#insurance client management system

[elisopsin]

Top Insurance CRM System for Agents

Elevate your insurance agency's efficiency with the top insurance CRM system for agents. Our platform offers comprehensive tools tailored to streamline client management, policy tracking, and claims processing. With intuitive features and a user-friendly interface, agents can effortlessly organize client information, track policy renewals, and provide exceptional customer service. Say goodbye to manual processes and hello to increased productivity and client satisfaction with our cutting-edge CRM system. Trusted by agents worldwide, our platform is designed to optimize workflows, enhance communication, and drive business growth. Experience the power of the top insurance CRM system and take your agency to new heights today.

[notfinancialadvice]

It's been awhile, but I have a new thought for folks starting out investing

This blog is called "not financial advice" so this is not financial advice. Nothing on this blog is.

And.

I am working on a large-scale D&D-style banking system for a private client (my job is weird). This is putting me in touch with a lot of people in very expensive suits and it I keep pinging them:

"Let's say someone has $100 to start investing, what should they do. Like, literally $100. With $0.00 added after."

I've cobbled together some thoughts (not advice don't sue me) and cut out the bullshit and sales pitches.

Start a high-yield savings account in an FDIC insured bank. As of this writing (April 27, 2023, United States-based), it'll be somewhere between 3.5 - 4.25% APY (annual percent yield -- i.e. interest)

Go with a bank that is FDIC insured. Banks pay for this, you do not. Here are smart people talking about what FDIC is.

The percentage difference listed above is 0.75%. Moving money is a bitch, is it worth chasing 0.75%? That depends on your situation, time, etc. Here are smart people who built a calculator to help you figure it out if it's worth it to you.

Touch it as little as possible.

Start a spreadsheet that tracks your finances.

In the cell that lists the amount of this balance, give it a name. Something fun, something that speaks to you. I did this as an experiment + to participate, mine is "Slime Research Adventurer Destruction Fund".

Write a prospectus (fancy word for "this is what the goal for this cash is to do").

Slime Research Adventurer Destruction Fund prospectus: Follow the path of high-yield savings rates at {bank}. Review quarterly if other banks have a substantially better rate (+1.5%).

The entire point is to break the idea of "them not me" and "today vs. someday" and "I cannot begin to build wealth vs. someone else can."

A $100 savings INVESTMENT IN A SAVINGS ACCOUNT with a rate of 3.5-4.25% will give you interest of $3.50-4.25 at the end of the first year, then continue on growing onwards.

That is your return.

Is it as high as investing in the market? No.

Is it safer? Holy fuck yes.

When you invest in stocks, bonds, etc. you are looking for a return. This is your return.

This is not a grindset mindset work 24/7 chunk of advice. This is not a reality-disillusionment "I am struggling I need to work harder."

You need to be knowledgable about how things can work for you so you can leverage what you have, where you are, when you have it, as you can.

A high-yield savings account is not going to make you rich.

It probably won't make a difference in an emergency.

It will absolutely make a difference in non-emergency times, over a period of time.

Slime Research Adventurer Destruction Fund Destroying Adventurers.

That last point is where I'm coming to.

If you don't have enough cash to invest and/or you're not comfortable investing, that's fine.

Give your savings account a name that speaks to you. This is your investment. Your savings account = your investment account.

There is no moral or ethical difference between "I have cash shoved into a savings account" and "I have cash shoved into the stock market."

The only difference is potential risk, growth, and fees (never pay for a savings account), liquidity ("how quickly can I convert this thing into cash to buy an apple at the grocery store, pay a bill, etc.").

Make money less scary via weird names and fun graphics.

Go to a piccrew site and make a catgirl with pink and blue hair.

Name your fund "Catgirlsnax Fundsies".

Make. Money. Management. Less. Scary. By. Taking. Control. Via your own. Desires. Goals. Weird quirks.

Here is to hoping these gifs are not from horrible shows I don't know anime I know money and business and monsters.

If they are then I apologize for it.

I've read the notes on my blog and a lot of you like anime. I'm hoping these resonate.

[abcd-adventures]

I am behind on watching Last Week Tonight, so we just finished watching the episode on the Opioid Settlement last night. Very wrong time. I have been fighting for WEEKS to get one of my clients into inpatient detox and treatment, but his insurance will only pay for detox and outpatient; he needs and deserves more than 3-7 days of detox before being shipped back to the drug-saturated environment that is our building/neighborhood. Getting a scholarship is so difficult and many places here don't offer them, and the out-of-pocket cost is so insane there's no way that's even an option. So, hearing that so many of these settlement dollars across the country are not even going toward treatment/harm reduction/etc. just makes me want to take a flame thrower to something (many things TBH) and watch it burn... I love my job, and I love my clients, and I'm not ever going to give up (and I feel like I must clarify that I'm not really going to burn anything for real), and my client has promised not to give up either, but sometimes the absolute BS of the systems we are forced to deal with just fills me with an incandescent rage.

I really appreciated the show, though, overall. Now I know about the council for our state and even how our agency can apply for some of these settlement dollars. I'm going to bring it to upper management tomorrow, and if they aren't doing it already and don't have a plan to, then I guess I have a new task ahead of me...

Worse things below the cut.

There was a body found behind the dumpster across the street from my work over the weekend. Things have gotten more violent in the area, plus the heat and humidity is extreme and there is a huge homeless population in the park across the street. We used to have water hoses outside of our building, but now they're locked up. I understand the cost is prohibitive, but we need to do something...I'm willing to bet there are other agencies we could partner with to create some sort of supportive services for the area's homeless population.

It is a constant challenge to stay aware of what is going on in my area and the world, do what I can, and still keep a sense of hope and positivity. Most days, I feel like I make at least some kind of a positive impact--even if it's just with one person on a given day--and that helps a lot and matters so much to me, but then I go out to my car and drive home past all of the pain and horror I've made no impact on at all and that is tough.

[bryantselectricalltd]

Top Notch Industrial Electrical Services in Red Deer: Bryant’s Electrical Ltd.

In the industrial landscape of Red Deer, reliable electrical services are the backbone of efficient operations. At the forefront of this essential sector is Bryant’s Electrical Ltd., a distinguished provider of industrial electrical services in Red Deer known for their expertise, reliability, and commitment to excellence. For businesses seeking top-notch electrical solutions, Bryant’s Electrical Ltd. stands as the trusted partner in ensuring seamless industrial operations.

