Central Coast Challenge

29 06 2010

Brian Hassan, one of BayPoint Benefits founders tells about his experience in the Central Coast Challenge.

The Real Adventures of Hass, Smalls, and Johnny Cocktails

Let me preface this by saying this was the most challenging race that I have ever attempted. It required a balance of mental and physical endurance, intelligent packing and rationing of food and water, and most importantly a very strong will to continue and persevere through pain and exhaustion. Oh, and the most important characteristic my teammates and I shared: being so damn stupid of even thinking about doing this race.

It was 1PM, Friday afternoon as I stood in my bedroom in San Francisco wondering if I packed the right gear. Extra socks: check. Leatherman utility tool: check. Compass: check. Sanity: umm…where did that go? Oh there it is: check.

Rob (Smalls) arrived home fresh from the construction site amped and ready to go. One thing you should know about this comical character is that he is a terrific endurance athlete, was president of his triathlon club at Cal Poly, and strangely loves dancing around the living room in a cowboy hat and Speedo after a dozen beers (for more information please visit: DoctorJekyllandMisterSmalls.com). “Hass, let’s make this happen! Let’s rock this – Team Fluid, baby, yeah!”

Team Fluid? Yeah, that was our team name. Originally we were the ‘Dirt Digglers,” inspired by Mark Wahlberg’s performance from Boogie Nights mixed in with a little racing humor. But Rob’s good buddy is the CEO of a Sports Drink company (yep, you guessed it: Fluid), so we morphed into that team name under their sponsorship.

We packed the gear up and wondered where our team captain, John McGuire was. ‘Johnny Cocktails’ as we so eloquently called him. The man is an animal – how he is an accountant perplexes the Dali Lama himself.

We hit the road and off we were: to embark upon an epic race.

We arrived San Luis Obispo around 7PM at night and immediately made our way to the Quality Inn & Suites. This was where we were to be getting the maps, coordinates, and free shwag. The parking lot was remarkably empty prompting me to wonder if we were at the right spot. I was imagining mountain bikes strewn across the parking lot and athletes zipped up straight out of an ‘Outside’ magazine photo shoot. We walked in, registered and found that there were only 13 teams competing and most were not local. Athletes came from the East Coast (heart of adventure racing), New Zealand, and Australia. Oh, how can I forget: the Dark Horses – those scrappy young guys from San Francisco! Surprisingly we were the youngest team competing where the average age was about 35.

It was time to load up on food, food, and more food. Oh and beer – we figured that it would be the most critical supply. It would be our equivalent to Vicodin after the race. I was very surprised that Bud Light or Jack Daniels were not included on the mandatory first aid kit/gear list. Needless to say it was added to our arsenal.

We showed up at Smalls’ place in San Luis Obispo and laid the 2-foot by 3-foot maps on the table (1:34,000). There were 2 maps – that was a lot of water and ground to cover. We were given 8 checkpoints (CPs) to map using a Universal Transverse Mercator (UTM). Fortunately, both Smalls and Cocktails went to Cal Poly San Luis Obispo, so they had a pretty good idea of the area (generally speaking). So when Rob frequently commented, “holy shit, we need to go [insert a variety of locations]!” I knew we were in for the long haul.

Something that you should know about myself: I live for these challenges so that phrase fired me up even more. By looking over at Cocktails, I knew that he felt the same way, as his smile kept getting bigger and bigger. This was going to get serious. Fast.

We had to be up at 4:30AM. It was already 12:30AM. Time to get some rest since we were going to be moving for 24 to 36 hours non-stop.

The alarm clock rang its sweet voice a few hours into my sleep. It’s sound was reminiscent of the mythological Sirens who entice you with their serene voices only to lead you into the most perilous and treacherous life-defying scenarios. In our case, it was the Central Coast Adventure Challenge.

Of course, Smalls was already up muscling down a bowl of cereal and Cocktails was in the living room doing one-handed pushups. Well…almost.

