Sailing is a fun activity for the weekends. People from all around the world love to spend their day in water reservoirs playing with water and engaging themselves in the fantastic art of sailing. Sailing has so many benefits like the development of the physical, mental, management, and cognitive skills of an individual. The main material required for sailing is a yacht. A yacht is a large-sized boat exclusively designed for sailing purposes to meet your goals of entertainment and exploring different places. A boat that is over 40ft long is termed a yacht. Everything about yachts is covered atdufour yachtsranging from pricing and designs to size variations. Yachts with modern infrastructure, eye-catching structural layout, premium-quality material, and long-lasting sturdiness are hard to resist.
Sailing has always been a luxury-grade hobby. Therefore, many people think that it can not be within the reach of everyone. However, it is not so. One can manage to own a yacht on a limited budget too and continue one’s adventure without any hassle. This write-up addresses your most basic concern: how to buy a yacht to enjoy sailing even within a limited budget!
Although markets are loaded with expensive and brand new yachts that look pleasing to the eyes, it is not impossible to find a used piece that works fine and looks good too. The most important point is that used products are available at reasonable prices. Another benefit is you won’t have to suffer from the possible depreciation costs because much of that has already happened. Therefore, a used yacht is worth your investment.
Buying a used yacht may sound sensible because you are going to save an appreciable amount of your balance, but it is not that simple. Several factors play an important role while buying a used yacht such as what are your expectations from the product? You can not buy a low-quality product with a broken structure if you want to sail in a deep sea. Also, if you are a professional sailor, you must take into account your requirements and then buy a used yacht. If the seller of the yacht does not have a good reputation in the market, avoid purchasing from him no matter how cheap the price is. The reason is you cannot afford to sink your yacht and drown yourself below the layers of deep waters. History of dufour yachts tells an inspiring story about the designer and all his designs, thus providing a reliable option for the people who are interested in buying a yacht.
You can enjoy all the delights of sailing a yacht even with a used yacht. It is not smart to put your hard-earned money into one product when you can get a suitable choice at a comparatively low price especially when you cannot afford to lose extra bucks. However, take into account the used yacht for sale that you are going to purchase is functional, durable, sturdy, and worth the price you are paying.
One of the best features of Microsoft Outlook is its organized email management system. With Microsoft Outlook, you can organize your emails like user or client accounts.
Business operations involve a constant flow of communication—staff inquiries, sales orders, management reports, etc. But sometimes you face the error codes similar to this one [pii_email_11fe1b3b7ddac37a081f], then we try to show you the best solution of solving the error.
If you see this [pii_email_11fe1b3b7ddac37a081f] error code while accessing the MS outlook, it means that your Outlook is not working correctly. So, what is the correct solution to avoid the error code? In this article, we show you four simple methods to solve this issue.
Table of Contents
4 Simple Steps To Solve [pii_email_11fe1b3b7ddac37a081f] Error Code
Step 1: Clear Cache And Cookies
Clearing cache and cookies will make your previous strings clean, and all the data will be fresh. Clearing cache can remove the broken or stuck data packets.
Close the MS Outlook application. After a few minutes, reopen it.
You have to close multiple accounts to solve this error.
Install the latest version of Microsoft Outlook.
If you are using the old version and it asks for an update, you have to update it and restart your pc.
Once the restarting process is completed. Now you have to open MS Outlook and see if the error [pii_email_11fe1b3b7ddac37a081f] is solved.If the error is not solved then try step 2, which is below.
Step 2: Fix Outlook Version And Update To Latest Version
Sometimes the [pii_email_11fe1b3b7ddac37a081f] error might be caused if the software the installation process is corrupted or the MS Outlook discord with other e-mail accounts.
To fix the MS Outlook Version, you have to remove the corrupted version of Outlook from your PC.
In the final step, you have to install the latest version from the official website Microsoft Outlook.
Step 3: Use The Web Application Of Outlook
To avoid the [pii_email_11fe1b3b7ddac37a081f] error code, the best thing is to choose the outlook web application in the navigation panel, which will be seen in the top corner when you click on options.
In the MS Outlook App, use the light edition of the checkbox and click on the Save button.
Sign up from the light edition with your registered MS outlook account.
Step 4: Update Outlook If You Are You Are Using Outdated Version
Make sure your PC supports the latest version of MS Outlook.
