Sales Analyst Lands Business Analyst Position in Equipment Leasing Firm

Sales Analyst Lands Business Analyst Position in Equipment Leasing FirmSales Analyst Lands Business Analyst Position in Equipment Leasing FirmSales Analyst Lands Business Analyst Position in Equipment Leasing FirmHaving my resume professionally done by Carla at the Resume Place was really the best money I ever spent. Working with Carla to define my strengths and my experiences was cathartic and helped to get through a difficult time after losing my job. The new resume was a real confidence boost. When you get that resume back, you really get a sense of Im awesome, that you are worth more than you thought and more than you could put on paper yourself. Being a young professional, I didnt have 20 years experience but I now had confidence. Within six weeks I had two job offers. I think getting laid off was probably the best thing that happened for me. I am at new job, at a better office, with better benefits and salary increase of 60%+. I dont think I would have been able to get to my st andort without your help.Date Hired February 2014Jobseeker Type Private SectorPrevious Job Title Director of Sales/Advertising Sales ManagerTarget Job Title Sales Analyst / Account ManagerResult Business Analyst, Equipment Leasing Software CompanyWriter/Coach Carla Waskiewicz, CPRW, CFRWCStrategy/Process The clients original private industry resume was a long list of bullets for each of the positions he had held over six years and there were no clearly defined accomplishments. He had recently been laid off from his position as Advertising Sales Manager for a start-up division that had failed. He was struggling to represent the experience on his resume. I worked with him to quantify accomplishments and restructure his experience to better showcase his areas of expertise and career progression.

Vaults New Guide to Legal Practice Areas

Vaults New Guide to Legal Practice AreasVaults New Guide to Legal Practice AreasWhat does a securities litigator do all day? Which courses are recommended for budding private equity attorneys? What does it actually mean to be an international lawyer?Unfortunately, a traditional law school curriculum doesnt do much to help students figure out what its really like to practice in different areas of the law. Thats where our new guide- Practice Perspectives Vaults Guide to Legal Practice Areas- comes in.Practice Perspectivesis the insiders guide to what its really like to be a practicing attorney in mora than 20 different areas* of the law. Whether youre preparing for on-campus interviews, already have a summer associate job in the bag, are looking to make a lateral move, or are considering applying to law school,Practice Perspectivesis a vital career exploration tool. In the guide, youll find more than 30 interviews with attorneys who are at the top of their fields at some of the most pr estigious law firms** in the country. We asked these partners and associates all about their specific practice areas- the types of clients they represent, the best and worst aspects of working in their chosen fields, and what misconceptions exists about their specialties.Each attorney featured in the guide answered the following questionsWhat, substantively, does your practice area entail?What types of clients do you represent?What types of deals and/or cases do you work on?How did you decide to practice in your area?What is a typical day or week like in your practice area?What is the best thing about your practice area?What is the most challenging aspect of your practice area?What training, classes, experience or skills development would you recommend to someone who wishes to enter your practice area?What misconceptions exist about your practice area? What do you wish you had known before joining your practice area?What is unique about your practice area at your firm?If your school subscribes to Vaults Career Insider, you can downloadPractice Perspectivesfor free through your schools career services website. Otherwise, check out the guide herePractice Perspectives Vaults Guide to Legal Practice Areas.*Practice areas covered in the guide include Antitrust Appellate Litigation Bankruptcy/Creditors Rights Clean Technology/Renewable Energy Energy, Oil Gas Financial Services Commercial Litigation Corporate Intellectual Property International Law Intellectual Property IP Boutiques Labor and Employment Litigation Boutiques Mergers Acquisitions Private Equity Products Liability Real Estate Securities Securities Litigation Tax Technology and White Collar Defense/Internal Investigations.**The attorneys interviewed come from Allen Overy, Cleary Gottlieb, Cooley, Davis Polk, Dechert, Finnegan, Freshfields, Goulston Storrs, Knobbe Martens Olson Bear, Latham, Littler Mendelson, Mayer Brown, Milbank, Molo Lamken, Orrick, Paul Hastings, Ropes Gray, Seyfarth Shaw, Skadd en, Sullivan Cromwell, Weil, and White Case.