Comprehensive Industrial Electrical Solutions

Bryant’s Electrical Ltd. offers a full spectrum of services designed to meet the complex needs of industrial clients. From new installations and system upgrades to routine maintenance and emergency repairs, their skilled electricians are equipped to tackle any electrical challenge with precision and efficiency. Whether you operate a manufacturing plant, a processing facility, or a warehouse, Bryant’s Electrical Ltd. delivers solutions that keep your industrial operations running smoothly.

Advanced Installations and Upgrades

Setting up or upgrading industrial electrical systems requires specialized knowledge and attention to detail. Bryant’s Electrical Ltd. excels in designing and installing advanced electrical systems that adhere to the highest standards of safety and performance. Their electricians work closely with clients to develop customized solutions that enhance productivity and efficiency. From power distribution and control panels to specialized machinery wiring and automation systems, they provide comprehensive installations that support industrial growth and innovation.

Preventive Maintenance and Inspections

Regular maintenance is crucial to prevent unexpected electrical failures that can disrupt industrial operations. Bryant’s Electrical Ltd. offers thorough maintenance services, including routine inspections, testing, and servicing of electrical systems. Their proactive approach identifies potential issues before they escalate, ensuring the reliability and longevity of your electrical infrastructure. With Bryant’s Electrical Ltd., industrial clients can focus on their core operations, confident that their electrical systems are in optimal condition.

Rapid Emergency Repairs

Electrical emergencies in industrial settings can lead to significant downtime and safety hazards. Bryant’s Electrical Ltd. provides prompt and efficient emergency repair services, available around the clock. Their experienced electricians respond quickly to diagnose and resolve electrical issues, minimizing operational interruptions and ensuring the safety of your facility. With a commitment to fast response times and effective solutions, they are the trusted choice for industrial clients facing urgent electrical problems.

Energy Efficiency and Sustainability

In today’s industrial world, energy efficiency and sustainability are key considerations. Bryant’s Electrical Ltd. offers expert guidance and solutions to help industrial clients reduce their energy consumption and environmental impact. From energy-efficient lighting and motors to smart control systems and renewable energy integration, they provide innovative options that promote sustainability while reducing operational costs. Their expertise in energy management helps industrial clients achieve long-term savings and environmental goals.

Safety and Compliance

Safety is paramount in industrial electrical work. Bryant’s Electrical Ltd. prioritizes safety and compliance in all their services. Their electricians are fully licensed, insured, and trained to adhere to the latest safety standards and regulations. They conduct thorough safety assessments and implement rigorous safety protocols to ensure that all installations and repairs meet local codes and industry best practices. By emphasizing safety and compliance, Bryant’s Electrical Ltd. protects your workforce, equipment, and operations.

Customer-Focused Service

At Bryant’s Electrical Ltd., customer satisfaction is at the heart of their business. They pride themselves on their professionalism, reliability, and dedication to delivering exceptional results. Their team works closely with clients, offering transparent communication, detailed project planning, and flexible scheduling to accommodate industrial needs. By building strong relationships and providing personalized service, Bryant’s Electrical Ltd. has earned the trust and loyalty of numerous industrial clients in Red Deer.

Partner with Bryant’s Electrical Ltd.

For industrial businesses in Red Deer seeking top-notch electrical services, Bryant’s Electrical Ltd. is the name you can rely on. With their comprehensive solutions, expert team, and unwavering commitment to quality, they ensure that your electrical systems are in the best hands. Contact Bryant’s Electrical Ltd. today to discover how they can support your industrial operations with reliable and efficient electrical services.

This article emphasizes the expertise and comprehensive services provided by Bryant’s Electrical Ltd., highlighting their commitment to quality, safety, and customer satisfaction in the industrial sector. Let me know if there are any specific details or updates you’d like to include!

[legallawsandrulesnyc]

The Role of a Lawyer in an Accident Case in NYC: Navigating Legal Challenges and Seeking Justice

Accidents, whether they involve cars, trucks, motorcycles, or pedestrians, can have life-altering consequences. In New York City, the complexities of personal injury law, combined with the intricacies of local regulations and the high stakes involved, make it essential to seek the expertise of a skilled lawyer. This blog explores the crucial role of accident Lawyers in NYC, highlighting how they can help victims navigate legal challenges and seek justice.

Understanding the Role of a Lawyer in an Accident Case

Initial Consultation and Case Evaluation

The journey typically begins with an initial consultation, where the lawyer assesses the details of the accident. During this phase, the lawyer will:

Review the Incident: Examine the circumstances surrounding the accident, including how it happened, who was involved, and any contributing factors.

Evaluate Claims: Determine the viability of a personal injury claim based on the evidence, potential liability, and the extent of damages suffered by the victim.

Gathering and Analyzing Evidence

A lawyer plays a pivotal role in collecting and analyzing evidence to build a strong case. This involves:

Collecting Documentation: Gathering police reports, medical records, witness statements, and accident scene photographs.

Expert Consultations: Consulting with experts, such as accident reconstruction specialists or medical professionals, to provide detailed insights and strengthen the case.

Negotiating with Insurance Companies

Dealing with insurance companies can be challenging, especially when trying to secure fair compensation. A lawyer will:

Handle Negotiations: Manage negotiations with insurance adjusters to ensure that the victim's rights are protected and that they receive fair compensation for their injuries and losses.

Evaluate Settlement Offers: Assess settlement offers to determine if they adequately cover the victim’s damages or if further negotiations or legal action is necessary.

Filing Legal Claims and Representing the Client

When negotiations with insurance companies fail to yield a satisfactory result, a lawyer may:

File a Lawsuit: Prepare and file a personal injury lawsuit in the appropriate court. This involves drafting legal documents, outlining the claims, and specifying the damages sought.

Represent the Client: Advocate on behalf of the client throughout the legal process, including representing them in court, presenting evidence, and arguing their case before a judge or jury.

Guiding Through Legal Procedures

Navigating the legal system can be complex and overwhelming. A lawyer provides crucial guidance by:

Explaining Legal Rights: Informing the client of their legal rights and options throughout the process.

Managing Deadlines: Ensuring that all legal deadlines are met and that necessary paperwork is filed promptly to avoid delays or dismissals.

Securing Fair Compensation

The ultimate goal of a lawyer in an accident case is to secure fair compensation for the victim. This includes:

Calculating Damages: Accurately assessing and calculating various types of damages, including medical expenses, lost wages, pain and suffering, and property damage.

