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> <channel><title>Don Phin</title> <atom:link href="http://www.donphin.com/feed/" rel="self" type="application/rss+xml" /><link>http://www.donphin.com</link> <description></description> <lastBuildDate>Thu, 09 May 2013 14:22:36 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.5.1</generator> <item><title>Advantages of Employing Independent Contractors</title><link>http://www.donphin.com/advantages-of-employing-independent-contractors/</link> <comments>http://www.donphin.com/advantages-of-employing-independent-contractors/#comments</comments> <pubDate>Tue, 12 Apr 2011 00:14:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[independent contractors]]></category> <guid
isPermaLink="false">http://www.donphin.com/advantages-of-employing-independent-contractors/</guid> <description><![CDATA[Even if our economic system is sluggish we can&#39;t permit our firms for being. One approach to keep prices low with out compromising top quality should be to engage the services of independent contractors. Marketing We all know that continuous &#8230; <a
href="http://www.donphin.com/advantages-of-employing-independent-contractors/"></a>]]></description> <content:encoded><![CDATA[<p><span
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id="spin87" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">fees</span><i> (</i><span
id="spin88" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">rent</span><i>, salaries, utilities, </i><span
id="spin89" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">supplies</span><i>, taxes and </i><span
id="spin90" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">advantages</span><i>) and </i><span
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style="BACKGROUND-COLOR: white; CURSOR: default" id="spin92" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">produce a</span><i> </i><span
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id="spin94" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">In case your</span><i> payroll </i><span
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id="spin97" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">support</span><i> a full-time </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin98" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">expert</span><i>, </i><span
id="spin99" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">hiring</span><i> an </i><span
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id="spin103" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">can be</span><i> </i><span
id="spin104" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">extremely</span><i> cost-effective. Also, </i><span
id="spin105" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">due to the fact</span><i> </i><span
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id="spin108" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">that has a</span><i> </i><span
id="spin109" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">number of</span><i> </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin110" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">companies</span><i> </i><span
id="spin111" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">they need to</span><i> </i><span
id="spin112" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">preserve</span><i> </i><span
id="spin113" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">knowledgeable</span><i> </i><span
id="spin114" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">on the</span><i> </i><span
id="spin115" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">quantity of</span><i> </i><span
id="spin116" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">matters</span><i> &#8211; </i><span
id="spin117" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">as a result of</span><i> conferences, trade publications and </i><span
id="spin118" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">investigation</span><i> &#8211; </i><span
id="spin119" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">and are</span><i> </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin120" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">typically</span><i> </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin121" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">ready</span><i> </i><span
id="spin122" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">to handle</span><i> </i><span
id="spin123" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">issues</span><i> your </i><span
id="spin124" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">workers</span><i> </i><span
id="spin125" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">expert</span><i> </i><span