Bikes locked and loaded, gear stowed, coffee and “business” taken care of, we hit the road. 45 minutes to Lake Santa Margarita. Although tired, we felt like this was one challenge that would not come close to taming our inner lust for adventure. I strongly proclaimed, “listen boys, I am not looking to complete this race. I am looking to win it. Let’s get focused and take this down!” Our team mantra changed from simple completion to standing on the podium. After we concluded our “adventure” Smalls reminded me of this phrase. We laughed hysterically.

You have to give us some credit for our ambitious team spirit. The ambiguity of the race clearly clouded our expectations of our performance, our competitors, and simply put: how damn hard this race was.

Heading to the lake we were slamming Cytomax, crushing through Clifbars, and imagining what we have to get through to reach the finish line. Locked and loaded we were ready for anything (almost) the Central Coast Adventure Challenge could send our way. We pulled the truck up to the lake and it was so cold that steam was rolling off of the water. At least we know that the water was warm and that if we tipped the kayak we were not in too bad of shape.

This is where we saw our field of competitors. Cocktails, Smalls, and I looked at each other and, as if we were communicating via ESP, gave each other a nod that signaled that this was a bit more serious than we thought. These were not the epitomized ‘weekend warriors’ – rather these were some of the best in the world (which we later found out) and this 24 – 36 race was the hardest in the United States. What made me draw this initial conclusion? Could it be that teams brought their own collapsable carbon-fiber paddles? Or that teams had their logo on their vans? I could keep going on and on. But we were armed with matching ‘Fluid’ t-shirts so we felt dangerous (yeah…right).
We boarded the bus and got focused. Let’s do this! Our first segment was ocean kayaking 7 miles in aggressive surf. Let start by revealing that I have only been in a kayak once in my life and paddled in a lake for about 400 meters. I was about to ocean kayak 7 miles. This was the first time that I realized that this was a bit more serious than what I expected it to be.

Smalls and I took the tandem kayak and Cocktails took the single and pushed our way through the surf out about 400 meters into the ocean. Saying that we were wet would be an understatement. I look over to Smalls and ask “how long have we been paddling?” in which he replied 20 minutes. Awesome! Another 6-plus miles to go! In term of positioning after breaking through the surf into the ocean, we were 11 of 13. The tip of our kayak was pointed towards Morro Rock which was 7 miles out and we put our heads down and pushed through. I forgot to mention that my seat broke (just a minor detail that just escaped me) so I was upright with no back rest for 2 hours and 30 minutes. Closing in on the marina we overtook another 3 boats and moved into a mid-position. We portaged the boat on the shore in an assimilation of excitement and disbelief. We moved into the transition area in position 7 of 13. I will take that any day, especially for some scrappy rookies like Team Fluid.

Getting out of the boat it was cold, but being happy to see the mountain bike transition point the temperature had no ill effect on the team. We slammed Cytomax and Clif blocks as we geared up and mounted our bikes en route towards the next stage. We shot off up the road psychologically primed to embark on the mountain biking section of the race. This was the most “physically challenging” part of the race, whereas the following trail section was the most “mentally challenging” section.

Smiles on our faces (these marginally diminished as we became further immersed into the race) we blazed off towards CP2. On the ride we road killed 2 more teams which put us in position 5, per our estimation. However due to our navigation skills we overshot the turn we were supposed to be making. We reached CP2 and started our ascent towards CP3. All 3 of us are very strong bikers so we felt that we could potentially move into position 3 by the close of this section since position 1 only has 30 minutes on us and we had 25+ miles to bike. Easy.

Well, not quite.

The ascent started to get aggressive and the rollers and decent proved to be more challenging. Soft dirt turned into small gravel and fire roads turned into 3-foot wide single-track trails. Brakes were marginally effective given the terrain and the gravel soon became my kryptonite as it induced a ‘superman’ spill over my handlebars and into the adjacent local flora (which is not the softest of vegetation). I was down – and down hard. I stood up, lower back injured (re-aggravating a pre-existing condition), I soon realized that only 6 hours into this race I still had another 18 to go. Knowing that if I dropped out, it would disqualify my entire team, I muscled back up on my bike and powered through back up to Smalls and Cocktails.

