Distilling Down the Details of the Affordable Care Act

Distilling Down the Details of the Affordable Care ActDistilling Down the Details of the Affordable Care ActDistilling Down the Details of the Affordable Care Act Berkowitz, Esq.The Affordable Care Act (ACA) dominated 2013 headlines whether because of deadline extensions, website malfunctions or threats of lost health care insurance coverage.While most of the ACAs basic mandates and thresholds remain in place, they will not all become active as originally scheduled. That meansplanning around the health care act needs to be rethought.Confused? Thats not surprisingHere are some of the major changes and decisions small geschftlicher umganges need to consider now1. Early Renewal of Current Insurance PlansThe Incentive After the ACA goes into effect, some small businesses can maintain lower insurance satzs for a longer period of time by renewing current insurance policies early.The Concern Some small businesses with relatively healthy workforces fear that the ACAs community rating requir ement will lead to a major increase in policy rates once it comes time to renew.What this Means for Employers Under the ACA, businesses that previously offered group health insurance do not have to ensure that their plans are ACA-compliant until the time that the plan is up for renewal.In order to maintain a beneficial insurance rate as long as possible, many small businesses have been quietly renewing their policies early, before the ACAs January 1 effective date. This locks in their current (ideally lower) rate for a longer period of time.Bonus Now that the Obama administration has announced a year extension before any current insurance plan is cancelled, businesses may gain even mora time to maintain current rates.What Should Small Businesses Do? Any small business owner that currently offers health insurance should explore the possibility of an early renewal, prior to whatever eventual deadline is set for ACA compliance.Talk to your current insurer about renewal.Keep up to date on deadlines for compliance.Research the online marketplace to see what rates may be under the ACA, given your particular workforce.2.Get Your Recordkeeping in PlaceThe Incentive The extension of the employer mandate provision gives employers extra time in 2014 to track workers hours to determine whether they have more than 50 FTE employees.The Concern Having more than 50 FTE employees, of course, means that an employer is subject to the employer mandate (also known as pay or play) and must provide health insurance or face a penalty.If an employer who is subject to the employer mandate has an employee who chooses not to obtain insurance through his or her employer, the employer is subject to a different penalty under the health care reform bill.What this Means for Employers Employersmust determine if they have more than 50 FTE employees and, if so, who those employees are. These steps will help you identify your FTE employeesIdentify a controlled group of employees whose hours you w ill begin tracking in 2014.Review your recordkeeping procedures to ensure you capture all necessary information about your workforce.Identify your FTE employees (workers who average more than 30 hours per week.)If the variable schedules make it difficult to determine full time employees, prepare to use the ACAs measurement and stability period method of calculation.Talk to an expert or visit IRS.gov or SHRM.org for guidance in determining the makeup of your workforce for ACA purposes.3.Adapt to the Extension of the Employer MandateThe Incentive Employers with more than 50 FTE employees now have an extra year (until January 1, 2015) to provide workers with ACA-compliant healthcare.The Concern Employers on the threshold of 50 FTE employees are given more time to decide whether to cut hours, reduce hiring or accept the mandate and find health insurance. Buthaving another year of not knowing how the law will ultimately affect them financially will potentially compliate decisions about g rowth and staffing beyond the Affordable Care Act.What this Means for All Employers Regardless of size, there are certain things that all small businesses should do with the extra yearKeep track of additional changes or extensions to the ACA by following the governments websites including healthcare.gov, IRS.gov and DOL.gov. These sites will continue to provide guidance onhow to measurethe size of your workforcein relation tothe ACA.Take time to research insurance options to compare costs and benefits through the public exchanges as well as private insurers. While full information may not be available yet, its best to familiarize yourselfwith this information now, rather thanmake an ill-informed decision down the road.Keep track of employee hours as it relates to FTE employees and your business needs. (see 2 above) 2014 is a good time to think about how your business can function going forward with more part-time employees.It may make more sense to move to a mostly full-time workfor ce.What Should Employers With mora than 50 FTEs Do?Employers who are certain about the size of their workforce should take this year to find the best possible insurance plan for their situationTalk to your current insurer about the type of ACA-compliant plans they can offer you.Explore other public and private benefits options in the marketplace or via insurance exchanges.Seek out an expert, if necessary, to help guide you through the process of buying and funding the best possible health care plan for your workforce.Continue to provide employees notice and informationaboutACAupdatesand their choicesfor insurance going forward.What Should Employers on the 50 FTEs Threshold Do?This group of employers is going to need to embrace some uncertainty.Here are steps to helpTalk to an expert. This investmentwill be worth it.Crunch the numbers how much will it cost to provide insurance? What will it cost to employ more part-time workers?Consider your long-term goals. If you intend to grow be yond 50 FTEs in the future, does it make sense to offer insurance now or wait until the health care picture is more certain?4.Understand SHOPThe IssueBeginning November 1, 2014, small businesses with fewer than 50 FTEs will be able to shop for and buy insurance through online public exchanges known as Small Business Health Options. Currently, small businesses can use a broker or agent to complete a paper application for SHOP health insurance plans. In 2016, small businesses with fewer than 100 FTEs will be eligible to buy through SHOP.What this means for employers SHOP provides a way for employers who will not be subject to the employer mandate to choose to offer health insurance to their workforce.Certain small employers will even be eligible for a tax benefit if they buy insurance through SHOP.What Should Employers Do?Decide if you want to offer insurance even if not required to by law.Doing socan helpattract top talent, stay competitive with bigger companies, improve employee mor ale and retain great workers.Talk to an insurance broker. Even though the online portion of SHOP is not yet active, small businesses can still purchase insurance the old-fashioned way.Explore whether your business is small enough to receive a tax incentive for buying insurance through SHOP.Look ahead to 2016. For businesses on the threshold of the employer mandate, it may make sense to look at buying insurance through SHOP now for your workforce that is under 50 FTEs. In 2016, you will be able to add employees and expand up to 100 FTEs and still maintain your SHOP insurance plan.Legal Disclaimer None of the information provided herein constitutes legal advice on behalf of Monster.

