Benefits Link

Links to information and services for US employers sponsoring employee benefit plans, companies providing products and services for plans, and participating employees.
benefitslink.com/index.html

Employee Benefit News

Contains articles and updates on employee benefits updated monthly.
www.benefitnews.com

The Rouse Companies

Arizona based company providing customized financial education workshops and financial planning software that educate employees about the value of their company benefits.
www.rousecompanies.com

Benefit Planning Consultants, Inc.

Illinois based, full service employee benefits consulting company.
www.bpcinc.com/

Baker, Thomsen Associates Insurance Services, Inc.

California based benefit and compensation consulting company. Includes a detailed listing of services offered.
www.btabta.com/

Advanced Personnel Systems

A directory of benefits and compensation software.
www.hrcensus.com

Online Benefits, Inc.

Web-based employee benefits and human resources communication and administration services for employers who want to automate online information.
www.online-benefits.com

S & S Financial Services

Independent benefit consulting firm, based in Arizona, which represents no specific insurance, investment or administration company. Personnel handle all administrative, claim and benefit-related problems.
www.snsfinancial.com

Wyman and Associates, Inc.

Specializes in performance management, organization analyses, recruitment, strategic compensation, employee benefit cost management, analysis, selection and promotional processes.
www.wymanandassociates.com

Coty & Bruce Benefits, Inc.

Comprehensive independent employee benefits plan administration and consulting. Provider searches.
www.cb-benefits.com

Google Docs - An Essential Blogging Tool?


By Tony Bedford

In managing my blog one of the tools I rely on is Google Docs. In this article I provide an introduction to Google Docs and explain its advantages to those running an blog.

What is Google Docs?

Google Docs is best summarized as a completely web-based, simplified, free version of Microsoft Office. It provides basic functionality such as word-processing, spreadsheets and presentations. The fact that it is an online service gives it a number of advantages, but there are also one or two disadvantages you need to be aware of.

Web-based service

The fact that Google Docs is an online service has a great advantage, you can work on a document from anywhere you have Internet access and a browser. This is more convenient than it sounds. For example, I have several computers and, using OpenOffice, I might create a Word-compatible document on, say, my desktop computer. If I am then on the road I don't have access to that document from my laptop as the document might still be on my desktop computer's hard-drive.

There are ways to transfer between computers, and one technique I used in the past was to email the document to Hotmail. This ensured that I could access the document from any of my computers and it was backed-up by Microsoft. This wasn't convenient though as I ended up having several versions of the document on different computers and keeping track of the current version proved difficult. Google Docs solves this problem as all the documents you create are hosted by Google. You can access your documents from any computer that has a browser and Internet access.

Summary

I would say I am addicted to Google Docs and find it to be an essential part of running my blog - it is one of the main reasons I use Blogger. It is convenient, easy to use and being able to store your documents (and publish them) on the web is a huge advantage. I no longer have to transfer documents between computers or worry about issues such as versioning. It is very easy to be able to export the documents to a local file, such as a PDF. So far, I have found Google Docs to be invaluable.

Google Docs can be found at http://docs.google.com

Tony Bedford first started blogging in March 2000. Tony currently maintains a free guide to more profitable blogging at http://the-business-of-blogging.blogspot.com


A5

Entrepreneurs - Why Use Free Tools To Grow Your Business? (Hint - Its Not What You Think)


by Tonya R. Taylor

To help you "Fake It Until You Make It", entrepreneurs and small business owners need to consider two critical objectives: the ability to act big on a small budget and look like a high quality-professional.

In order to accomplish these objectives you need to assess how technology can help you. If you're seriously interested in succeeding, answer these questions:

1. What tools will propel my business to the next level?

2. What tools are needed to run my business?

3. What tasks can be automated?

4. What tools will save time and increase efficiency?

5. What training is needed?

6. What tools will enhance customer relations?

7. What tools will enhance partnership relations?

8. What tools will enhance employee relations?

9. What tools are needed for data security?

10. What tools will make the business more competitive?

Before making a technology purchase, growing companies must consider the return on investment. Unfortunately, some benefits might not be tangible or cash may not be available to justify a purchase.

Since, you don't risk a cent, now is the time to make technology your BFF (Best Friend Forever). Take advantage of FREE technology tools, not just because they are FREE but to defy the odds, out perform competitors, increase revenue and propel your small business to the next level.

"101 Free Tools to Grow Your Business" (http://www.101freetools.com) is a handy FREE reference guide for small business owners who don't want to waste MONEY. You'll get the tools YOU need to power up your business fast! If you want to solve tomorrow's technology needs today visit http://www.101FREETools.com to get your FREE copy of this special report.

R5

The Importance of Market Research


By Justin Kander

Marketing is a versatile, competitive world, and when developing your marketing plan, odds are you will not get it right the first time. You need time to learn about the demographics, geography, and psycho graphics of your customers before your marketing can really be effective. That is why it is important to not stick with your first plan, as you will need to change it frequently for one reason or another.