Where we may have lacked “elite adventure racing” stature, we made up for it in team chemistry and unity. Both Smalls and Cocktails, like the ‘Manimals’ that they are, took my pack and helped me work through the remaining 20 miles. Small pebble-like gravel turned into thousands of fist-sized rocks and our relentless pursuit of CP3 and CP4 seemed unfathomable. We were closing in, we saw, after re-examining the map. The fist-sized rocks turned into soft dirt and I felt that we were in the clear.

Of course, I spoke too soon! Battered physically and exuding the mental anguish associated with taking a dozen spills I took the pinnacle of them all: I approached an ‘L’ shaped bridge and my front tire caught an edge and shot my bike and I into a small 5 foot deep gully of rocks, sticks, and leaves. Remarkably, I got up within 30 seconds, got back on the bike, and finished the segment without a broken bone. I think it was that my body took such a beating over the past 7 hours that there really was not anything else that could have shocked it.

At the bottom I see Smalls and Cocktails and we make for the transition area – I am ready to hike. Both Smalls and Cocktails agree – its time to change it up. And change it up now. The last 2 miles were a gift from heaven. A soft 2% downhill grade on a fire road. We all opened it up in top gear, lowered our bodies, and closed it out. The transition area was in site and we were all ecstatic.

We reloaded food, ate, drank Cytomax, ate, stretched our legs, and ate. Did I mention that we ate? We removed our cleats, threw on fresh socks and trail shoes, packed warm gear for the night’s hike, and rallied with our fully-loaded packs. It was going to be a long hike. We estimated about 25 to 30 miles in 13-15 hours. This was after we kayaked 7 miles already and biked about 25 miles. Let the games begin…I mean continue. This is no walk in the park – that is for certain! I grabbed my pack and was certainly ready to start moving on my feet.

The team one position in front of us followed the railroad tracks. But Smalls and Cocktails had something up their sleeves: traverse the Cal Poly campus and cut across a dry river bed that they know is now dry (since they went to school at Cal Poly). I was really picking up what they are putting down!

We successfully circumnavigate the dried river bed and start heading up Poly Canyon successfully passing the aforementioned team and cutting 20 minutes off of our hike. We ascend Poly Canyon at an amazing pace. I am convinced that our pace is attributed to the fact that we were all thankful that the biking section was a thing of the past. It was an amazing hike coupled with a few barbed wire fences and we pace was strong. We could not see CP5 but we had a general idea of where we were going. Since we were on top of Poly Canyon the route selection was critical. The last problem we wanted to have was to be faced with an aggressive drop (and judging by the topographic map we are going to have to be sniper-accurate to ensure a smooth route selection).

We selected the route, executed, and began the descent in search for the Calvert (tubes that run perpendicular under the US-101 highway that allows for water flow). We hit CP5 at the entrance of the Calvert.

Getting to this Calvert was a lot more complicated then the topographic map led us to believe. We had to hop a 5 foot tall barbed wire fence (which put us above the Calvert) and slide on our back down the foliage (an eclectic blend of spiny plants, sticks, rocks, and tall grass).

The sun is going down as we being to strategize on how we are going to get to CP6. It is at the top of this large mountain with no direct trails, roads, or even paths detailing the route. Topographic maps can be misleading, but not our eyes. There is truly no path to the top. The section has become the epitome of ‘bushwhacking’.

We donned our leggings (high grass is an indicator of a heavy deer tick population) and gloves and got to work. With no direct path, nor access to the summit, we pushed ourselves through dense brush, cactus-like plants, holly, poison oak, and made friends with a variety of local insects en route to the road that we would hopefully find at the summit.