In most cases, when you run Microsoft Outlook Setup on your personal computer with an older version of Outlook installed. All you have to do is uninstall the old version from your pc.
If Microsoft Outlook is outdated then it may run into errors codes like [pii_email_11fe1b3b7ddac37a081f]
If you uninstall MS Outlook before installing the new version, The previous files of Office not be deleted. However, if your version of Office includes Outlook, you might want to back up your Outlook data files.
See Find and transfer Outlook data files from one computer to another. Still, if you are facing the error code then Contact Microsoft support for further instructions.
Our main aim is to help you solve the [pii_email_11fe1b3b7ddac37a081f] error code occurring while accessing the MS Outlook. We tried to guide you with the best possible steps to solve this problem you are facing in Outlook. We hope these you are benefited by following these steps and resolved the issue which you are facing. If you are still unable to solve the MS Outlook error code, it might be even a bigger problem to get it answered by yourself. All you have to do is contact the Microsoft Outlook Team for further instructions.
Also Read: Best Solutions To Fix MS Outlook [pii_email_654fbfc0ac64aec32e9c] Error Code
Are you wondering why so many people are wearing a magnetic bracelet? Do you want to know who exactly should invest in this accessory? This write-up would clear all your doubts and answer all your questions related to the functionality of magnetic bracelets.
Other than being eye-catching accessories that complement all stylish outfits, these bracelets offer a series of health benefits. You should consider buying magnetic bracelets if you are looking for one or more of these health benefits. To be more precise, anyone who wants to have a healthy life can wear a magnetic bracelet. Read on to know how these units can make you a healthier person.
Your Body Will Experience a Notable Improvement in Circulation
Wearing a magnetic bracelet will improve circulation in your body significantly. This change will result in a series of positive side effects.
As iron is an important component of our blood, the magnet in the bracelet will have a direct impact on the flow of blood. The magnet will not only result in increased blood flow in your wrists and arms but also in other parts of your body.
The increase in blood flow will help you to recover more quickly from injuries. Additionally, you’ll also experience faster removal of toxins from your system.
The Accessory Will Act as a Painkiller
Joint pain is often a result of excess lactic acid production and increased calcium deposits. Magnets would allow the calcium ions to move much faster around your body and will also reduce your lactic acid levels. These changes will automatically offer pain relief.
By allowing faster movement of calcium ions around your body, the magnetic bracelet will also speed up the recovery process of your nervous system and bones. Magnet’s ability to trigger endorphin production is another reason why these bracelets are excellent painkillers.
You’ll Get Rid of Sleep Deprivation
Several studies conducted over the years have shown that magnets can increase melatonin production in the human body. For your information, melatonin is the hormone responsible for controlling our sleep-wake cycle. So, if you are suffering from sleep deprivation, matka it would be a good idea to invest in a magnetic bracelet.
Wearing the bracelet will make it easier for you to fall asleep and will also make sure that you have a sound sleep every night.
You’ll Become Stronger Emotionally
Wearing a magnetic bracelet will also have a good impact on your mental health. If you have a history of suffering from stress, anxiety, and/or depression, you’ll experience a significant reduction in the symptoms after wearing this accessory.
The magnets present in these bracelets will force you to think positively, which will automatically make you a more confident and happier person.
Finding merchants who sell magnetic bracelets is not a big task in this day and age. However, if you are looking to wear the accessory to enjoy one or more of the above benefits, it’s crucial that you purchase an authentic product. So, do read the product description carefully before you place an order.
There are many advantages to having a laundry trough in your home. Having a good storage system for all of your laundries will help to prevent dirt and other materials from entering the dryer. There are different styles and sizes to choose from so you will be able to find the one that is going to fit your needs.
Drains For Your Sink: Adding a trough that connects directly to the sink will allow you to pour the dirty water down the drain without having to worry about draining it into the bathtub or worse yet, splashing water all over the floor. Most laundry troughs will also have sinks on them that catch the runoff. You can purchase the smaller laundry troughs with smaller sinks, but if you have a larger family or are trying to conserve space, you will want to go with the standard sized drains.
Faucet-less Washing Tubs: Instead of having to run the faucet to wash the clothes in the laundry tub, you will be able to simply place the faucet on the floor and then turn on the spigot. This installation style will also make room for other features that you may wish to add to your laundry tubs such as an exhaust fan or other accessories. You can find these products at most home improvement stores. They usually come as part of the standard laundry tub purchase.
