7 Reasons Why Small Businesses Should Have Group Health Insurance

1) Group health insurance is cheaper

As compared to individual health insurance, group health insurance is more affordable and cost-effective for small businesses. The business owner and the employees could share for the total cost of the insurance. Moreover, buying group health insurance costs cheaper than individual health insurance because it covers more beneficiaries and provides more advantages.

2) It provides protection for the employees and the employer

Group medical insurance for employees makes sure that the business owner and the employees are all insured and covered for any injury, disability, or illness they may acquire at work. This provides huge support to every member of the team, so that their duties, income, and entire business will not be severely affected by any health issue.

3) It will cover for minor illnesses

Unlike some health insurances, group health insurance will cover expenses for minor illnesses such as dental health problems, fever, EENT issues, and more. Moreover, outpatient consultations, medicines, room fees, and doctor fees are also covered by certain policies, which can provide security to the savings of the business owner as well as the employees.

4) It is easy and simple to claim

With individual health insurance, the employee in need will be the one to claim and accomplish all the required processes and documents needed by the insurance company. On the other hand, group health insurance is much easier and simpler to claim because the employee can directly submit their claim to their employer and the employer will be the one to directly talk to the insurance provider. This process allows for easy and simple claiming of insurance coverage and benefits for all employees as well as the business owner.

5) It provides tax savings

A small business employer group health insurance can save on tax deductions. As long as the employees work for the business, they will be covered by the group health insurance and they will be able to save a portion of their salary due to tax savings. Not only can group health insurance protect the health of the business owner and the employees but it can also help them save more from their salaries.

6) it can support the employee’s family

The policy of group health insurance can include a provision to extend the insurance to the employee’s family. This depends on the decision of the management and the stipulated benefits of the employees based on their contract. When the group health insurance has a provision to cover the employee’s family, the employee will not worry if ever their family member gets sick. Depending on the terms and conditions of the policy, the insurance can cover the employee’s spouse and dependents. The benefits of this are sickness claims, consultations, medicines, shifting charges, day care, maternity leave, and more.

7) It encourages and provides satisfaction and support to employees

Last but not the least, group health insurance encourages the employees to perform better and provides them the support and satisfaction that they deserve. Small businesses that have group health insurance communicate to their people that they are valuable assets and are cared for by the management. This significantly boosts the morale of employees as well as the business owner, providing them satisfaction and support from work.

6 Beautiful Designer Handbags at a Greater Price

Designer handbags are taking over the fashion market for women. When shopping for handbags, make sure you get the best one that is suited for your purpose. Women always look for classy handbags matching with their outfits. Here is a list of top handbags that will make you an elegant woman.

1. black fringe

This handbag comes with a unique style. Its made with pure leather, the interior, and exterior. The black fringes on its outer design make it a choice for many ladies who are interested in fashion. It has a signature triangle carabiner that is very attractive from the look. With this handbag, you get several carrying options. When convenient, you can turn the toast handbag into a hand clutch bag.
It can as well serve as a belt bag that makes it easier when you are walking around. The two interior compartments allow you to carry all your beauty stuff or personal items such as the phone. It has a lock that closes by a single press making your items secure. You will also get a dust bag when you purchase the toast black fringe. The price is affordable to all interested customers and those who value fashion.

2. Bostanten women’s handbags

These designer handbags are made of hide leather, meaning that the quality and durability of the bag is guaranteed. The locks are metallic with some magnetic flap technology assuring you of security. The interior has a fabric lining increasing your elegance. It comes with removable inner pouches. They offer two strap options. You can use a woven or a leather strap, the one that is comfortable for your shoulder. The bag is large enough and is perfect for your shopping or traveling, at a reasonable price.

3. Dasein Designer Handbags

The Dasein bags come with pure vegan leather with a crossing texture that makes it very fashionable. The top closures of these bags can be expanded using magnetic snaps at the top to make them comfortable. It comes in two-tone colors, which is a choice of many ladies. With a belt padlock, it adds to the nice look. The bottom is reinforced with studs to make it stand by itself. It’s a good fashion tote handbag and a choice of many ladies.

4. Heshe Women Handbags

If you’re a fashion enthusiast, then this bag is a must-have. Made of pure leather, you can choose the color that is beautiful to your eyes. Zippered closure and adjustable and removable shoulder strap make it very convenient to use. It comes with inner pockets where you can put your cellphone and other items such as cosmetics. With a right choice affordable, they can match your outfit elegantly.

5. MMK Women’s Designer Handbags

The bag is designed using pure buffalo leather with zips on its closures. The strap is long and adjustable to fit your shoulder. You can shop your favorite color or the best tone combination that adds to your elegance. These bags are affordable and are a top choice for fashion ladies and women’s gifts.

6. Geometric Designer handbags

It’s a unique handbag coming in normal purple color. This bag is gorgeous. It is reflective, which means when light shines on the leather, the color changes. This makes it very eye-catching. They can fit all your designer dresses, making it an excellent choice when going for dates or parties. Fashion enthusiasts highly embrace this bag.

