Why Offering Employer-Sponsored Health Insurance Is Essential

Employer-sponsored health insurance is a critical employee benefit that covers 154 million Americans and represents 6.9% of total employee compensation in the private sector—making it one of the most valuable and expected benefits businesses can offer. Beyond compliance and recruitment, offering health coverage directly impacts employee retention, productivity, and your company’s competitive standing in an increasingly talent-focused market.

As someone who founded Complete Controller and has guided hundreds of small and mid-sized business owners through operational decisions, I’ve witnessed firsthand how offering health insurance transforms workplace culture. When employees know their health is protected, absenteeism drops, morale rises, and retention improves dramatically. Yet many entrepreneurs hesitate—worried about costs, complexity, and the administrative burden. In this guide, I’ll break down exactly why employer-sponsored health insurance matters, what it costs in 2026, how to structure it strategically, and how to communicate it as the competitive advantage it truly is.

What is employer-sponsored health insurance and why should you offer it?

• Employer-sponsored health insurance is a voluntary or required benefit plan where employers contribute to employees’ health coverage premiums, with employees typically covering the remaining portion.
• Offering coverage attracts and retains top talent—it’s now the most common source of health coverage for the nonelderly population, covering 60% of Americans under 65.
• It reduces employee turnover costs and improves productivity by demonstrating your company values employee wellbeing.
• Health insurance serves as a trust signal in recruitment, especially for competitive talent markets where benefits differentiation matters.
• Employers must understand ACA affordability thresholds and compliance requirements to avoid penalties—the 2026 affordability benchmark is 9.96% of household income.

The Rising Cost of Employer-Sponsored Health Insurance in 2026

Health insurance costs are climbing faster than inflation and wage growth, creating real financial pressure for employers. Understanding these costs is the first step toward strategic planning. Employer health benefit costs per employee are projected to rise 6.5% in 2026—the highest increase since 2010. This is the fourth consecutive year of elevated cost growth, following a decade of moderate increases averaging only about 3% annually.

The average cost of employer-sponsored health insurance per employee reached $17,496 in 2025 and is projected to reach $18,500+ in 2026—a 6.7% increase, the steepest rise in 15 years. This surpasses both wage growth (4%) and inflation (2.7%). For context, comprehensive health benefits packages will average $15,000 annually according to Mercer projections.

Premium breakdown: What employers and employees pay

In 2025, annual premiums for employer-sponsored family health coverage reached $26,993—a 6% increase from 2024. For single coverage, premiums averaged $9,325. While workers’ contribution percentages have remained steady at 16% for single and 26% for family coverage, the dollar amounts have increased significantly. Family coverage contributions jumped to an average of $6,850 annually in 2025.

• Single Coverage 2025: $9,325 average (Employer: 84%, Employee: 16%)
• Family Coverage 2025: $26,993 average (Employer: 74%, Employee: 26%)
• Small firms (10-199 workers) face higher deductibles: $2,631 vs. $1,670 at larger firms
• Family premiums at small companies average $26,054 vs. $27,280 at larger companies

Why costs keep rising faster than inflation

Prescription drug spending is the primary driver, increasing 9.4% after rebates for employers with 500+ workers, with specialty drugs rising 8.9%. Medical service utilization has also increased post-pandemic, and insurers are adjusting rates for perceived risk in specific industries and regions.

Small-to-midsize businesses face the sharpest increases. Companies with 50–499 employees are seeing 9%+ year-over-year jumps. The pharmaceutical industry has shifted toward specialty medications that cost thousands per dose, while hospital systems consolidate and gain pricing power in negotiations.

How Employer-Sponsored Health Insurance Strengthens Recruitment and Retention

Offering health coverage directly addresses the #1 reason employees leave jobs: inadequate benefits. In competitive talent markets, this benefit separates industry leaders from also-rans.

The competitive advantage in hiring

Sixty-one percent of firms with 10 or more workers offer health benefits, but this percentage drops dramatically for smaller employers. Among large firms (200+ employees), 97% offer health benefits—these companies don’t compete on coverage; they compete on plan quality.

Employees value health insurance at roughly 6.9% of their total compensation package. That’s significant—nearly equivalent to a $3,450 annual raise for a $50,000 employee. When job seekers compare offers, they’re not just looking at salary; they’re evaluating total financial security.

Impact on retention and absenteeism

Employees with access to health insurance miss fewer workdays and stay longer. This reduces costly turnover—replacing an employee typically costs 50–200% of annual salary when you factor in recruitment, training, and lost productivity. For a $50,000 employee, that’s $25,000–$100,000 in hidden costs per departure.

Health coverage also signals respect for employee dignity. When workers know their families are protected, engagement scores rise and voluntary turnover drops by measurable margins. The psychological security of health coverage creates loyalty that salary increases alone cannot match.

Differentiation for SMB employers

For small and mid-sized businesses competing against larger firms with extensive benefit suites, offering employer-sponsored health insurance is often the most impactful benefit you can provide. It’s tangible, valuable, and immediately meaningful to employees juggling families and healthcare concerns.

Smart benefits decisions start with clear financial insight. Discover how Complete Controller helps business owners manage costs and plan smarter.

Structuring Your Employer-Sponsored Health Insurance Plan: Strategic Decisions

Offering health insurance doesn’t mean offering the most expensive plan. Strategic plan design lets you control costs while providing genuine value.

Understanding plan types and cost implications

High-Deductible Health Plans with Health Savings Accounts (HDHP/HSA) offer lower premiums but shift more financial responsibility to employees. Average premiums for HDHP/HSA are $8,620 (single) and $25,379 (family)—below overall averages.

Preferred Provider Organization (PPO) plans offer broader network access but higher premiums. Health Maintenance Organizations (HMOs) restrict networks but lower costs. In 2025, 68% of employers offering single coverage and 77% offering family coverage contributed to employees’ HSA accounts, averaging $705 (single) and $1,297 (family). This helps employees offset higher deductibles while you maintain cost predictability.

Cost-sharing strategies

The 2025 survey found that 34% of covered workers faced deductibles of $2,000+ for single coverage—up significantly over the past decade. Yet 11% of covered workers, including 28% at smaller firms, faced family deductibles of $12,000 or more.

Many forward-thinking employers are restructuring coverage rather than eliminating it:

• Expanding wellness programs to reduce claim costs
• Offering preventive care with zero deductibles (required under ACA)
• Implementing disease management programs for chronic conditions
• Exploring reference-based pricing to benchmark against Medicare rates

Advanced cost-control strategies

A self-insured employer implemented reference-based pricing and achieved significant savings. Over three years, the organization faced $92 million in billed charges from hospitals. Under a traditional PPO plan with a 60% discount, they would have paid $36.8 million. Using reference-based pricing, actual claims paid were $25.7 million—a savings of over $11 million across the three-year period, or roughly $3.7 million annually.