Countertopaundry Sinks: Installment style laundry troughs countertops on the counter. This is a great way to keep your laundry hidden and out of sight. It will also hide the pipes coming in and going out of the laundry sink. These countertops will usually have sinks on them, but you can purchase countertop sinks that have the pipes concealed. There are even sinks that are made to look like they are attached to the top of a laundry bench. These are great if you have children and want to make sure their dirty laundry is not sitting on the counter.
Drop-In Laundry Sinks: This is an ideal laundry troughs setup if you do not have the space for drop-in sinks. You will still be able to have the sinks installed on the side of the building, but this will allow you to place the sink below the countertop. These sinks usually come with drop-in, but you can install them yourself. These are very popular with condo owners and apartments because of the space savings.
Wall-mounted Laundry Sinks: These are extremely convenient for people who do not have room for drop-in laundry troughs. These sinks are attached to the wall and will look just like a regular fixture in your laundry room. The only difference is the sink is hidden under the countertop and concealed behind a wall panel. These sinks come in a variety of styles and materials, so it is easy to find one to match your current style.
Portable Laundry Tops: These are the smallest of the laundry troughs systems and are perfect for those that need to wash small loads at a time. These are the most portable of all of the options, but most people do not find the portability appealing. Many people choose these simply because they are cheaper than other systems, or simply because they are easier to move around. These are also a good choice for apartment dwellers and for people who wish to reduce their dependence on standard washer and dryer.
All of these options are available and each of them is built to a different standard. So, no matter what the size of your home, you can find a set of laundry troughs to fit. If you are looking for a modern design, check out contemporary designs that are built to be hard-wearing and durable. If you need an affordable set, then look for sets that offer the best value and features for the money.
Today, more than two billion Android and iPhone users rely on the Google Photos app to store their precious photos online. It doesn’t just save storage space. Additionally, photos from all connected devices will be synced. However, the free Google Photos service will end in June 2021.
Google recently announced that it will change its Google Photos app policy by offering unlimited free storage. Starting June 2021, all new images and videos uploaded to Google Photos will be reported for the 15GB of free storage included with each Google Account.
After the company considered ending its free plan, many users looked for alternatives. Luckily, there are tons of Google Photos alternatives that offer similar storage and security.
If you are an Amazon Prime user, all you need to do is search for Amazon photos. Amazon Photos is currently only available for Android on the Google Play Store. The basic membership costs Rs 99 per month and offers many Amazon-exclusive features like access to premium videos, premium music, unlimited cloud storage, etc.
Microsoft OneDrive is another great Google Photos alternative that you can consider. This free plan offers 5GB cloud storage for storing your precious photos, videos and files. Like Google Photos, Microsoft OneDrive syncs your uploaded files across devices. The downside is that Microsoft’s OneDrive premium plan is more expensive compared to Google One.
Dropbox is another best cloud storage option on the list, but it only offers 5GB of free space on the main plan, which is free. The good thing about Dropbox is that you can set the app to automatically upload videos and photos from your camera to cloud storage. Once uploaded, files can be accessed from any device. Dropbox Premium plans start at $ 9.99 / month, where you get 2TB of storage.
MEGA is a little different from everything listed in the article. It offers user-controlled encrypted cloud storage and chat options via a standard web browser. You can even connect with other people via end-to-end user encrypted MEGA video chat. With a free account, you get 15 GB of cloud storage.
Well Degoo is another best Google Photos alternative that you can use right now. The great thing about Degoo is that it gives you 100GB of free cloud storage, which is huge compared to all the other services mentioned. Interestingly, you can increase the free storage limit up to 500GB by talking to your friends. According to the game store list, all files shared on Degoo are encrypted and also offer an automatic backup option.
If you live in India and use Reliance Jio telecommunication services, Jio Cloud might be the best cloud storage option for you. It offers 50 GB of free online storage. There are also referral and win programs that allow you to extend your storage limit. You can save all your photos, videos, documents, audio files, contacts, messages and more. On a cloud platform.
Apple has a stable cloud storage service called iCloud. Unlike Google Drive, iCloud also lets you back up photos safely to the cloud. Free iCloud plans offer 5 GB of free storage. Premium package prices are also quite reasonable. Get 50 GB of free space for just $ 1.