We saw our path: cavernous and tumultuous dried up river bed. Each step was a challenge and we found ourselves breaking down limbs of trees and using our arms as a human machetes. We slowly inched forward – progress is good – but there was no way we were going to beat the sun and reach the top by sundown. Preparing for dusk, we armored up with our warm gear and headlamps and charged forward. It was decision time: keep going forward (but the terrain was getting rougher, rockier, and much more dense) or go vertical. We opted for the latter and I got down on my hands and feet and dug my fingers and toes into the soft dirt. Each step clawing into the ground with my hands and feet. It was an impressive climb: but we made it. Certainly if you would have proposed the strategy to me from the onset I would have been skeptical of the success. Needless to say, it was accomplished, and we sat atop to the ridge in awe of the paragon we had just reached. Our trophy: the sight of San Luis Obispo, some beef jerky, and nice warm bottle of chocolate Ensure.

CP6 was going to be an easy shot – a simple road past 3 communication towers – nice and easy. I mean, we deserved it after that last grueling section. Now that I reflect upon it all, what section wasn’t grueling? We checked our bearing, as navigation at night is a challenge and moved forward upon group consensus. There really is not much to say about this section. It was the most enjoyable hike, because it was flat, and because we could laugh about how ridiculous that last section was. Was that the right way even to go? It couldn’t be? Who would really even think of doing it the way we went about it? When we reached CP6 the Race Assistant confirmed that we, in fact, went the route that all of the teams in front of us did. Savages – the whole lot!

It was CP7 and then CP8 – Lake Lopez following. It was already 10:30PM at night. We have a projected 7 to 8 miles into wilderness (in which our SPOT trackers go dark – meaning our location cannot be tracked for safety and SOS purposes) and upon exiting the wilderness section another 8 miles to Lake Lopez. This is where things got really “interesting” to say the least.

Trudging down the back side of the ridge, we continue to propel forward. My motivation? Salami on a bagel. Yeah, sounds weird – I know. But for some reason I could not get it off my mind. I knew that if we made it to Lake Lopez the endless buffet of Clif Bars and Ensure so generously served by my pack will thankfully end. Don’t get me wrong, I love Clif bars. But the smorgasbord that my pack was offering was getting a little old. Trail Mix and Salami was going to taste like dining at Gary Danko and that was my modus operandi.

Along the path we made some great new friends: beetles, wood spiders, deer, and an awesome couple from Oceanside that had been lost for 2 hours. Jen and Michael from Team Rivets Cyclesport entered the wilderness at 8:30PM (2 hours prior) and were lost. They successfully “think” they found the exit but encountered some mountain lion cubs in the middle of the trail. Where mountain lion cubs are means mama lion is assuredly within their proximity. We had two options: (1) go back up that mountain that we just traversed down (1,500 foot climb) or (2) charge through where the lion cubs were sighted. Johnny Cocktails, the relentless woodsman whom was raised by a pack of indigenous CPA wolves (lupus luchettius & lupus dreyerus), led the embattled troop of fatigued racers through the wilderness.

Ankle deep in water and crossing stream after stream we start losing confidence. This was measured on the topographic map of being only 7 miles. We have been out there for almost 5 hours. Jen and Michael have been between CP6 and CP7 for 7 hours. Both Jen and Michael, seasoned 24 hour racers, assured us that this is the most difficult race that they have attempted. At 2:30AM, I could care less about the difficulty and the assurance – I just want my salami bagel!

We approach the section where the mountain lion was spotted. Johnny Cocktails, wielding his hockey-like stick, makes circles with his new weapon starts to grunt. To be honest, he did it a little too naturally. I really think he was raised by wolves, if you have to ask me. I am sure Smalls can attest to that. If we would lose Cocktails, I really could see him emerging 2 months later speaking in bobcat and wearing a wolverine pelt on this shoulders. We’ll have to write a book entitled “Lord of the Cocktails” to commemorate his exploits.