The Hidden Value: How Employer-Sponsored Health Insurance Affects Your Bottom Line

While health insurance is a cost, it’s also an investment that influences multiple financial levers of your business.

Productivity and presenteeism

Uninsured or underinsured employees experience higher stress, skip preventive care, and delay treatment until conditions worsen. This reduces workplace productivity through presenteeism—showing up but not fully capable. Research analyzing employees in four pharmaceutical companies found that presenteeism accounted for 64% of total health-related costs to employers. In contrast, absenteeism represented only 11%, and direct medical/pharmaceutical expenses represented 25%.

Compliance and legal risk

Under the Affordable Care Act, employers with 50+ full-time employees must offer coverage meeting affordability standards or face penalties of $2,500–$3,750 per uncovered employee annually. The 2026 affordability threshold is 9.96% of household income—if your employees’ contribution exceeds this, you’re non-compliant.

Additionally, some states have passed paid family leave mandates and other healthcare-related requirements. Offering robust coverage proactively positions you ahead of regulation.

Employee wellness and long-term cost control

The University of Rochester implemented a comprehensive wellness program that included health screenings, risk assessments, wellness activities, and incentives. Among employees with moderate-to-high cardiovascular disease risk at baseline, 48% improved their risk profile within one program year. The program generated a return of $4.90 in savings for every $1.00 spent over a five-year period.

Navigating ACA Compliance and Small Business Realities

The Affordable Care Act introduced affordability thresholds and reporting requirements that affect how you structure coverage. In 1999, 81% of small businesses with 10-199 employees offered health coverage. By 2025, that rate had dropped to just 59%—a 22-point decline. For the smallest firms with 10-49 workers, the decline was even steeper: from 78% in 1999 to just 54% in 2025.

Affordability standards in 2026

Under the ACA, employers with 50+ full-time employees must track that the employee’s share of premiums for self-only coverage does not exceed 9.96% of their household income (the 2026 threshold, up from 9.02% in 2025).

If an employee earning $30,000 annually faces a $3,000+ annual contribution, they’re technically being offered “unaffordable” coverage. If they then purchase coverage on the exchange and receive a subsidy, the employer faces a penalty. Many employers use Form 1095-C and Form 1095-B to track and report coverage. Working with a benefits administrator or HR consultant prevents costly mistakes.

Small employer tax credits

Employers with fewer than 25 full-time equivalent employees may qualify for a Small Employer Health Insurance Tax Credit of up to 50% of premiums (35% for non-profits)—but only if they use a SHOP marketplace and contribute at least 50% of employee premiums. This credit phases out as your payroll increases, but for qualifying small businesses, it can offset 40–50% of annual premiums—making coverage far more affordable.

Final Thoughts

Offering employer-sponsored health insurance is no longer a nice-to-have perk—it’s a strategic necessity for competitive hiring, legal compliance, and sustainable business growth. Yes, costs are rising faster than inflation. Yes, the administrative burden is real. But the alternative—losing top talent to competitors who offer coverage, facing ACA penalties, or managing burnout from an underinsured workforce—costs far more.

Throughout my years as CEO of Complete Controller, I’ve seen firsthand how businesses that invest thoughtfully in employee health coverage outperform those that cut corners. The companies that grow fastest, retain talent longest, and command the strongest company cultures are those where employees feel genuinely valued—and health coverage sends that message louder than words.

If you’re navigating health insurance decisions or need help structuring your benefits strategy, the experts at Complete Controller understand the financial and operational complexities of SMB ownership. We’ve guided hundreds of founders through exactly these decisions.

Frequently Asked Questions About Employer-Sponsored Health Insurance

What percentage of employers actually offer health insurance?

In 2025, 61% of firms with 10+ workers offered health benefits. However, this varies dramatically by size: 97% of firms with 200+ employees offer coverage, compared to just 59% of smaller firms.

How much should employers contribute to premiums?

There’s no legal minimum outside ACA affordability thresholds for large employers, but the private sector average is roughly 84% for single coverage and 74% for family coverage. Smaller firms often contribute more generously per capita to remain competitive.

Are there alternatives to traditional health insurance?

Some employers explore health reimbursement arrangements (HRAs), defined contribution plans, or employee stipends for individual market coverage. These have tax implications and compliance requirements—consult a tax advisor before implementing.

What about remote or part-time employees?

Coverage eligibility is based on employment classification. Typically, full-time employees (30+ hours weekly) are eligible. Remote employees fall under the same rules as on-site staff. Part-time employees may be excluded, though this varies by plan design.

How can small businesses afford rising costs?

Strategies include higher deductibles paired with HSA contributions, wellness programs that reduce claims, reference-based pricing models, exploring small business consortiums for better rates, and using SHOP marketplace tax credits if eligible.

Sources

• [1] Aon. “Healthcare Employer and Employee Costs in 2026.” Business.com, 2026, https://www.business.com/articles/health-insurance-costs-this-year/
• [2] Kaiser Family Foundation (KFF). “Employer-Sponsored Health Insurance 101.” KFF Health Policy, 2024, https://www.kff.org/health-costs/health-policy-101-employer-sponsored-health-insurance/
• [3] Kaiser Family Foundation (KFF). “2025 Employer Health Benefits Survey.” KFF Research, 2025, https://www.kff.org/health-costs/2025-employer-health-benefits-survey/
• [4] NCBI. “Research and Policy to Strengthen the Employer-Sponsored Health Insurance System.” PMC, 2022, https://pmc.ncbi.nlm.nih.gov/articles/PMC9108054/
• [5] Mercer. “Employers Could Grapple with $18.5K+ in Health Insurance Costs Per Person.” Becker’s Payer, 2025, https://www.beckerspayer.com/research-analysis/employers-could-grapple-with-18-5k-in-health-insurance-costs-per-person/
• [6] EBRI. “New Research Finds Percentage of Small Employers Offering Health Benefits in Decline.” EBRI, 2024, https://www.ebri.org/content/new-research-finds-percentage-of-small-employers-offering-health-benefits-in-decline-but-employment-based-health-coverage-still-most-common-source-of-health-coverage-for-nonelderly-population
• [7] HMP Global Learning Network. “Trends and Issues for US Employer Insurance: Forecasting 2026–2030.” JCP, 2026, https://www.hmpgloballearningnetwork.com/site/jcp/column/trends-and-issues-us-employer-insurance-forecasting-2026-2030-health-care-coverage
• [8] Mercer. “Employers Prepare for the Highest Health Benefit Cost Increase in 15 Years.” Mercer US Health News, 2025, https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/
• [9] Venteur. “Why Small Businesses Are Dropping Health Coverage in 2026 (And What to Do About It).” Venteur Blog, 2025, https://www.venteur.com/blog/why-small-businesses-are-dropping-health-coverage
• [10] Smith et al. “The Financial Impact of an Employee Wellness Program Focused on Cardiovascular Disease Risk Reduction.” Healthcare, November 2024, https://pmc.ncbi.nlm.nih.gov/articles/PMC11640894/
• [11] Conner Strong & Buckelew. “Reference-Based Pricing: A Solution to Help Self-Insured Employers Control Rising Healthcare Costs.” Conner Strong Consulting, https://www.connerstrong.com/blog/insights-detail/latest-thinking/reference-based-pricing-a-solution-to-help-self-insured-employers-control-rising-healthcare-costs/
• [12] Lofland, J. H., and Frick, K. D. “Total Health-Related Costs Due to Absenteeism, Presenteeism, and Medical/Pharmaceutical Expenses.” Journal of Occupational and Environmental Medicine, 2018, https://pmc.ncbi.nlm.nih.gov/articles/PMC5959215/
• [13] KFF. 2025 Employer Health Benefits Survey (Employer-Sponsored Health Insurance Data). Kaiser Family Foundation. https://www.kff.org/report-section/ehbs-2025-summary-of-findings/
• [14] IRS. Small Employer Health Care Tax Credit for Small Employers. https://www.irs.gov/affordable-care-act/small-employer-health-care-tax-credit-for-small-employers
• [15] Healthcare.gov. Employers. https://www.healthcare.gov/employers/