id="spin126" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">may not</span><i> have </i><span
id="spin127" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">regarded</span><i>.</p><p>ADMINISTRATIVE/CLERICAL</p><p></i><span
id="spin128" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">For those who</span><i> </i><span
id="spin129" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">commonly</span><i> </i><span
id="spin130" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">phone</span><i> a temp </i><span
id="spin131" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">company</span><i> when all </i><span
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id="spin133" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">need</span><i> are </i><span
id="spin134" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">documents</span><i> </i><span
id="spin135" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">made</span><i>, an offsite contractor can </i><span
id="spin136" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">save</span><i> you </i><span
id="spin137" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">funds</span><i>, time and </i><span
id="spin138" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">nervousness</span><i>. He/she will </i><span
id="spin139" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">primary</span><i> your </i><span
id="spin140" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">data</span><i> from his/her </i><span
id="spin141" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">office</span><i> and return </i><span
id="spin142" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">to you personally</span><i> in an e-mail attachment. </i><span
id="spin143" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">As a result</span><i>, </i><span
id="spin144" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you do not</span><i> </i><span
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id="spin146" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">in your own</span><i> </i><span
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id="spin150" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">high-priced</span><i> </i><span
id="spin151" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">products</span><i>, </i><span
id="spin152" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">there is</span><i> no </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin153" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">schooling</span><i> time </i><span
id="spin154" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">necessary</span><i>, </i><span
id="spin155" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">so you</span><i> </i><span
id="spin156" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">shell out</span><i> </i><span
id="spin157" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">just for</span><i> what </i><span
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id="spin159" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">receive</span><i> &#8211; not for time </i><span
id="spin160" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">invested</span><i> </i><span
id="spin161" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">to the</span><i> </i><span
id="spin162" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">mobile phone</span><i> or </i><span
id="spin163" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">examining</span><i> magazines </i><span
id="spin164" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">throughout</span><i> down </i><span
style="BACKGROUND-COLOR: white; CURSOR: default" id="spin165" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">occasions</span><i>.</p><p></i><span
id="spin166" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Significant</span><i> </i><span
id="spin167" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Savings</span><i></p><p></i><span
id="spin168" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Mainly because</span><i> independents </i><span
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id="spin170" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">need</span><i> </i><span
id="spin171" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">workplace</span><i> </i><span
id="spin172" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">space</span><i> or use your </i><span
id="spin173" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">electrical power</span><i>, phone/fax, parking garage, or </i><span
id="spin174" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">business office</span><i> </i><span
id="spin175" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">supplies</span><i>, </i><span
id="spin176" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you could</span><i> </i><span