Needless to say, we survived and exited the woods at 3:30AM. The final hike was 8 miles to Lake Lopez. As we made our approach towards CP7 we saw the Race Assistant. After spending 5 hours in the woods searching for an exit, we made it, and it felt glorious. Camelback’s dry, food fully exhausted, we were excited (although our body language clearly did not exhibit any sort of excitement due to being so exhausted). After slapping the celebratory high-fives we were hit with the stark reality of the situation: no food and no water. The Race Assistant, whom was one of the most mellow individuals I have ever spoken with said, “I am happy to see you all. I literally passed out three or four times waiting for your teams. There is actually one more team still out there.” I was shocked. Not that he fell asleep a few times, but that there was another team trudging through the ravenous terrain that we had just overcame. He advised, “you can wait here for a few more hours and take your chances that they emerge, or you can trek it 8 miles to Lake Lopez.” We opted for the latter.

Now I use the word ‘trekking’ to Lake Lopez and ‘8 miles’ very loosely. It was more sleepwalking than trekking and it was more like 10 miles given the zig zag path we were walking. We plowed our way through ankle or higher creek water and pushed forward. Albeit we moved very slowly. Our socks were soaked, the trail shoes were tearing away at the back of my feet, and quite honestly this last leg felt like a perpetual dream. I was so tired that I started seeing images of motels (strange) and shadows lurked in front of us resembling running wild dogs. Jen from Team Cyclesport actually commented on seeing ‘Smokey the Bear drinking a cup of coffee’ in the trees. Now I felt better: there was someone with us seeing more obscure and ridiculous mirages than I was. Three hours went by and we were rounding the corner towards the Lake and that salami bagel was not even on my mind anymore – just rest. On a pile of rocks, tall grass, or a bed: it did not matter to either of our teams anymore.

Between sleep-deprived hallucinations, mirages, chaffed feet, and crooked sleepwalking we made it. 23 hours and 20 minutes later.

I can’t wait for next year.





Are you Balancing Work and Life?

28 06 2010

After reading a recent article in Employee Benefit News we thought it would be important to highlight this subject in our blog. As an employer and as an employee it is important to stop and ask yourself the question, are you balancing work and life? Companies are doing many things to improve this balance in the work place and as an employer and an employee you need to be responsible for this balance, for both your mental and physical health.

As an employer it is important to look at the flexibility that you are offering your employees. This is a benefit you can give your employees as an employer that will help your employees find the balance between their work and personal lives. Things to consider include single-day vacations, tuition reimbursement for online courses, giving your employees the flexibility to set their own schedules, for example giving them from 7am to 6pm to set their 8-hour day. Another opportunity for giving your employees flexibility is summer hours, this allows employees with children in day camps more flexibility. Have you thought of offering unlimited sick days? And allowing these days to be for taking care of sick family members. One might think that these policies could be abused, however, research has shown that this is not the case.

Another subject to consider as an employee is “more time.” “Time” is the key word when you talk about the balance between work and life; there is just not enough time in anyone’s life to get everything accomplished. Something to consider for your employees that have worked for you for a certain amount of time, such as 5 or more years, is sabbaticals. This is an opportunity as an employer to give your employees time to catch up on life and help them create that work-life balance. Another work-life balance tool that companies are doing are allowing work associates to “gift” PTO time to fellow workers. If someone is going through a very difficult time and they need some days off to take care of their personal needs, someone in the office with accumulated PTO could give up a few days to a co-worker. This will allow the person struggling to find the balance of work and life and opportunity to take a few personal days. Personal days are another form of time balancing for employees. Many companies have found that given their employees two to five personal days a year helps employees with productivity in the workforce by allowing them to rejuvenate.

As companies find creative ways to help their employees and even themselves, the employers, have a healthy work-life balance, companies will see a difference in the productivity, morale, and ultimately lead to better retention within your company.





