to be in ‘woke culture’ wherein these youths are starting to break the norms and traditions.
While some of the results and changes are not ideal, there are still aspects that make this culture better. Millennials are leaning towards a healthier lifestyle with wiser purchases. Financially, this generation aims to save money, properties, and other belongings that may benefit them in the long run.
One of these in-demand items are cars. Millennials and Generation Z have this urge to get cars for a more comfortable drive whether it is for traveling, business, or work. If you are a business or a millennial that is curious about the automobiles that are in today, read on:
Most of you already know that the definition of insanity is repeating the same action over and over again, expecting a different result. For years in healthcare we have repeated the same actions expecting that somehow, we would achieve a different outcome. We all know that hasn’t happened! So as employers (small, medium and large) how can we change the narrative and get back in control of our healthcare spending and not be victims to yet another year of premium increases and/or reduced benefits for our employees?
This means approaching healthcare differently, for some employers a good option would be self-funding their benefit plan. This takes courage, but a self-funded plan managed by a third-party administrator allows the employer to keep the savings generated, instead of the savings/profits going to the insurance carrier’s bottom line. It also puts the employer in the driver seat when it comes to plan design and spending. Moving to a self-funded plan is a long-term commitment. There will be good years and bad years, but the employer can insure against catastrophic losses, and during other years the savings generated will provide employers with the opportunity to reduce employee premiums, enhance benefits or simply apply the savings to other areas of the business.
A self-funded plan allows participants to shop around and find quality providers who price their services below others in the industry. If we start rewarding prudent healthcare spending, rather than blindly assuming and accepting provider networks that are contracted by the insurance carrier; we can begin the process of changing the landscape of healthcare and move away from traditional models that reward quantity over quality.
Let’s say that you are all on board with innovation and change but not quite ready to pull the trigger on a self-funded plan. There could still be room for savings, without slashing benefits. Putting in place a high deductible health plan along with a Section 105 plan. Section 105 of the Internal Revenue Service (IRS) regulations allows for reimbursement of medical expenses under an employer-sponsored health plan. There are various types of Section 105 plans including: Health Reimbursement Arrangements, Medical Expense Reimbursement Plans, Accident and Health Plans, and more. Combining a high deductible health plan with a Section 105 plan can reduce premiums and maintain quality coverage for your employees.
Making changes that put the employer back in the driver seat, means that we won’t just sit around expecting premium increases year after year. We all know that a good benefit package attracts and retains talent, thus benefits should be implemented with the goal of improving benefit offerings while controlling and reducing the costs of healthcare. No more insanity! That is our battle cry.
Businesses now use Instagram to market its products and services. The platform has been the millennials and Generation Z’s concept of aesthetic and beauty. Enterprises can take advantage of Instagram’s tools as well as the daily users. Instagram is less personal than Facebook but more professional looking than Twitter. These social media giants will help the business profitability if done correctly.
Here are the guidelines on how to use Instagram effectively to create revenue for the business.