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Reviewed By: Brittany McMillen

Brittany McMillen

Brittany McMillen is a seasoned Marketing Manager with a sharp eye for strategy and storytelling. With a background in digital marketing, brand development, and customer engagement, she brings a results-driven mindset to every project. Brittany specializes in crafting compelling content and optimizing user experiences that convert. When she’s not reviewing content, she’s exploring the latest marketing trends or championing small business success.

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Whenever holiday dates are approaching, like Easter, summer vacations, or a long bridge, I ask myself the same question. How to organize a cheap holiday? Because it is not always an easy task. When I read journals or travel blogs, dream hotels, and heavenly destinations come out, but if you look at what it costs, in most cases, the budget does not seem to be enough. So I thought about sharing with you these tricks that I use for myself.

1. Traveling in the low season

It seems obvious, but many times we insist on traveling all at the same time. If our calendar allows it, traveling in the low season, besides being cheaper, is a joy as there are far fewer people everywhere. If this is not possible, we must take very good care of the days we choose, because in some destinations, for example, between August 1 and August 31, there may be many differences. The same happens in other countries. What for us is the occupation top. In others, either because of the weather or because the same festive calendar is not followed, it may be the best time to visit it. The key is to find out beforehand about the places in which we are interested.

2. Search offers

To hunt a good offer and find a vacation bargain, you have to be attentive all year round. Sign up for flight search newsletter, on-line travel agencies, airlines, hotel chains, transport pages, and everything you can think of. Surely at some point, what you’re looking for comes out at a much better price.

3. Choose a nearby destination

Many times most of the budget goes on transportation. To enjoy a few days of rest, we must not go to the other side of the globe, so we can forget about the plane, which is usually the most expensive means of transport. I personally love to travel by train, but there are many options currently, such as carpooling with other people or the bus of a lifetime.

As ideas, I have a couple of posts that can help you. One is six low-cost routes by car to do at Easter, and another is a low-cost route to visit Madrid.

4. Search the accommodation

Since the internet has entered our lives, the offer of accommodation has skyrocketed, and there are modalities for all tastes. From renting an apartment to a private one, do Couchsurfing or book accommodation in cheap hotels all-inclusive. This last option can be a good way to save since you do not have to spend anything else since meals (and drinks) are usually included. Mind you, spend a lot of time that calories are not on vacation!

5. Nature Destinations

If you like nature, hiking or bicycle routes, it can be a very cheap way to spend your holidays. In my experience, in urban destinations, the budget is always higher. The entrances to the tourist places, the meals, the transport to move around the city itself, the food, a coffee around here, ice cream over there, a souvenir, and the hundreds of traps for the tourist or traveler to spend. It is impossible not to fall into any.

However, in nature destinations, once prepared the backpack with the sandwich, you go out to do your routes throughout the day, and in the end, the expense is minimal. Suppose you’re not a lot of walking a good idea of cheap holidays for Easter. They are old railroad tracks, which, being in disuse, have been adapted for hiking or biking. They are generally easy to do since they usually have very little unevenness, and you do not need to have a good physical shape. Also ideal for traveling with children.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Cybersecurity Tips to Protect Your Business Effectively

Cybersecurity tips to protect your business effectively start with implementing multi-layered defenses that address evolving threats like ransomware, phishing, and cloud vulnerabilities. In today’s digital landscape, businesses need a comprehensive approach that combines strong access controls, data encryption, employee training, and regular security assessments to safeguard sensitive information and maintain operational continuity.

The financial stakes couldn’t be higher—data breaches now cost U.S. businesses an average of $9.36 million per incident. Having guided hundreds of businesses through their cybersecurity transformations over my 20+ years at Complete Controller, I’ve witnessed firsthand how proper security measures aren’t just protective—they’re competitive advantages. In this article, I’ll share battle-tested strategies that will help you build resilience against cyber threats, maintain regulatory compliance, and create a security-conscious culture among your team.

What are cybersecurity tips to protect your business effectively?

• Cybersecurity tips include implementing multi-factor authentication, regular data backups, employee training, securing remote access, and developing incident response plans
• Strong access controls restrict unauthorized users from accessing sensitive business systems and information
• Data encryption transforms readable information into coded text that’s useless to unauthorized users
• Employee training turns your workforce from a security vulnerability into your first line of defense
• Regular security assessments identify and address vulnerabilities before criminals can exploit them

Establish Strong Access Control Measures

Access control remains the foundation of effective business cybersecurity. Think of it as building a fortress around your digital assets—you need to know exactly who has keys to which doors, and you need those doors to be sturdy.

Start by implementing the principle of least privilege, which means giving users access only to the systems and data they absolutely need for their job functions. This significantly reduces your attack surface and limits the damage if credentials are compromised. At Complete Controller, we’ve found that regular access audits often reveal unnecessary permissions that have accumulated over time.

The statistics paint a clear picture: 43% of cyberattacks target small businesses, and 60% of those attacked shut down within six months. Small businesses are attractive targets because criminals know they often lack robust security measures.

Implement These Access Control Best Practices:

• Require strong, unique passwords for all business accounts (minimum 12 characters with complexity)
• Disable accounts immediately when employees leave the organization
• Segment your network to isolate sensitive data from general business operations
• Create separate admin accounts for IT staff to use only when performing administrative tasks

Deploy multi-factor authentication everywhere

Multi-factor authentication (MFA) has become non-negotiable for businesses of all sizes. This simple technology has proven remarkably effective at stopping unauthorized access even when passwords are compromised.

MFA requires users to provide two or more verification factors to gain access to a resource, typically something they know (password) plus something they have (a smartphone or security key). This creates a significant barrier for attackers who might have stolen login credentials.