The Importance of Using Sunscreen ALL Year Long

22 06 2010

When summer hits we find ourselves enjoying the warm weather and sunny days. We put more sunscreen on when the sun is out, however, do you know it is very important to put sunscreen on all year long? Here are some questions you should ask yourself, how many times are you putting sunscreen on everyday? What SPF of sunscreen are you using? How much sunscreen should be used, and how often should it be applied? What type of sunscreen should you use? Does SPF 30 have twice as much sun protection as SPF 15? There are more than 1 million cases of skin cancer diagnosed in the United States every year. This is very important information so please keep reading.

1. When should sunscreen be used?
Sunscreen should be applied every day to exposed skin, and not just if you are going to be in the sun. It is good to know that UVB rays cannot penetrate glass windows, but UVA rays can, leaving you prone to these damaging effects if your skin is unprotected. When you are indoors, apply sunscreen on the areas not covered by clothing, such as the face and hands. Sunscreens can be applied under makeup, or alternatively, there are many cosmetic products available that contain sunscreens for daily use.

2. How much sunscreen should be used, and how often should it be applied?
Sunscreens should be applied to dry skin 15 to 30 minutes BEFORE going outdoors. When using sunscreen, be sure to apply it to all exposed areas and pay particular attention to the face, ears, hands, and arms. Don’t forget that your lips can get sunburned, too, so apply a lip balm that contains sunscreen with an SPF of 30 or higher.

3. How often should sunscreen be applied if you are outside?
Sunscreens should be reapplied approximately every two hours or after swimming or perspiring heavily. Even so-called “water-resistant” sunscreens may lose their effectiveness after 40 minutes in the water. Sunscreens rub off as well as wash off, so if you’ve towel-dried, reapply sunscreen for continued protection.

4. Does SPF 30 have twice as much sun protection as SPF 15?
It is interesting to know that UVB protection does not actually increase proportionately with a designated SPF number. For example, an SPF of 30 screens 97 percent of UVB rays, whereas an SPF of 15 screens 93 percent of UVB rays, and an SPF of 2 screens 50 percent of UVB rays.

5. Is sunscreen all I need to do to protect myself from the sun?
No, it is very important to wear hats and cover your skin when you have extended amounts of exposure. Sun exposure is the most preventable risk factor for skin cancer.

Sun protection is the principal means of preventing premature aging and skin cancer. It’s never too late to protect yourself from the sun and minimize your future risk of skin cancer. Enjoy the sun, but always wear sunscreen even when it is cloudy out all year long.





The Importance of Prenatal Care – 10 Tips for Pregnant Women

9 06 2010

As an expecting mother it is very important to understand prenatal care and how to take care of yourself and the baby. Here are a few tips to stay healthy and make sure you have an excellent pregnancy.

1. As soon as you know you are pregnant contact your doctor and make an appointment to make sure you start your regular doctor appointments.

2. make sure you go to all of your Doctor appointments, babies of mothers who do not get prenatal care are three times more likely to have a low birth weight and five times more likely to die than those born to mothers who do get care.

3. It’s important to take a multivitamin or prenatal vitamin with 400 micrograms (mcg or 0.4 mg) of folic acid every day.

4. Make sure that you talk to your Doctor about the medicines you take. Keep in mind that even over-the-counter medicines and herbal products may cause side effects or other problems. But not using medicines you need could also be harmful.

5. During flu season make sure you get a flu shot if your baby’s due date is between March and July. Pregnant women can get very sick from the flu and may need hospital care. This is very important.

6. Make sure you eat a variety of healthy foods. Choose fruits, vegetables, whole grains, calcium-rich foods, and foods low in saturated fat. Also, make sure to drink plenty of fluids, especially water.

7. Make sure you stay hydrated if you are pregnant during the hot summer months.

8. Don’t eat fish with lots of mercury, including swordfish, king mackerel, shark, and tilefish.

9. Don’t take very hot baths or use hot tubs or saunas.

10. It’s important to stay active during your pregnancy. Unless your doctor tells you not to, try to get at least 2 hours and 30 minutes of moderate-intensity aerobic activity a week. It’s best to spread out your workouts throughout the week. If you worked out regularly before pregnancy, you can keep up your activity level as long as your health doesn’t change and you talk to your doctor about your activity level throughout your pregnancy.

