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Few can forget the epic expletive-rich scene in which Clark Griswold is given a jelly of the month membership in lieu of his expected bonus in the holiday classic National Lampoon's Christmas Vacation. A longstanding tradition among small and large businesses alike, holiday bonuses provide a well-earned gift for valuable employees in appreciation for their hard work and commitment. Employees plan on these bonuses to offset increased holiday expenditures and often include them in their compensation expectations.
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We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
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It's an invisible facet of the aging process, but more critically linked to maintaining health, functionality, and autonomy than perhaps all else: brain health. From infancy to adulthood, the brain is in a constant state of growth, forming more than a million new neural connections every second in the earliest years of life and achieving 90 percent of its adult volume by age 6.
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With unemployment rates reaching all-time lows in many areas throughout the country and positive job projections on the horizon for the foreseeable future, finding employment should be as simple as showing up. And, in some sectors, that may be true: a record number of Americans left their jobs in 2021 and 2022, creating a market flush with openings. But many job markets and industries — those with great compensation, flexibility, and benefits, in particular — have remained highly competitive, and job seekers need to offer strong resumes, cover letters, and interviews to secure these desirable positions.
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Winter is coming, whether we're ready or not. Every year, despite all of fall's colorful warning signs, shorter days, and brisk mornings, the first blanket of white always seems to come as an abrupt surprise, dusting all that summer gear you never made it around to storing with regret. This year, no regrets! You're going to clean up, check, and double-check your way to being properly prepared. And here's how you're going to do it.
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