Critical Systems Requiring MFA:

1. Email accounts (business and personal accounts used for business)
2. Cloud storage and file-sharing platforms
3. Banking and financial portals
4. Customer relationship management (CRM) systems
5. Remote access connections (VPN, remote desktop)

According to IBM’s 2024 research, organizations that implemented MFA saved an average of $2.2 million per breach compared to those without MFA—a compelling return on a relatively small investment.

Encrypt Sensitive Data Across All Channels

Data encryption transforms your business information into coded text that’s unreadable without the proper decryption keys. This means that even if data is stolen, it remains protected—turning what could be a catastrophic breach into a mere security incident.

The most effective approach is to implement encryption at three levels: data at rest (stored on devices), data in transit (moving across networks), and data in use (being processed by applications). Each requires different encryption tools and protocols.

Essential Encryption Strategies:

• Use TLS 1.3 or higher for all website traffic and email communications
• Implement full-disk encryption on all company devices, especially laptops and mobile devices
• Utilize a virtual private network (VPN) for all remote connections to company resources
• Apply data protection tips like encrypted cloud storage for backups and document sharing

Small businesses often overlook encryption because it seems technical or expensive, but many solutions are now built into operating systems or available as affordable services. The protection it provides far outweighs the implementation effort.

Implement Regular Backup and Recovery Procedures

The ransomware epidemic has made robust backup procedures more critical than ever. A comprehensive backup strategy is your ultimate insurance policy against data loss, whether from cyberattacks, hardware failures, or human error.

Consider the cautionary tale of a boutique hotel that lost over $500,000 after a ransomware attack in 2023. The attack began with a simple phishing email that an employee clicked, encrypting their reservation system and financial records. While they avoided paying the ransom because they had backups, they still faced significant operational downtime and reputational damage.

Follow the 3-2-1 Backup Rule:

1. Maintain at least 3 copies of important data
2. Store backups on 2 different types of media
3. Keep 1 backup copy offsite or in the cloud

Testing your backups is equally important—a backup that can’t be restored when needed is worthless. Schedule quarterly recovery drills to ensure your backup systems work as expected and that staff knows how to use them in an emergency.

Adopt advanced threat detection tools

Today’s cybersecurity landscape requires more than just preventative measures—you need systems that can detect threats that have already penetrated your defenses. Advanced threat detection tools use artificial intelligence and behavioral analysis to identify suspicious activities that traditional security measures might miss.

Companies using AI-driven security tools saved an average of $2.2 million per breach compared to those without such systems. These tools detect threats faster and allow for more rapid response, significantly reducing damage.

Key Threat Detection Technologies:

• Endpoint Detection and Response (EDR) systems that monitor for suspicious activities on devices
• Security Information and Event Management (SIEM) platforms that aggregate and analyze security data
• User and Entity Behavior Analytics (UEBA) to identify abnormal user behaviors
• Cloud Access Security Brokers (CASBs) that monitor cloud application usage

For small businesses with limited resources, managed security service providers (MSSPs) offer access to these advanced tools at a fraction of the cost of building in-house capabilities.

Secure your data. Simplify your finances. See how Complete Controller helps.

Train Employees to Recognize and Report Threats

Your employees remain both your greatest vulnerability and your strongest defense against cyber threats. A security-aware workforce dramatically reduces your risk profile, while untrained staff can unintentionally bypass even the most sophisticated security systems.

Studies have shown that employee training reduced phishing susceptibility by 75% in tested companies. This remarkable improvement demonstrates that proper training transforms your team from a potential weakness into an active security asset.

At Complete Controller, we’ve implemented a comprehensive security awareness program that includes:

Effective Security Training Elements:

• Monthly microlearning modules (5-10 minutes each) that focus on specific threats
• Quarterly simulated phishing campaigns with immediate feedback
• Clear reporting procedures for suspicious emails or activities
• Celebration and recognition of employees who identify and report threats
• Security updates in regular company communications

Make security training engaging rather than punitive. When employees feel they’re part of the security team rather than potential scapegoats, they become more vigilant and proactive about protecting company assets.

Secure Your Remote Work Environment

The shift to remote and hybrid work has permanently expanded the attack surface for most businesses. Home networks, personal devices, and public Wi-Fi all introduce new vulnerabilities that weren’t concerns in traditional office environments.

Implementing how to secure your business from cyber threats in remote settings requires a different approach than on-premises security. The perimeter-based security model of the past has given way to a zero-trust framework where verification is required from everyone, every time, regardless of location.

Remote Work Security Essentials:

• Provide company-managed devices when possible rather than allowing personal devices
• Implement mobile device management (MDM) solutions to enforce security policies
• Require VPN usage for accessing company resources
• Establish clear security policies for home networks (router settings, guest networks)
• Use cloud-based security solutions that protect users regardless of location

Remote work security isn’t just about technology—it’s also about clear policies and procedures. Document your expectations for remote workers and provide them with the tools and training they need to meet those expectations.

Develop and Test an Incident Response Plan

Despite your best preventative efforts, security incidents will occur. Your response to these incidents often determines whether they become minor inconveniences or business-ending catastrophes. A well-crafted incident response plan provides a roadmap for your team to follow during the chaos of a security breach.

Your incident response plan should outline:

1. Roles and responsibilities for key personnel during an incident
2. Communication protocols for internal teams, customers, and regulatory authorities
3. Containment strategies to limit damage and prevent spread
4. Evidence collection procedures to support potential legal action
5. Recovery processes to restore normal operations

Testing your incident response plan through tabletop exercises is crucial. These simulations walk your team through various security scenarios, helping identify gaps in your plan before a real incident occurs.

Comply with industry regulations

Regulatory compliance isn’t just about avoiding fines—it provides a framework for small business cybersecurity best practices that protect both your business and your customers. Industries like healthcare (HIPAA), retail (PCI DSS), and financial services have specific regulations, but general data protection laws like GDPR and CCPA increasingly affect businesses of all types.

Compliance Best Practices:

• Identify which regulations apply to your business based on location, industry, and data types
• Conduct regular compliance assessments using standardized frameworks
• Document your security controls and policies
• Maintain detailed audit logs of security-related activities
• Stay informed about regulatory changes through industry associations

For many small businesses, compliance requirements can seem overwhelming. Consider working with cybersecurity strategies for businesses consultants who specialize in your industry to develop a manageable compliance program.

Partner with Trusted Security Vendors

Most small and medium businesses lack the resources to maintain comprehensive in-house security expertise. Strategic partnerships with security vendors can provide access to specialized skills and technologies that would otherwise be unavailable.

When selecting security partners, look for:

Vendor Selection Criteria:

• Specific expertise in your industry and regulatory environment
• Transparent communication about their own security practices
• Clear service level agreements (SLAs) for response times
• Ability to scale services as your business grows
• Strong customer references from businesses similar to yours

Remember that outsourcing security functions doesn’t mean outsourcing responsibility. Maintain oversight of your security vendors and integrate their activities into your overall security program.