March 1 is the Deadline for Four ASME Awards

March 1 is the Deadline for Four ASME Awards March 1 is the Deadline for Four ASME Awards The ASME Honors and Awards Committee is now accepting nominations for four ASME Society-level honors - the Henry Hess Award, the Holley Medal, the Melville Medal and the Worcester Reed Warner Medal. March 1 is the deadline to submit nominations for each of these awards. The Henry Hess Award is given for best original technical paper presented to or published by the Society at least two calendar years prior to the year of award by a student or professional ASME member who was not yet 31 years of age at the time the paper was submitted to the Society. Joint authorship is permissible provided all authors meet the requirements. The Holley Medal is given for outstanding and unique acts of an engineering nature, accomplishing a noteworthy and timely public benefit by one or mora individuals for a single achievement, provided the contributions are equal or comparable. More information on the no mination process can be found at www.asme.org/about-asme/honors-awards/achievement-awards/holley-medal. The Melville Medal is the highest ASME honor for the best original paper published in the ASME Transactions during the two calendar years immediately preceding the year of the award. The paper may have more than one author, but one of the authors must be an ASME member. The paper should be specifically recommended for the medal by a review committee or qualified individual. The Worcester Reed Warner Medal is awarded to an individual for outstanding contribution to the permanent literature of engineering. Contributions may be single papers, treatises or books, or a series of papers. The contributions should be progressive ideas relating to engineering, scientific and industrial research associated with mechanical engineering the design and operation of mechanical and associated equipment industrial engineering or management, organization, operation, and the concomitants of each or other subjects closely associated with those mentioned. To qualify as having permanent value, any paper or treatise be at least five years old. The deadline for submitting nominations is March 1, 2013. For more information on the Hess, Melville and Worcester Warner Medal, please visit the Literature Awards page on ASME.org.

Parental leave bill would be funded by retirement benefits

Parental leave bill would be funded by retirement benefitsParental leave bill would be funded by retirement benefitsOn Thursday, Sen. Marco Rubio, R-Fla., unveiled legislation that would give American families federal paid leave for at least two months. The catch? The money would come from yourfuture Social Security payments.If you choose to withdraw from those monthly wages now, you would have to delay the date at which you can receive Social Security retirement benefits later in life. Calling paid family leave the social insecurity of our time, Rubio said his Economic Security for New Parents Act would give families more options to finance the costs of raising a new child.No one is required to do this, but everyone will have the option of saying, Im going to take some of my benefits, Rubio said. These are your benefits, not anybody elses.The United States currently does not federally mandate any paid family leave, a position that makes the nation an outlier among developed countri es.What the paid family leave plan will give and cost familiesRubio acknowledges that his plan is a unique approach unlike other plans around the world that force employers to pay for leave, or fund it through taxes, this fund is coming straight from your future self. Critics slammed the bill for forcing families to pick between their kids and their retirement, sacrificing their futures to fund their present.A program that only covers parents caring for new children, provides no leave for family care and personal medical needs, and forces parents to choose between paid leave and retirement security is absolutely the wrong way to go, Debra Ness, the National Partnership for Women Families president,said in a statementWednesday.According to the advocacy groups survey, the top reasons Americans take family and medical leave today are not to take care of a new child, but to care for their own illness (52%) and tocare for a sick family member (31%). Rubios bill would only coverchildbirt h or adoption as conditions to receive family leave.Rubios bill would let parents making below a median family income of about $70,000 to take a two-month leave at over 70% of their wages. But according to analysts, large families would pay for that later. Parents who take four 12-week leaves over their lifetime would lose 10% of their Social Security retirement benefits, according to oneApril analysis from the Urban Instituteabout this plan.This is not the only national paid leave plan in the pipeline. Sponsored by Sen. Kirsten Gillibrand, D-NY, the FAMILY act proposed in early 2017 would guarantee paid family and medical leave to workers, and would be funded through payroll taxes, a model similar to what California has already passed.

