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What is Co-Insurance?

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CoInsurance: Definition

Coinsurance is a tricky term to define because it can mean different things depending on which type of insurance you are talking about. It is most commonly used in health insurance and commonly means the percentage of the total health care bill that you as the insured will have to pay. In other words you are responsible for a portion and the insurance company is responsible for a portion. You are both co-insuring against the cost of health care.

Of course it is not a straight percentage. If you have an 80/20% coinsurance clause in your health insurance policy that means that after your deductible has been met you owe 20% of the bill while the insurer will cover 80%. But then there is an Out-of-Pocket Maximum that limits your liability.

So in a way, [Read more…] about What is Co-Insurance?

Group Health Insurance Policies

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Group Health Insurance Policies

We all understand the importance of a good health insurance policy. It not only provides financial coverage against unexpected health costs but it also reduces worry about it. With the help of a good health insurance policy, you can easily reduce the risk of developing serious health issues. Uninsured people generally ignore minor health issues or self-medicate. But when people have the coverage of a good health insurance policy, they feel more comfortable consulting a doctor before the problem has a chance to become more serious.

Group health insurance policies are generally provided by the employer of the firm you are working for. The insurance is provided for a group of employees as a whole. The insurance company provides a certificate to each of the group members. The best part about this type of insurance is that the employees do not need to qualify for coverage so you don’t need to worry about pre-existing conditions that might prevent you from getting an individual insurance policy. As an added bonus the employer often covers half the premium or even more as a benefit. Group health insurance policies might even provide coverage for certain health issues that are not covered under an individual policy.

[Read more…] about Group Health Insurance Policies

Social Media Marketing Consultants Needed

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By Tim McMahon, editor

Social Media Marketing Consultants

Social Media Marketing is a new field and just as happened in other new fields like web designers 15 years ago, companies are scrambling to find qualified people to perform this valuable service for them. This is truly an opportunity to get in on the ground floor of a budding industry and make a name for yourself and carve out a lucrative career before others catch on.

What is Social Media Marketing?

Social media marketing is a relatively new method of promoting businesses via social media platforms and finding customers and ensuring customer satisfaction after you’ve found them. Companies are increasingly realizing how important happy customers are and that it is much more profitable to retain existing customers than to constantly look for new ones. Today, social media is not just used for finding long-lost colleagues or old High School friends on Facebook; or Tweeting about what you had for lunch on Twitter. Social media has turned out to be an important tool for businesses that want to create a successful online presence. As more and more people are using social media to search for the products they like, social media marketing has become a regular part of daily business transactions and businesses have discovered social media as a method to reach their target consumers and establish a pleasant brand experience online.

Social Media Marketing ConsultantsAs a result, smart companies are shifting a part of their marketing dollars to social media. Large companies like Proctor & Gamble, Taco Bell, and Pepsi are budgeting huge amounts of money to manage brand perception and promote their products via social media. And in the process, they are creating the demand for thousands of Social Media Managers and Marketing Consultants.

So what do Social Media Marketing Consultants do?

Tap Into the Conversation

If an organization wants to find out the “chatter” in the marketplace about a particular product, they need to check the social media platforms such as Twitter and Facebook in order to see what prospective customers think about the brand. Social Media Marketing Consultants have their fingers on the pulse of the community. They monitor the chatter and set up alerts related to keywords pertaining to the brand they are monitoring. By tapping into this network and spreading the word Social Media Marketing Consultants can quickly spread the good word or defuse bad chatter from dissatisfied customers.

Spread the News

Social Media Marketing Consultants will often spread interactive online content, in relation to the commodity that’s being launched. For example if Pepsi wants to launch a new soft-drink it might create a game or a contest related to the new product to create a buzz around it with the hopes of it going viral and creating positive word-of-mouth from influencers.

Perform Online Customer Service

If an online linked in Social Media person discovers a dissatisfied customer he or she will quickly step in to diffuse the situation and turn that dissatisfaction into an amazing customer experience. Smart companies are empowering their Social Media consultants to handle customer service issues quickly before they become media nightmares.