A good phrase to live by in marketing is, "Learn from your mistakes." Sometimes testing happens naturally. Some of your marketing campaigns will fail, but instead of getting discouraged, analyze what went wrong. Maybe you advertised through the wrong medium, or to the wrong demographic. Collect all the mistakes you have made and really look at them; do not try to forget or ignore them, you have to face your mistakes if you want to be successful.

If you hate making mistakes and want to get it right the first time, there is a way, and that is market research. However, full on market research is incredibly expensive and small businesses cannot afford it, but light end market research is possible. Basically, you just have to look at the demographic of your competitors and make that your demographic. It's not that easy, though. Demographics may vary between businesses of the same nature, and that is where testing comes in. You need to test if that demographic works for you, and if it does not, you need to test another demographic.

You should not spend a lot of money on market tests. The purpose, after all, is to find the medium and demographic through which you should advertise or market. For example, if you have a website, you might want to try out banner advertising. Don't spend a lot of money at first, only spend a little and see the ROI. If the conversion is good, you know you will want to keep advertising through that medium. Executing so many marketing tests is time-consuming and costly, but it all pays off when you finally develop an effective, recyclable marketing campaign.

Justin Kander works with http://www.getprocash.com to give people tons of ways to make money online.

A7

Pay Per Clicks


By Chad Sandifer

There are many advertising options out there for small and large businesses alike. A new phenomenon that has recently hit the scene is the use of sponsored link searches for advertising needs. Are sponsored links really the best way to allocate valuable advertising dollars?

A re occurring complaint I hear from many of my customers is that sponsored links are not developing the return on investment they desire. There are several key reasons to why this may be occurring. Sponsored links, or pay per click advertising, are links on the right hand side of most search engines. These links, historically, are only used by approximately 30% of the online search market. By using only sponsored links in your online marketing campaign, you have essentially cut out 70% of the market that may be searching for your business. Further, did you know that there is a constant bidding war on the sponsored side of the page? Business are having to spend valuable working time managing their sponsored link page to make sure the are staying on the first page, while not breaking the bank. Because most consumers don't search past the first page of search engines, it is a constant war to "out bid" your competitors and stay in those valuable spots. But what is to keep your competitors from clicking your links and costing you tons of money and headaches? Thankfully, Google (among others) have allowed you to set certain limits on the amount of money you wish to spend monthly on sponsored link searches. While pay per click ads may get you some form of business, I do not believe they are the end all in online marketing. It is important to recognize several key factors when thinking about investing in pay per clicks.

1) How can I minimize "fraudulent" clicks by my competitors

2) Are their other online options, for around the same cost, which can give me a better return on investment? and

3) Am I willing to cut our 70% of the search market by spending money on sponsored links?

For some businesses, pay per clicks work. I am not advocating that they don't. The law of "big numbers" may come into play here where if you do something long enough, the average return will be worth the investment. I have found other advertising mediums that allow my customers a better, more stable, return on their investment. Diversity is the key to the marketing game and in order to advertise to all corners of a market, it is necessary to weigh your options and decide if you have the time, and money, to play the "big numbers" game.

Chad Sandifer
http://www.tenlist.com

R7
Google
 

NY Times Business

Consumer Spending Slowed in July
Spending slowed for the second consecutive month and personal income fell as the effect of economic stimulus checks tapered off and inflation lingered, the Commerce Department said.


Stocks Lower After Consumer Data
Wall Street lost ground on Friday after the government said personal incomes fell last month by the largest amount in nearly three years while consumer spending slowed.


Your Money: Automated Bill Payments Are a Cinch (Wait, Not So Fast)
After extolling the virtues of automated bill payments, I heard from many readers who are wary of such arrangements. Here are some of their reasons.


Allianz in ‘Advanced Talks’ on Dresdner Sale
With the planned sale of Dresdner Bank to Commerzbank, Allianz is set to abandon the biggest experiment in German finance of the last decade in favor of a global trend: focusing on core competencies.


TV Decoder: Highest-Rated Convention in Television History
Barack Obama accepted the Democratic nomination for president on Thursday as an estimated 38 million viewers watched on television, setting a new record for convention viewership.


Yahoo Search Engine News

Consumer spending flags, but confidence rises (Reuters)

A shopper walks past a store display in New York July 1, 2008. (Lucas Jackson/Reuters)Reuters - Personal income tumbled unexpectedly in July and inflation-adjusted spending shrank as government economic stimulus waned, but consumer spirits rose this month, a hint the economy may muddle through its woes.



Wall Street tumbles as Dell warns on tech spending (Reuters)

Traders work on the floor of the New York Stock Exchange March 17, 2008. (Brendan McDermid/Reuters)Reuters - Stocks tumbled on Friday after a warning by computer maker Dell that companies worldwide are cutting back on technology spending spooked the tech sector.