Uf Msf Resume - the Conspiracy

Uf Msf Resume - the Conspiracy Your LinkedIn profile ought to be an authentic snapshot of your on-line presence as a professional. When you next run a project take a minute to consider whether your aims are SMART objectives. Writing a resume for a non-government position your primary objective is to find an interview. The goal in creating a profile is to raise your visibility on LinkedIn to recruiters and employers who are looking for talented candidates just like you. The New Fuss About Uf Msf Resume Financial advisors work in a number of settings. Many industries have professional organizations where you are able to take parte in discussions that are associated with your area. When you graduate, you are going to join an exceptional network of over 136,000 MIT alumni, representing 90 nations around the world. Make certain you utilize Walk-In Advising to guarantee youre providing employers with the very best possible cover letter. Each field will be different on what is sug gested to include in ones portfolio. Job prospects is going to be the most appropriate for nurses who opt to work in doctors offices. This information is required to finish your FSU graduate application. Dont hesitate to ask questions, however, there are some Canadians. Choosing Good Uf Msf Resume Students take thorough coursework to learn to manage an organizations money and earn investment decisions. Masters students may specialize in a specific facet of financial management, in preparation for a particular career path, and ought to become proficient in the assorted tools and competencies required to manage, analyze and advise on various forms of financial data and products. Several certifications are offered for financial advisors, usually after theyve accrued three decades of work experience. Your experience should deal with every necessary qualification in the job announcement. ansicht individuals will be accountable for developing a list of recommended candidates, p robably in a limited quantity of time, which means that your document has to be precise and specific at the very first reading. These kinds of resumes are most frequently employed for someone who would like to change their career path entirely or have limited experience. You must organize your resume to aid agencies evaluate your experience. If you dont supply the info necessary for the hiring agency to ascertain your qualifications, you may not be considered for the job. Hiring agencies will search for certain terms in your resume to make sure to have the experience theyre seeking. Federal jobs often need you to have experience in a particular kind of work for some period of time. Printed Course Schedules are no longer offered, but every on-line schedule contains a printable edition. Documents apart from resumes wont be critiqued in the system and will just be qualified for use. Educational Background The information within this section is usually given with the latest trainin g listed first. The Finance Professional Speaker Series brings finance professionals throughout the fall and spring to examine their field of expertise. The Fight Against Uf Msf Resume Focus on these sections to understand whether you meet the requirements for the position. Portfolios offer evidence for your abilities and qualifications. Youll also have to keep abreast of current financial trends and past financial patterns. In case you have any questions regarding our ranking methodology, please get in touch with us. The main way of analyzing each topic is via reading and presenting a scenario, a report, or a research report about a particular firm. Imagine the options. Additionally, there are two other documents you should SF-171 and OF-612. Information regarding commencement are available on the UF Registrars website. However, now its possible to publish a form template for a site content type. Duplicate registration allowed inside the same term. The History of Uf M sf Resume Refuted Students are exploring a finance career to ascertain if they would like to pursue additional education. They will also be required to conduct their own independent research in the form of a dissertation. They can start the CFA preparation courses in their last semester. Certificate students do notqualify for federal financial support but might be qualified for private student loans. The schools listed below are a few of the highest universities offering Masters without GRE. Requirements can vary based on what sort of student youre. Degree seeking students might qualify for federal financial help, and ought to complete the FAFSA for a determination. Check out each of our Academic programs to see your choices. The Key to Successful Uf Msf Resume When on-campus education isnt possible, prospective students may realize that online learning is a best alternative. Students learn to analyze prospective roadblocks and formulate solutions. They cannot reservierung a card until they have registered for a course. Depending on the program, they may be required to participate in regular seminars to gain exposure of developing research.

