Small business pessimism
January 1, 2006 By Patrick Hyland
Here in Ohio, the perception of business conditions among small businesses is falling like the mercury during a January cold snap.
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Here in Ohio, the perception of business conditions among small businesses is falling like the mercury during a January cold snap.
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Contracts involving the sale of services or products usually have language that protects against loss or damage and provides for the payment of attorney fees and court costs to the party seeking to enforce the agreement.
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According to the Workers’ Compensation Insurance Rating Bureau, lower back injuries remain the single most common type of work-related injury.
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Anyone who plays tennis and has a weak backhand shot understands the lengths we will go to avoid improving a weakness.
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We all admire those who take a stand, as long as they’re not in our way.
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If you think that offering health insurance to your employees is the only thing you need to do for their health, think again. Each year, employee health problems cost American employers a fortune in spiraling health insurance costs, absenteeism and lost productivity.
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The IRS recently ruled that group health plans – including flexible spending arrangements and health reimbursement arrangements – are permitted to reimburse participants for certain over-the-counter medicines such as antacids, pain relievers, allergy medications, and cold medicine.
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At my last association presentation, one of the attendees had the following double question: “What’s going on with insurance premiums, and what can we do about it?â€Great questions.
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Anyone who has recently tried to purchase commercial insurance knows the surprise: Rates have skyrocketed. In simple terms, the commercial insurance industry is in the midst of what is called a "hard market," meaning that the traditional competition-based price-cutting used by carriers to gain new business no longer exists. Instead, the focus is on raising rates to try to rebuild sagging profits.
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Mike Matthews was on the job one day last year when he felt a repeat of an odd feeling in his chest. The same discomfort also had taken place the day before. Now, he wondered whether it could be serious.
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