Final Thoughts: Building a Security-First Culture

Effective cybersecurity isn’t a one-time project but an ongoing business practice that requires commitment at all levels of your organization. The most secure companies build a culture where security is everyone’s responsibility and is considered in every business decision.

Data breach costs have risen dramatically over time—from $138 per record in 2005 to over $200 today—making security investments increasingly valuable. Implementing these strategies won’t make your business impenetrable, but they will significantly reduce your risk and demonstrate to customers and partners that you take the protection of their data seriously.

Start by implementing the most critical controls first: multi-factor authentication, regular backups, employee training, and a basic incident response plan. Then build on this foundation as your resources allow. At Complete Controller, we’ve helped countless businesses navigate these security challenges, and we’re ready to help you too. Contact our team to learn how we can support your business’s cybersecurity journey while maintaining efficient operations.

FAQ

What are the most common cyber threats facing small businesses today?

The most prevalent threats include phishing attacks (fraudulent emails seeking credentials), ransomware (malware that encrypts your data and demands payment), business email compromise (attackers impersonating executives), and supply chain attacks (compromising your business through trusted vendors). Small businesses are targeted in 43% of all cyberattacks because they often lack robust security measures.

How much should a small business budget for cybersecurity?

Most cybersecurity experts recommend allocating 5-15% of your overall IT budget to security, depending on your industry and risk profile. For businesses with sensitive data or regulatory requirements, this percentage should be higher. Many essential security measures like multi-factor authentication and basic employee training are relatively inexpensive compared to the potential costs of a breach.

What’s the first step I should take to improve my business’s cybersecurity?

Start with a security assessment to identify your most significant vulnerabilities. This doesn’t need to be expensive—CISA offers free assessment tools for small businesses. Once you understand your risks, implement multi-factor authentication for all business accounts, which offers substantial protection for minimal cost and disruption.

How can I tell if my business has already been hacked?

Warning signs include unexpected system slowdowns, staff being locked out of accounts, unusual network activity (especially at odd hours), missing funds or unauthorized financial transactions, and customers reporting strange emails from your company. If you suspect a breach, immediately isolate affected systems and consult with a cybersecurity professional.

Are cloud services more or less secure than on-premises systems?

Major cloud providers typically offer stronger security than most small businesses can implement on-premises. They employ dedicated security teams and invest millions in protecting their infrastructure. However, cloud security requires proper configuration and management. The majority of cloud breaches occur not because of provider vulnerabilities but because of customer misconfiguration or poor access controls.

Sources 

• Statista. “Cost of a data breach in the U.S. 2024.” 10 Oct. 2024. https://www.statista.com/statistics/273575/us-average-cost-incurred-by-a-data-breach/
• IBM. “Cost of a Data Breach Report 2024.” July 2024. https://table.media/wp-content/uploads/2024/07/30132828/Cost-of-a-Data-Breach-Report-2024.pdf
• Packetlabs. “The Top Cybersecurity Statistics for 2024.” 19 Nov. 2024. https://www.packetlabs.net/posts/the-top-cybersecurity-statistics-for-2024/
• U.S. Department of Commerce. “Kick Off a More Secure 2025.” 6 Jan. 2025. www.commerce.gov/news/blog/2025/01/kick-more-secure-2025
• Cybersecurity and Infrastructure Security Agency (CISA). “Cybersecurity Best Practices.” www.cisa.gov/topics/cybersecurity-best-practices
• KnowBe4. “Security Awareness Training Reduces Phishing Susceptibility by 75%.” 11 July 2011. www.knowbe4.com/press/security-awareness-training-reduces-phishing-susceptibility-by-75
• CISO Global. Perkins, Gary. “Back to the Basics For 2025: Securing Your Business.” 17 Jan. 2025. www.ciso.inc/blog-posts/back-to-the-basics-for-2025-securing-your-business
• National Institute of Standards and Technology (NIST). “Cybersecurity Framework.” www.nist.gov/cyberframework
• Ponemon Institute. “2009 Annual Study: Cost of a Data Breach.” 2010. https://privacylaw.proskauer.com/2010/01/articles/data-breaches/2009-ponemon-institute-cost-of-a-data-breach-study-released/
• Federal Trade Commission. “Business Security Guide.” www.ftc.gov/tips-advice/business-center/security
• Blackpanda. “Boutique hotel suffers ransomware attack.” 7 May 2024. https://www.blackpanda.com/case-studies/boutique-hotel-suffers-ransomware-attack
• Complete Controller. “Remote Work Security Post-COVID.” www.completecontroller.com/remote-work-security-post-covid/
• Complete Controller. “Efficient Paperless Office Solutions.” www.completecontroller.com/efficient-paperless-office-solutions/
• Complete Controller. “Small Business Bookkeeping: 9 Tips and Tricks.” www.completecontroller.com/small-business-bookkeeping-9-tips-and-tricks/

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Reviewed By: Brittany McMillen

Brittany McMillen

Brittany McMillen is a seasoned Marketing Manager with a sharp eye for strategy and storytelling. With a background in digital marketing, brand development, and customer engagement, she brings a results-driven mindset to every project. Brittany specializes in crafting compelling content and optimizing user experiences that convert. When she’s not reviewing content, she’s exploring the latest marketing trends or championing small business success.

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Over the last thirty years, cancer, neurological (Parkinson’s and Alzheimer’s) or autoimmune diseases, diabetes and reproductive dysfunction have continued to grow. How to explain this worrying epidemic, which particularly strikes the so-called developed countries? This question is answered by the documentary film ” Our daily poison “, the result of a two-year investigation in North America, Asia and Europe. Based on many scientific studies, but also on the testimony of representatives of regulatory agencies – such as the US Food and Drug Administration (FDA). The film shows that the main cause of the epidemic is of environmental origin: it is due to some 100,000 chemical molecules that have invaded our environment, and mainly our food, since the end of the Second World War.

This major survey traces the way in which food is produced, packaged and consumed, from the farmer’s field (pesticides) to our plate (food additives and plastics). It dissects the system of evaluation and homologation of chemicals, through the examples of pesticides, aspartame and Bisphenol A(BPA), and shows that it is totally faulty and unsuitable. It tells about the pressures and manipulations of the chemical industry to keep highly toxic products on the market. Last but not least, it explores avenues to protect itself by supporting its immune mechanisms through food, as demonstrated by numerous scientific studies (criticized by the pharmaceutical industry).

100,000 chemical molecules “have invaded our environment, and mainly our food,” since the end of the Second World War.

• Less than 0.3% of pesticides reach their target, and more than 99% migrate into the environment.
• According to WHO, 1 to 3 million people are victims each year of acute poisoning by pesticides. More than 200 000 die.
• The incidence of the 20 most common cancers in the West is 10 to 30 times lower in emerging countries like India.
• Traces of 212 chemicals – including bisphenol A and pesticides – were found in the blood and urine of 2,400 Americans tested by the Atlanta Center for Disease Control in 2009.