Advocating for Full Compensation: Pursuing the maximum compensation possible to cover both current and future expenses related to the accident.

Providing Emotional Support

Accidents can be emotionally and psychologically taxing. A lawyer can offer:

Support and Reassurance: Providing emotional support and reassurance throughout the legal process, helping clients feel more confident and less stressed.

Why Hiring a Lawyer is Crucial in NYC Accident Cases

New York City’s unique legal environment and high population density can add layers of complexity to accident cases. Here’s why hiring a lawyer is particularly important:

Complexity of Local Laws: NYC has specific laws and regulations that can affect accident claims, including comparative negligence rules and complex insurance requirements.

High Stakes: The potential for significant damages and compensation means that having a skilled lawyer is essential to navigating the legal intricacies and achieving a favorable outcome.

Insurance Challenges: Insurance companies often aim to minimize payouts, making it crucial to have an experienced lawyer who can effectively negotiate and advocate on the client’s behalf.

Conclusion

In the aftermath of an accident in NYC, a lawyer plays a vital role in navigating the legal complexities and advocating for justice. From initial consultations and evidence gathering to negotiating with insurance companies and representing clients in court, a skilled lawyer ensures that victims receive the compensation they deserve and that their legal rights are protected. By providing expert guidance, handling intricate legal procedures, and offering emotional support, a lawyer helps accident victims manage their cases effectively and work towards a just resolution.

[restforthe-burdenedsoul]

Interview round 3 here we go! Today!!! This is their final interview according to their process.

I’m very torn between these two jobs. They’re extremely different. I have the second interview with the other job tomorrow.

Company A

For profit

Referrals from an insurance company

A little sales based / clients don’t know we’re calling / May not want help

Adults with possible undiagnosed mental illness but could be anything

Only background we have is their medical history

Company car

Would have an office / paperwork is computer based

My territory is one city

Potential for case load of 100

Need to build brand new connections with agencies/market to these agencies for partnerships

Company B

Non profit (I think- need to ask Thursday)

Client led referrals from agencies

Child welfare working with the parents/guardians and helping to manage behavior or other challenges with the kids

Can get background from the agency

Fully remote

Work From home office but fully computer based

My territory is the whole state

Case load is dependent on severity of current case load

Need to build some new connections in other areas / have a huge connection to child welfare based agencies due to my previous job/umbrella network/supervisor

I think after interview 2 I am leaning more toward company b just because it’s not cold calling again with clients who don’t want help/don’t know they’ve been referred. I also know the child welfare agencies and education system in the majority of this state, would just need to learn more about the south end. My old supervisor is a great resource and could help initiate connections for me in a lottttt of this state. I also already have some connections built in three counties. The territory is larger but most of the agencies cover multiple counties. Our umbrella agency was over the whole state. Their only downside is that is likely grant based verses the first where it’s extremely secure and connected to big companies.

Company A I would need to put in a little more work, but also my roommate has many connections too in this area, but maybe not as in-depth.

They have comparable salaries, but I have the potential to be hired on at a higher rate with company B, but I think it’ll only be by 1k. So, same thing really.

I turned down the last agency. They took less than a business day to decide, only talked to ONE referral, and offered it to me literally right after they hung up the phone with her. She was messaging me about the call as they were talking to me about the offer. Red flaggy, like how desperate were you to fill the spot? I read reviews and they have extremely high turn over.

Anyway, things are looking up. Not trying to get ahead of myself, but I think I have a lot to offer both agencies experience wise and connection wise. I’m feeling very confident.

[elsa16744]

Healthcare Market Research: Why Does It Matter? 

Healthcare market research (MR) providers interact with several stakeholders to discover and learn about in-demand treatment strategies and patients’ requirements. Their insightful reports empower medical professionals, insurance companies, and pharma businesses to engage with patients in more fulfilling ways. This post will elaborate on the growing importance of healthcare market research. 

What is Healthcare Market Research? 

Market research describes consumer and competitor behaviors using first-hand or public data collection methods, like surveys and web scraping. In medicine and life sciences, clinicians and accessibility device developers can leverage it to improve patient outcomes. They grow faster by enhancing their approaches as validated MR reports recommend. 

Finding key opinion leaders (KOL), predicting demand dynamics, or evaluating brand recognition efforts becomes more manageable thanks to domain-relevant healthcare market research consulting. Although primary MR helps with authority-building, monitoring how others in the target field innovate their business models is also essential. So, global health and life science enterprises value secondary market research as much as primary data-gathering procedures. 

The Importance of Modern Healthcare Market Research 

1| Learning What Competitors Might Do Next 

Businesses must beware of market share fluctuations due to competitors’ expansion strategies. If your clients are more likely to seek help from rival brands, this situation suggests failure to compete. 

Companies might provide fitness products, over-the-counter (OTC) medicines, or childcare facilities. However, they will always lose to a competitor who can satisfy the stakeholders’ demands more efficiently. These developments evolve over the years, during which you can study and estimate business rivals’ future vision. 

You want to track competing businesses’ press releases, public announcements, new product launches, and marketing efforts. You must also analyze their quarter-on-quarter market performance. If the data processing scope exceeds your tech capabilities, consider using healthcare data management services offering competitive intelligence integrations. 

2| Understanding Patients and Their Needs for Unique Treatment  

Patients can experience unwanted bodily changes upon consuming a medicine improperly. Otherwise, they might struggle to use your accessibility technology. If healthcare providers implement a user-friendly feedback and complaint collection system, they can reduce delays. As a result, patients will find a cure for their discomfort more efficiently. 

However, processing descriptive responses through manual means is no longer necessary. Most market research teams have embraced automated unstructured data processing breakthroughs. They can guess a customer’s emotions and intentions from submitted texts without frequent human intervention. This era of machine learning (ML) offers ample opportunities to train ML systems to sort patients’ responses quickly. 

So, life science companies can increase their employees’ productivity if their healthcare market research providers support ML-based feedback sorting and automation strategies. 

Besides, hospitals, rehabilitation centers, and animal care facilities can incorporate virtual or physical robots powered by conversational artificial intelligence (AI). Doing so is one of the potential approaches to addressing certain patients’ loneliness problems throughout hospitalization. Utilize MR to ask your stakeholders whether such integrations improve their living standards. 