Dubox Cloud Storage offers 1 TB of free cloud storage for every user with a registered account. 1 TB of free space is enough to store more than 300,000 photos, more than 250 films or 6.5 million document pages. Dubox also allows you to access content stored on other cloud storage services.
So these are some of the best alternatives to Google Photos for free storage. I hope this article helped you! Please share with your friends. If you have any doubts about this, let us know in the comments section below.
Are you looking for a way to resolve the pii_email_03e55cc9614a67bd9222 error? If so, here are some methods to fix this problem.
Microsoft Outlook is an equally important part of communication in our lives. Sometimes things work fine, and sometimes I get pii_email_03e55cc9614a67bd9222 error, one of those errors, and we will most likely look at this to fix it.
How to Solve the Microsoft outlook Error Code [pii_email_03e55cc9614a67bd9222]
When you get the Microsoft outlook error code [pii_email_03e55cc9614a67bd9222], it usually means that your Outlook is not doing the job correctly. So what can you do to make Microsoft Outlook work properly? Here are some of the simple instructions:
If you are using multiple accounts with a program that runs on Microsoft Windows, try signing out of accounts, making the cache transparent, and signing in again.
The [pii_email_03e55cc9614a67bd9222] error could be due to the installation process where Outlook conflicts with other email accounts or other software installed on your computer.
Hence, you may need to remove Outlook’s broken version from your PC and install the latest Outlook version from the Microsoft Outlook official website.
Try to use an internet model of Microsoft Outlook web version application.
Update your version of Microsoft Outlook to the current version.
If you are using Windows 10, try using Microsoft Outlook on other Windows versions like 7 or 8.
Contact Microsoft support for further instructions.
We are waiting for our instructions and simple steps to resolve the [pii_email_03e55cc9614a67bd9222] error issue.
If the problem is still not resolved, please write a letter together with the error code to our email [email protected].
We will attempt to find a solution that can help you fix the problem. There are many other bugs I’ve fixed before [pii_email_d4af6b070ffd66f80a96] errors.
If you know a solution to the error, please email us with instructions on using a solution. This is of great help to our readers.
Related Article: How to Fix [pii_email_bdf13af903a8f5707fb2] Error Code in Outlook?
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When it comes to watching movies and TV shows online, Putlocker is one of the best platforms where you can watch movies and TV shows. Putlocker is a free platform that allows users to stream different movies. However, for some reason, many users are unable to use Putlocker. However, you can use a proxy for Putlocker to access this platform.
Like other movie streaming platforms, Putlocker is banned in several countries and regions. So you need to use Putlocker Proxy to get successful access to the site. Below we have provided some working proxies and mirrors that you can use.
Putlocker is a free platform for watching movies and TV shows. You can find thousands of different movies and TV shows on this platform. With its simple user interface and different movie collections, Putlocker is very popular among internet users.
Those who want to watch their favorite movies or TV shows for free can watch them on this platform. Putlocker has a large collection of different movies and TV shows around the world. So you can easily watch your favorite movies on this platform.
It has a powerful search engine so you can search for any movie you want. And watch it later for free on Putlocker. You can also watch movies by genre, best IMDB shows, most watched, recently added, and much more. In general, you can get all kinds of movies and TV shows on this platform. And you can find them easily with Putlocker.
Putlocker offers streaming of HD movies without buffering. So you can watch and enjoy your favorite movies or TV shows on this platform. You don’t get a buffer when watching movies on Putlocker. Just open it and you can broadcast your favorite movie or TV show.
What is Putlocker Proxy?
Putlocker offers free movies and TV shows. For obvious reasons, it’s not available in certain countries and regions. Since Putlocker distributes free copyrighted movies and TV shows, there are many places where Putlocker isn’t available.
As a result, users in certain regions or countries cannot use Putlocker to watch their favorite movies. It is prohibited by the local government. Therefore, users cannot enjoy their favorite movies or TV shows if they are prohibited in their region. However, there is a way to unlock the Putlocker.
You can easily use and unlock Putlocker Proxy. You only need to use a proxy address, not a real blocking address. You can then access Putlocker successfully and then watch your favorite movie or TV show on the platform.
Putlocker is also popular and one of the best movie streaming platforms out there. So if you can’t access this platform, you can use Putlocker Proxy and open the platform. You can then stream any movie or TV show you wish to use Putlocker for.