Remote Careers At Appsembler

Remote Careers At Appsembler Studies show that diverse teams are not only mora efficient, but they perform better and produce higher-quality work. The same can be said about companies who empower their team members to work remotely from wherever they areOne of our newest partners, experiential learning platform Appsembler, believes wholly in the value of both. Harry Klein, Appsemblers VP of Customer Success, leads a 100% distributed, diverse team, capitalizing on their unique backgrounds and experiences in order to best serve customers - and hes hiringHarry gave us the inside scoop on how you can score your next role with Appsembler - Whats a hot tip about your vorstellungsgesprch process that PowerToFly members can know?HK Appsembler offers a free trial of our SaaS platform. Anyone interested in joining Appsembler should sign up for one and spend some time with the platform. One of the biggest challenges in alfruchtwein all industries today is achieving gender parit y. Gender diversity provides huge benefits in the workplace. pWhile some industries have made significant advancements in gender diversity, some industries lag further behind... and the construction industry is well-known for being in the latter category. If someone says, construction workers, youll likely picture a group of men in yellow hard hats analyzing an architects plans or laying bricks on top of a scaffold. And men at work signs only help to reinforce this image.pThis stereotype is rooted in reality. When was the last time you actually spotted a woman on a construction site? Or hired a female plumber or carpenter? Your answer is most likely never. In fact, the Bureau of Labor Statisticsreports that only 3.4% of the total of 8.3 million construction employees are women.pBut the construction industry has a lot more to offer than steel-toed boots and hard hats, and it needs women to help advance the industry in this era of rapid change. Here are 5 r easons why women joining the workforce or looking to make a pivot should consider a career in construction.h21. Fuel Innovation/h2pNot only is diversity the socially and morally right thing to do, but it is also actually an excellent business strategy. pResearch presented in the Harvard Business Reviewshows that diverse teams develop more innovative ideas. This is further supported by a study conducted by Gallupon the performance of gender-diverse teams versus single-gender teams, which found that the difference in backgrounds and perspectives led to better business performance and problem-solving. h22. Capitalize on Demand/h2pThe construction industry is currently experiencing a labor shortage. The industry itself is booming and projected to be one of the fastest-growing industries, with total spending projected to exceed $1.45 trillion in 2023/a. However, most construction companies are unable to meet the rising demand. pAccording to the Associated General Contractors of America/a , more than 80% of contractors are experiencing difficulties filling hourly craft positions that represent the bulk of the construction workforce.pAnd demand isnt limited to individual contributor roles. Given the industry boom, there are a number of open stable and high-paying roles (any project managers out there?) waiting for the right candidateh23. Leadership Opportunities/h2pAccording to the Bureau of Labor Statistics/a, women compose only 7.7% of the total 1 million managerial positions in construction.br/pBut given the highly collaborative nature of construction work, more women in leadership roles would help drive innovation and enhance productivity.Furthermore, as a woman in construction in a leadership position, youd have the unique opportunity to drive change for the industry and make it a more attractive option for other women.h24. High-Income Potential/h2pSalaries for many skilled positions in construction are on the rise, making a construction career a prime choice for women looking for a high-paying job,pThe 2018 Construction Craft Salary Surveyconducted by the National Center for Construction Education and Research revealed that salaries for many skilled craft areas are increasing. Project managers and project supervisors topped the list at $92,523 and $88,355, respectively. The next tischset of highest-paying jobs include those of combo welders ($71,067), instrumentation technicians ($70,080), pipe welders ($69,222), power line workers ($68,262) and industrial electricians ($67,269). Of the 32 categories of workers in the survey, 19 positions earned an average salary of $60,000 or higher.h25. Sense of accomplishment/h2p The construction industry can give employees a unique sense of achievement. Yes, the job is stressful and the work can be demanding, but nothing beats the feeling of being able to build something from the ground up. pHow many professionals in other industries can point at a school, a hospital, or a skyscraper and say I helped b uild that?pThe construction industry has a long way to go in combating gender bias and supporting women in the workforce, but given the current demand for workers, theres no better time to pick up a sledgehammer (figurative or literal) and smash the gender stereotypes plaguing the construction industry.