3| Improving Marketing and Sales 

Healthcare market research aids pharma and biotechnology corporations to categorize customer preferences according to their impact on sales. It also reveals how brands can appeal to more people when introducing a new product or service. One approach is to shut down or downscale poorly performing ideas. 

If a healthcare facility can reduce resources spent on underperforming promotions, it can redirect them to more engaging campaigns. Likewise, MR specialists let patients and doctors directly communicate their misgivings about such a medicine or treatment via online channels. The scale of these surveys can extend to national, continental, or global markets. It is more accessible as cloud platforms flexibly adjust the resources a market research project may need. 

With consistent communication involving doctors, patients, equipment vendors, and pharmaceutical brands, the healthcare industry will be more accountable. It will thrive sustainably. 

Healthcare Market Research: Is It Ethical? 

Market researchers in healthcare and life sciences will rely more on data-led planning as competition increases and customers demand richer experiences like telemedicine. Remember, it is not surprising how awareness regarding healthcare infrastructure has skyrocketed since 2020. At the same time, life science companies must proceed with caution when handling sensitive data in a patient’s clinical history. 

On one hand, universities and private research projects need more healthcare data. Meanwhile, threats of clinical record misuse are real, having irreparable financial and psychological damage potential. 

Ideally, hospitals, laboratories, and pharmaceutical firms must inform patients about the use of health records for research or treatment intervention. Today, reputed data providers often conduct MR surveys, use focus groups, and scan scholarly research publications. They want to respect patients’ choice in who gets to store, modify, and share the data. 

Best Practices for Healthcare Market Research Projects 

Legal requirements affecting healthcare data analysis, market research, finance, and ethics vary worldwide. Your data providers must recognize and respect this reality. Otherwise, gathering, storing, analyzing, sharing, or deleting a patient’s clinical records can increase legal risks. 

Even if a healthcare business has no malicious intention behind extracting insights, cybercriminals can steal healthcare data. Therefore, invest in robust IT infrastructure, partner with experts, and prioritize data governance. 

Like customer-centricity in commercial market research applications, dedicate your design philosophy to patient-centricity. 

Incorporating health economics and outcomes research (HEOR) will depend on real-world evidence (RWE). Therefore, protect data integrity and increase quality management standards. If required, find automated data validation assistance and develop or rent big data facilities. 

Capture data on present industry trends while maintaining a grasp on long-term objectives. After all, a lot of data is excellent for accuracy, but relevance is the backbone of analytical excellence and business focus. 

Conclusion 

Given this situation, transparency is the key to protecting stakeholder faith in healthcare data management. As such, MR consultants must act accordingly. Healthcare market research is not unethical. Yet, this statement stays valid only if a standardized framework specifies when patients’ consent trumps medical researchers’ data requirements. Healthcare market research is not unethical. Yet, this statement stays valid only if a standardized framework specifies when patients’ consent trumps medical researchers’ data requirements. 

Market research techniques can help fix the long-standing communication and ethics issues in doctor-patient relationships if appropriately configured, highlighting their importance in the healthcare industry’s progress. When patients willingly cooperate with MR specialists, identifying recovery challenges or clinical devices’ ergonomic failures is quick. No wonder that health and life sciences organizations want to optimize their offerings by using market research. 

[erastaffingsolutions]

The Ultimate Guide to Jump-Starting Your Contractor Business

Are you an aspiring contractor looking to lay down the blueprint for a successful business venture? With the construction industry booming, there's no time like the present to start your own contracting business. However, the path from concept to construction is not without its challenges. From navigating licensing and permitting to building a strong reputation in your community, the steps to success are both many and varied.

In this guide, we'll walk you through the essential strategies and practical steps you need to take to start a thriving contracting business from the ground up. Whether you're just starting out or looking to revamp your approach, you'll gain valuable insights into the intricacies of establishing a solid, sustainable business in the construction industry.

10 Steps to Construct General Contractor Business

Starting a contracting business can be a complex endeavor, but breaking it down into steps can make the process more manageable. Each of these ten steps acts as a foundation for robust business growth.

Step 1: Define Your Niche

Before swinging the first hammer, it's crucial to define your niche. The construction industry is vast, so focus on an area where you have expertise or a passionate interest. Whether it's residential remodeling, commercial build-outs, or specialized trade contracting, specificity will set you apart and attract the right clientele.

Step 2: Craft a Business Plan

A business plan is your roadmap to success. It should outline your business objectives, target market, competitive analysis, financial forecasts, and marketing strategies. This plan not only guides your initial steps but also serves as a dynamic tool for adapting to market changes down the line.

Step 3: Secure Funding

Starting a contracting business requires significant capital. This could come from personal savings, loans, investors, or a combination of these sources. It's essential to consider all your funding options and secure enough capital to cover equipment, insurance, marketing, and operating costs.

Step 4: Address Legal and Regulatory Requirements

Navigating the legal and regulatory landscape is undeniably one of the more complex aspects of starting a contracting business. This step involves:

Registering your business with the appropriate government agencies

Obtaining necessary permits and licenses

Securing insurance, including liability and worker's compensation

Compliance in these areas is non-negotiable and will protect you in the event of unforeseen circumstances.

Step 5: Build Your Team

A successful contractor business is only as good as its team. Whether you're hiring employees or working with subcontractors, focus on the quality and reliability of the people you bring on board. Consider their experience, work ethic, and how well they align with your company's values.

Step 6: Establish Your Brand

Branding is more than just a logo. It's the face of your business, representing your reputation, values, and the promise of quality work. Consistency in your brand messaging across all customer touchpoints, from your website to your business cards, is critical.

Step 7: Develop a Marketing Plan

Once you've defined your brand, you need to get it out there. A robust marketing plan can encompass online strategies like search engine optimization (SEO) and social media as well as traditional methods like local advertising and networking. Tailor your marketing efforts to reach potential clients in your specific niche.

Step 8: Invest in the Right Tools and Equipment

Quality tools and equipment are essential to providing exceptional service. Invest in the tools of your trade, and make sure you have an effective system for maintenance and repair to keep your operations running smoothly.

Step 9: Focus on Customer Service

Satisfied customers are the best marketing tool you have. Ensure that customer service is a priority from day one. Clear communication, transparency in your process, and responsiveness to customer concerns can turn one-time clients into loyal advocates for your business.