Putlocker Proxy Sites/Mirror List
Below are some of the working Putlocker proxies which you can use to access the platform. Just open one of the following URLs in your browser and you can access the platform.
If you wish to use an alternative to Putlocker, you can too. There are many alternatives available in Putlocker. You can watch movies and TV shows for free with this alternative. Just use one of the alternatives below to watch free movies and TV shows. Below are some working alternatives to Putlocker that you can use.
EZTV is a TV streaming platform that allows you to download the latest TV shows. You can find various TV shows around the world which you can download for free from EZTV. EZTV has a large collection of different TV shows. So you can search for your favorite shows and watch them on EZTV.
YesMovies is one of the best and most perfect alternatives to Putlocker. YesMovies, like Putlocker, is another platform for streaming movies. On this platform, you will find hundreds of different movies and TV shows that you can watch for free. YesMovies has a large collection of movies and TV shows.
Another great alternative to Putlocker is Watchseries. If you just want to download or stream the latest TV shows, you can use this platform. Watchseries is a free platform for streaming and downloading TV shows. So, on Watchseries, you can find lots of different TV shows which you can watch for free.
FMovies is a popular TV show and movie streaming platform that you can use as an alternative to Putlocker. You can find hundreds of different movies and TV shows on FMovies. You can easily watch them on FMovies. So FMovies is the perfect alternative to Putlocker.
ISOHunt is a free torrent download platform where you can download various movies, TV shows, games and music torrents. ISOHunt is known for its powerful torrent search engine and large collection. So if you want to watch a movie or TV series, you can simply download it using ISOHunt.
If you cannot access Putlocker, you can use one of Putlocker’s proxies and access the site successfully. Putlocker is a free streaming platform. So, we recommend using a proxy to watch your favorite movies or TV shows with Putlocker.
Bidets are a great addition to your bathroom as they help you to maintain your personal hygiene in a more sustainable manner. And the best part is that a bidet will pay for itself in the long run given all the money you will save on toilet paper costs.
So, if you are thinking of purchasing one then it is best that you read this blog in order to understand what are the different types of bidets available and what are the various aspects that you need to consider before you make your final choice.
Here Are All The Different Types Of Bidets You Will Find:
Portable Bidet Sprayer: This is also known as a travel bidet, these types of bidets can come in either manual or battery operated variations. Designed to be compact so that they can be easily stored away, these bidet sprayers have a water storage tank/bottle and a nozzle.
In a manual or non-electric version, you will simply fill the bottle and squeeze the bottle to use the bidet whereas in an electric portable bidet, there is a small pump fitted that pushes the water from the nozzle.
The main thing to consider here will be the size of the bidet, especially if you are using it to travel, you see space in the luggage comes at a premium.
Bidet Sprayer Kit (Handheld Sprayers): A bidet spray or sprayer kit consists of a hose pipe and a handheld spray gun that has an in-built trigger to control the pressure of water when the bidet is in use.
A bidet spray is one of the most economical options when it comes to bidets and can be easily installed utilising existing water connections.
The main things to look out for when buying a handheld bidet sprayer kit include, what comes out of the box i.e. it should contain all the parts that you need to install it and get , the presence of a back-flow prevention valve and the quality of the bidet sprayer i.e. is it non-corrosive.
Bidet Attachment: This type of a bidet simply attaches to an existing toilet seat and can be controlled using a controller that comes built into the attachment. A very economical option in terms of the cost of the device and in terms of installation.
Some things to keep in mind include the width of the toilet and if all the parts required to install the device come in the box.
Manual Bidet Seat: A manual bidet seat is a toilet seat that comes with a bidet sprayer attached to it. It also comes with a controller that provides a number of different functions including posterior and feminine.
The main thing to look out for when buying a bidet seat is the shape and dimensions of your existing toilet suite. Make sure that you take a note of these before you choose a bidet seat. Also, ensure that you have a backflow prevention valve fitted at the point of water supply, if required by your local legislation.
Electric (Smart) Bidet Seat: The best in terms of bidets you will get in the market. These are bidet seats that come with a number of different features including posterior, feminine, swing, massage and enema. That’s not all, you also get a heated seat, an air dryer for after-cleaning purposes and a self-cleaning nozzle.
