Author Archives: Gyuszi Kardos

How To Choose a Captive Insurance Company?

Choosing to go with captive insurance over commercially available plans is just the first step in getting the right coverage for your company. You will then need to determine whether you want to join an established group or start your own captive. Starting your own is more time consuming and expensive, especially when established companies are available for almost every industry. To choose the right captive insurance company, you will want to examine their track record and associated costs.

Track Record

One of the best ways to protect yourself and your company from taking on too much risk for too little reward is to research the track records of the captive insurance companies you want to work with. Look for things like how experienced the captive manager is in the industry; how many clients have been audited and what the outcome of those audits has been. It is also important to keep in mind that client references and testimonials are a good way to gather information on what the captive handles well and how they deal with dissatisfaction or other problems. A captive managed by someone who brings ingenuity and creativity to unique challenges to find innovative solutions is more likely to be able to evolve with the industry and handle any problems which arise.

Cost

The premiums and fees paid to the captive will need to be a savings over getting the same coverage from a commercial insurance company for the deal to work well for your company. Remember to keep potential dividends in mind when calculating the total costs, as well as how much you can save for various safety equipment, policies and improvements to your company.

Comparing captive insurance providers is much the same as comparing commercial ones, with the bonus of calculating dividends and tax deductions into the costs. You can usually save money over joining an established captive over forming your own or purchasing a commercial plan, but it is important to examine the variables for comparison.…

How To Extend The Life Of Your Printer

In today’s modern world, almost everyone has a personal computer in the form of a desktop or laptop. If you have a computer, you also most likely have a printer to go along with it. Being able to print documents, receipts, and more is a staple for most American homes. Printers are expensive however, so how do you get the most life out of your printer at home? Here are a few tips to help you get the most out of your printer and to help it last a long time.

Toner Replacement

Depending on the type of printer that you have, toner can range wildly in price. For example, if you have a plotter printer, having a plotter service Herndon VA come out and service your printer makes the most sense from a cost and longevity standpoint. For most people however, inkjet and laser printer toner is relatively cheap and doesn’t require a service company to replace or refill. Making sure your printer has toner is important as printing without toner will obviously get you some pretty bad prints, but it can also lead to printer damager over time.

Printer Cleaning

Printers are full of many moving parts such as rollers, belts, rails and more. Any moving part wears and collects dust over time. In order to keep your printer from squealing or making bad noises, keeping it clean is very important. While oiling parts may be a little more difficult and may require the help of a service repairman, getting the dust out of a printer is pretty simple.

All you need to get the dust out of your printer is a can of compressed air and a rag. Getting dust off of roller wheels can help increase the life of your printer as well as improve the performance.…

3 Ways to Quickly Land a Job Interview

Finding and applying for a new job can be challenging, especially if you are hoping to find one in a timely manner. With that in mind, here are three ways to help you secure a job interview, so you can quickly start a new venture.

Job Interview

Post Your Resume Online

The Internet is a great place to find jobs you want to apply for, but it is also a great place for companies and businesses to find you. By posting your professional resume and a personal statement on a variety of websites, many companies will reach out to you directly if you are a good fit for a job they are looking to fill. This will eliminate some work on your part too.

Use a Staffing Agency

Another easy way to eliminate extra work in looking for a new job is to utilize staffing firms Boston. Staffing firms will tailor your resume to fit certain jobs they are responsible for filling, introduce you to the clients they work for, and schedule all of your meetings and interviews. Since they advocate for you, they will take a commission or fee from your salary or wage, but recruiters are indispensable for their expertise in the job hunting field.

Attend Networking Events

Sometimes the best method of securing a new job is through an in person introduction. Thanks in part to social media, it is relatively easy to find a networking event, like a local happy hour. By having conversations with other professionals in your area, you may make a connection, or several, that would be willing to pass your resume to their bosses or human resource department.

Job searching can be a tough business. Think creatively about the best way for you to stand out in a pile of resumes and a new job will come your way.…

How to Be an Informed Voter

During these groundbreaking and divisive times, it’s more important than ever not only to exercise your right to vote but also to do so having an informed awareness of issues and candidates. It’s easy to succumb to misinformation or get caught up in political rhetoric, but doing your own research and thinking critically about the issues will ensure that you’re an informed voter. Read more below.

moderate political views

Do Good Research

Whether you have liberal, conservative or moderate political views, you may find yourself consuming the same media that repeatedly espouses only the same views. The most important thing you can do to make sure you’re informed about the truth is to do research yourself using a variety of reputable news sources. If you rely on only a few sources for your news and take their information as truth, you may not be getting the full picture of an issue or candidate. When choosing sources, look for ones that are factual and unbiased.

Have an Open Ear and Mind

When you’re researching, watching news or commentary programs or listening to candidates speak, it’s also important to listen and think critically.  Listen carefully to what you’re begin told and take time to really consider the information; for example, many political figures use rhetoric to make their speech seem exciting and compelling when in reality, they’re not saying anything of much value. Also, keep your mind open to new ideas and don’t be afraid to change your opinions.