Step 10: Grow Your Business Smartly

Once you've established your business, look for opportunities to grow. This could involve expanding into new services or verticals, entering into partnerships, or leveraging technology to improve efficiency. Smart, steady growth will keep your business competitive and profitable.

9 Tips When Starting a Contracting Firm

To complement the comprehensive steps above, here are nine additional insights to help you fine-tune your contracting business start-up.

1. Prioritize Safety and Training

Safety should be ingrained into the fabric of your company culture. Regular training, safety protocols, and the use of appropriate safety gear can protect your workers, your clients, and the reputation of your business.

2. Understand Local Market Conditions

Each construction market is unique, with its own set of conditions and demands. Stay abreast of local economic trends, development projects, and any legal changes that could impact your business.

3. Network in Your Community

Networking is a powerful tool for growing your business. Local trade organizations, business groups, and community events can all provide valuable connections.

4. Leverage Technology

The construction industry is no stranger to technological advancements. Project management software, 3D modeling tools, and drones for site surveys are just a few examples of how technology can improve your operations and client experience.

5. Implement Sustainable Practices

Sustainability is increasingly important to clients and regulatory bodies. Implementing sustainable construction practices can be a unique selling point for your business.

6. Maintain Thorough Records

Accurate record-keeping is not only good business practice but also necessary for regulatory compliance. It can also be invaluable in the event of a contract dispute.

7. Continuously Educate Yourself

The learning never stops in the construction industry. Whether it's new building codes, materials, or techniques, staying informed and educated will keep your business at the forefront of the industry.

8. Monitor Your Finances Closely

Keep a close eye on your financial statements and reports. Understanding your company's financial health will help you make informed decisions that contribute to long-term success.

9. Adapt to Industry Changes

The construction industry is dynamic and subject to change. Any successful contracting business must be equally adaptable, able to pivot with market shifts and consumer trends.

By following these steps and tips, you'll be well on your way to establishing a contracting business that serves your community, satisfies your customers, and stands the test of time. Remember, the process is as important as the finished product, and the growth of your business begins with the first foundation you lay, both literally and figuratively. Now, go build something great!

@erastaffingsolutions

[elisopsin]

The Best Insurance Client Management System

Discover the ultimate solution for managing your insurance clients with Elisops Insurance Client Management System. Our platform offers a comprehensive suite of tools designed to streamline every aspect of client management, from policy tracking to claims processing and customer support. With Elisops, you can efficiently manage client information, track policy renewals, and handle claims seamlessly, all in one centralized system. Our user-friendly interface and intuitive features make it easy for insurance agents to stay organized and provide exceptional service to clients. Say goodbye to manual processes and hello to increased productivity and customer satisfaction with Elisops Insurance Client Management System. Experience the best-in-class solution trusted by insurance professionals worldwide to optimize their client management processes and drive business growth.

[communistkenobi]

that’s so crazy about your name change. you’d think a lot of that red tape would be solved by digitization. like i know that it’s much more complicated than that but still. it’s not 1980 where one department literally does not receive notice of something until they receive it in the physical mail. how tf is a name change not like. filling out an electronic form then one annoying visit to your provincial insurance department for a new drivers license

This is honestly a problem with federalism! Canada has a decentralised administrative government, and not just a disconnect between provincial and federal governments, but also a disconnect between departments across the same level of government (healthcare is handled provincially for example, but also all segmented and broken up into local regions - they used to be called LIHNs, I think they changed it recently though so idk how they segment healthcare now).

I’m not super familiar with all the internal workings so this is a very simplified explanation, but another issue is, because of this decentralisation, database records and database software can sometimes be incompatible with one another or otherwise difficult to transfer between databases. Each region/government/department might be using different private software to store and manage data. The way entries are coded, how citizens/clients/patients are identified in databases, how those data get formatted and how they interface with other internal systems, etc., can vary across region and level of government. I know this is especially a problem in healthcare - I have a colleague in healthcare who told me about what a nightmare it was to transfer all patient records over to a new software system; this was a single healthcare department updating their own internal software, so they weren’t transferring it anywhere else, just updating their own shit. one of the problems was that the way dates were formatted in the new system followed the American format of Day/Month/Year (because it was American software), while the old system used the Canadian format Month/Day/Year, and because that formatting difference wasn’t caught when they tried to launch their transfer process, it was a fucking disaster and needed to be manually fixed by their IT people. And that was just the date column! So imagine now trying to get dozens of different governmental departments attempting to share data with one another across multiple platforms and data storage software.

Again I’m not familiar with all the various intricacies and whatnot, there’s probably also privacy and data sharing stuff that I don’t know about, and I’ve only worked with a few government databases before, but (to the best of my knowledge) because there is actually no centralised master database that can be directly altered (and therefore automatically alter all sub-databases below it), you have to change your name individually in every department/institution, which each have their own separate applications, documentation requirements, wait times, and processes. This is one argument for centralising administrative processes in government!

[bylightofdawn]

Just came from the endocrinologist and they legit just tried to charge me a $150 copay when I know for a FACT specialist are $50. So I called my insurance and verified that shit right then and there with them.

And because I am a born and bred Texan I did not let any of my seething anger show at them trying to fucking rip me off for 3x the rate of my copay. This is the second rocky visit with this place in less than two weeks so I'm not overly impressed.

Last week, the doctor was super rude and grumpy with me which...not a great first impression. She was nicer this time ago so maybe she was just having a bad day. She's slicing my methimazole dosage because I guess my levels are super low so that's gonna be interesting. I also need to get a glucometer and be a responsible person who has to not only keep up with daily readings but she wants me to freaking stagger the times and keep a rotating log of different samples at different times a day which....fine, makes sense. Am I going to manage to actually keep up with this? Lemme check my little black 8 ball. Outcomes says....unlikely.

I have a follow-up in 2 months, I'll give them one more appointment but if they pull any more shit like this I will find a new endocrinologist, even if I have to go to San Antonio or someplace else cause I've definitely reached an age where I have zero guilt about breaking up with a doctor if I feel like they aren't treating me right. I'm the client after all and I will take my business elsewhere.

I also called like 10 therapist offices today and left VM's man this...is a shitty system. I go to my PCP next week so I think I'm just going to ask her if there's a better way of doing this. Or maybe I need a fucking referral like everything else. Either way, I am drained and I think I'm going to take a damn nap.

