Health reimbursement arrangements (HRAs), which are an integral component of many organizations’ consumer-directed health-care plans (CDHPs), celebrated their 10th anniversary on July 15.

Why do so many talented organizations with clear goals fail to win victories that should have been easily within their grasps? It’s because they’ve been infected with the disease I call “failing elegantly.”

A Travelers Insurance questionnaire posed to small-business owners who recently attended the U.S. Chamber of Commerce Small Business Summit shows that most are at risk in the wake of a potential disaster.

Financial advisors want Mitt Romney to win the 2012 presidential election; yet, a majority expect President Barack Obama to be victorious, according to an SEI Quick Poll released at the end of May. Also, an overwhelming majority believe the November elections will result in a split government instead of a clean sweep by either party.

Nearly every day, someone asks my advice on the best way to promote their business or themselves. I get this question at speaking engagements, the office and, yes, sometimes at home. I don’t mind at all, because I’ve always got a good answer: Write a book.

The Bureau of Labor Statistics reported that the nation’s unemployment rate dropped to just over 8 percent as of April 2012. Though the unemployment rate seems to be on a slow yet steady decline, pay increase budgets are idling.

Financial advisors often miss the opportunity to speak to their clients about the important role life insurance products can play in financial planning, according to a recent survey by Saybrus Partners, Inc.

A LIMRA study of Americans’ buying habits found that nearly 20 percent who shopped for life insurance went through their place of work, and 75 percent of workplace shoppers actually bought life insurance.

What customers value most changes constantly, and the pace of change has increased exponentially with the economic recession. Businesses that become relevant by addressing what their customers really value at any given time will be the first ones out of the recession. One year ago, people were looking for financial stability in companies they were purchasing from because of all of the business closings. Now, on-time delivery outranks that because so many businesses cut back their inventory during the worst of the recession. With demand increasing, customers have more difficulty getting what they want on time.