id="spin177" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">significantly</span><i> </i><span
id="spin178" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">decrease</span><i> your </i><span
id="spin179" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">expenses</span><i>. </i><span
id="spin180" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">You also</span><i> </i><span
id="spin181" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">do not</span><i> </i><span
id="spin182" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">shell out</span><i> </i><span
id="spin183" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">insurance policies</span><i> premiums or for </i><span
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id="spin185" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Removing</span><i> </i><span
id="spin186" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">individuals</span><i> </i><span
id="spin187" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">expensive</span><i> </i><span
id="spin188" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">positive aspects</span><i> </i><span
id="spin189" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">can give</span><i> your </i><span
id="spin190" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">funds</span><i> </i><span
id="spin191" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">movement</span><i> a </i><span
id="spin192" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">wholesome</span><i> </i><span
id="spin193" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">improve</span><i>.</p><p>ENVIRONMENTAL </i><span
id="spin194" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Rewards</span><i></p><p></i><span
id="spin195" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">For the reason that</span><i> most </i><span
id="spin196" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">impartial</span><i> contractors </i><span
id="spin197" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">work</span><i> </i><span
id="spin198" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">in the</span><i> </i><span
id="spin199" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">property</span><i>, </i><span
id="spin200" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">there are</span><i> </i><span
id="spin201" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">less</span><i> </i><span
id="spin202" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">autos</span><i> </i><span
id="spin203" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">about the</span><i> </i><span
id="spin204" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">road</span><i> and </i><span
id="spin205" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">less</span><i> </i><span
id="spin206" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">strain</span><i> </i><span
id="spin207" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">within the</span><i> </i><span
id="spin208" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">environment</span><i> and infrastructure.</p><p>In summary, </i><span
id="spin209" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">hiring</span><i> </i><span
id="spin210" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">impartial</span><i> contractors and consultants can </i><span
id="spin211" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">operate</span><i> </i><span
id="spin212" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">to your</span><i> </i><span
id="spin213" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">benefit</span><i> </i><span
id="spin214" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">for the reason that</span><i>:</p><p>&middot; you </i><span
id="spin215" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">save money</span><i> by </i><span
id="spin216" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">paying out</span><i> </i><span
id="spin217" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">only for</span><i> the </i><span
id="spin218" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">tasks</span><i> </i><span
id="spin219" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you would like</span><i> &#8211; when/if </i><span
id="spin220" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">small business</span><i> is </i><span
id="spin221" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">slow</span><i>, </i><span
id="spin222" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you happen to be</span><i> not locked into </i><span
id="spin223" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">having to pay</span><i> a </i><span
id="spin224" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">income</span><i> your </i><span