This is a very exciting time in your life and it’s important to know about prenatal care not only for the baby, but for yourself.





Are you Curious? Disadvantages of a PEO (Professional Employee Organization)

8 06 2010

Employee leasing is a growing practice in American businesses. It offers both advantages and disadvantages.

It is important as a business professional to understand the pros and cons of a PEO. Here is a brief introduction and seven disadvantages of using a PEO.

The first question is what does PEO stand for?
A PEO is Professional Employee Organization.

How does a PEO work?
Under employee leasing arrangements, a company can transfer some or all of its employee to the payroll of the PEO. The PEO leases the clients back to the company and administers the payroll.

What else does a PEO administer?
They provide administrators benefits, holds personal records and performs the duties that are usually preformed by a HR department.

Disadvantages for Employers:

1. Changes in tax laws. The tax benefits under the Tax Equity and Fiscal Responsibility Act, could be taken away by Congress, if employee leasing was used a as a method of skirting pension responsibilities.

2. There can be the concern of whether employee leasing is right for the certain type of business and if the leasing firm is legitimate.

3. The fees could be high. Cost of leasing fees may have a fixed fee of 2-5% of payroll and have a markup of 9-20% of gross wages.

4. There can be image and human relations issues with your company. Employee leasing reduces personal contact between employees and their employer.

Disadvantages to Employees:

1. Employee leasing can cause confusion and role uncertainty, because employees are hired and compensated by one firm, but supervised by another.

2. When the loyalty is divided personal relationships and opportunities are reduced, therefore, the loyalty and job commitment may be less.

3. There may be a reduced motivation and lack of a close tie between pay and performance, which could lead to less enthusiasm within the workplace.

It’s important to understand the disadvantages of a PEO and perhaps it is not right for your company.





Top 10 Summer Safety Food Tips

24 05 2010

After reading an article about how one in every ten Americans have some sort of illness caused by food in the summer, we thought it would be helpful to give some summer safety food tips. As summer approaches people are spending more time outside having picnics, BBQ’s, and just eating outdoors. Here are ten tips to make sure you don’t get sick or more importantly your friends and family doesn’t get sick at your BBQ!

1. Always wash your hands. If you are outdoors bring antibacterial hand sanitizer to use before you start cooking.

2. Make sure you have enough coolers with ice or frozen packs to keep your perishable foods like meat, poultry, fish, eggs, and salad at 40 degrees F. You want to be sure to keep them refrigerator up until you pack them in the cooler if you are transporting them.

3. If you are having a picnic the trick is to keep your cooler in the shade under a tree so that your ice doesn’t melt.

4. Have a separate cooler for drinks so you are not continuously opening the cooler.

5. If you are BBQ’ing don’t get distracted by all the fun things going on and under cook the meat. You should grill raw poultry until the juices run clear and there is no pink.

6. There’s a two Hour Rule, don’t leave your perishable food un-refrigerated for more than two hours.

7. If your guests are running late be sure to keep track as to how long the food has been sitting on the buffet table, you never know the kids might come back from the pool and starting snacking on things that have been sitting our for more than two hours.

8. If you are having a dinner party or just in general don’t use the same platter and utensils for raw and cooked meat and poultry. Use one cutting board for raw meats, another for fruits and vegetables that won’t be cooked.

9. Be sure that you use a different plate for the un-cooked BBQ meat and the cooked meat. Have you ever brought the meat out from the kitchen cooked it and forgot to wash it before putting the meat on it? Hope not. Make sure you don’t do this.

10. If in doubt throw the food out. If you have any question in your mind about the freshness or safety of eating a food product, it is better to throw it out. It is better to be safe than sorry!

Enjoy eating outdoors and have fun at your picnics and BBQ’s, but make sure you follow these simple food safety tips.





What is Sustainability in the Benefits Consultancy Marketplace?

