‘We have a ton of bright spots’: The CEO of America’s largest insurer says employers are innovating to help keep their staff healthy – Business Breaking News
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‘We have a ton of bright spots’: The CEO of America’s largest insurer says employers are innovating to help keep their staff healthy
Employers pay for the healthcare of more than half of the non-elderly population in the US, and as healthcare costs go up, it’s putting them in a tough spot. But having employers involved in healthcare isn’t the worst thing, Cigna CEO David Cordani told Business Insider. “An employer actually has a vested interest in helping to keep their employees healthy, and productive, and present from a work standpoint,” he said. America’s healthcare system has a lot of quirks. One of its biggest: its reliance on employers to cover health insurance as a benefit. More than half of the non-elderly population is covered by an employer-sponsored plan, and almost 80% of large companies are self-insured . Employers have a long history of covering healthcare for their employees dating back to World War II, as a way to convince people to work for factories that were ramping up production during the war economy. But as healthcare costs have gone up, employers are the ones feeling the pressure. And some are starting to get fed up, prompting some of America’s biggest companies including Berkshire Hathaway, Amazon, and JPMorgan to start to do something about it. It’s even led some to question the role employers play in healthcare altogether. Cigna, one of the largest health insurers in the US, works with employers to provide health plans for their employees. In a recent interview, Business Insider’s Sara Silverstein asked Cigna CEO David Cordani if it still makes sense for healthcare to be tied to employers…. [Read full story]
Analyst raises concerns about Under Armour's international growth — a bright spot for the struggling brand
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He then called to curtail the “easy accessibility of weapons of war” for certain people who should not have them.
“If we truly care about this — if we’re going to offer up our thoughts and prayers again, for God knows how many times, with a truly clean conscience — then we have to do something about the easy accessibility of weapons of war on our streets to people who have no business wielding them,” Obama continued. “Period. Enough is enough.”
On Friday, a gunman killed three people, including a police officer, at a Planned Parenthood office in Colorado Springs. Another nine people were injured, according to authorities.
Jessica Alba's Honest Company is finally removing a controversial ingredient from its products | Business Insider
The Honest Company is finally removing a controversial ingredient from its laundry detergents after initially saying it didn’t plan to do so.
According to a new story out from the Wall Street Journal’s Serena Ng, Honest Company — Jessica Alba’s $1.7 billion household products company — is planning to introduce a new detergent in 2017 that’s free of an ingredient called sodium coco sulfate. The ingredient is said to contain a large amount of sodium lauryl sulfate, a cleaning agent that Honest Company has said in the past it doesn’t use at all.
The fact that Honest Company was using the ingredient first came to light in March, when the Journal reported that lab tests found SLS in the detergents. The news was problematic for Honest Company, in that it thereby defies the central pitch of the company: that it sells “honestly safe, effective essentials for family and home.”
Alba’s company came under fire last summer, too, when people claimed that its sunscreen didn’t work.
Honest Company’s issues arise at a tense time for the startup, which filed to go public earlier this year. This month, Recode reported that the company was planning to sell itself to Proctor & Gamble or Unilever. Now, the Journal reports that Clorox and Johnson & Johnson might be interested in buying the company as well.
Janet Yellen's favourite measure of confidence in the jobs market is at a post-recession high | Business Insider
The share of employees quitting their jobs compared to total separations is back at post-recession highs.
The Bureau of Labour Statistics on Wednesday released its Job Openings and Labour Turnover for August.
One reason economists pay attention to this report is that it contains the quits rate, which Federal Reserve Chair Janet Yellen endorsed as a preferred metric.
Quits, or voluntary resignations, fall under the bigger umbrella of separations which also includes layoffs and discharges.
In August, the quits rate — the number of quits divided by the number of employees who worked or were paid for work — was 2.1%. And, the share of total quits in relation to separations — voluntary or not — jumped to 60.2%, matching the post-recession high reached in December.
A higher quits rate sends a positive message about the labour market because people are more likely to quit their jobs if they feel confident about finding a new one quickly, or if they already have another offer. It could also suggest that workers are leaving their jobs for better-paying ones, and so be a predictor of wage growth and inflation.
Jed Kolko, the chief economist at job-search portal Indeed, shared a chart illustrating the metric on Twitter.
The JOLTS report showed that job openings fell to 5.4 million. Economists had not expected a drop that big, but it was an expected pullback that followed a surge to record highs in recent months.
An ex-Googler says flying cars are 'completely crazy' -- and they're 3 years away from becoming the next hot thing | Business Insider
An ex-Googler says flying cars are 'completely crazy' -- and they're 3 years away from becoming the next hot thing
Flying cars are poised to replace self-driving cars as the hot thing in the next three years according to ex-Googler and Kitty Hawk founder Sebastian Thrun.
During his appearance at the TechCrunch Disrupt conference in San Francisco on Tuesday, Thrun, who is sometimes referred to as the godfather of the self-driving car, explained why he believes personal air travel will become an everyday occurrence in the near future.
“The air is so free of stuff and unused compared to the ground,” said Thrun, whose bold vision for the future was matched by his decidedly curious sartorial style.