Fastest growing developing countries

According to the World Bank forecast, the global economy is expected to grow at the fastest rates since the global financial crises over the next few years. Most of the growth will be spurred by developing countries which are expected to grow at almost double the average global average rates. However, despite the fast growth some of the countries continue to face challenges such as widespread corruption, very high-income inequality rates as well as low levels of per capita GDP due to high populations.


Ethiopia is the second populous country in Africa after Nigeria. The country has been experiencing tremendous growth of between 8% and 11% over the last decade despite times of political instability. The growth has been spurred by significant government investment in infrastructures such as roads and rail networks. The agricultural and service sectors have also been making significant progress that has greatly contributed to lowering inflation. Though the majority of the population relies on agriculture for substance, the service sector has emerged as the main source of GDP. The service sector earns the country vital revenue particularly through Ethiopian Airlines, as well as the export of commodities such as coffee gold, sesame, and khat. Further, the government holds immense control over all the major sectors such as road, rail and transport and owns all land. The economy is expected to continue growing drastically as a result of enhanced business environment.


Rwanda is another African developing countries that have made major progress in economic advancement, growing by about 7% annually. The growth has been attributed to successful economic development and poverty eradication programs. The country heavily depends on agriculture which accounts for approximately 63% of export earnings, with coffee and tea accounting for some of the major sources of foreign exchange. Tourism has also been a key foreign exchange earner to Rwanda. The sporadic development is expected to continue despite challenges in transportation, and the instability of neighboring countries, such as the Democratic Republic of Congo and Burundi.


Bangladesh’s economy has been among the most resilient of the developing nations. The country has experienced prolonged periods of political instability, corruption, unreliable power supplies as well as poor infrastructure. The government has also been very slow towards implementing economic reforms. About 50% of the Bangladeshi population relies on agriculture for subsistence while the service sector generates approximately more than 50% of the GDP. The garment sector is the main earner of foreign exchange accounting for approximately 80% of the exports. The economy is also expected to continue thriving over the next few years.

Cote d’Ivoire

Cote d’Ivoire also widely referred to as the Ivory Coast is a West African country that is also highly dependent on agricultural activities. It is the world’s leading exporter of cocoa and also a major exporter of palm oil and coffee. The economy has been growing at about 7% over the last few years and is expected to continue grow fast though fluctuations in the prices of the agricultural commodities significantly affect the economy

5 Instances Where You May Need A Disability Lawyer

Accidents happen in our lives. They are a common by-product of being alive. The same applies to health problems. However, sometimes, such incidents can make one unable to continue to work for some time or the rest of their life. Therefore, they require some form of financial aid to support themselves, and maybe even pay the medical bills. As such, you may (like many) decide to apply for a disability claim and to cut down the cost skip hiring an experienced lawyer. However, there are five instances in life where you may need to hire one:

  1. When you consider filing for disability
    A common man does not know the legal language that is used by social security administration (SSA). Therefore, they don’t know about all the processes involved in filing a disability claim. The lack of knowledge can affect the chances of your case winning in court. That is why you should hire a disability lawyer before filing the claim. Moreover, an experienced lawyer will give advice and counsel on how to make the case to ensure you get the claim you applied for while helping with gathering medical evidence required for the application.
  2. When you file the claim
    Filing for a disability claim requires you to fill up to 40 pages of paperwork on your medical condition, work history, education, limitations, and capabilities. Even for a healthy person, it is a daunting task to collect all this information and fill them in; much less for someone who is sick. Even with help from friends and family, the process can be difficult without someone (a professional) who knows the ins and outs of a disability claim.
  3. When your claim is rejected
    If you haven’t hired a disability lawyers till this stage, then now is definitely the time that you do. Once a claim is rejected, one has to wait for a while year before they can apply again. Moreover, you can appeal against the decision the SSA came to for a reconsideration. During which, it is
    beneficial to have a lawyer by your side because your case will require hearing and testimonials from doctors, etc. An experienced disability lawyer can help with the process, and ensure that you will have a strong case that can win in court.
  4. When your case goes to the court
    Once your claim reaches the appeal stage after the rejection of the initial application, the case goes to court. It is now imperative, more than ever, to hire an experienced disability lawyer. For they possess the knowledge to make a case and argument during the hearing to ensure that turn the tables on the case. Moreover, with years of experience and networking, they will know how a certain judge like the case presented in the court and cake prepare the same accordingly.
  5. When your financial condition is dire
    Most people who apply for disability claims do so because of their financial situations. As such, the delays in the process of filing and receiving the claim can have dire consequences. Therefore, persons who have monetary emergencies and require a fastrack hearing should consider getting a disability lawyer, as they can help to achieve the same in most cases.

We see so many instances where people who should be filing for a disability lawsuit forego it because they aren’t sure if their case would win in court, in that case it’s best to actually sit down and talk with an expert as most legal consul is provided free of charge nowadays due to the competitive landscape of lawyers.

Top 5 New Popular Fintech Trends in 2019

Throughout the first years of the 21st century, we have seen growth in the financial sector in the form of automated services, financial literacy, and innovative methods. But the financial revolution is just beginning. In this article, we gathered some of the most popular fintech trends taking over the world in 2019.