Sample Cover Letter to a Google Recruiter

Sample Cover Letter to a Google RecruiterSample Cover Letter to a Google RecruiterThe following has been adapted from the Vault Career Guide to the Internet and Social Media.Your resume and titel letter are your primary marketing tools to help you get hired. These documents- along with your educational achievements, professional skills and experience, and interviewing skills- will determine whether you land an interview or not. Cover letters should highlight your accomplishments and tell a company what you can do for it (e.g., how you can save the company time or money or otherwise improve its bottom line). Although cover letter and resume basics may be the same from industry to industry, your goal is to create the perfect cover letter and resume to land you a job in the Internet and social media industry. Many tech industry job applicants submit their resumes electronically, which suggests that the cover letter is no longer important. This is untrue. Many people still submit electro nic cover letters. Others use their email text as a cover letter, applying all the rules of the genre to the email format.Here is a cover letter in response to an imagined ad for an entry-level job with GoogleAnd here is a sample cover letter in response to an imagined ad for an experienced-level position with a tech firmRead MoreVault Career Guide to the Internet and Social Media Top 50 Internships For 2015Want to Work for Google or Microsoft? This New Social Media Tool Can HelpTop 10 Tech Startups to Work For in NYC

How to Write a Professional Resume in 2018 (A Step-by-step Video Guide)

How to Write a Professional Resume in 2018 (A Step-by-step Video Guide)How to Write a Professional Resume in 2018 (A Step-by-step Video Guide)This is a video resume guide. It will teach you how to write an awesome resume. A resume that will get you invited to any job interview.This is where you can stop reading and scroll down to the video below.BUT If you want to know exactly what this resume guide is about, were going to tell you right now.Were going to take you through every step of writing a resume, section by section, in less than 5 minutes.First, well talk about whether you should put a photo on the resume.Then well show you how to write a killer resume summary.Well explain how to make writing about your work experienceeasier than ever.And then? Hm, what then?Then well get to education, skills, awards and achievements, and finallyActually, you know what? Thats itOnce youll get this far, youll know everything you need to know to write a resume that wont embarrass you in front of your future colleagues.We really hope youre going to like this video guide. Its one of the first ones weve ever made and we plan on adding more.Stay tuned and good luck getting that job you really really wantShare Your Feedback or Ideas in the Comments