What we eat contains residues of pesticides, fungicides and insecticides, aspartame and artificial colors. And that makes us sick. The responsibility of the chemical industry in the epidemic of chronic diseases. The journalist noted a rise in cases of cancer, Parkinson’s disease and reproductive dysfunction. 

Wherever she goes, she asks people who know a woman who has had breast cancer to raise her hand. Three-quarters of the assembly do it. Here, 40% of women and 45% of men will develop cancer during their lifetime, according to the Canadian Cancer Society. These cancers that are phenomenally growing, did you know that they particularly affect the industrialized countries that have been able to take advantage of all these new inventions?

This writer-director explained to the public that she wanted to know if Monsanto’s practices had been used by the chemical industry that produces pesticides, certain plastics, food additives, etc. The answer is radically clear, in his opinion: this industry is the main cause of “the epidemic of chronic diseases” – cancer, birth defects, decreased fertility, nervous system and hormonal disorders, etc. – whose increasing frequency compromises all efforts of medicine to increase life expectancy.

Pesticides, herbicides, preservatives, insulators, plastics. All these products from modern chemistry were initially to reinvent the wheel by facilitating agriculture, extending the life of food, solving a thousand and one problems of everyday life.

In addition to cancer, she talks about fertility problems, neurodegenerative diseases, as well as all kinds of disturbances of the endocrine system. Over the years, some links have been made quite clear to governments and regulators that some products are banned – including PCBs and now BPAs in baby bottles. Except that, in general, the possibility of links between a bunch of molecules and all kinds of diseases is often perceived as too vague for that to justify their total prohibition.

In order for the causal link between these chemicals and many of these diseases to be unquestionably and scientifically demonstrated, it would be necessary to make impossible experiments, either to force humans in cages to be exposed to a particular product for a large number of years. This proof, we will never have. In the meantime, you have to manage the risks. And it’s not because a product does not make us fall dead that it does not kill us.

Bankruptcy of control standards

Not only are current standards designed to protect the public from contaminants in their environment, or even on their plate, but they are conventions that are not based on any scientific demonstration, but they are now completely ineffective against the new generation of contaminants, which we call endocrine disruptors.

 

Toxicity studies are provided by companies, such as Monsanto, which are not more transparent and tend to hide the truth. Moreover, these studies are produced on the basis of an individual test of chemical substance. Now there are on the market today more than 100,000 chemical molecules of which we do not know anything about mixtures, this cocktail effect explosive. 

According to the studies provided, three chemicals taken separately and injected in minute doses have no effect but when these three substances are taken together then the impact is multiplied by sixty! We also learn in this survey that the famous reference to the daily dose, Paracelsus’ principle that says the dose is the poison, is totally out of sync with reality. For the vast majority of chemicals this principle adopted 50 years ago does not work.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

The functioning of a state loan leads to the formation of a public debt representing the entire amount of issued and outstanding government debt, including the amount of accrued interest that must be paid on them.

Public debt is the most complete quantitative characteristic of the state’s credit relations, reflected in statistical reporting. The size of the public debt shows only one productive aspect of the relationship: the debt of the state, formed for a period corresponding to the number of years of functioning of the long-term operating loan, the maturity of which occurs in the current year.

Management of internal public debt is a complex of measures aimed at its optimization. Public debt management is an ongoing process, which involves three phases: identifying the need for additional financial resources, attracting financial resources, repaying and servicing debt obligations.

At the first stage, the limits of state borrowings and guarantees for the next fiscal year are determined; tools for attracting resources and increasing their use are selected. The second stage involves the use of resources in external or internal financial markets through the issuance and placement of government securities, the receipt of a loan or the provision of state guarantees. The third stage is to find sources of financial resources for repaying and servicing the public debt, reducing total costs, timely execution of debt obligations. State debt obligations can be repaid at the expense of budget revenues, the country’s gold and currency reserves, cash received from the sale of state property, as well as new borrowings. 

When managing public debt, the following methods can be used:

• Refinancing;
• Restructuring;
• Conversion;
• Consolidation;
• Unification – reduction of types of circulating securities;
• deferred repayment of loans;
• Cancellation – cancellation of some bad loans;
• Debt restructuring

 

Refinancing is the repayment of old debt by making new commitments. Three main methods of refinancing public debt are used: replacement of liabilities with expired terms of repayment by new ones, equivalent to them by the amount; replacement of one obligation with another with longer maturities; placement of new bonds in order to use the proceeds for settlements on bonds with expiring maturities.

Restructuring is a review of the initial repayment schedule and servicing of public debt. When restructuring, the debtor is granted a grace period, during which only interest is paid, and the maturity of the principal amount increases.

Conversion is a change in the terms of state loans in the debtor’s interest, consisting in a reduction in interest, a new way of repaying the debt, postponing the maturity, changing the loan currency. The most common types of conversion of external public debt are the exchange of debt obligations of third countries, the repayment of debt by commodity supply, the repurchase of debt by the borrower on special terms, the exchange of debt for property.

Consolidation is a change in the maturity of loans, usually in the direction of increase by transferring short-term liabilities to long-term ones. Consolidation can be combined with conversion.

Unification means that several previously issued bonds are equal to one new bond. This measure is effective when repaying previously issued bonds and paying interest on them must be carried out in new full-fledged money.

The delay in repayment of the loan is used by the government in cases where the issuance of new loans does not bring economic benefits, since most of the proceeds from new loans do not bring economic benefits, since most of the proceeds from new loans go to repayment and interest payments on old loans. With the delay in the repayment of loans, not only the terms are set aside, but the payment of incomes is also terminated. This is the difference between the repayment grace period on the consolidation of loans, in which the bond owner continues to receive income.

The cancellation of the state debt is an extreme measure, because of which the state completely renounces obligations on issued loans; it is usually a consequence of the coming to power of new political forces.

 

Debt restructuring is the repayment of debt obligations with the simultaneous execution of borrowings or the acceptance of other debt obligations in amounts redeemed with the establishment of other terms of service and maturities. More often, in practice, it is realized as an extension of the maturity of the debt and payment of interest on it. Debt restructuring can be carried out with a partial write-off or reduction of the principal amount.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

Did you finish high school or are you going to graduate? Congratulations! You have taken a very important step to grow as a person and also as a future professional. However, if you want to improve yourself and have a better standard of living, there is still a way to go.

Studying at a university career is important for several reasons. First, because it gives you a wider picture of the world around you. In addition, studying at a university will teach you the sense of discipline and responsibility and will allow you to meet people from many fields. But, above all, having a degree and title will be the key to obtaining a better job, a salary that meets your expectations and, therefore, a better quality of life. Is it really worth going to college?

If you are still not so sure, explore the reasons why we strongly recommend studying at a university degree. Keep reading!

You will have more chances of finding a better job

Did you know that a person with a degree earns twice as much as one who only has a high school? (source: National Survey of Occupation and Employment 2015). Today more than ever, employers seek to hire people who have a university degree and this is even more important when deciding who will grow in a company.