Remember the Power of Your Vote

Many people often feel like it doesn’t matter if they do research or educate themselves on the issues because their vote ultimately doesn’t matter; however, that’s simply not true. Remember that a democracy is fundamentally a system in which the people have the power to choose their legislators. When so many citizens don’t vote, democracy simply cannot function at its best.

If you’re someone who wants to see improvements in society or the government, you can start by educating yourself and others on how to be an informed voter. Change always starts small.…

Types of Recreational Watercraft

Many people enjoy boating for recreation but may not know much about different kinds of boats. Here is some information about a few of the various types of boats used for recreation.

Types of Recreational Watercraft, yacht, sailboat, kayak

Yacht

While all yachts are boats, not all boats are yachts. Yachts must be 35 feet long or more. Once they reach 100 feet, they are considered mega-yachts, and super-yachts are over 200 feet long. They are generally built for luxury and recreation. Things like hatches and access panels will likely use SPD gas springs to make them open and close more easily. Yachts are powered by engines and are considered motorboats

You need to have a body of water large enough for a yacht, so if you are not close to a large lake or the ocean, that may help you with your decision. There are smaller motorboats that may work well for recreation as well. Be sure to find out what training is required before heading out on your boat.

Sailboat

Sailboats come in a variety of sizes, but the things that affect how hard they are to manipulate include how simple the rig is and how easy they are to handle. Beginners will want to research the types of rigs and find one that is easy to learn while more experienced sailors have additional options.

Kayak

If you like a man-powered vessel that you can handle with minimal skill, then a kayak is what you want. These small craft usually hold one person who uses an oar that has a paddle at each end to use to direct the boat. They are easy to transport and are not too expensive. If you like to have a few people with you, a canoe is similar but usually holds a few people.

Boating can be a very fun activity. You may want to try several different types of water vehicles to find the one you most enjoy.…

3 Things to Consider When Running a Nonprofit

Starting a nonprofit organization is a noble thing to do to help and support a cause in need. Unfortunately, a heart of gold is not enough to run a successful nonprofit. There are many pieces involved because it is essentially like a business. Here are three things to consider when running a nonprofit organization.

3 Things to Consider When Running a Nonprofit

1. Finances

You need to know and understand your finances. You must know where the money is coming in from, whether it’s sales or fundraising because you need to know if you can keep the organization going. You also need to be able to account for everything coming in and out of the nonprofit financially. That is where software like Abila MIP fund accounting is helpful because of the unique way finances are handled for transparency.

2. Board Members

Board members are those who will make sure the nonprofit is being successful. Whether it is meeting its goals or keeping track of finances, the organization needs to have a strong board. The board can also help with providing resources that they each have individually which can serve the nonprofit as they network.  

3. Research

You can’t just jump into starting a nonprofit organization. For it to be a success you need to make sure the need for the organization exists. Also, know where the funds will be coming in from and how you want to accomplish your goals. Without a plan in advance, you will find that you will struggle to have a clear path to where you are going. Also, knowing about the competition will make sure that your organization will outlast any beginning struggles.

Running a nonprofit organization isn’t much different than running a business. You need to know about and keep track of your finances, have board members who are all in to help the organization succeed and do the research to have a clear plan. …

The Chargemaster’s Role in Maintaining Hospital Revenue

The Chargemaster’s Role in Maintaining Hospital Revenue

The American healthcare system, for all involved, is a complex maze of transactions at every step of the patient-hospital relationship. One of the most important tools hospitals use to keep track of charges and maintain revenue is the chargemaster, an itemized list of each item charged to a patient or their insurance. Any chargemaster training emphasizes understanding how to best use the chargemaster to maintain revenue. 

The Importance of Mark-ups 

Chargemasters dictate what price hospitals charge for their services, and are not subject to any kind of external regulation. Hospitals, therefore, can charge significantly more than the items actually cost, sometimes as much as twenty times more. The purpose of this is two-fold: maximizing revenue as much as possible, and compensating for negotiations with private insurance companies.

Helping Revenue 

Hospitals, like any business, have to make enough money to stay open. Even public hospitals have to have enough money to pay their staff. Chargemasters are essential to tracking and monetizing internal transactions, and the inflated prices they use help hospitals continue to serve their communities. 

Negotiating Prices 

Of course, patients rarely pay the listed chargemaster price for any item or service. Insurance companies serve to negotiate both how much the company pays and how much the hospital can charge their client. Insurance can end up paying as much as 80 percent of a patient’s medical costs, and these prices will be lower than what the chargemaster lists. By marking up prices at the outset, chargemasters guarantee that hospitals are able to make ends meet, even after insurance companies lower prices. 

