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Is bulk buying worth it?

Is bulk buying worth it? In theory, buying goods in bulk seems like a smart, money-saving strategy. But in practice, is it really worth it? Next time you're out shopping, consider...

Life Insurance with a Refund

Comparatively speaking, of all the different types of life insurance available, term is usually the least expensive. Generally, term life insurance provides protection for a stated or defined period of...

IRA-trust-beneficiary

Protect Your Heirs by Naming a Trust as IRA Beneficiary

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" text_align="left"][vc_column width="2/3"][vc_column_text] Often, tax-qualified retirement accounts such as IRAs make up a significant part of one's estate. Naming beneficiaries of an IRA can be an important...

WHY WE LOVE TO HATE HR

HR is one of those professions that we love to hate.  If you ask someone for an HR horror story, there’s a good chance he/she will have one.  Why is...

Direct Primary Care

As a means to reduce rising health care costs, innovative solutions are rising to the surface. One such solution is known as direct primary care (DPC)....

How to Handle an ACA Penalty Letter

The IRS has begun issuing letters to employers who are not offering health coverage to full-time employees. Under the Affordable Care Act’s (ACA) employer shared responsibility rule, applicable large employers...

Annual Market Review 2017

If your financial plan for 2017 didn't work out the way you wanted it to, don't beat yourself up. Instead, ask yourself the following questions to determine what you can...

6 HR Trends to Monitor in 2018

HR departments must constantly adapt to new requirements from both internal and external sources. Unexpected factors like new regulations from the White House and additional workplace responsibilities commonly disrupt HR...

Recent Market Volatility

From February 1–5, the U.S. market (as measured by the Russell 3000 Index) fell almost 6%, resulting in many investors wondering what the future holds and if they should make...

WHAT TO EXPECT IN 2018

Each year I write a blog about what to expect in Human Resources during the coming year.  I’d like to predict warmer temperatures, but since I like to be fairly...

5 Holiday Party Best Practices

Workplace-sponsored holiday parties present a host of liabilities for organizations each year. Factors like choice of venue and employees’ religious affiliations can create friction even before alcohol is thrown into...

Planning for College

If you're the parent of a young adult who is still living at home, you might be wondering whether this situation is commonplace. According to a recent U.S. Census Bureau...

Caregiver Benefits

According to a Gallup poll, 1 out of 6 full- and part-time working Americans are also a caregiver for a loved one. Typically, a caregiver is an unpaid individual who...

Cost-Effective Wellness Programs

Many companies do not have the resources to create a complex wellness program. However, targeting wellness is important for smaller companies because a successful wellness program can reap multiple benefits....

What is a Funeral Trust?

A funeral trust is an arrangement entered into with a provider of funeral or burial services. Prepaying funeral expenses may allow you to "lock in" costs for future funeral or...

7 Ways to Reduce Workplace Stress

According to the American Institute of Stress, 80 percent of U.S. workers feel stressed on the job and workplace stress costs about $300 billion in lost productivity annually. Everyone experiences...

Dependent Care Assistance Programs

Internal Revenue Code (Code) Section 129 allows employers to provide dependent care assistance benefits for their employees on a tax-free basis. These benefit plans are referred to as dependent care...

Taxability of Wellness Program Rewards

Employer-sponsored wellness programs often incorporate rewards or incentives to encourage employees to participate. Because there are numerous legal requirements for wellness program design, employers sometimes overlook the federal tax implications...

Are You Ready to Retire?

It may be obvious, but the earlier you retire, the less time you'll have to save, and the more years you'll be living off your retirement savings. The average American...

Hospital Indemnity Coverage

According to the most recent data from the U.S. Centers for Disease Control and Prevention, 12.2 million of the 130.4 million visits to the emergency room required hospital admission. It's...

Tax Benefits of Homeownership

Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive. There may also be tax benefits under state...

5 Reasons Why Your HDHP Will Fail

High deductible health plans (HDHPs) are becoming a popular health plan offering among employers nationwide. HDHPs can encourage employees to spend their health dollars wisely and can motivate them to...