Some things to keep in mind include, the shape and dimensions of your toilet bowl, presence of an electric connection near the toilet suite and the need of a backflow prevention valve.
Standalone Bidet: This is a completely separate fixture that needs to be installed in the bathroom and is roughly the size of a toilet suite. The big question here before you decide to buy one is whether you have the space to accommodate it or not.
Shangri La Online Casino & Sports now offers sports betting in a variety of categories:
It is one of the best betting sites in the online gambling industry today. Every visitor can be guaranteed good sign up rewards and generous deposit bonuses. The portal always offers the most relevant and competitive odds for betting on a wide range of sports disciplines, tournaments and leagues.
Shangri La brand history began with land-based casinos located in European capitals. Currently it also offers many online gambling options and products. Therefore, thanks to the support of an internationally recognized company, Shangri La bookmaker is one of the most reliable on the Internet.
In addition to sports betting, the interactive portal offers many other gaming opportunities. Here you can find online casino slots, live dealer games, board game simulators and scratch cards. What’s nice is that all this variety is available from one account.
The site guarantees a consistently high speed of processing any transactions. It also provides a large number of options for depositing funds and withdrawing winnings. Players can use credit cards and various electronic payment systems, and for larger deposits, bank transfers. All funds in the gaming account, as well as in casino games and in the bookmaker, are displayed in the currency that was selected during registration.
Shangri La offers an impressive list of bet types and a wide range of limits. The site is ideal for both amateurs and professional players. The platform is easy to use and has a great design.
Traditional betting opportunities
Shangri La Virtual Platform regularly expands its offerings catalog by adding more sports and increasing the list of bets. They cover a wide sports disciplines variety, including soccer, basketball, hockey leagues from almost any country. You can also place bets on such little-known sports as cricket, futsal or darts.
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Live betting is one of the best options for e-sports betting. Shangri La has everything you need to do this. You can place your bets while the match lasts – a great way to align your actions with the team’s performance and choose the best strategy to win.
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For years, many employers have been on the fence about whether they should offer flexible benefits plans to their employees.
And they have every right to be.
For business owners of both large and small businesses, taking of the staff should be a priority.
You want to ensure that your organization meets the needs of your employees.
Otherwise, chances are, they’ll be handing you their resignation letters faster than you can blink your eyes.
Just look at a 2018-study from the American Institute of Certified Public Accountants (AICPA).
Last year, findings from the AICPA report proved that 80% of Americans valued perks given by their boss even more than just a 30% salary increase.
Workers appreciate the non-monetary add-ons you give them. That’s clear.
Therefore, it’s only natural for you to be a bit hesitant before deciding on one of the many benefit plans out there.
If you don’t know what flexible benefits plans are or whether you should offer them to your employees, you’ve come to the right place.
In this guide, I’ll teach you all that you need to know about these plans.
Let’s get right to it.
What are Flexible Benefits Plans?
Flexible benefits plans are compensation systems offered to employees that give them the power to modify their salary and benefits package based on their personal preferences.
The executive management team approves these packages and presents them to employees. Employees pay for flexible benefits through payroll deductions from pre-tax income.
Flexible benefit programs are not to be confused with voluntary benefit plans.
The difference is that with voluntary benefits schemes, employees have to pay extra for the perks or insurance plans that your offers: with flexible benefit programs, they don’t.
Instead, employees can either:
Keep their current salary and select a combination of benefits that don’t cost them extra money
Lower or increase their base or take-home pay by taking more or fewer benefits
These modifications to salaries enable beneficiaries to cover their perks using their gross income (i.e. the money an employee gets before taxes are deducted).
Businesses base their flexible benefits plans on perks that their employees would appreciate.
401K Contributions (Retirement benefits)
Reimbursement accounts such as HRA that employees can access for -approved out-of-pocket expenses
Health Savings Account
Care for the elderly
The benefits listed above are just some of the more common offers that companies make to their employees. A business is free to decide on the benefits that it believes its employees would prefer.
Types of Flexible Benefits Plans
As I mentioned before, flexible employee benefits enable staff members to cover business-approved expenses with their pre-taxed income.
Because they’re so flexible, there is more than one type of plan that employers can use to facilitate the benefits given to their workers.
