Affordable Arizona Group Health Insurance

Arizona small businesses are feeling the crunch of the current economy and our national health care crisis. Many employers are unable to help their employees with a company health plan because of the soaring costs. This creates its own economic crisis because, without a viable benefit package, recruiting and retention creates a personnel problem. How can a small business create a benefit package on a shoe string budget?

Recent changes in Arizona law have created the opportunity for small business owners to offer a full blown benefit package to their employees without having to contribute financially.

The problem with group coverage is that it has become very expensive or even prohibitive for the average small business owner. They want to help their employees, but can they keep their doors open and take care of their employees' health care needs at the same time? The answer seems to be no for about 40 percent of Arizona residents whose employer does not offer any health plan at all.

Another big problem with traditional group health plans is portability. Because group plans are not portable, when an employee leaves a company they can not take the plan with them. They can opt to go on COBRA when they leave but for anyone one who has had the misfortune of accepting this coverage it is hugely expensive and ends in only 18 months.

Additionally, managing a traditional group health insurance plan is time consuming for the small business owners. Not only do they have the burden of their portion of the premium, they must become their own benefits coordinator or at an additional expense, hire an H.R. person.

The answer to these and many other group insurance problems is voluntary benefits.

Voluntary benefits are a total paradigm shift in the human resource equation. A total voluntary benefits package lifts the financial and management burden from the employer.

All the owner is required to do is to payroll deduct the insurance premium of the employee each month and remit one consolidated payment to the insurance company.

The employee still enjoys the benefits of the coverage and the advantage of payroll deduction. The insurance agent becomes the benefits coordinator and assists both the employees and the employer with their respective health benefits needs.

It is a solution for those small businesses that can not offer benefits to their employees because the costs are prohibitive.

Paul has been specializing in affordable Arizona Health Life & Long Term Care insurance for his Arizona clients since 1991. For more information please visit my blog at http://azhealthnow.blogspot.com

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Runescape Cheats - Are They Really Out There

Runescape cheats sites, hack sites and so on claim that they can provide you with runescape cheats. Well in order to do this theoretically you will need to access the servers that host the game and then manually change whatever it is you want to change. This however cannot be done and is also illegal.

Such methods in fact are used for many software applications and are tried and tested. For runescape however I do not believe anyone has achieved it because of the degree of difficulty involving such a task. If they have they wont be giving the ideas away for free, they would try to sell them. The cheats themselves may or may no work, if they do it might not be for very long, due to the complexity of the runescape servers that host the worlds that you play in. When a server maintenance worker discovers and odd changes they will counteract that change and in doing so will effectively remove the effect of any cheats.

The only real way to try and get a head start in runescape is to look for tips and ask people in forums. From my experience this helps. People may tell you best methods of levelling up a particular class and level. The best ways to make quick gold and best ways to complete quests and increase crafting levels. I have spent a lot of time on the internet looking for gaming help and I can say that it has paid off big time, I always have something useful to do in the game and I am never bored.

If you are looking for tested and proven runescape tips then checkout my website Runescape cheats

Free Online Games at GamingBooth

Gaming Booth is a great free online games arcade that offers over 5,000 games. My favorite game is Onslaught 2. Check out the site and see which game is your favorite.

Syndicate Kahuna - Stress Relief For Blog Owners

Syndicate Kahuna means a breath of fresh air for owners of blogs. As you know the big drawback or the big killer of blogs is fresh content. Lots of fresh content delivered daily or at least two to three times a week.

Just starting a blog is no problem. The ideas abound and come out like streams of mountain water, pure and clean. Then the stream narrows, ideas become smaller and smaller and the water is not so clean anymore. Soon the ideas dry up and you really have to get out the shovel and dig to find water.

If you have reached the digging point then you know it's not fun anymore. It's a job, and that's what you were trying to avoid by doing internet marketing. The dreaded J word.

Freedom is the internet marketers dream. Freedom to do what you want, when you want and where you want. Yet most internet marketers start a blog or ten blogs and start writing, then they learn about keyword research, so now before writing they do keyword research which constitutes another job. This is becoming fun isn't it?

Well that's the way it is today but the good news is there is a breath of fresh air about to sweep through the internet marketing and blogging communities that will once again allow you to stand up and proudly exclaim "Take This Job And Shove It"

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