The chargemaster is an essential part of hospitals’ internal system, determining how much hospitals charge before they negotiate with insurance companies. By maintaining a list of each item and service they charge for, hospitals can maximize their revenue as efficiently as possible.…

3 Water Problems a Country Home May Have

For those individuals that love working outdoors, living in the country on half-an-acre or more can be a dream come true. While having space to grow trees, set up out-buildings, and establish a garden can be wonderful, water problems not often found in city living can be a constant threat. Here are three water issues a country home may have.

3 Water Problems a Country Home May Have

1. Irrigation

Many large property owners use irrigation to water big lawns when they live outside of town. The liquid flows down wide ditches or channels that allow homeowners to raise large metal gates for the scheduled time allotted the property. As the gates move up, water streams onto the land and moves with ease over the area until it quickly covers the grass. If homeowners lose track of the water for even a few minutes, flooding in basements and crawl spaces can occur as the groundwater tries to accept the new liquid.  

2. Well

Making water available inside the country home requires a well, pump, and many feet of tubing. Dozens of moving pump parts are required to push the water from deep underground, so it makes sense that sometimes the system breaks down. The good news is that finding a well pump replacement Stratford CT is easy, and next-day service is often available.

3. Waste

Modern septic tanks can quickly be taken care of by adding a special chemical several times a year to aid in sewage breakdown. However, when water tables rise, or irrigation water goes wild, the septic system can quickly become a flooded problem. Making sure the correct size tank is buried at the proper level may help with water issues.

Country dwelling is not for everyone, but it can be a wonderful life for those that love independent living. Knowing about these possible water problems can prevent flooding from destroying the peaceful idyllic life.…

Changes Expected in the Pulp and Paper Industry

Paper may be something you take for granted, even if you do not use it every day. In this digital age fewer people use paper for their work and even smaller numbers keep up the great art of letter writing, but paper nonetheless still holds an important place in daily life. The industry as a whole is evolving as the needs for and uses of paper and pulp products change. Here are some changes that pulp and paper industry experts expect to see in the coming decade.

Changes Expected in the Pulp and Paper Industry

Enhanced Production

There are some set protocols in the production of paper, which is made from plant materials including cellulose fibers. Making paper takes multiple steps. As manufacturing methods overall have evolved, paper production has also improved through the introduction of new developments and parts such as end seals.

New Materials

As paper has traditionally been made using wood pulp, many are concerned about the destruction of trees. To answer this concern, some in the industry have sought new materials. There are, in fact, a surprising number of alternatives to trees for making paper. They include:

As the industry responds to the increasingly strident calls for sustainability, makers of paper will seek out alternative fibers for their paper.

Adaptations to Consumer Packaging

As the concern about plastic waste increases, consumer packaging will continue to evolve. While these changes pose challenges to the paper manufacturing industry in that it will have to innovate its protocols and some processes, they also present opportunities. Another aspect of packaging involves higher demand for boxes as many people want the convenience of home delivery. This service also helps those who are ill or who live in rural areas without retail shops. As packaging needs change, paper manufacturing methods will adapt.

Moving Away From Virgin Pulp

As consumers increasingly want recycled paper goods, paper manufacturers will have to adapt to meet this growing market. There will likely be a shift from mills working strictly with virgin pulp to a growing number of paper producers dedicating their facilities and processes to successfully producing saleable goods from recycled paper and textiles. While this change may lead to short-term industry instability, the long-term transformation will benefit the environment as well as consumers.

As with many industries, the pulp and paper sector has been forced to adapt to the digital age. While demands for some types of paper have decreased, new opportunities have arisen. The challenge for paper manufacturers in the next 10 years will be to balance environmental concerns and consumer demands with viable processes. This ancient industry will not disappear, but it must evolve.…

3 Professional Uses for Plotters

Plotters are a great tool for anyone who often finds him or herself needing large-scale charts of any kind. For those who don’t know, plotters are specialized types of printers that people use to print out projects that are too large for regular printers or require certain other qualifications regular printers can’t offer. Here are three uses for plotters.

Architectural Plans

Architects require large and detailed plans to ensure accuracy in their work. They are often printed on specialized posters with evenly spaced dots to denote measurements, and plotters allow architects to print plans exactly to their specifications. Occasionally, plotters will get jammed or have trouble, similarly to regular printers, and in that case, they need to be taken to a shop that specializes in plotter repair Vienna VA.

Business Charts

Business charts come in a huge variety of shapes, sizes, and colors. There are no limits to the amount of data, type of data, and colorful diagrams that can be useful in a business scenario, so a machine as versatile as a plotter is incredibly useful for any business that likes to show data in an attention-grabbing manner.

Engineering Drawings

While similar to architectural plans in some ways, engineering drawings tend to be even more unique and detail-oriented. While architectural plans are usually limited to buildings that share the same general shape, engineering drawings can be anything. Each component in an engineering drawing needs to have exact specifications that explain exactly where each part goes and what its function is.

Plotters are interesting devices that help people in many professions get access to the graphs, plans, and charts that they need. Plotters are available for personal use as well for anyone who often needs to print large or complex items. Many people could find a place for a plotter in everyday life.…

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