id="spin225" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">income</span><i> </i><span
id="spin226" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">cannot</span><i> </i><span
id="spin227" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">assistance</span><i>;</p><p>. </i><span
id="spin228" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">there are no</span><i> </i><span
id="spin229" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">employee</span><i> taxes or </i><span
id="spin230" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">gains</span><i> to </i><span
id="spin231" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">pay out</span><i>;</p><p>. </i><span
id="spin232" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you don&#39;t</span><i> </i><span
id="spin233" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">restrict</span><i> your </i><span
id="spin234" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">choices</span><i> </i><span
id="spin235" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">for the</span><i> </i><span
id="spin236" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">creativeness</span><i>, </i><span
id="spin237" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">creativeness</span><i>, </i><span
id="spin238" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">understanding</span><i> or </i><span
id="spin239" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">experience</span><i> of </i><span
id="spin240" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">a person</span><i> </i><span
id="spin241" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">human being</span><i> or group;</p><p>. </i><span
id="spin242" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">in case your</span><i> contractor&#39;s efforts </i><span
id="spin243" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">never</span><i> </i><span
id="spin244" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">correctly</span><i> </i><span
id="spin245" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">promote</span><i> </i><span
id="spin246" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">your company</span><i>, you </i><span
id="spin247" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">aren&#39;t</span><i> &#8220;stuck&#8221; with him/her;</p><p>. </i><span
id="spin248" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">you do not</span><i> </i><span
id="spin249" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">risk</span><i> the legal </i><span
id="spin250" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">challenges</span><i> (i.e., harassment/prejudice/wrongful termination </i><span
id="spin251" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">statements</span><i>) that employers </i><span
id="spin252" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">deal with</span><i>; and</p><p>. </i><span
id="spin253" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">impartial</span><i> contractors </i><span
id="spin254" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">will not</span><i> </i><span
id="spin255" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">possess the</span><i> </i><span
id="spin256" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">safety</span><i> </i><span
id="spin257" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">internet</span><i> of an employer. No &#39;off&#39; days are </i><span
id="spin258" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">allowed</span><i> &#8211; </i><span
id="spin259" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">they need to</span><i> shine 24/7 </i><span
id="spin260" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">to maintain</span><i> their </i><span
id="spin261" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">customers</span><i> coming </i><span
id="spin262" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">back again</span><i>, acting as referral </i><span
id="spin263" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">sources</span><i>, and </i><span
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id="spin289" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Report</span><i> </i><span
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id="spin291" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Advantages of</span><i> </i><span
id="spin292" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Employing</span><i> </i><span