[mariacallous]

When Silicon Valley Bank collapsed on March 10, Garry Tan, president and CEO of startup incubator Y Combinator, called SVB’s failure “an extinction level event for startups” that “will set startups and innovation back by 10 years or more.” People have been quick to point out how quickly the cadre of small-government, libertarian tech bros has come calling for government intervention in the form of a bailout when it’s their money on the line.

Late yesterday, the US government announced that SVB depositors will regain access to all their money, thanks to the Federal Deposit Insurance Company's backstop funded by member banks. Yet the shock to the tech ecosystem and its elite may still bring down a reckoning for many who believe it’s got nothing to do with them.

SVB’s 40,000 customers are mostly tech companies—the bank provided services to around half of US startups—but those tech companies are tattooed into the fabric of daily lives across the US and beyond. The power of the West Coast tech industry means that most digital lives are rarely more than a single degree of separation away from a startup banking with SVB.

The bank's customers may now be getting their money back but the services SVB once provided are gone. That void and the shock of last week may cause—or force—startups and their investors to drastically change how they manage their money and businesses, with effects far beyond Silicon Valley.

Most immediately, the many startups who depended on SVB have workers far from the bank’s home turf. “These companies and people are not just in Silicon Valley,” says Sarah Kunst, managing director of Cleo Capital, a San Francisco firm that invests in early-stage startups.

Y Combinator cofounder Paul Graham said yesterday that the incubator’s companies banking with SVB have more than a quarter of a million employers, around a third of whom are based outside California. If they and other SVB customers suffer cash crunches or cut back expansion plans, rent payments in many parts of the world may be delayed and staff may no longer buy coffees and lunches at the corner deli. Cautious about the future, businesses may withhold new hires, and staff who remain may respond in kind, cutting local spending or delaying home purchases or renovation work.

The second- and third-order impacts of startups hitting financial trouble or just slowing down could be more pernicious. “When you say: ‘Oh, I don’t care about Silicon Valley,’ yes, that might sound fine. But the reality is very few of us are Luddites,” Kunst says. “Imagine you wake up and go to unlock your door, and because they’re a tech company banking with SVB who can no longer make payroll, your app isn’t working and you’re struggling to unlock your door.” Perhaps you try a rideshare company or want to hop on a pay-by-the-hour electric scooter, but can’t because their payment system is provided by an SVB client who now can’t operate.

Some people affected by the bank’s collapse will be in much more precarious situations than some of the monied investors and tech insiders tweeting through the crisis. California lawmaker Scott Wiener, a member of the state’s senate, tweeted over the weekend that an unnamed payroll processing company based in San Francisco whose customers employ “tens of thousands” of workers had banked with SVB. The average salary of those workers is around $48,000, he said, and they work in businesses including pizza places, taco joints, and bike shops. “It’s not just a tech thing,” he said.

The collapse of SVB could become a painful lesson in how the sector dubbed “tech” is much broader than many realize. “Every tech company is a normal business that has suppliers who provide things,” says Dom Hallas, executive director of the Coalition for a Digital Economy, which represents startups in the UK, “They’re not all whizzy companies with names that have no vowels in them.”

On March 12, SVB’s UK subsidiary was bought by HSBC, another banking group, in a private sale brokered by the government.

SVB’s failure will also have longer-term impacts beyond the next few weeks and months. The collapse of the leading specialist in providing financial services to tech companies could make it harder for the next generation of startups to find what they need to build their business. And after witnessing the herd-like, Twitter-fueled rush to pull money out of SVB, other banks may be cautious toward tech out of fear of experiencing the same problems SVB faced.

There is also concern that as in past financial crises, problems at one bank help expose or even trigger more at others. An SVB executive reached by WIRED yesterday, speaking anonymously because they were not authorized to speak for the company, acknowledged failures at the bank but urged lawmakers to take a wider view of the situation. “An institution like ours is integral to the tech economy,” the executive says. “The biggest message is for our politicians to realize this could be a contagion if it trickles to regional banks. It’s small tech. It’s not big tech that are our clients.”

Startups need bank accounts and other services to secure investment from venture capitalists and put it to work. New financial friction for the sector could become a brake on future tech development. Government funding of technologies such as GPS has helped the tech sector, but “the vast majority of consumer technology funding isn’t coming from governments and universities in America,” says Kunst of Cleo Capital. “It’s coming from the private sector, and the private sector is going to be hamstrung in the ability to raise and deploy that money.”

The tech sector is known for its boundless—sometimes irrational—optimism, and some caught in the crisis hope that good may come from it. Kunst hopes other banks will step in to pick up SVB’s customers and become more engaged with the startup scene. “I think you’re going to see more and more bigger banks of all sizes getting excited about having tech customers,” she says, giving startups more options than they had before. To get to that point, however, we have to get through the next few days and weeks—which could be trickier than expected.

[shantitechnology]

Inventory Management in Manufacturing: How ERP Software Can Help

In the dynamic domain of manufacturing, proficient inventory management plays a crucial role in achieving operational success. Manufacturers endeavour to achieve a nuanced equilibrium between fulfilling customer demand, reducing expenses, and maximising overall operational efficiency. The maintenance of this delicate equilibrium relies on the implementation of efficient and accurate inventory management procedures. In contemporary times, the utilisation of Enterprise Resource Planning (ERP) software has emerged as a paradigm-shifting instrument, fundamentally altering the manner in which manufacturers do inventory management. Stay ahead in the competitive manufacturing landscape. Streamline operations with ERP manufacturing software for small businesses designed and developed by STERP (Shanti Technology).

This blog post explores the complexities of inventory management within the manufacturing industry and emphasises the crucial role that Enterprise Resource Planning (ERP) software plays in enhancing the efficiency of this vital component.

Understanding the Significance of Inventory Management in Manufacturing:

Inventory management encompasses the supervision of a company's inventory, with the objective of optimising the utilisation and replenishment of stockpiled products, while also maximising their overall value. Inventory in the manufacturing industry encompasses three main components: raw materials, work-in-progress (WIP), and finished products. Ensuring an appropriate equilibrium of these constituents is of utmost importance for a multitude of reasons:

·         Customer Satisfaction and Demand Fulfillment:

Meeting client demand is crucial for achieving success in the company. The timely availability of appropriate inventory plays a crucial role in ensuring the prompt fulfilment of orders, hence enhancing customer satisfaction and cultivating enduring customer relationships.