Top 50 Popular Job Interview Questions

Top 50 Popular Job Interview QuestionsTop 50 Popular Job Interview QuestionsThere are many steps you can take to make sure your einstellungsgesprch goes smoothly. One of the easiest ways to get ready for your next job vorstellungsgesprch is to familiarize yourself with the popular questions that are frequently asked in interviews and to practice your answers. You can start by reviewing the top 50 popular interview questions asked by employers, as well as the sample answers for each question on the list. Click through to the Best Answers links to get tips on what information you should include in your response - as well as what details to leave out. You can expect to hear at least one - and likely more - of these questions during your next job interview. Top 50 Interview Questions With Answers Are you the best person for this job? Why? - Best AnswersAre you overqualified for this job? - Best AnswersDescribe a difficult experience at work and how you handled it. - Best AnswersDescr ibe yourself. - Best AnswersDescribe your best boss and your worst boss. - Best AnswersDescribe your career goals. - Best AnswersDescribe your work style. - Best AnswersDo you prefer to work alone or on a team? - Best AnswersDo you take work home with you? - Best AnswersGive some examples of teamwork. - Best Answers Have you ever had difficulty working with a manager? - Best AnswersHave you gotten angry at work? What happened? - Best AnswersHow do you handle stress and pressure? - Best AnswersHow do you measure success? - Best AnswersHow long do you expect to work for this company? - Best AnswersHow much do you expect to get paid? - Best AnswersHow would you describe the pace at which you work? - Best AnswersHow would you describe yourself? - Best AnswersHow would you handle it if your boss was wrong? - Best Answers If the people who know you were asked why you should be hired, what would they say? Best AnswersIs there a type of work environment you prefer? - Best AnswersTell me abo ut yourself. - Best AnswersTell me why you want to work here. - Best AnswersWhat are you looking for in your next position? - Best AnswersWhat are you passionate about? - Best AnswersWhat are your goals for the future? - Best AnswersWhat are your salary requirements? - Best AnswersWhat can you do for this company? - Best AnswersWhat can you contribute to this company? - Best Answers What challenges are you looking for in your next job? - Best AnswersWhat did you like or dislike about your previous job? - Best AnswersWhat do you expect from a teamberater? - Best AnswersWhat do you find are the most difficult decisions to make? - Best AnswersWhat have you learned from your mistakes? - Best AnswersWhat interests you about this job? - Best AnswersWhat is your greatest strength? - Best AnswersWhat is your greatest weakness? - Best AnswersWhat major challenges have you handled? - Best Answers What problems have you encountered at work? - Best AnswersWhat was your biggest accomplishment (f ailure) in this position? - Best AnswersWhat was most (least) rewarding about your job? - Best AnswersWhat relevant experience do you have? - Best AnswersWhat will you do if you dont get a job offer? - Best AnswersWhy are you leaving your job? - Best AnswersWhy do you want this job? - Best AnswersWhy did you resign? - Best AnswersWhy did you quit your job? - Best AnswersWhy were you fired? - Best Answers Why should we hire you? - Best AnswersWhat do you know about this company? - Best Answers In Addition to Answering Interview Questions An interview is more than just being asked questions by an interviewer and responding correctly. Its your opportunity to make a great impression, and showcase what an asset you will be to the company. Make sure you dress for success and arrive prepared to get offered the job. Be aware that there are questions you shouldnt be asked during a job interview as well, such as personal questions about age, race, family status, etc. During an interview, the questions asked should all address only your ability to perform the job.You are not obliged to discuss or disclose anything else. Its important to have some questions to ask the interviewer prepared for when you are given the chance. Doing some research about the company and its policies and culture will ensure that your questions are relevant, and will show the hiring manager how interested you are in the position. Be sure to follow up with a thank you note after your interview. This gives you the opportunity to reiterate both your interest in the job and some of your most pertinent qualifications. By expressing your appreciation for the interviewers time and consideration in a timely manner (you should get an email out within 24 hours), you will reinforce the excellent impression you made during your interview.

4 Career Transition Tips for Big Bird (and You!) - FlexJobs

4 Career Transition Tips for Big Bird (and You) - FlexJobs4 Career Transition Tips for Big Bird (and You) -30WhenBig Bird was warned that he might face the prospect of being laid off in the near future, we thought wed take a productive approach. After all, if Big Bird were dismissed, hed find himself in the same position as millions of Americans over the last few years- suddenly thrust out of a job theyve held for decades, trying to gain their footing and transition to a new career.If Big Bird came to us for career advice on how to transition from his old job into a new career, wed give him the same tips that wed offer any job seeker in his (extremely large, if he wore them) shoes.For Big Bird, but more importantly, for you, here are four career transition tips.1. Take time to grieve, and then get going. Especially if youve been in the same career or job for many years, being forced suddenly to look for new work brings up all sorts of emotions anger, sadness, nervousness, tension, f rustration. And as you can see, the emotions arent necessarily positive ones. Its vitally important that you give yourself a chance to grieve over your lost job. Once youve been able to emote, its time to get moving again.2. Before you act, create a plan for yourself.Its tempting to jump online and start applying for jobs, but without direction or purpose, your job search wont be successful. Your plan should include these steps, as offered by Dr. Woody, career coach and author of The YOU PlanConsider your values. What drives you and your actions? What are the values by which you live? What careers are in line with your values?Know what value you offer. What do you have to offer an employer? This includes your experience, skills, knowledge, abilities, personality, affiliations, contributions, and relationships.Understand your passions. Know what excites and fulfills you, and then consider which of your passions are viable career options.Learn what differentiates you from your competi tion. What makes you unique and valuable to an employer? What do you have that most other job seekers arent offering? How are you packaging or branding yourself as a professional?Draw yourself a roadmap. Create a long-term direction for yourself, and determine the short-term goals that will get you there. Identify multiple avenues and career options so that you have several paths to success. And meaaya your achievements by setting milestones for yourself. Milestones can include things like sending out 5 job applications every week, Joining three professional associations in your field, and using LinkedIn to expand your professional network.3. Refresh your skills and experience.If youve been working in the same career for years, and youre hoping to transition to something new, its time to take stock of your skills and experience. To update your skills and gain new experience, try taking classes, volunteering, doing an internship or apprenticeship, getting a new certification, or othe r ways to learn new skills for your new job.4. Learn how to be a successful career changer. Check out these 5 Tips for Career Changers and this Job Search Checklist for Career Changers to make sure youre covering all the bases as you launch yourself into your next career.Readers, what career transition tips do you have? Tell us in the comments section below