id="spin293" onmouseover="javascript:this.style.backgroundColor=&#39;#ffffcc&#39;; this.style.cursor=&#39;pointer&#39;;" onmouseout="javascript:this.style.backgroundColor=&#39;white&#39;;this.style.cursor=&#39;default&#39;;">Impartial</span><i> Contractors</i></p><p><p></p> ]]></content:encoded> <wfw:commentRss>http://www.donphin.com/advantages-of-employing-independent-contractors/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>EEOC Compliance- EEOC Litigation Increase</title><link>http://www.donphin.com/eeoc-compliance-eeoc-litigation-increase/</link> <comments>http://www.donphin.com/eeoc-compliance-eeoc-litigation-increase/#comments</comments> <pubDate>Mon, 28 Mar 2011 01:04:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[EEOC Compliance]]></category> <category><![CDATA[eeoc]]></category> <category><![CDATA[eeoc compliance]]></category> <category><![CDATA[eeoc consultant]]></category> <guid
isPermaLink="false">http://www.donphin.com/?p=2203</guid> <description><![CDATA[The U.S. Equal Employment Opportunity Commission (EEOC) has been helping American workers for over 35 years. Their mission statement describes their function best: &#8220;The U.S. Equal Employment Opportunity Commission (EEOC) is responsible for enforcing federal laws that make it illegal &#8230; <a
href="http://www.donphin.com/eeoc-compliance-eeoc-litigation-increase/"></a>]]></description> <content:encoded><![CDATA[<p>The U.S. Equal Employment Opportunity Commission (EEOC) has been helping American workers for over 35 years. Their mission statement describes their function best: &#8220;The U.S. Equal Employment Opportunity Commission (EEOC) is responsible for enforcing federal laws that make it illegal to discriminate against a job applicant or an employee due to the individual&#8217;s race, color, religion, sex (such as pregnancy), national origin, age (40 or older), disability or genetic info. It is also illegal to discriminate against a person simply because the person complained about discrimination, filed a charge of discrimination, or participated in an employment discrimination investigation or lawsuit.&#8221;</p><p>Basically, they are the watchdog group that insures workers across the nation will have equal chance for employment and job security.</p><p>In 2009, the EEOC logged the second highest amount of work environment discrimnation charges in their organization&#8217;s history. There were approximately 93,277 claims of EEOC compliance filed by workers. These cases had been examined and made their way by means of the judicial system resulting in over 3 hundred million dollars in retribution for victims of workplace discrimination.</p><p>All of this points to the reality that although there were big strides towards **EEOC compliance**, there&#8217;s still work to be completed. It is not enough for employers to merely say they don&#8217;t discriminate. They should comply with the regulations or face disciplinary action.</p><p>In terms of certain charges, age-based discrimination complaints had been the second highest. The private sector workplace was also a hotbed for EEOC Compliance charges having a record quantity of complaints dealing with discrimnation based on disablity, religion or national origins. Still, probably the most sited complaint was based on race totaling 36% of the charges filed. Sex-based discrimination entered with 30% of the amount of charges filed.</p><p>Searching at this data, the EEOC websites a number of reasons for the improve in the number of filings. For one factor, it&#8217;s much simpler for victims of discrimination to file a claim via the EEOC compliance website. Also, the EEOC has streamlined the filing procedure allowing workers to obtain to central nature of their complaint with out lots of bueracratic redtape.</p><p>Does all of this mean the American work environment is rife with discrimination? Not at all. Thanks to the efforts of EEOC compliance, employers and employees are cooperating to foster a positive and productive workplace environment. There will usually be issues to deal with and the employers who do not get the message must be put on notice that the EEOC is standing by, ready to safeguard the worker.x</p><p>On the flip side of the coin, it can be an extended and tedious method for businesses to actively cope with EEOC compliance forms and filings, and numerous details can often be overlooked until it really is too late. To fill this niche and assist companies maintain up with their paperwork, you&#8217;ll find an increasing number of EEOC compliance software program solutions that help businesses track and file the essential information while they take in job applicants and make hires.</p> ]]></content:encoded> <wfw:commentRss>http://www.donphin.com/eeoc-compliance-eeoc-litigation-increase/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>EEOC Comlpiance -Quicken Loans defending a policy</title><link>http://www.donphin.com/eeoc-complianc/</link> <comments>http://www.donphin.com/eeoc-complianc/#comments</comments> <pubDate>Sun, 27 Mar 2011 01:07:06 +0000</pubDate> <dc:creator>donphin-admin</dc:creator> <category><![CDATA[EEOC Compliance]]></category> <guid