If you aspire to have a good job, having a career is not just an “extra point” in your favor. To develop yourself in many professions, it is simply something indispensable.

You will feel surer of yourself

Having completed a career, acquired a theoretical base of knowledge, practiced to reinforce what has been learned in the classroom and formed a wide network of contacts (classmates, teachers and more) will allow you to gain confidence in yourself. Of course, you will project this security. Being a person prepared (and sure of yourself) will open many doors.

You will develop a broad and critical vision

The university aims to prepare you to face the challenges of “out there” successfully. You will know the beautiful part and also the most difficult aspects of the profession that you choose. You will face dilemmas very similar to those of the real world and you will have to make difficult decisions. In addition, you will meet countless people with similar ideas and different from yours, and acquire knowledge that will allow you to have a more critical view of the world around you. In summary: the university will broaden your horizon in ways you cannot imagine.

You will become an independent person

Studying at a university is not at all like studying in high school. In high school, teachers and your parents “run” you to attend classes and do homework. In college, you are solely responsible for your education. The teachers will be your counselors, but they will not be chasing you to get good grades. This is more positive than it sounds: you border on becoming an independent, responsible person, capable of making your own decisions. Not to mention that studying a career gives you more chances of finding a job , and therefore, having your own income.

It will prepare you to work as a team

Believe us: few attributes are as essential to succeed in the workplace as learning to work in a team. In some professions it is more important than in others, but in all of them you will have to work with other people to achieve the objectives. The university teaches you to be an independent person , but at the same time, collaborative. Team projects will be a very important part of your academic development.

Graduation will make you feel invincible

Few sensations are as satisfying as graduating from a university, getting on the podium and receiving your diploma. Without a doubt, obtaining a degree is one of the highest reasons of pride that you could give to your family, and it will always be one of the great achievements of your life. Just imagine the moment you receive your diploma and throw your cap into the sky you will feel able to overcome any other obstacle that gets in your way!

Now you know: studying at a university will prepare you to fulfill your dreams and professional goals. Do not doubt that investing in your education will be your best investment!

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

What we are going to do is explain ten simple ways with which we can improve the management of our companies thanks to this social network, LinkedIn.

1. Get new customers thanks to our recommenders

A satisfied customer represents the best way to attract new customers. On LinkedIn, this translates into obtaining recommendations from our clients. At this point, we only have to ask our best clients to write a brief recommendation for us, which we can certainly include in our personal profile.

2. Maintain contact with people who care about our business

As in so many other social networks, LinkedIn is a way of saying to the world, “I’m here.” If we also update our status message with some frequency, we participate in discussion forums and regularly send messages to our contacts, we will ensure that we will always be one of the candidates that will take into account when there is a new initiative, proposal, etc.

3. Find allies and partners to outsource processes

Think of the number of times you have asked your acquaintances if they know a good photographer, an SEO expert or any other service you need but lack in your company.

One of the great advantages of LinkedIn is that by being able to get in touch with thousands of professionals from all over the world, you can find the partner you need in the simplest way possible: through a simple search on the Internet.

4. Share doubts, interests, etc. with other companies in your sector

In addition to finding new business opportunities, LinkedIn is also an excellent forum in which to discuss the concerns of your sector (or subsector).

Faced with the rigidity of the Chambers of Commerce and other “official” institutions, LinkedIn offers us hundreds of discussion groups and forums (more or less formal) in which we can closely monitor the reality of our sector, get in touch with companies, discuss the main problems that affect a whole business community, etc.

5. Learn from the great

In addition to groups classified by sectors, LinkedIn has dozens of groups in which we can raise our doubts in matters of taxation, legislation, marketing, etc. which are usually answered by the community.

Not only are questions of a general nature answered, but we can also learn from the example that great professionals offer in their performance in the thorniest situations that we can imagine. 

6. Get new customers thanks to your Know-How

Continuing with the topic of forums and discussion groups, it is important that we join some in which we are experts. By participating actively, we can soon become a reference for the rest of the participants.

In this way, we can improve our brand image, make our company known and, as a consequence, get more customers interested in the type of services we offer.

7. Find investors

One of the most important elements that we need to launch our business project is to obtain financing.

Although there are many ways to finance a project and many competitions for start-ups that can help us, on LinkedIn we can also present our idea to a huge group of investors who can assess the viability of it or even invest in our project. 

8. Joint Ventures

Have we already discussed the potential of the discussion groups? Obviously, in the same way that we can find partners to outsource services, we can also find companies interested in joining forces to pursue a common goal. As the topic says, the only limit is marked by our imagination.

9. Corporate Blog
   

LinkedIn is a network in which, among other things, we can include the content of our corporate blog or our updates on Twitter. Doing this is another great way to show the community about our expertise in certain topics and attract traffic to our company’s website.

Watch your competition

Most companies maintain a public profile. By consulting it, we can carry out a small investigation on how our market competition is moving, what are its main contacts, how they are relating to each other, etc.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

The number of cellular phone users is escalating rapidly in the present times. It is estimated that there were about 4.61 billion cell phone users in the world in 2009. However, like any other excessive technological use may have its negative impacts, the high dependency and usage of the technology in the daily lives of the public. There is also a growing concern of the possibility of a link of cellular radiations to cause tumor in human brain cells. There is a growing concern raised over the effect of the radiation over the human health specifically linking it to the brain cells. Numerous studies have been performed to study the impact of electromagnetic radiation (EMF) on the human tissues, brain cells, immune system, etc.

Electromagnetic Frequency

Two kinds of electromagnetic frequencies are generally emitted from electronic devices, specifically mobile phones. These are the microwave electromagnetic radiations and the radio waves from the antenna of cell phones. The normal frequencies of the EMR and radio waves is observed between 450- 2700 MHz at a high power of 0.1- 2 watts. The low-frequency ranges observed also reveals the fact that cellular devices are not high- powered RF transmitters. Still, these frequencies are supposed to cause a negative impact on the human brain if used long-term and inappropriately.

It should also be noted that cellular devices could only transmit power and resonate energy when they are switched on. Hence, it should be kept in mind that the frequency and amount of energy transmitted are highly dependent upon the quality of the handset used and the distance of the user from the device under observation. It could be considered as an example that during text messaging the distance of the user from the cell phone device is generally 30 cm and consequently the frequency transmitted to the user is not very high.

The electromagnetic radiations can be divided into two types based on their effect, i.e., into ionizing and non-ionizing radiations. It is suggested that non-ionizing radiations can produce potential hazards that could cause an electrical and biological impact. The electromagnetic radiations are generally high-powered and could generate electric current in the place of contact. This electric current may cause an induced voltage in the surrounding areas and could lead to an explosion, if left uncontrolled. On the other hand, at a biological level, the electromagnetic radiations when coming into contact with the human body are capable of creating a strong magnetic field inside the body. As a result, the nerves and muscles in the human body are stimulated and may cause an alteration in the normal biological function of the human body.

