LOW UNEMPLOYMENT: CATALYST FOR EXCELLENCE OR EXCUSE FOR FAILURE?

Written by Mason Duchatschek


Continued from page 1

In contrast, a few guys where my brother worked went aroundrepparttar office recruiting players for their new softball team and they joined a league. They signed up anybody who said they would play. They didn’t get a coach and never practiced. During games, they asked people where they wanted to play, not what their abilities were. As a result, outfielders couldn’t catch fly balls, infielders couldn’t catch ground balls, and they lost almost every game.

My message is simple. Pro sports teams takerepparttar 106703 time to analyzerepparttar 106704 demands of each position. They userepparttar 106705 best tools they have available to compare players torepparttar 106706 demands of those jobs. They have tools in place to monitor a player’s progress. They realize sooner rather than later if a person lacksrepparttar 106707 raw ability to perform at a specific position. They also realize when that same person hasrepparttar 106708 raw ability to succeed at a different position. They have programs in place to train, coach, develop, and promote upcoming players before they need them.

Why don’t more companies learn to dorepparttar 106709 same thing? There are plenty of good skill, attitude, and personality assessment tools that an employer can use to build models of jobs and measure individuals against those jobs. Generally speaking, mistakes in hiring could be brought to a halt. Poor performers could be promoted or moved laterally into different positions that played to their strengths. Training efforts could actually pay off and benefitrepparttar 106710 company and its employees, particularly when tailored torepparttar 106711 individuals’ deficiencies andrepparttar 106712 company’s needs.

Copyright 2001, Mason Duchatschek

Mason Duchatschek is the president of AMO-Employer Services, Inc., in St. Louis, Missouri, and co-author of the book Sales Utopia: How to Get the Right People, Doing the Right Things, Enough Times. His phone number is 1-800-245-0445, and his company’s website is www.amo-es.com.


Ten Tips for Replacing Health Coverage

Written by Tony Novak


Continued from page 1

5. Choose indemnity type coverage and avoid HMOs whenever possible. This lets you and your doctor maintain control of your medical care. There are no “networks”; you choose your own doctor and hospital and are free to switch at any time. There are no limits on travel, since this type of coverage is equally valid everywhere inrepparttar country.

6. Take a separate plan if you travel outsiderepparttar 106702 U.S. Most U.S. plans provide weak foreign travel benefits and most worldwide plans provide weak coverage inrepparttar 106703 U.S. SO it is best to carry separate plans tailored to your travel schedule.

7. Be aware of state issues. Each state controls its own health insurance laws. Four states – MA, NJ, NY and VT – make it nearly impossible for its individual citizens to buy affordable health insurance. The only legal way around this problem is to take out coverage while living temporarily outside these states.

8. Pay for 3 months of longer. You can save money by paying for more than one month at a time. Since most plans accept credit cards, it even makes financial sense to “charge it” at a lower premium rate and then pay off your own credit card over a few months. The premium discount will usually be lower thanrepparttar 106704 credit card finance charges.

9. Avoidrepparttar 106705 lesser-known insurance plans. Health insurance premium rates are based directly onrepparttar 106706 benefits thatrepparttar 106707 insurer pays out to policyholders. It makes no sense to enroll into a plan where there is a known issue of claims problems in order to find lower premium rates. Fortunately,repparttar 106708 market share leaders maintain an excellent reputation for claims handling. Stick to these market share leaders.

10. Use a medical savings account. If you could benefit from making your medical expenses fully tax-deductible, open a medical savings account. There are no account fees or charges for those who qualify for this plan.

Tony Novak, MBA, MT is a writer and financial adviser in Narberth, PA. His businesses MedSave.com and Freedom Benefits Association provide online benefits enrollment to individuals and businesses in 47 states. He is a frequent author lecturer on tax planning and employee benefit plan topics.


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