isPermaLink="false">http://www.donphin.com/?p=2194</guid> <description><![CDATA[A courtroom victory by Quicken Loans Inc. defending a policy to notloan officers is but another angle inside a national debate of loan officer payment.The 2004 case continues to be watched close&#8211;ly in the industry, especially because it arrives in &#8230; <a
href="http://www.donphin.com/eeoc-complianc/"></a>]]></description> <content:encoded><![CDATA[<div><em>A courtroom victory by Quicken Loans Inc. defending a policy </em>to notloan<em> officers is </em>but<em> </em>another<em> </em>angle<em> </em>inside a<em> </em>national<em> </em>debate<em> of </em>loan<em> officer </em>payment<em>.</em><em>The 2004 case<em> </em>continues to be<em> watched close&#8211;ly </em>in the<em> </em>industry<em>, </em>especially<em> </em>because<em> it </em>arrives<em> </em>in the<em> nexus of two other </em>events<em>: A U.S. </em>Department<em> of Labor </em>opinion<em> from last </em>year<em> confirming overtime </em>specifications<em> for </em>loan<em> officers </em>as well as an<em> </em>upcoming<em> Federal Reserve<br
/> Board </em>deadline<em> to </em>alter<em> the compensation </em>structure<em> for </em>mortgage</em><em></p><div><em>Inc.</em></div><div><em>While<em> he </em>stated<em> he was </em>happy<em> </em>to witness<em> Quicken&#8217;s victory, it </em>won&#8217;t<em> </em>alter<em> Ross&#8217; policy just </em>yet</em></div><p></em><em></p><div><em>.</em></div><div><em>&#8220;We&#8217;ll be waiting for some consensus on this as it goes ahead<em>, and we&#8217;ll be watching the appeal </em>carefully<em>,&#8221; </em>said</em></div><p></em><em></p><div><em>Ross.</em></div><div><em>Lawsuits, rulings and fights</em></div><p></em><em>Battle<em> lines </em>were<em> drawn </em>for<em> </em>mortgage<em> officer compensation </em>following<em> the </em>Division<em> of Labor issued an </em>opinion<em> in March 2010 </em>proclaiming that<em> officers </em>ought to<em> be </em>paid</p><div><em>overtime.</em></div><div><em>The Washington, D.C.-based Mortgage Loan<em> Bankers Association then filed a lawsuit </em>against<em> the </em>department<em> and Secretary of Labor Hilda Solis on Jan. </em>twelve<em> in U.S. District Court in Washington, asking </em>to possess<em> the </em>opinion<em> over-turned. The </em>case</em></div><p></em><em></p><div><em>is pending.</em></div><div><em>Further<em> complicating the </em>matter<em> </em>is the<em> Minneapolis-based </em>law firm<em> that took Quicken to court </em>around the<em> overtime </em>problem<em>: Nichols Kaster Attorneys at Law, which has </em>produced<em> a </em>name<em> for </em>by itself<em> </em>around the<em> </em>topic<em>. The firm has 65 pending overtime </em>instances<em> </em>listed<em> </em>on the<em> </em>website<em> it </em>produced<em> </em>for that<em> </em>niche</em></div><p></em><em></p><div><em>: www.overtimecases.com.</em></div><div><em>Don Nichols, a companion<em> with Nichols Kaster, </em>said<em> the Quicken </em>situation<em> was a </em>reduction<em> </em>based on<em> rulings </em>produced<em> early </em>within the<em> trial </em>as well<em> as </em>tactics<em> by defense </em>lawyers<em> to cast his </em>customers</em></div><p></em><em></p><div><em>as greedy.</em></div><div><em>He said<em> he expects to win on appeal and has no </em>ideas<em> to pull </em>back<em> </em>on the<em> other </em>instances</em></div><p></em><em></p><div><em>pending.</em></div><div><em>&#8220;This is absolutely<em> a winnable </em>case<em>,&#8221; he </em>said</em></div><p></em><em></p><div><em>.</em></div><div><em>In the<em> </em>previous<em> </em>6<em> months, Nichols Kaster has </em>filed<em> overtime </em>instances<em> </em>in opposition to<em> Troy-based Flagstar Bancorp Inc., Cincinnati-based Fifth </em>3rd<em> </em>Bank<em>, Green Bay-based </em>Associated<em> Banc-Corp, Minneapolis-based Cascade </em>Mortgage<em> Inc., Murray, Utah-based Republic </em>Mortgage loan<em> </em>Home<em> Loans and Franklin, Tenn.-based Franklin American </em>Mortgage</em></div><p></em><em></p><div><em>Co.</em></div><div><em>Main<em> </em>responsibilities</em></div><p></em><em></p><div><em> </em></div><div><em>In the<em> heart </em>of the<em> </em>problem<em> </em>will be the<em> </em>primary<em> duty </em>of a<em> </em>loan</em></div><p></em><em></p><div><em>officer.</em></div><div><em>Labor laws indicate<em> that an </em>employee<em> </em>with a<em> </em>primary<em> duty of </em>financial<em> </em>analysis<em> </em>is not<em> owed overtime. </em>In the event the<em> </em>work<em> is </em>primarily<em> </em>sales</em></div><p></em><em></p><div><em>, then overtime is owed.</em></div><div><em>In 2006, the Department<em> of Labor issued an </em>viewpoint<em> stating </em>loan<em> officers </em>are not<em> owed overtime. But that </em>choice<em> was reversed </em>final</em></div><p></em><em></p><div><em>March.</em></div><div><em>Businesses<em> relied </em>on the<em> 2006 </em>choice<em> </em>for his or her<em> policies </em>and therefore are<em> now </em>topic<em> to lawsuits and could </em>face<em> </em>pricey<em> </em>modifications<em> and legal </em>expenses<em>, </em>said<em> </em>Master of business administration<em> president and </em>CEO<em> John Courson </em>inside a<em> press release announcing its lawsuit.<br