Here they are:
Premium Only Plans (POP) – Premium Only Plans are the most basic flexibility benefit programs out there. In simple terms, these types of plans subtract insurance premiums (deducted from a ‘s payroll) from each staff member’s gross pay and not his or her net pay. In other words, it’s a tax saving way for employees to pay for the benefits that you have offered to them. This is because they pay for coverage under the various programs you offer using their pre-tax salary, allowing them to save on their expenses.
Flexible Spending Accounts (FSA) – With FSA plans, employees can allocate a piece of their salary (before the income tax) to cover out-of-pocket expenses like childcare/daycare or health care. Based on the amount the employee decides on, you create an annual payment plan which the employee pays monthly. As the employer, you put the funds in a safe and secure place until a member of your staff submits a claim. Once that claim has been approved, you release the funds from the safekeeping account to the employee.
Medical Flexible Spending Account (MFSA) – Employees can only submit claims on qualified medical expenses. To know which health care expenses qualify for this health plan, please refer to the IRS Publication 502 (Medical Expenses). Just like with FSAs, whatever amount the employee puts aside from their salary is held in a special account. That money will be refunded to the employee once the claim is approved.
Child/Dependent Care Flexible Spending Account – Employees can dedicate a portion of their salary to the cost of caring for their kids, elder care, and disabled spouse. Navigating the legal intricacies of these types of plans can be challenging. For that reason, I recommend that you speak to your tax advisor to know more about non-taxable benefits and your taxable income. In the meantime, you can familiarize yourself with the IRS Publication 503 (Child & Dependent Care Expenses).
Full Flex Plans – Also called “Cafeteria Plans”, Full Flex Plans are variations of the standard Section 125 plan, just like FSAs and MFSAs. With these, employees are awarded a fixed of ‘flex credits.’ With these credits, your employees can pick the benefits that they want coverage for. Each benefit costs a certain of credits. When the employee has selected all of his or her preferred benefit(s), if there is a surplus of credits, that worker is entitled to the equivalent in taxable cash compensation.
Pretax Transportation Plans – This type of plan permits employees to use part of their salary to cover expenses related to transportation. These expenses can be for parking, mass transit, or the cost of fuel. The great thing about these plans is that an employee isn’t boxed into a year-long payment. Whatever monthly allocations the employee doesn’t use can be rolled over until such time when he or she submits a claim.
As you can tell, there are lots of plans that you can offer to your staff. Be sure to carefully weigh the pros and cons of each one before you make your decision.
Flexible Benefits Plans: Why You Should Get On Board
Want to know what’s in it for you and your staff when your organization rolls out? Here’s what you can expect:
Satisfy Their Needs – With flexible benefit plans, your staff is largely responsible for the benefits that they want. This is especially true for Full Flex Plans. By giving them this option, you can be sure that they are satisfied with the combination of perks that they choose.
More Comfortable With Their Plan – In getting a thorough breakdown of the various plans that your organization offers, your employees get to better understand the plans that you have. What’s more, they also see even more clearly the benefits of each one of the perks offered. All of this contributes to raising your organization’s transparency as well as developing a positive attitude among your workers toward their job.
Self-Empowerment – Employees get to feel that their opinion is valued and that you appreciate their input in the decision-making process.
Increased Personability – By offering these plans, it shows consideration to your employees. In turn, it will help them to see you in a more humane, personable light that fosters a better working environment.
Helps To Keep Your Staff – If the flexible benefits that you put on the table are appealing and competitive, members of your staff will be less likely to quit.
Helps You Organize Your Finances – Because the plans remunerate employees at fixed prices, employers can organize their expenses in a clear and concise way.
Apart from these benefits listed above, there is another perk you can have up your sleeve as a major incentive to employees: student loan repayment benefits.
Why You Should Offer Student Loan Repayment Benefits
Assistance in student loan repayment is the best benefit you can offer an employee.
Last year, Forbes was just one of the many sources that reported and confirmed this.
Earlier this year, Forbes released a report indicating that stats showed a $1.5 trillion student debt crisis in the US.
44 million borrowers are held responsible for student loan repayments that can go up to almost $40,000 a borrower.
One of these borrowers could be your employee.
If you want to reel in recent graduates, you need to widen the range of perks you give as employee benefits. That means including some type of assistance to those employees who need help climbing out of student debt.
It also means aligning yourself with a reputable that offers a compelling package that you can outsource to handle your employees’ student debt. That’s where FutureFuel can help.