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MAKING HR OUTSOURCING DECISIONS Lured by the promise of 20% to 40% cost savings, some companies have outsourced critical HR functions only to be disappointed with the results. Either promised savings have not materialized or the quality of HR services and hence employee morale has suffered. By the same token, many companies have realized significant savings while enhancing services. To avoid penny-wise and pound-foolish results, controllers must ensure that this critical corporate decision is systematically thought through and planned from start to finish. The hard-won experiences of other companies can provide a guide of best practices to follow in making the decision. Changing HR Outsourcing Landscape The need for a checklist of best practices is all the more urgent given both the increasing complexity of HR functions themselves and the changing landscape of HR outsourcing providers. Although the big three HR functions being outsourced continue to be 401(k) administration, defined benefit pension management, and health benefits, providers are steadily increasing the options available in a total-HR-outsourcing approach. Examples of other processes being outsourced include payroll; employee recruiting, assessment, and training; and administration of stock options programs. In addition, the one-size-fits-all approach typical in the past is rapidly being replaced by outsourcing models that are more flexible, comprehensive, and tailored to the client s unique needs and goals. This approach has been driven in part by the enhanced expectations of employees, who now seek features such as Web access to their HR benefits and other data, as well as call-center support on a 24/7 basis. As a result of such changes in the provider landscape, the greatest challenge facing controllers may be the overwhelming number of options and variety of HR outsourcing models available to choose from. Companies must now be far more

It has been estimated that PPCM occurs in one of every 3,000 to 4,000 pregnancies with approximately 1,000 to 1,300 women in the United States affected each year (Ventura, Peters, Martin, & Maurer, 1997) While the criteria for diagnosing PPCM varies slightly because of the rarity of the disorder, the criteria most commonly referred to was established by Demakis and Rahimtoola (1971) These criteria require the development of cardiac failure during pregnancy or after delivery as speci ed previously in the absence of prior demonstrable heart disease and determinable etiology for the cardiac failure In recent years, modern diagnostic echocardiography has provided evidence of left ventricular systolic dysfunction, which has helped differentiate PPCM from shared pregnancy-related symptoms that can mimic heart failure Some of the common symptoms shared between PPCM and pregnancy include pedal edema, dyspnea, fatigue, weight gain, chest and abdominal discomfort, and cough.

13.2.3 Physical Layer The IEEE 802.15.4 speci cation supports two PHY options based on directsequence spread spectrum (DSSS), which allows the use of low cost digital integrated circuit (IC) realizations [2]. The PHY layer adopts the same basic frame structure for low duty cycle, low power operations, except that the two PHY layers adopt different frequency bands: low band (868 915 MHz) and high band (2.4 GHz). The low band adopts binary phase shift key (BPSK) modulation and operates in the 868-MHz band in Europe. It offers 1 channel with a raw data rate of 20 kbps.I. In the 915-MHz industrial, scienti c, and medical (ISM) band in North America it offers 10 channels with a raw data rate of 40 kbps [1, 2]. The low band adopts offset quadrature phase shift key (O-QPSK) modulation, operates in the 2.4 2.483-GHz band, and is a part of the ISM band, which is available almost worldwide, and has 16 channels with channel spacing of 5 MHz and a raw data rate of 250 kbps. The PHY layer uses a common frame structure, containing a 32-bit preamble, a frame length, and 2 127 bytes of payload eld.

The identi ed risk factors for PPCM include multiparity, advanced maternal age, multifetal pregnancy, preeclampsia,.

Existing new home sales in the United States in 2003 was 6.1 million. The estimate of existing new home sales in the United States for 2004 is 6.1 million to 6.3 million. The average U.S. house is selling for $180,000 (as of this printing). New home construction in the United States averages 1.25 million to 1.5 million units per year. Maslow s hierarchy of needs: Shelter is right behind oxygen and food. Everyone needs shelter. The American Dream is everywhere you go. It is not just the American Dream anymore. It is a dream for people all over the world to own a home. There are over 2 million people in the United States with real estate licenses. If 2.1 million have licenses, and there are 290 million people in the United States, 1 out of every 138 people is a real estate agent. But how many of those people are doing any business Some are not really practicing; some are just not doing any business. That brings down all of the averages. It is true that 20 percent of the people are doing 80 percent of the business. The average home in the United States changes hands every five to seven years. The typical family moves six to eight times in their lives. One in seven Americans lives in California. 600,000 new people move to California every year.