[Read more…] about Social Media Marketing Consultants Needed

Tips for Landing a Job with No Experience

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How Can You Get a Job With No Experience?

Landing a job in today’s economy certainly is a challenge. There are so many highly qualified and experienced candidates out there that it can be nearly impossible for a recent college graduate or an individual with no job experience to break into the profession they desire.

Recently, job hunters have been bombarded with statistics and statements about the dismal state of the job economy—unemployment was recently at an all-time high, jobs are still scarce, and with graduates willing to accept lower level jobs, college degrees are losing their potency in the professional world.

For any job hunter out there, this can be an exhausting and frightening atmosphere to set foot in. But, this is how landing a job works. You have to put your foot forward and your head on the line. Oftentimes, job hopefuls find themselves in a bit of a conundrum. Employers are looking for candidates with experience, but candidates can’t get that experience until they land the job. While this is no doubt a challenge, there are many ways to display the expertise and skillset required for a job without having the specific job experience. Try these three techniques to help land a job without any relevant experience. [Read more…] about Tips for Landing a Job with No Experience

3 Alternatives to Entry Level Jobs for Recent Grads

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In a tough job market graduates need to be creative when it comes to finding ways to earn a living. In this article Maria Rainier shows you 3 ways recent grads can get ahead. ~Tim McMahon, editor

3 Alternatives to Entry Level Jobs for Recent Grads

By Maria Rainier

Today’s job market is enough to make even the most stoic and ascetic of philosophy majors fear for their quality of life. And the fact is, students are right to be worried. Economists are calling this the “Great Recession”, a label that the last four years certainly deserve — since 2007 unemployment levels have reached near record highs, almost as high as during the 1980’s recession, and though the situation has improved slightly, the outlook still isn’t great. [Read more…] about 3 Alternatives to Entry Level Jobs for Recent Grads

Top Paying Jobs

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On March 29th 2012, the U.S. Bureau of Labor Statistics (BLS) released their newest update of the Occupational Outlook Handbook which provides profiles for hundreds of different occupations including job descriptions,  median pay, education necessary, number of jobs in the U.S., and even job outlook for the decade from 2010 – 2020.  A couple of days ago, we looked at those jobs that the BLS estimated to have the largest number of new jobs created during the 2010 -2020 decade. Unfortunately, we found that 13 out of the top most prevalent jobs were low paying positions like fast food preparation or daycare workers.  So, yesterday we looked at the BLS list of Fastest Growing Occupations although we found some overlap in the positions of the fastest growing vs. the most plentiful, we found many more good paying jobs on the fastest growing list, in both the construction industry and the health care industry.

Today we are going to look at the  top 20 highest paying positions. As you would expect these positions require a combination of high level skill, experience and education. Interestingly, of the top six, four are in the area of dental medicine with oral surgeons coming in first and orthodontists coming in second each earning over $166,400 per year. Unfortunately the BLS chart doesn’t break down the top few positions other than to say that it was over $166,400 per year but according to Salary.com – Oral Surgeons earn an average of $246,834 with 10% of Oral Surgeons earning over $290,802 per year. Salary.com estimates Orthodontists average less than the $166,400 the BLS says with the median salary of “only” $125,137 although the top 10% of earners earn more than $175,943.

The other top 18 paying positions are: [Read more…] about Top Paying Jobs

Fastest Growing Occupations

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The U.S. Bureau of Labor Statistics (BLS) has released its list of the 20 fastest-growing occupations. As you would expect several are in the health services field, after all, those aging baby boomers are going to need health care. Yesterday we looked at the New Job Creation estimates in terms of pure numbers. In other words, which jobs would have the most new positions. Today we are going to look at which jobs are growing the fastest in terms of percentages.

As you would expect some positions are on both lists, like home health aides 69% growth and 706,300 new positions over the decade and personal care aides with 70% growth rate and 607,000 estimated new positions.  Unfortunately, although both jobs are growing rapidly and will need hundreds of thousands of new people to fill all the positions, the average annual salary for both positions is only about $20,000 per year.