18 05 2010

Last week Brian Hassan and Justin Roberts, BayPoint Benefit’s founders were featured on the cover of Employee Benefit Adviser. The article titled the “The Green Difference,” talks about what differentiates BayPoint Benefits in a crowded marketplace of benefit consultants.

As mentioned in the article the difference is sustainable business practices. We’ve all heard the buzz words, “green,” and “sustainability,” however; the question is what do these words really mean to BayPoint Benefits? For BayPoint these words mean taking action. For example, at BayPoint Benefits we only print essential documents, we print double sided, we scan all documents instead of filing, we use e-mail correspondence, and we use biodegradable cleaning products. These are just a few of the daily actions taken to run a more sustainable business. To read more on our sustainable business practices check out the full article in Employee Benefit Adviser http://digital.employeebenefitadviser.com/employeebenefitadviser/201005_def#pg1

If you don’t get a chance to read through the entire article, here is something very interesting that is highlighted in the article. Let’s look at San Francisco’s real estate; we all know it is expensive. In a downtown office building you can be paying upwards to $48 a square foot per a year. Take $48 times that by the square foot of your file cabinet and then times that by how many filing cabinets you have in your office. You could easily be paying up to $300 a year just on filing cabinets.
Therefore, how do you save this money? The answer is digital. Scan all documents and store them on the computer that already is taking up the space on your desk and not only are you saving money, but you are saving trees. Next time you move into a new office space or rearrange your office and get annoyed with your heavy filing cabinets think about the change you can make by putting all your information in the “clouds,” otherwise known as the digital space.





Benefits Selling Magazine – 2010 Broker of the Year Finalists

10 05 2010

To read the full article in Benefits Selling Magazine go to… http://www.benefitssellingmag.com/Issues/2010/May/Pages/Broker-of-the-Year-Finalists.aspx





BREAKING UP IS EASY TO DO!………

4 05 2010

Is your Benefits Advisor or Broker’s services model reactive instead of proactive? Does your Broker of Record process all of your new hire applications and follow up with the carrier to ensure that terminations are processed correctly? What about helping with claim problems? Answering employees’ questions about how their plan works? Does your current advisor maintain a web page that has all of your companies benefits outlined clearly so that your employees can access benefits information anytime or anywhere?

Your agent is getting a commission every month from the insurance company to service your account! Are they really getting the service you deserve?

Your Benefits Advisor should be strategic! They also need to understand that there is no one size fits all and employees of small companies still have needs to those employees in large companies. A true Benefits Advisor helps the company deliver a comprehensive benefits program that is well designed, well communicated and well administered.

Your Benefits Advisor is also very well connected and is willing to have the tough conversations with the carries to ensure that your needs are met. They focus on the needs of your company but also look outside to stay on top of industry trends. They are active in HR/Benefits organizations and keep current on laws and regulations (Federal & State). They study all the latest products and they know what their peers are doing. Of course, they should be engage year-round and bring solutions to the table even before they’re asked for.

Your Benefits Advisor should look at the company’s entire benefits program. Benefits is a team sport and there are many players — insurance brokers, consultants, carriers, TPAs, 401(k) providers, each with unique roles, skills and contributions. Your Benefits Advisor should be invaluable to your company and be willing to earn your business each and every month!

Does your current Benefits Advisor fit this job description above? If not, then a “Broker of Record Letter” will replace that agent with a new one. No charges whatsoever will be incurred by you. Your plan will stay the same and the premium will stay the same. You can change agents at anytime and for any reason. If an agent does not follow through with their promise of providing better services, simply sign a new Broker of Record letter to someone who will.

Breaking up is actually easy to do!





Pictures of BayPoint Benefits in Washington DC for Finalist for Broker of the Year

23 04 2010

To view more pictures of Justin Roberts and Brian Hassan at the Benefit Selling Expo, Broker of the Year Event go to http://www.facebook.com/baypointbenefits.

Congratulations BayPoint Benefits.








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