·         Cost Optimization:

Effective inventory management plays a crucial role in minimising carrying costs, encompassing expenses related to storage, insurance, and obsolescence. This practice guarantees that capital is not needlessly tied up and reduces the likelihood of both excessive inventory and insufficient inventory.

·         Production Efficiency:

Production efficiency refers to the ability to maintain an appropriate level of raw materials and components in order to ensure smooth production operations and minimise disruptions caused by material shortages.

·         Insightful Decision-making:

The acquisition of precise data regarding inventory levels and patterns offers significant advantages in terms of strategic planning, demand forecasting, and procurement decision-making.

ERP Software for Inventory Management:

Enterprise Resource Planning (ERP) software is designed to consolidate and streamline several corporate operations and functions inside a unified system. Empower your small manufacturing enterprise. Take control of production, inventory, etc. with STERP’s best ERP software for small manufacturing businesses.

In the realm of manufacturing, Enterprise Resource Planning (ERP) assumes a crucial function in augmenting inventory management through the utilisation of the following mechanisms:

·         Real-time Inventory Tracking and Visibility:

Real-time inventory tracking and visibility are facilitated by enterprise resource planning (ERP) systems, which offer instantaneous information regarding inventory quantities, locations, and movements. The increased level of visibility enables producers to make well-informed decisions promptly, hence decreasing the probability of experiencing stockouts or having excessive inventory.

·         Accurate Demand Forecasting:

Accurate demand forecasting is achieved through the utilisation of advanced analytics and historical data within Enterprise Resource Planning (ERP) systems. This practice guarantees that the manufacturing and procurement processes are in accordance with market demands, hence mitigating the risk of excessive inventory or insufficient supply.

·         Automated Reordering and Restocking:

Enterprise Resource Planning (ERP) software facilitates the automation of the reordering process by initiating purchase orders for raw materials or components when inventory levels decline below specified criteria. This automated process enhances operational efficiency and reduces the occurrence of human errors.

·         Optimized Order Management:

Efficient order management is facilitated by the integration of order processing and inventory data within an Enterprise Resource Planning (ERP) system. Manufacturers possess the power to allocate priority to orders by considering factors such as the availability of inventory, production capacity, and customer-imposed deadlines. Experience hassle-free manufacturing operations. STERP’s ERP software for the manufacturing industry is designed for manufacturing businesses, providing the tools you need to succeed.

·         Enhanced Supplier Collaboration:

Enterprise Resource Planning (ERP) systems provide efficient and effective communication with suppliers, thereby promoting a smooth and uninterrupted flow of goods and services within the supply chain. Manufacturers have the capability to exchange real-time inventory information with suppliers, thereby facilitating enhanced planning and collaboration.

·         Effective Risk Management:

The utilisation of Enterprise Resource Planning (ERP) systems facilitates the identification and mitigation of hazards pertaining to the management of inventories. This includes the identification of inventory that is moving at a slow pace, the possibility of becoming obsolete, or irregularities in the quantities of stock.

Maximizing Efficiency with ERP-Enabled Inventory Management:

The utilisation of Enterprise Resource Planning (ERP) software in inventory management enables firms to enhance operational efficiency, decrease expenses, and enhance customer satisfaction. This innovative technology facilitates the adaptation of enterprises to evolving market conditions, enabling them to achieve continuous growth and enhance their competitiveness within the manufacturing industry. The adoption of ERP software for comprehensive inventory management in the evolving manufacturing industry is not merely discretionary, but rather a strategic need. To maintain a competitive advantage, it is imperative to incorporate Enterprise Resource Planning (ERP) systems into manufacturing operations, as this enables the realisation of optimised inventory management capabilities. Enhance productivity without the complexity with STERP’s ERP for manufacturing company – a software specially tailored for manufacturing businesses to simplify the business processes.

[nicklloydnow]

“Still the arrangement is bringing new attention to the company’s scale and ubiquity. “It’s impossible to think of BlackRock without thinking of them as a fourth branch of government,” says William Birdthistle, a professor at the Chicago-Kent College of Law who studies the fund industry.

(…)

There’s probably no other financial institution that brings to the table what BlackRock does. It’s experienced in running large portfolios on behalf of others. It’s ubiquitous in markets for everything from passive, index-linked products to hands-on mutual funds, with $6.5 trillion in assets under management as of March 31. It’s the largest issuer of ETFs, which act like mutual funds but trade on an exchange. It actively manages more than $625 billion in bond funds for pension plans and other institutional clients. Almost anyone looking to buy a diverse portfolio quickly would consider BlackRock—and the Fed did the same. In a virtual hearing of the Senate Banking Committee on May 19, Fed Chairman Jerome Powell said BlackRock was hired for its expertise and “it was done very quickly due to the urgency” of the matter.

Beyond money management, BlackRock’s software platform, Aladdin, appealed to the Fed. The program evaluates risk for clients that include governments, insurers, and rival wealth managers, monitoring more than $20 trillion in assets. (Bloomberg LP, the parent company of Bloomberg News, sells financial software that competes with Aladdin.)

BlackRock has ascended to speed-dial status among Washington officialdom in part through shrewd business maneuvering. It scooped up Barclays Global Investors, including its iShares ETF division, in the fallout from the 2008 crisis. That gave BlackRock a stronghold in low-cost index funds, transforming it into the world’s largest asset manager almost overnight—and supercharging more than a decade of growth.

At the same time, the money manager built a powerful advocacy arm. Its sphere of influence reaches beyond the central bank to lawmakers, presidents, and government agency heads from both political parties, though its hiring leans Democratic. Bloomberg found only a handful of current BlackRock executives who came out of the George W. Bush administration, but more than a dozen Barack Obama alumni. These include Obama’s national security adviser, senior adviser for climate policy, the former Federal Reserve vice chairman he appointed, and numerous White House, Treasury, and Fed economists.

(…)

BlackRock, however, was handed three Fed assignments without any competitive process—though the Fed plans to rebid the contracts once the programs are in full swing. BlackRock will manage portfolios of corporate bonds and debt ETFs. It will do the same for newly issued bonds—sometimes acting as the sole buyer—and for up to 25% of bank-syndicated loans. And it will purchase commercial mortgage-backed securities from quasi-government agencies such as Fannie Mae and Freddie Mac.