/> &#8220;This abrupt reversal </em>by the<em> </em>department<em> </em>not just<em> opens </em>lenders<em> </em>up to<em> lawsuits for </em>past<em> </em>actions<em>, </em>but also<em> could </em>need<em> them </em>to create<em> </em>costly<em> </em>modifications<em> to their </em>inner<em> </em>operations<em> and compensation </em>framework<em>, </em>costs<em> </em>that will<em> </em>eventually<em> be borne </em>by the<em> </em>customer<em>,&#8221; Courson </em>stated</em></div><p></em><em></p><div><em>.</em></div><div><em>An viewpoint<em> </em>through the<em> </em>Division<em> of Labor </em>does not<em> </em>imply<em> a court </em>needs to<em> </em>aspect<em> that way, </em>stated</em></div><p></em><em></p><div><em>Sue Ellen Eisenberg, president and principal of Sue Ellen Eisenberg &amp; Associates PC.</em></div><div><em>&#8220;It&#8217;s like with the<em> Equal Employment Opportunity Commission, it is an administrative </em>opinion<em> that is entitled to deference,&#8221; she </em>stated<em>. &#8220;So it </em>does not<em> </em>imply<em> the courts have to rubber-stamp </em>instances</em></div><p></em><em></p><div><em>.&#8221;</em></div><div><em>The change<em> in </em>viewpoint<em> is largely </em>based on<em> seeing </em>loan<em> officers as </em>much more<em> like analysts, but </em>in the<em> earlier interpretation </em>it had been<em> assumed that their </em>work<em> as </em>monetary<em> </em>analysis<em> satisfied the exemption when they </em>were<em> working with </em>clients</em></div><p></em><em></p><div><em>.</em></div><div><em>&#8220;Now it&#8217;s interpreted that they need<em> </em>to become<em> working </em>around the<em> </em>financial<em> </em>analysis<em> </em>of the<em> company,&#8221; </em>said</em></div><p></em><em></p><div><em>Eisenberg.</em></div><div><em>Between the government viewpoint<em> and the Quicken </em>case<em>, nearly all </em>mortgage<em> officers are </em>compensated<em> some form of overtime, Ross </em>stated</em></div><p></em><em></p><div><em>.</em></div><div><em>Even Quicken Loans, which has<em> </em>spent<em> seven years defending a policy of not paying overtime, changed its policy in 2010. </em></em></div><p></em><em> </p><p></em></p><div><em><br
/> </em>Mortgage<em> officers at John Adams </em>Mortgage loan<em> Co. are </em>compensated<em> overtime when they </em>require<em> to </em>work<em> </em>more<em> than </em>forty<em> </em>hours<em>, </em>said<em> Stuart Elsea, president of </em>financial<em> services </em>for the<em> </em>mortgage<em> company&#8217;s owner, Southfield-based Real Estate One.</em><em>Ruling won&#8217;t<em> have impact &#8230; </em>but</em><em></p><div><em>officer compensation.</em></div><div><em>She stated<em> that the </em>case<em> may have evoked anger </em>around the<em> part </em>of the<em> jurors, who saw some plaintiffs who </em>produced<em> $300,000 in one </em>year<em> and </em>had been<em> asking for </em>much more</em></div><p></em><em></p><div><em>money.</em></div><div><em>&#8220;They might have already been<em> angry by how </em>a lot<em> these people </em>were<em> making,&#8221; she </em>stated<em>. &#8220;Then looking for overtime on top of that.&#8221;<br
/> </em><br
/> Given that<em> emotions may </em>have already been<em> at play, Nemeth </em>said<em> it </em>will be<em> </em>intriguing<em> </em>to see<em> how an appellate court rules </em>around the<em> </em>matter</em></div><p></em><em></p><div><em>.</em></div><div><em>She said<em> </em>mortgage<em> </em>companies<em> </em>seeking to<em> </em>take into account the<em> conservative route </em>will most likely<em> continue to </em>pay<em> overtime and be mindful of employees&#8217; </em>job</em></div><p></em><em></p><div><em>descriptions.</em></div><div><em>&#8220;Look in the<em> </em>job<em> description, the written description,&#8221; she </em>stated<em>. &#8220;Is that what the person actually does? The courts, the </em>Division<em> of Labor, they look </em>past<em> those descriptions to what the </em>responsibilities<em> </em>actually are<em>. How are they trained? How </em>is he or she<em> evaluated? </em>In the<em> </em>industry<em>, those things </em>require<em> </em>to become</em></div><p></em><em></p><div><em>looked at carefully.