One high paying profession with a high growth rate is biomedical engineers with a 62% growth rate over the decade averaging $81,540 per year in 2010. The fourth, fifth and ninth fastest growing professions are in the building industry and all three are entry-level positions as a carpenter, brick mason and plumber – Helpers. These positions all pay in high $20,000’s and can lead to positions like the 19th fastest-growing position of brick mason and block mason which is estimated to grow by 41% over the decade and in 2010 paid an average of $46,930 per year. Other construction trades that made the list was reinforcing iron and rebar worker with a 49% growth rate over the decade and a 2010 average salary of $38,430 and glazier (glass installer) with a 42% growth rate and a $36,640 per year average salary.

Medical and related positions that are slated to grow are physical therapy assistants (46% growth and $49,690/yr.), physical therapists (39% and $76,310/yr.), physical therapy aides (43% and $23,680/yr.), diagnostic medical sonographers (44% and $64,380/yr.), occupational therapy assistants (43% and $51,010/yr.), medical secretaries (41% and $30,530/yr.), marriage and family therapists (41% and $30,530/yr.) and even veterinary technologist positions are expected to grow 52% over the decade and average pay in 2010 was $29,710.

Other fast-growing positions are expected to be interpreters and translators with 42% growth expected and an average salary in 2010 of $43,300. Also, meeting, convention, and event planners are expected to grow by 44% and earned $45,260 per year in 2010. So if you are looking for a higher paying job it may pay to look at fastest-growing jobs rather than jobs with the most potential vacancies.

One job that is so new the Bureau of Labor Statistics isn’t even tracking it yet is that of a Social Media Manager. This position is rapidly growing as companies jump on the Social Media bandwagon.  If you enjoy using social media like Facebook and Twitter your skills are in demand. You can help companies with their Facebook and Twitter by monitoring online communications and making companies more “personal”.  Find out more about how you can become a Social Media Manager.

See also: 10 Awesome Jobs You Can Do From Home

BLS Issues New Job Creation Estimates

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The U.S. Bureau of Labor Statistics (BLS) has just released its latest revision of its annual Occupational Outlook Handbook (OOH). This is a great resource for those interested in changing jobs or for students trying to decide on a career. The OOH lists job descriptions, average salaries and estimates of the number of new jobs that will be created between 2010 and 2020. Obviously when choosing a new career it is best to be in a position that has increasing demand rather than finding yourself in an industry such as buggy whip maker where finding a job becomes increasingly difficult. If your position is in demand and supply is tight the natural progression will be increasing salaries, bigger signing bonuses and more benefits as companies compete for the limited number of candidates available.

According to the most recent data from the BLS, many of the new positions with the best salaries are in the health care arena, which makes sense in a time of aging Baby Boomers. For instance the number one position with the greatest increase in demand is for Registered Nurses. The BLS estimates 711,900 new nurses will be needed during the decade between 2010 and 2020. Plus, the salary of registered nurses is the highest of any of the top 20 growth positions with a median annual salary in 2010 of $64,690.

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Unfortunately, many of the other growth positions are [Read more…] about BLS Issues New Job Creation Estimates

Simple Steps to Improving Employee Productivity

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By Steve Hutton

In the current economic climate it is vital that firms look to their own in-house policies to ensure that efficiency and productivity are maintained to give them the very best chance possible of enduring these uncertain times. One area in which companies can increase productivity is through reducing absenteeism and attrition, whilst also maintaining morale at the highest level possible. As they say “a happy workforce is a productive workforce”. There are a great number of ways that this can be achieved but the one I would like to focus on most is that of the working environment.

Often companies will prioritise the budget they have available to be spent on new systems, training and improving existing policies and procedures at all levels of the business. Whilst I agree that these can have an impact on improving productivity and output within the firm, they can be expensive and often are only be of limited duration. Often, by the very nature of these programs as soon as the projects have been completed, the Human Resources department suggests further programs and the cycle begins again.

The Importance of the Working Environment to Productivity   

A more cost-effective method would be to improve the working environment on the company premises. Often simple updates can have a significant impact on morale and productivity. For instance,  [Read more…] about Simple Steps to Improving Employee Productivity