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... Reviews IMMS Library Immerse yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All repetitive motion Articles tagged with repetitive motion Back Reducing Workers Compensation Costs This content has not been rated yet. CompleteMarkets Editor , Sylvia Daves 4/30/2013 12:00:00 AM REDUCING WORKERS COMPENSATION COSTS by Sylvia Daves Employers are required to provide Workers Compensation insurance for all employees. You can help your clients by educating them about this c.. All Articles by CompleteMarkets Editor Comments (0 ) Solidifying The Bond With Your Customer This ... has not been rated yet. Jack Burke 4/30/2013 12:00:00 AM SOLIDIFYING THE BOND WITH YOUR CUSTOMER by Jack Burke Very few people will recognize the name Hikari, unless they're in the beauty salon industry. Hikari is a scissors manufacturer and dis.. All Articles by Jack Burke Comments (0 ) x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

... body and auto-repair shops; hair salons; physician and lawyer firms; business...

... body and auto-repair shops; hair salons; physician and lawyer firms; business...

... offers another route. It has built a library of radio commercials through the years. An agency may pay an annual licensing fee and get exclusive rights to the commercials in the market area. Horst feels the commercials are so "intrusive" and unique that they must be restricted to one agency in a market area. Jacobs' standard commercials are customized with the agency's name. The licensing fee is reduced by 50% if the same set of commercials are used the second year. The size of the fee varies with the size of the market. Using Jacobs' program costs more than having the radio station produce commercials, but less than starting from scratch with an agency. As an added bonus, Jacobs provides simple newspaper/ magazine ads, Yellow Pages copy, and direct mail pieces. ... If the agency is advertising frequently, the station might produce the spot. Just buying the air time and getting "the creative" free from the station is naturally the cheapest way to go. And it can work well. But there is a problem: If the station writes and produces it, the commercial will probably sound much like other commercials and blend in with the spots for Al's Tanning Salon and Bob's Ford. Another alternative is to use an ad agency. The agency can give you a turnkey approach, handling everything from the creative concept to production to buying the air time. If you do use an ad agency, insist on top-notch creative work. Give the agency room to be creative. Make sure they understand insurance marketing or at least can learn about it quickly. The ...

... Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Independent Contractors: Are They Or Aren't They?4/30/2013 10:45:23 PM by CompleteMarkets Editor , Marvin Sahl This content has not been rated yet. INDEPENDENT CONTRACTORS: ARE THEY OR AREN'T THEY? by Marvin Sahl, CLU The use of independent contractors can give businesses greater flexibility and lower labor costs, reduce taxes, and sometimes lower insurance premiums. Cost savings from fringe benefits, payroll, administrative expenses, and reporting can be enormous. Employees cost as much as one-third more than independent contractors- maybe even more when you factor in the costs of office space, break times, and parking. The IRS and most states are auditing for improper classifications of independent contractor. Unfortunately, a business that finds ... for tax revenues, especially since certain sophisticated tax shelters were done away with. So it makes sense that independent contractors are now prime game for bounty hunters. Businesses with the most to gain from using independents are the most likely targets for auditing. These would include travel agencies; construction companies (which have their own maze of conflicting laws); franchises; auto body and auto-repair shops; hair salons; physician and lawyer firms; businesses that employ janitors, truckers, and consultants; and even some candlestick makers. The IRS is always about two years behind in audits, and the large state agencies are usually not much quicker. A business could suffer over long-forgotten episodes. Have your tax advisors, an outside CPA, or the IRS itself examine your relationship to your independent contractors. If the ...

... Management Resources & Links Categories Popular Recent All Back Independent Contractors: Are They Or Aren't They?4/30/2013 10:45:23 PM by CompleteMarkets Editor , Marvin Sahl This content has not been rated yet. &# 160 INDEPENDENT CONTRACTORS: ARE THEY OR AREN'T THEY? by Marvin Sahl, CLU The use of independent contractors can give businesses greater flexibility and lower labor costs, reduce taxes, and sometimes lower insurance premiums. Cost savings from fringe benefits, payroll, administrative expenses, and reporting can be enormous. Employees cost as much as one-third more than independent contractors - maybe even more when you factor in the costs of office space, break times, and parking. The IRS and most states are auditing for improper classifications of independent contractor. Unfortunately, a business that finds ... for tax revenues, especially since certain sophisticated tax shelters were done away with. So it makes sense that independent contractors are now prime game for bounty hunters. Businesses with the most to gain from using independents are the most likely targets for auditing. These would include travel agencies; construction companies (which have their own maze of conflicting laws); franchises; auto body and auto-repair shops; hair salons; physician and lawyer firms; businesses that employ janitors, truckers, and consultants; and even some candlestick makers. The IRS is always about two years behind in audits, and the large state agencies are usually not much quicker. A business could suffer over long-forgotten episodes. Have your tax advisors, an outside CPA, or the IRS itself examine your relationship to your independent contractors. If the ...