Qualified High Deductible Health Plan

Qualified High Deductible Health PlanQualified High Deductible Health PlanIn the past few years since the qualified high deductible health plan (HDHP) was signed into law in 2003 as part of the Medicare Modernization Act, it has helped millions of Americans to afford the monthly premiums of health insurance programs. The original purpose of HDHPs was to lower health care costs by pushing plan members to analyze their health care decisionswhile making insurance premiums more affordable to everyone. Qualified HDHPs are plans that meet the requirements for plan members also to utilize a health savings arrangement or health reimbursement account to help stretch health dollars further. Some critics believe that high deductible health care plans actually hurt consumersbecause they never fully pay the annual deductible before the plan year ends, so they get reduced titelseiteage until that time. However, the vast majority of employers offer a three-tiered choice of health care plans, and HD HPs are generally the preferred plans offered, outside of HMOs and defined contribution options. How Do HDHP Plans Work? Employers can elect the type of HDHP offered to employees. An HDHP can allow for only in-network coverage, similar to an HMO, or allow for out-of-network coverage, similar to a POS or PPO plan. If a plan has in-network benefits only, members cannot go outside of the network once the deductible is met. For a plan that allows both in- and out-of-network benefits, members will usually receive better benefits by staying in-network. All in- and out-of-network benefits offered through the HDHP plan, including prescription drug coverage if offered, must apply towards the deductible. Many, but not all, HDHP plans will actually cover preventive and primary care physician visits for a low copayment, though this is not necessary. HDHP plans are not meant to cover the initial health care costs such as preventive, specialist and laboratory visits. Instead, they are meant t o cover catastrophic events such as chronic illnesses or extended hospital visits. Plan policyholders are expected to pay medical office and facility payments till the deductible is met. Once members reach the out-of-pocket maximum, all medical services are covered at no costs. What is the HDHP Deductible and Out-of-Pocket Maximum? HDHP plan members have higher annual deductible costs for their health care coverage, as the plan name suggests. The deductible is the amount of money a plan member must spend from his/her pocket before coverage kicks in. At least part of this deductible amount is covered by the HSA or HRA. As part of the legislation, there are minimum deductible limits set each year and adjusted for inflation, for a plan to qualify as an HDHP. The Internal Revenue tafelgeschirr (IRS) determines the annual limits for high deductible health care plans. Deductible Minimum Individual 2016 - $1,300Family 2016 - $2,600 The annual out-of-pocket maximum is the maximum amount of money the member pays before medical services are provided at no cost. The annual out-of-pocket maximum includes deductibles and coinsurance payments. Not included in the out-of-pocket maximum are lifetime maximum benefits, usual, customary and reasonable (UCR) amounts, existing benefit limits and pre-certification requirements. Like the HDHP deductible minimum, the out-of-pocket maximum is adjusted each year for inflation. Out-of-Pocket Maximum Individual 2016 - $6,550Family 2016 - $13,100 There is also an IRS approved catch up contribution for those who are 55 or older of $1,000 per individual. Benefits for Employers Since HDHPs do not offer extensive health coverage, they offer much lower premiums to the consumer. With the higher deductibles, its thought that plan members are less likely to see a physician unless its medically necessary. Its also thought that patients will seek out health services that offer good value for the dollar. Using an HSA or HRA with the HDHP can help lower premium costs, or seek self-pay options with providers who offer discounts. The HDHP plan means employees pay the lions share of the deductible amount, keeping costs down for everyone.