Electric fault spurs big GM recall (Reuters)

The 2007 Cadillac Escalade ESV is seen on the show floor at the North American International Auto Show in Detroit, Michigan January 8, 2006. (General Motors/Tom Pidgeon/Handout/Reuters)Reuters - General Motors Corp is recalling 857,735 vehicles equipped with a heated windshield wiper fluid system for a potential short-circuit problem, according to federal safety regulators.



Alabama governor in talks to avoid local bankruptcy (Reuters)
Reuters - Alabama's governor and Wall Street lenders bargained on Friday ahead of the expiration of a stand-still pact in a bid to avert a bankruptcy filing on $3.2 billion of debt by the state's most populous county.

Google to go ahead with Yahoo deal: report (Reuters)

Yahoo! CEO Jerry Yang (C) talks to Google co-founders Larry Page (L) and Sergey Brin at the 26th annual Allen  and  Co conference in Sun Valley, Idaho, July 10, 2008. (Rick Wilking/Reuters)Reuters - Google Inc. , facing a U.S. Justice Department probe of its search-advertising partnership with Yahoo Inc. , will proceed with the agreement by early October, Bloomberg said.



Google News

Avexa Full Year Accounts for the year ending June 30 2008 - Sydney Morning Herald

Avexa Full Year Accounts for the year ending June 30 2008
Sydney Morning Herald, Australia - 13 hours ago
Other benefits In addition to the fixed and at-risk compensation, the Company provides salary continuance cover for its permanent employees engaged in more ...
Appendix 4E and 2008 Financial Report Sydney Morning Herald
Annual Report to shareholders Sydney Morning Herald
Appendix 4E and Full Year Statutory Accounts Sydney Morning Herald
Sydney Morning Herald - Sydney Morning Herald
all 86 news articles

Organization Web site defends compensation package - Bizjournals.com

Organization Web site defends compensation package
Bizjournals.com, NC - Aug 26, 2008
•A comprehensive and balanced total compensation and benefits program is necessary to attract and retain top talent. With your generosity, Gloria Pace King, ...

Preliminary Final Report - Sydney Morning Herald

Preliminary Final Report
Sydney Morning Herald, Australia - 14 hours ago
... and other payables 16 235153 272073 Employee benefits 17(a) 7340 26417 Total current liabilities 242493 298490 Non-current liabilities Employee benefits ...
Coldwater Creek Announces Second Quarter 2008 Results Earthtimes (press release)
Fleetwood Reports Results for First Quarter of Fiscal 2009 Trading Markets (press release)
Preliminary Final Report 2008 Sydney Morning Herald
all 97 news articles

Comp calculations need not include benefits: Court - Business Insurance

Comp calculations need not include benefits: Court
Business Insurance, IL - 3 hours ago
When Mr. Shaw appealed, a workers compensation commission ruled the pension and savings contributions were fringe benefits that did not have to be included ...

Enough to make you sick - Providence Journal

Providence Journal

Enough to make you sick
Providence Journal, RI - 3 hours ago
Those employers and many others will resist legislation to mandate a certain number of paid sick days, said Peter Ronza, an adviser on employee compensation ...

Business Portal News

My favorite books of 2008 (so far)
Okay, so we’re more than halfway through 2008. I’m a voracious reader, and I wanted to share my favorite books that I read in the first half of 2008. 1. American Shaolin. Matthew Polly grew up in Kansas and decided to go study martial arts in China with Shaolin monks. I dare you to read the [...]

Three tips for “company blogging”
This is my personal blog. I don’t run my draft posts by Google’s PR or legal team, other than maybe 2-3 times when I thought a post might have legal implications. But I have learned a few hard-won lessons. So, when someone recently asked me for tips about talking to the public, I couldn’t resist. [...]

Digging out from SIGGRAPH and L.A.
I’m up to my ears in email from last week, but I had a great time down in Los Angeles and at SIGGRAPH: I’ll try to write up a little bit about the trip, but for now I’m gearing up for SES San Jose. Places to find me: - I’ll be on a keynote panel on Tuesday. [...]

What to do in Los Angeles?
I’m going to be down in Los Angeles for the SIGGRAPH computer graphics conference next week, but I hope to have a little sightseeing free time. What would you recommend seeing or doing in Los Angeles?

A Quick Tutorial on JavaScript Bookmarklets
Bookmarklets are very handy pieces of JavaScript code that you can bookmark. In HTML, if you want a link to open in a new window, you’d write it like this: <a href=”http://www.mattcutts.com/blog/” target=”_blank”>Matt Cutts</a> Go on, try it on this link: Matt Cutts If you wanted to create a bookmarklet to open a new window or tab, you’d [...]

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