Six New Lean Principles for an Industry 4.0 World

Six New purple drank Principles for an Industry 4.0 World Six New Lean Principles for an Industry 4.0 World Six Lean Principles for an Industry 4.0 WorldLean manufacturing, a process that originated in Japan decades ago, is widely embraced by manufacturers today as a way to eliminate waste from manufacturing operations. Lean companies improve quality and efficiency through implementing core lean principles, thereby reducing cost, adding value for customers, and gaining a competitive edge in the marketdistributionspolitik.Lean uses a number of tools that have changed little over the past 20 years. However, with recent technology advances, such as Industry 4.0 and the Internet of Things (IoT), lean goals can be achieved must faster. For example, value stream mappingonce a pen-and-paper exerciseis now available as a software package. Sensors, software, and real-time data have removed much of the guesswork from process optimization. As a result, lean itself is getting much leaner as thes e technologies evolve and are adopted on the manufacturing floor.The Toyota Production System (TPS) system is a major precursor of the more generic lean manufacturing. Image Lean Enterprise InstituteEditors Pick The Rise from BattleBot to Corporate Robot Even with new technologies, lean is still about creating exceptional value for the customer, said Jim Morgan, senior advisor for product and process developmentwith the Lean Enterprise Institute. What is new is the growth in our understanding of how to apply lean principles, tools, and practices in new ways.Below are six of these top practices that can make engineers leaner in 2019.1. GembaThe first lean tool Morgan recommends is gemba. Gemba is a Japanese term for the place where it happens.Whether it is in the field with customers, the factory floor, or test facilities, engineers must get out of their cubes and conference rooms and spend time in the real world, Morgan said. During a gemba walk, engineers simply observe the process es going on around them. Tools are needed to capture what is learned during the gemba, he said. Notebook-and-pencil is my go-to tool, or sometimes a smart-phone camera.2. ObeyaObeya is a Japanese word for big room. For lean purposes, this means a command center or projects hub.This is where the cross-functional engineering teammanufacturing, supply chain, qualityworks together collaboratively on a regular basis, Morgan said. Visual management is key walls are typically covered with up-to-date diagrams, figures, and data lists. What matters most is that the space is inclusive, collaborative, safe, and transparent.Recommended YouTube Star Goes Viral with Glitter Bomb 3. LPPDLean product and process development (LPPD) is essentially value stream mapping (VSM) on a much larger scale. VSM is the process by which a single value stream is analyzed, with wasted steps removed. LPPD focuses on creating value by doing VSM for the entire systemnotlage just one process. This means developing not only a product, but the product delivery system as well, including all the activities from raw materials to saleable goods, Morgan said.4. Cellular ManufacturingInstead of relying on a standard production line to build a product in a sequence from receiving raw materials to the final inspection, cellular manufacturing builds parts in a dedicated cell of machines. Similar products or parts are grouped together so they can be manufactured in the same sequence and on the same equipment. This saves time by eliminating the changeover that would normally be required for different products.5. 5S5S (Sort, Straighten, Sweep, Standardize, and Sustain) is designed to keep a workplace safe, clean, and organized to save time and optimize efficiency. A very visual system, 5S optimizes work standardization efforts and productivity. For example, tools are always put away in the right place, materials and inventory are visible and accessible. A workplace organized according to 5S reduces mistakes a nd improves employee morale and productivity.6. Poka YokeThe goal of poka yoke is to eliminate mistakes before they happena core principle of lean. It is a proactive approach that can be applied to any process, at any time. Often, it occurs during design for manufacturability, or results from the implementation of other lean principles, such as VSM. When a potential problem is identified, a solution is found and put in place before production begins. IoT can be especially effective with poka yoke by analyzing machine performance and maintenance needs.More on Industry 4.0 Manufacturing Takes FlightLean and Industry 4.0 With the advance of Industry 4.0 and the IoT, lean will become increasingly data-driven, to the point where these technologies are considered lean tools themselves. As attractive as this merging sounds, Morgan warned, it is a mistake to view this technology as a silver bullet.IoT is a powerful tool full of potential, but a tool nonetheless, Morgan said. IoT is making a huge impact on industries from healthcare to automotive to consumer electronics, but it does not replace the need for lean thinking and practice. In fact, it may make lean thinking more important than ever so that we stay focused on value creation. It is important to remain very intentional about the products and services we develop so that we dont lose sight of our higher calling as engineers to help design and create a better world.Mark Crawford is an independent writer.Read More Exclusive Content from ASME.org Using the Eyes of Killer Shrimp to Design a Super Camera The Bionic Mushroom Tapping Signals Replacement for Keyboards For Further Discussion Lean itself is getting much leaner as Industry 4.0 and Internet of Things technologies evolve and are adapted on the manufacturing floor.Jim Morgan, Lean Enterprise Institute