Thrun envisions a world where he can fly the 34 mile journey from Palo Alto to San Francisco in ten minutes, and get home at the end of the day to a bag of drone delivered groceries at his door.
Technologies like AI and deep learning, as well as innovations in delivery drones, have enormous potential, Thrun said, though he acknowledged that most people today view flying cars as the stuff of science fiction.
“The latest thing is going to be flying cars, it’s completely crazy, and no one person in the world believes in it,” Thrun said. No one except for himself and Larry Page, who is a backer of Kitty Hawk.
A prototype of the type of the flying vehicle Thrun was referring to was first showcased in a video on the company’s website in April of this year. The vehicle in the video looks more like a water toy than a flying car, but Cimeron Morrissey, who got the chance to ride the device wrote in a review that the final version will look much different than the prototype.
Kitty Hawk will have its first product ready by February of next year, more flying motorcycle than car, according to Thrun.
“Self driving cars is very hot right now but a few years ago nobody cared about them. Three years from now flying cars will be very hot and they might just disrupt the self driving car,” he said.
He also believes that there isn’t a technical reason flying cars can’t be done soon, and that the real roadblocks are legal and regulatory. Government transportation agencies have only recently begun to grapple with self-driving car regulations, and it’s likely that regulating air space will present even more of a challenge.
Although his company’s vision is to make travelling in the skies the norm, Thrun is still a firm believer in developing self-driving cars — he just thinks we need to keep innovating past them.
Thrun led Google’s self-driving car efforts several years ago, but broke off from the company to pursue his passion for education with his startup Udacity and to focus on other projects like Kitty Hawk.
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"My cleaning company uses Highrise. It's for our service managers and owners. We track all of our email communication with clients, important information, anniversaries and notes about their homes/offices. It also has tasks so I can make sure my managers take care of things. With reminders, we never miss a client anniversary. It's been a great web-based CRM solution. "
"The Poshly team uses Google Apps for Business throughout our organization, including for email solutions. Because we're in Gmail all day, it's easy for us to integrate Gmail-based CRM options, like Streak. Streak is fantastic because it not only has traditional CRM capabilities, like shared contacts and accounts, but it also lets us save text "snippets" that we can use to standardize email replies."
"Being a startup, we loved custom-building everything to our own needs, rather than getting frustrated with standard options. We absolutely love Intuit's product QuickBase that allows a young company to customize fields and sections according to its unique workflow. After seven happy years, we've grown and are now migrating to Salesforce.com, which is better suited for larger organizations. "
"We originally used Zoho, but we switched to Salesforce.com as we grew our sales team. At this point, Salesforce.com has even more features than what we need; this will enable Salesforce.com to scale well as we continue to grow. "
"We are big fans of Infusionsoft. While it's not advertised as a CRM, it does so much more to automate your business and your marketing. As we've grown, it's become more and more valuable. Sometimes, it seems as though it can do just about anything, which leaves endless possibilities for as long as we are technically a small business."
"I'm a fan of ONTRAPORT. The software offers a good 360-degree view of your contacts, along with lead scoring and automatic routing of leads."
"Salesforce.com is an amazing platform that can be customized well beyond its basic features. There are also many plug-ins that can be used for things like marketing and ERP integration. We periodically make changes to the way we use the system, so it can grow as our organization grows."
"We built our own proprietary CRM from scratch over the last five years. The existing products in the market, from Salesforce.com and similar companies, were not specific enough to our particular business. Building it in Ruby on Rails and hosting it in the cloud (Amazon's EC2 stack) has allowed us to easily scale up as our company and team grew."
"When we first started out, we had a small team, and Highrise (37signals) was an excellent way to manage contacts, keep emails attached to accounts and delegate tasks. Now that our organization is bigger and we have more sophisticated campaigns, Salesforce.com really is the way to go. Innovative features, like Chatter, allow for an organization with a global presence to keep everyone in the loop."
Pádraic Ó Griallais of Micíl Distillery. The founders also plan to branch out into gin and whiskey production Picture: Michael Dillon
KinderCare Kids are Better Prepared for Elementary School According to Nationwide Assessment | Business Wire
Ultra4 vs Rock Bouncer Shootout on Chocolate Thunder The 2016 Ultra4 vs Rock Bouncer Shootout took place during the King of the Hammers event in Johnson Valley California. They moved the event from backdoor to Chocolate Thunder for crowd safety and better parking. The weather was brutal with high winds and ice cold night temperatures blowing up […]
Carly Fiorina & Donald Trump Are Both Business-Minded Non-Politicians — So Why's He The Frontrunner While She's At The "Kid's Table"?
Fox News viewers following along at home agreed on one thing Thursday (other than defunding Planned Parenthood): Carly Fiorina easily won the GOP forum. The former Hewlett-Packard CEO remained cool and collected, stayed on-topic when answering questions (looking at you, Sen. Lindsey Graham), and did not bat an eyelash when she explained why she would be so damn good at being president of the United States. Basically, Fiorina was the anti-Donald Trump. So why is he the current GOP frontrunner while she's hanging on by $3 donations?