Cell Phone Effects

The mobile phone technology consists of two components; one is the provider end, and the other is the user end. On the provider end, there are antennas on the base stations to connect to the users. These base stations are continuously emitting EMR with very strong power, whereas, at the user end the EMR are emitted only during calls, and the power of these radiations is not very strong. However, with increasing demand, the number of towers or base stations are increasing at a very rapid pace, and thus increasing the level of radiations across the country.

Many concerns are also raised about the possible adverse effects that have been caused by electromagnetic radiations in people who live nearby the cell phone base stations. It is suggested that people living in areas near base stations suffer more from symptoms of dizziness, sleep disturbance, tiredness, and headache. The symptoms mentioned above are more common in people, who have a higher exposure to radiations transmitted from nearby base stations. The base stations should be positioned as such to minimize human exposure to radiations.

Associate Tumors

Glioma is a common term, which portrays any form of tumor that develops from the glutinous tissue of the human brain. The age of the individual, the location of the tumor, the symptoms, diagnosis, and the course of the treatment define the case of malignant glioma. The public concern concerning increased usage of mobile phones and cancer associates the risk of causing the glioma and other associated tumors.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

From the last couple of years, Cisco was operating to reprogram its routers to handle the video onslaught. By 2017, a minimum of 78% of all internet traffic was in video format. Nearly above half of the web traffic every day, after 5’ o clock is video traffic with Netflix, YouTube and other online video platforms being the key source of online traffic. 

The net is where the video is

The shift towards the video has approached a critical number, a point where everything will switch to additional traffic with all possible ways to speed up the process.

For owners of the online market and offline business, YouTube marketing is a key strategy to take advantage of the massive change towards video. For this reason, it has become essential for the online marketers to study and apply new ways to get help from Digital Organics. Doing so will allow a business to take a huge leap from the others and aid a business in moving forward.

Firstly, have a look as different businesses struggle to build their value on YouTube. A business following the proper tips and tricks will have a position amongst the top-ranked videos. Nowadays, it has become really hard to bring down a video from its top ranking position. Having the position even on the first Google or Bing page is not less than gold.

As a matter of fact, on proper research, it has been found that the organic search results of Google have an average of 34% of clicks. The second page has nearly 20%. The third page has 13%. Simply meaning, the paid and organic results on the first page of Google have a competition over the remaining 16%. Paid results only have 5% traffic which is a condition of not being able to see the result and known as ad blindness.

How to market properly on YouTube?

Pages vs. Channels

Changing the way YouTube pages and channels are viewed is important when it comes to using YouTube strategically. It is now time to consider YouTube as a secondary website with the channel being the homepage and videos being the webpage.

With every video, the strength of the website increases, as every single video tracks back to the channel page. The more influential the YouTube channel is, the higher the rank it has.

Here’s a key thing to remember, the rules of good web design apply in YouTube the same way they apply elsewhere.

To make the channel influential it is necessary to keep the videos exactly according to the channel. Every single niche must have a precise channel for it.

In simple words mixing up the channel with various types of videos on a single channel will result in weakening the specialty of the channel. 

Creating a video

Creating video is generally the very first challenge faced by any newcomer starting a YouTube Channel.

A lot of people are kind of camera shy and don’t find it comfortable to be all over YouTube. The good part is there is no need to be on YouTube and it could be beneficial to not appear in the videos at all. Before getting started with making a video it is important to have a purpose to make the video. A person can follow the list below as a help to getting started:

Building readership for the website

A video is a great way to lead traffic to the original website from YouTube which can result in casual visitors or to direct sales.

To have a lead

Capture the lead by posting a link in the video description showing the visitors “what they can get if they follow the link given below.”

Furthermore, it is crucial to have a record of converted leads from YouTube. Having a visitor with education about the product is worth 10 times a visitor with no product knowledge.

Building the brand of website

A lot of brands follow this exclusive idea, but still, it gets hard to know if a person is getting any value for it, as it cannot be measured.

Making a direct sale

There is nothing wrong with making a call to action in the video description and giving a link which goes directly to a form placing an order. A lot of individuals are benefiting from this technique.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

A person’s resume/CV is the first thing a recruitment agent will consider when determining whether they should invite that candidate over for an interview or not. This precious document will be a person’s first, and occasionally the only chance to influence their potential future boss,showing that they are perfect for the position. When applying for a job, a person also needs to understand that most of the recruitment agents will only dedicate a few minutes, or even just a few seconds, while browsing through a resume. As such, a person needs to make a catchy resume that will be a straightforward and well maintained so it will cut ahead the rest and is able to catch the attention of the recruiter who is examining it. Below are few useful tips that will help a person in building a solid resume?

 

 

1. Get to know the company and the job position

The first step a person needs to follow is to know the company and the position being applied for. This way, a person will easily be able to decide precisely what a possible employer wants from their applicants. It will also provide a clearer understanding of the qualifications and characteristics that the corporation’s model applicant would possess. Are they seeking someone who has general experience in the relevant field? Are they looking for someone with a strong grasp regarding the theories that are used during trading? Are they looking for someone who can be a team player, or an individual worker, maybe a mixture of both? Only after receiving the answers to these questions, a person will be able to build a resume that is based on the strengths and credentials that will definitely fit the criteria.

 

2. Start writing the resume that will get a person closer to that dream job

Once a person has done their research regarding the corporation and the job position that they want to apply for, now it’s time to handle the serious business of writing a rock-solid resume. If a person is having a hard time with knowing where to start, the first thing a person needs to decide on, is what they should include in their resume. A typical resume contains a candidates private contact info, work experiences, and history, educational credentials, along with a list of references. While writing a resume, especially the part containing previous work experiences and educational credentials, always remember to highlight and emphasize the factors that will make a person more suitable for that specific position. Avoid being uncertain. If a person thinks they possess the qualities and skills that a company is looking for, do not hesitate to put emphasis on them, because the other candidates surely will not hesitate to highlight their abilities either. Anyhow, a person should always be sure that everything they write on their resume is legit and can be verified if needed. The last thing a candidate needs is a resume filled with lies.

 

3. Proofread, proofread, and proofread!

After you have finished writing a resume, now it’s time to recheck. Proofreading a document has its own benefits as can enhance authenticity by eliminating all errors. Regardless of how careful a person was while writing their resume, there will always be some mistakes and there is no such thing as a “small mistake” when it comes to applying for a new job. Even small and childish error can easily hinder a person’s chance for success. Therefore, it is better to properly proofread a resume twice before moving forward. Looking at a printed copy of a resume will help a person spot the errors more quickly. It is also a great idea to ask a friend or family members to proofread the document as a second opinion. Make sure that the resume is completely free from errors in all phases of formatting, spellings, and grammar.

 

A perfect resume will not drop from the sky and land in one’s hand. A person has to work twice as hard to make it from scratch. Gratefully, the guide above will surely help a person to build an exceptional resume that will be their ticket to securing that dream job.

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