The Pitfall of Resume Builder Tips

The Pitfall of Resume Builder Tips This way you can also be in a position to promote your skill set to the employer in a creative fashion and additionally, it will represent that you think beyond the box. Many times people have had special training for certain parts of equipment that you may not have included in your CPOL Resume but a work position comes along that needs someone who can operate that specific bit of equipment. You is going to be the individual favorite. Another frequent problem isnt providing paragraph breaks. You will need to understand where youre going in order to receive there. Be ready to begin at the bottom, regardless of what you opt to do. The majority of the time the folks that are reading the resume really dont have a thing to do with the job and dont have any direct experience with it. Youve come to the proper distributionspolitik New Questions About Resume Builder Tips For example, you might set SMART goals to increase your performance review, try to find a new job, or shift your focus to another career. If you set forth a goal thats way beyond your capabilities, you will appear naive. If you wish to find out more about setting SMART Goals, watch the video below to learn ways to set SMART career objectives. Setting goals is 1 part of the bigger formula for success. The End of Resume Builder Tips Today, your LinkedIn profile is more inclined to be your very first impression with a prospective employer. Not very comforting once youre job searching and trying your hardest to obtain an employer to focus on your resume. The benefit of the resume builder is that you obtain a consistent federal cv, which are available by means of a recruiter utilizing a keyword search. For each past job, give the conventional information found in the majority of resumes. HR Manager Resume SampleThree is among 3 resumes for this position which you might review or download. The Federal hiring procedure is tedious, not not possible. The HR specialist or the hiring manager wont be able to ascertain what youve achieved for your present agency. Its essential to notenzeichen that your resume wont be transferable between the systems, so should you have a resume on Resumix you need to create a new one on the USA Staffing application. Our resume builder is the quickest approach to create a resume that will allow you to get your fantasy job. Request opportunities to learn more about the area and widen your horizon Set your eye on a particular award on the job and do it. The info on your resume is a significant aspect in landing you your dream job, and thats why you should find out the best ideas for writing a great resume. Locate a new way to collaborate with experts in your area. The True Meaning of Resume Builder Tips Tailoring your resume for each particular federal job announcement may be the key to your success. Many applicants utilize the same resume to apply to get a number of job announcements, and such a pplicants wont be recognized as having the particular set of skills required for a position. Most candidates dont think theyre a risk. With all these candidates to select from, hiring authorities are compelled to seek out the ideal candidate. Make certain that your resume is impeccably written, and be sure it stands out. Short-term career goals can be finished in 1-3 decades, while long-term goals will take 3-5 years to complete. On the flip side, you could have multiple related career objectives. Its better to have one clearly-defined career goal and stay with it. The Tried and True Method for Resume Builder Tips in Step by Step Detail If you would like to get high excellent research and thesis papers punctually and for a sensible price, you should probably try out using EssaySupply.com. Making A Professional Resume The increasing number of essay writing services is wholly overwhelming. If youre looking for top essay writing companies, try out the mentioned above. There are a number of essay writing services that think theyre the very best, and thus dont be cheated and check the legitimate list of the very best. The Death of Resume Builder Tips The CPOL Resume Builder utilizes a highly effective method known as the RESUMIX to detect your abilities and match them to the perfect job position. If you dont know what things to get abfluged with, read through the directions on How To Create and Develop USAJOBS Profile. Our Free Resume Creator does this automatically once you press Enter after every entry. Prices specified by the artist. Second, the resume builder permits you to duplicate your resume, which is extremely helpful once you want to upgrade the document or tailor it to a particular position. Its simple to create a profile and start linking to new contacts. Once installed, click the Open Office shortcut and choose the writer application. Then take a look at the following resume writing tips to learn to compose a resume optimizing each section for greatest success.

The Quintessential Handbook to Writing a Winning Resume Samples

The Quintessential Handbook to Writing a Winning Resume Samples How to compose a simple resume isnt a question people ought to be asking. Understanding how to tailor your resume will obviously provide you an advantage. A resume sample can supply you with step-by-step guidance in figuring out how to compose a resume to satisfy your targets. Possessing a crystal clear and professional resume is important in the health care field. How to Choose Writing a Winning Resume Samples A lot of people are so concerned regarding the practice of writing a resume they put it off till they lose the chance to land the job theyve always desired. Writing a resume for employment in the species industry can be difficult. If youre planning to compose a resume since you want to know more about work, its important and necessary to know first what makes up a resume. Whether youre searching for your very first job or your next one, you require a resume that shows employers that youre a skilled prof essional. A typical mistake that numerous applicants make is writing many pages and seeking to enumerate everything. Some of the simplest skills incorporate excellent grammar or capacity to stick to deadlines. First impressions matter, even if it has to do with resumes. While resume writing software can be quite helpful, you need to place some effort into the procedure. A great resume format is simple to scan. Its important to format your document as it can raise your odds to take up the position you need and construct the dream-like career. Writing a strong application is a difficult procedure and we would like to make it simpler. However much or what kind of work experience youve got, theres a resume format that is likely to make your qualifications shine. The Battle Over Writing a Winning Resume Samples and How to Win It Again, despite the fact that the information might appear repetitive, go right ahead and attach the resume. Some men and women choose professional r esume writing services to find an edge, but if youre seeking to do it yourself, you have to have the perfect presentation to even be a contender. Surfing online for information can be rather effective and sometimes very frustrating. While the majority of people can write decent resumes, in the present market you truly require an outstanding resume that will cause you to shine. The Ultimate Writing a Winning Resume Samples Trick Its also critical to be sure your final resume is related to the open job position. If you do decide to move forward with a resume summary statement, be sure to deal with it as your personal highlight reel. One-for-all sort of resumes may be spotted, and are usually discounted by HR. You may want to skip the chronological format if youve worked in relatively similar positions for your whole career or held the exact same job for quite a long duration of time.