&#8221;</em></div><div><em>More<em> </em>changes</em></div><p></em><em></p><div><em>coming</em></div><div><em>On April 1, but<em> </em>an additional<em> </em>loan<em> officer </em>change<em> </em>is set</em></div><p></em><em></p><div><em>to take effect.</em></div><div><em>The Federal Reserve Board issued a rule on loan<em> originators, </em>declaring<em> </em>that the<em> commissions </em>paid<em> to </em>mortgage<em> originators </em>are unable to<em> </em>change<em> </em>according to<em> the interest rate or </em>framework<em> </em>of the<em> </em>loan</em></div><p></em><em></p><div><em>.</em></div><div><em>Many loan<em> originators </em>had been<em> </em>criticized<em> for pushing mortgages with terms unfavorable to consumers </em>simply because<em> the higher commissions </em>produced<em> the products more </em>lucrative</em></div><p></em><em></p><div><em>.</em></div><div><em>Dan Milstein, CEO of Ann Arbor-based Goldstar Mortgage loan<em> </em>Financial<em> Group, </em>stated<em> the new regulations are </em>hard<em> to implement </em>inside a<em> way that is fair to the </em>loan<em> officers and does nothing </em>more<em> than make it harder to run a </em>company</em></div><p></em><em></p><div><em>.</em></div><div><em>He added, however, that there have already been<em> a lot of positive regulations put in place </em>around the<em> </em>business<em> recently </em>as well</em></div><p></em><em></p><div><em>.</em></div><div><em>&#8220;Consumer awareness, shopping for rates, and the licensing laws that ensure you have good credit and no criminal record are good things,&#8221; he said</em></div><p></em><em></p><div><em>.</em></div><div><em>&#8220;But the bad people are out of the<em> </em>company<em> now. The people who can&#8217;t sell a glass of water </em>in the<em> desert are out </em>with the<em> </em>company</em></div><p></em><em></p><div><em>.&#8221;</em></div><div><em>A lesson to be</em></div><p></em><em></p><div><em>careful</em></div><div><em>All the modifications<em> boil down to </em>smart<em> </em>businesses<em> </em>becoming<em> careful, Ross </em>said</em></div><p></em><em></p><div><em>.</em></div><div><em>Tracking<em> </em>employee<em> </em>hrs<em> </em>is a<em> must, he </em>stated<em>, </em>according to<em> the Quicken </em>situation<em> and the </em>Division</em></div><p></em><em></p><div><em>of Labor regulations.</em></div><div><em>&#8220;If a suit is brought and a company can&#8217;t prove that employees<em> </em>didn&#8217;t<em> </em>function<em> overtime, they will </em>aspect<em> </em>using the<em> </em>workers<em>,&#8221; he </em>said</em></div><p></em><em></p><div><em>. &#8220;It&#8217;s fairly inflexible.&#8221;</em></div><div><em>Employers ought to<em> see a lesson in </em>being<em> active with compliance, </em>stated<em> Eisenberg, who </em>helped<em> write laws on sexual harassment during her time </em>at the</em></div><p></em><em></p><div><em><strong>EEOC</strong>.</em></div><div><em>&#8220;<strong>Compliance</strong>, like prevention, is more<em> cost advantageous than the cure,&#8221; she </em>said<em>. &#8220;</em>You need<em> </em>to become<em> proactive and not wait </em>for the</em></div><p></em><em></p><div><em>shoe to drop.&#8221;</em></div><div><em>Daniel Duggan: (313) 446-0414</em></div><p></em><em>For more great articles please visit us <a
href="http://hrthatworksblog.com/" target="_blank">here</a>.</p><p><a
href="http://links2rss.com/feed/76774035.xml" target="_blank">Emotionally Effective Work Place</a></p><p></em></p><p>&#8220;The way we<em> do it, it&#8217;s not </em>much<em> </em>of a<em> </em>problem<em>,&#8221; he </em>stated<em>. &#8220;It </em>does not<em> cost us a lot, and it&#8217;s a little </em>more</p><div><em>bookkeeping.&#8221;</em></div><p>The Detroit-based mortgage<em> com-pany prevailed </em>following<em> </em>it had been<em> sued by 350 </em>former<em> </em>workers<em> who </em>said<em> they </em>ought to<em> </em>have been<em> </em>compensated<em> overtime </em>after<em> </em>becoming<em> </em>pressured<em> to </em>function<em> </em>more<em> than </em>40<em> </em>hours</p><div><em>per week.</em></div></div><div><em> </em></div><div><em>Patricia Nemeth, founder of the<em> Detroit-based labor and employment law firm Nemeth Burwell PC, </em>stated<em> the Quicken ruling </em>isn&#8217;t<em> likely to impact decision-making on </em>mortgage</em></div></div><div><em>officers.</em></div><div><em>&#8220;Coast to coast, if there&#8217;s<em> a </em>lender<em> that </em>didn&#8217;t<em> </em>pay<em> overtime </em>in the<em> </em>pastyrs<em>, </em>they&#8217;re<em> incorporating some </em>type<em> of time-tracking policy,&#8221; </em>stated<em> Tim Ross, </em>chief executive<em> of Royal Oak-based Ross </em>Mortgage</em></div> ]]></content:encoded> <wfw:commentRss>http://www.donphin.com/eeoc-complianc/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel> </rss>