BlackRock could reap as much as $48 million a year in fees for its Fed work, according to a Bloomberg analysis. That’s no windfall, especially in relation to its $4.5 billion in earnings last year. But it may further cement the money manager’s ties with policymakers. On May 12, BlackRock began the first stage of these programs when it began buying ETFs.

As with technology companies Facebook Inc. and Alphabet Inc., BlackRock’s growth raises questions over how big and useful a company can become before its size poses a risk. The firm has long argued that, unlike banks, it’s not making investments for itself with tons of borrowed money. Watching over large sums of money for clients doesn’t make its business a threat to the broader financial system.

With its latest assignment, that argument could be harder to make, says Graham Steele, director of the Corporations and Society Initiative at the Stanford Graduate School of Business. “They are so intertwined in the market and government that it’s a really interesting tangle of conflicts,” says Steele, who formerly worked at the Federal Reserve Bank of San Francisco. “In the advocacy community there’s an opinion that asset managers, and this one in particular, need greater oversight.”

Already there are growing worries about the power of BlackRock, Vanguard Group Inc., and State Street, often called the Big Three because they hold about 80% of all indexed money. That raises concerns about how they wield their voting power as shareholders and has even drawn attention from antitrust officials.

(…)

And then there are the potential conflicts. One arm of BlackRock knows what the Fed is buying, while other parts of the business participating in credit markets could benefit from that knowledge. To avoid conflicts, “there are stringent information barriers in place,” says the BlackRock spokesman. BlackRock employees working on the Fed programs must segregate their operations from all other units, including trading, brokerage, and sales. The fee waiver on ETFs helps avoid the appearance of self-dealing.

But BlackRock’s contract with the Fed also acknowledges that senior executives “may sit atop of the information barrier” and “have access to confidential information on one side of a wall while carrying out duties on the other side.” Staff working on the Fed programs must go through a cooling-off period before moving to jobs on the corporate side, but it would last only two weeks.

Birdthistle, the Chicago-Kent law professor, suggests the Fed could have made its process more competitive by allocating some of its funds for buying corporate credit to a group of asset managers from the outset, instead of just one. “It raises the question: Why did all the money have to go to one company?” he asks. “I get why BlackRock would be on the list, but I don’t understand why it would be the only one on the list.””

[hag-o-hags]

I've talked a few times about My Brother The Social Worker -- he's an LCSW in Montana who's been working with an addiction recovery center for the last few years. Montana, unsurprisingly, has a lot of people who are struggling with their addictions -- there are huge barriers to treatment that start with being hours by car from support to cultural avoidance to, as always, money.

Joann, my brother's boss, began an Intensive Outpatient program as someone in recovery herself, with the goal of meeting people where they're at instead of pushing "addicts" through a system. She created a small, tight-knit, talented group of therapists and social workers who are invested in their clients and their treatment.

Over the last month or so, the business was going through a financial crisis due to the apparent actions of someone who had access to the business's money. This person was confronted about the behavior and their access to the money was cut off. Tragically, this person murdered Joann on the night of Friday, March 17, 2023.

Since her passing, my brother has been trying to balance grieving and keeping Joann's mission alive. Even though technically they aren't being paid, he and the other therapists have been continuing to support the clients through their grief and addiction -- ensuring that the people who also knew Joann aren't left without care. They are navigating immensely complex systems of licensing and insurance while trying to manage everything else that's happening.

They've started a Gofundme, because that's where they're at. When someone passes suddenly, their assets, their business's assets, can get tangled up for months while courts make sure the estate is distributed properly. As of today, it's been a week and a half. They're treading water right now, but they badly need a life raft.

If you can help by giving money, that is wonderful. If you can help by sharing, that's also amazing. If you can't interact with this post, that is more than fine -- please take care of yourself, be safe.

- Nikita, @hag-o-hags

Seeking Recovery - Addiction treatment center: https://www.iamseekingrecovery.com/

KRTV Great Falls - Sheriff release name of GF murder victim: https://www.krtv.com/sheriff-releases-name-of-great-falls-murder-victim

[cryptokimee]

Centralized Finance and its Potential in Cryptocurrency Investing

CeFi (Centralized finance) is the conventional financial system in which entities such as banks, governments, and financial institutions manage clients’ assets. On the other hand, DeFi (Decentralized finance) operates on blockchain technology and utilizes code, algorithms, and smart contracts rather than intermediaries for the management and safeguarding of assets.

Centralized finance (CeFi) has become a popular option for cryptocurrency investing due to its convenience, security, and ease of use. This trend has also opened new doors for investment opportunities in the crypto market. In this article, we will examine the possibilities offered by centralized finance in cryptocurrency investing.

Accessibility: Centralized finance (CeFi) offers accessibility, making it a preferred option for new investors. CeFi platforms have a user-friendly interface, compared to decentralized finance (DeFi), which makes it easier for inexperienced investors to enter the cryptocurrency market. Additionally, CeFi requires lower technical knowledge and has lower entry barriers compared to DeFi.

Security: Centralized finance (CeFi) platforms are highly secure and regulated, making them a safer option compared to decentralized finance (DeFi). CeFi operates on centralized servers, which are more secure compared to the peer-to-peer networks used in DeFi. Additionally, CeFi provides insurance for its users, offering peace of mind for new investors in the cryptocurrency market.

Ease of use: Centralized finance (CeFi) platforms offer ease of use, making them a preferred choice for new investors. CeFi has a user-friendly interface and simple processes for buying, selling, and holding cryptocurrencies. This simplifies the process of starting with cryptocurrency investing. CeFi also offers a broad range of investment options, such as cryptocurrencies, stablecoins, and other financial products, providing easier diversification for portfolios.

Investment opportunities: Centralized finance (CeFi) provides a variety of investment options for cryptocurrency investors. CeFi platforms enable the trade of cryptocurrencies, investment in stablecoins, and engagement in yield farming. In addition, CeFi offers conventional financial products, like savings accounts, allowing investors to earn interest on their crypto assets. This broad range of investment options enables investors to diversify their portfolios and reduce risk.

In conclusion, centralized finance has a lot of potential for cryptocurrency investing. Its accessibility, security, ease of use, and investment opportunities make it an attractive option for new investors and experienced investors alike. As the cryptocurrency market continues to grow, it’s likely that CeFi will play an increasingly important role in the industry. However, it’s important to remember that no investment is risk-free, and investors should always conduct their due diligence and seek professional advice before investing in cryptocurrencies.