Just like no one can believe that Trump is a serious contender for U.S. president, it's still doubtful that Fiorina, who also has zero political experience, could be the leader of the free world. But Trump and Fiorina, who share a similar background of business failures, have two very different election-season narratives. While Trump is propped up by the right-wing populists as the straight-talking, veiled racist, anti-Washington guy, Fiorina is constantly told she's incompetent.
Yes, Fiorina has a terrible track record at HP — she laid off 30,000 people and caused the company's stock to plummet — but Trump has hardly been an astute businessman. Trump has filed for corporate bankruptcy four times — he's actually proud of it, having admitted in the past that he uses corporate bankruptcy as a business tool. And contrary to some more ignorant beliefs, Trump didn't even build the Trump Empire from scratch; it was his father who had the real estate company in which Trump got his start. If you're looking for a bootstraps kind of guy, Trump isn't it.
But Trump catches breaks. There is, of course, sexism at play, with women in business more susceptible to what is known in the business world as the "glass cliff": A woman is put in charge of a failing company, is blamed when the company fails, and sees her career permanently deflated. Meanwhile, male CEOs bounce back — and become one of the frontrunners for the U.S. presidency.
That sexism seeps into American perception of men and women who are in charge. Whereas Trump is seen as authoritative despite his tumultuous past, Fiorina is forever labeled an amateur. Even Trump himself mocked Fiorina's presidential run earlier this year, telling reporters in Florida:
Look, you have a woman who got fired from her job. And I mean fired viciously. She got fired viciously. She then went out and lost in a landslide when she ran in California for the Senate. And I mean, she lost in a landslide. She got clobbered. And now she’s running for president. Now, I’m all for it. I think she’s a very nice woman. But she got fired. And, she lost in a landslide. Does that qualify you to run for president?
Fiorina may have been right when she said Thursday that Trump has "tapped into the anger" of Americans. "They’re sick of politics as usual," Fiorina said, explaining Trump's appeal to American voters. "Whatever your issue, your cause, the festering problem you thought would be resolved — the political class has failed you."
But Fiorina, as diplomatic as she was on Thursday, is not playing around. The difference between her and Trump was best exemplified when she was asked specifically about her fellow businessperson in the race. Fiorina responded not with an insult or personal attack, but a truth-bomb dripping equally with snark and class.
“Since he [Trump] has changed his mind on amnesty, healthcare, and abortion, what are the principles by which he will govern?” Fiorina asked.
Let's be honest: As far as winter beauty needs go, our nails tend to get the short end of the stick. We're all so busy moisturizing and trying to figure out how to use bronzer without looking orange, that our weekly mani/pedis tend to go by the wayside from November to March. After all, our fingers and toes are covered in mittens and boots 75 percent of the time anyway, so who cares if they look a little messy? But the one thing we shouldn't be forgetting about (even if we're not keeping up with our polish schedules) is our cuticles. So how can you care for your cuticles in the winter?
For anyone who may not know the anatomical landscape of their nail beds (... that wasn't a big focus in my high school biology class, either), the cuticle is the almost-invisible layer of dead skin cells that covers the bottom part of the nail that acts as a barrier of protection for your skin. It's important to keep it clean and treat it the right way because if you don't, you could be opening the door to nasty nail infections. Yikes.
Now that you know why it's important to pay attention to cuticle care, here are five expert-approved tips for how to do it the right way. And the best part? Proper cuticle treatment will help your holiday mani/pedis last longer, which means you can keep your Rudolph nail art well into the New Year.
Put down those scissors, lady. "The cuticle should never be cut at any time, it is closed skin that you risk opening, leaving the chance of infection because its let’s face it’s …our hands," says says Anita Zappacosta, Executive Director of Robanda. "Care should be taken when there is the ugly hang nail that needs to be trimmed, but trimming the entire cuticle is a no -no." Zappacosta suggests softening the cuticle area and using a gentle push to keep the your nails looking healthy and well-maintained.
Just like the skin on the rest of your body, your cuticles need to be hydrated too — especially in the winter. "The cuticle should be softened with a warm soak, or cuticle cream or oil, and gently pushed back with a cuticle pusher or orange wood stick," says Zappacosta. "OmegaLabs offers a really great and inexpensive solution with their cuticle oil. It works as a moisturizer that keeps cuticles soft to prevent cracking and tears."
The same way we like to layer our clothes in the winter, it's important to layer polish on our nails too. "When polishing the nail, it is always recommended to wear a base coat," says Zappacosta. "OmegaLabs has a great nail hardening base coat that enhances nail growth while keeping the nails strong and is a perfect buffer between the nail plate and the polish." Apply base coat to clean, cut nails and let it dry completely before putting on polish.
After your cuticles are clean and cared for, use hand cream to moisturize your whole hand to combat the general dying effects of the winter air. This one is so cute, you'll want to bring it everywhere you go.
This is standard practice in most manicures, and there's actually a good reason for it. "Since the nail grows from the cuticle out and we don’t polish the cuticle, the nail remains free to breathe," says Zappacosta. If you're giving yourself a DIY mani at home, make sure to leave a little room at the base of the nail so you don't crowd the cuticle. This Chanel shade is perfect for the holiday season and the rest of the dark clothing-centric winter months.