  1. AI focused Predictive Banking
    One of the most impressive innovation trends in 2019 will be the advanced shift to predictive banking. For the first time, the financial sector can connect all internal and external information and build predictive profiles of clients and consumers in real time. With rich, accessible and financially useful customer data, financial companies will not only know their clients but also advice on the future.

This amplified use of data will improve the clients’ experience while enhancing safety and productivity.

  1. Biometric Technologies
    Although the digital age has a lot of advantages, the disadvantages are always there. Financial institutions have been challenged by cyber hacks and security as well. The financial sector is critical thus security is a very prime concern for fintech.

Biometric technology has, since, been utilized to restrain fraud. Also, the use of biometrics for faster verification has come as a relief to consumers. You don’t need to memorize passwords or worry that you don’t remember them.

Various banks have begun investing in biometrics-based verification that utilizes smartphone cameras to scan the iris and the smartphone’s inbuilt fingerprint scanners.

The fear of fraud has been considerably decreased as all fingerprints are different; thus no one can steal from you.

  1. Blockchain technology:

One of the most exceptional and helpful fintech innovations is without doubt blockchain technology. Blockchain reduces paperwork by using a digital ledger that is distributed among several users and ensures that no single user has full access to data. Once a record has entered the digital leger it is virtually impossible to modify it.

Since blockchain is decentralized, it ensures liability through permanent audit trails, increases performance by getting rid of the middle-man and also ensures that sales and settlement processes in financial institutions take only a few seconds.

Through the blockchain, the verification a persons identity who wants a loan or wants to invest will be easy. In a few years, almost all the major banks will utilize blockchain technology to reduce cost and also reduce transaction time.

  1. Automation
    Automation may scare, but banks have already been using it to increase efficiency for a couple of years.

By increasing the use of automation technologies, banks and fintech payment processing systems will increase performance and reduce human error. This means that customers will spend less time and have experience improved efficiency in the banking systems.

  1. Cloud computing

Cloud computing allows banks to swiftly develop new applications, add new services and improve the consumer experience. Mobile banking would be impossible without the cloud. Even Artificial intelligence which is becoming very important to banking institutions is usually cloud-based.

More and more banks in 2019 will use cloud-based platforms to increase efficiency and speed to deliver products to their clients in an improved way.

Companies that have revolutionized the concept of online business

here is no end to the fast-paced innovations in the world of scientific and information technology. It seems like a constant race that will end only when the world ends. Businesses have been there since the beginning of time but only a few have managed to become the most successful ones. The list is pretty long but here we are going to mention a few, which have been built on most unique concepts and ideas, making them the most revolutionized businesses ever.

1. Amazon.com

Everyone knows Amazon.com now, it was created in 1994. Jeff Bezos founded Amazon.com, with an intention to make it an online book store, putting an end to the conventional methods of reading books. 

Yes, Amazon.com used to sell only books and now you can find everything you want to buy. It is now the biggest online global market and people from around the world sell and purchase there. 

2. Vistaprint.com

This company brought tremendous transformation in the world of digital marketing. Vistaprint was the first of its kind to offer small businesses advanced marketing solutions through the internet in 1999.

It not only provides digital marketing products but also physical marketing products. Their website is beautiful and very convenient to get your orders done. You can get business cards, brochures, flyers, calenders, shirt and what not, printed in the best quality. 

3. Squarespace.com

Anthony Casalena made squarespace.com with an intention to provide all the web/internet related facilities under one roof. Although he was lucky to have inherited $30,000 from his father to start –up this business, his brains made him stand out in the crowd of entrepreneurs of his time. 

Squarespace.com provides services like website building, web hosting, content management, blogging, domain registration and much more. 

4. Ethereum

After Bitcoin revolution, there is another mighty revolution in the world of blockchain and that is Etheruem. It is from the world of tomorrow as many such businesses are still not even invented and therefore it is called a revolution. Ethereum is fueled by ‘ether’ which is its basic and most necessary unit for operating the decentralized platform that runs smart contracts. 

It is a development platform of a Swiss non-profit organization, Ethereum Foundation, and with the contribution of great and smart minds across the world is is bound to do great things. To list a few here are some ways Ethereum is used: 

· Design and issue your own cryptocurrency.

· Kick-start a project with trustless crowd sale.

· Create democratic autonomous organization.

· Build a new kind of decentralized application.

5. Facebook.com

The Idea of Mark Zuckerburg and his partner students at Harvard College became a hype in no time. The concept was unique and the idea had the power to take over the world and it did! 

Facebook is one of the most profitable companies in the world and with continued efforts, they have made it stand stronger since it was created. Today, everyone prefers Facebook over any other social media channel and everyone is in love with what Facebook offers.

Learning about the concepts and ideas behind the companies listed above, it can be concluded that the world never stops and the best idea wins. The art is not only in thinking and knowing that you have a great idea in mind, what really matters is in fact how much effort you are putting in your idea to make it real and be part of the race.