A N N U A L
Carlisle, Pa. • Friday, February 28, 2014 • Day 1 of 3
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Top 50 employers in Cumberland County 1. Federal government 2. Highmark Inc. 3. State government 4. Holy Spirit Hospital 5. Giant Food Stores LLC 6. Cumberland County 7. Ahold Financial Services LLC 8. Fry Communications Inc. 9. Select Employment Services Inc. 10. Cumberland Valley School District 11. Dickinson College 12. Wal-Mart Associates Inc. 13. Rite Aid Headquarters Corp. 14. Messiah College 15. Exel Inc. 16. HGSS Inc. 17. Novitas Solutions Inc. 18. Pennsylvania State System of Higher Education 19. Carlisle Area School District 20. Gannett Fleming Inc. 21. UPS Ground Freight Inc. 22. YRC Inc.
Michael Bupp / The Sentinel
Rite Aid Corp., based in Camp Hill, is Cumberland County’s 13th largest employer.
23. Ames True Temper Inc. 24. Pa. Dental Service Corp. 25. Amazon COM DEDC LLC 26. Wegmans Food Markets Inc. 27. Carlisle HMA Inc. 28. Mechanicsburg Area School District 29. SMX LLC 30. ABF Freight Systems Inc. 31. Members 1st Federal Credit Union 32. Karns Prime & Fancy Food LTD 33. Ross Dress for Less Inc. 34. West Shore School District 35. Old Dominion Freight Line 36. Carlisle Construction Ma-
terials Inc. 38. Lowe’s Home Centers Inc. 39. Foot Locker Corporate Services Inc. 40. Messiah Village 41. Big Spring School District 42. Randstad US LP 43. JFC Temps Inc. 44. Arnold Logistics LLC 45. HP Enterprise Services LLC 46. Schneider National Carriers Inc. 47. United Cerebral Palsy of Central Pa. 48. IBM Corp. 49. PPG Industries Inc. 50. Manpower International Inc. Source: Pennsylvania Department of Labor and Industry Center for Workforce Information and Analysis Note: The top 50 employers are from the second quarter of 2013, the most recent data available.
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Annual — Midstate Jobs
E2 • The Sentinel
Friday, February 28, 2014
Does your employer benefit package measure up? Brandpoint Many Americans just went through their annual benefits enrollment period at their work. Precious time was spent reviewing the available offerings with spouses and determining which ones best meet their families’ needs, weighed against the cost. Yet a good number of Americans may not have taken the time to review their company’s benefit plans and may not be aware that what’s available and what they selected could fall short of meeting their needs. Does your benefit package really measure up? Forty percent of employees don’t understand their benefits, according to a 2011 ADP Research Institute study, which means many may be underutilizing available resources for retirement planning, health care and insurance. And sometimes the benefits offered are a good start toward financial protection, but employees don’t realize that these benefits are intended to be just that — a start — and additional coverage may be needed to help fill in the gaps. “When a household income earner is in good health and able to bring home the paycheck every week, families often forget about those other benefits available from the com-
pany,” said Melissa Millan, senior vice president, Massachusetts Mutual Life Insurance Company (MassMutual). “Everyone should carefully review their benefits, and determine i f a ny a d d i tional insurance protection might be needed to keep the family finances on an even keel if something should happen to affect that we e k ly p aycheck.” Two benefit areas often misunderstood or left untouched are life insurance a n d d i sa b i l ity insurance. If you have these benefits offered to you by your employer, consider how they can help you out financially. • Life insurance — Many employers will offer group term life insurance as part of their benefit package, with the option for employees to purchase additional coverage
on their own by having the additional premium payments deducted from their paycheck. One reason employees might want to con-
sider purchasing additional coverage through their employer is because they may not need to provide any health information or be
pre-approved medically like they would be if they were to purchase it outside the workplace. Employees should be aware: they might not want to rely solely on group term life insurance. Because it’s offered as a benefit via their employer, the employer could decide to discontinue offering the benefit. And if the employee leaves the company for any reason, coverage could be lost, if there are no options to take the coverage with you. Instead, consider balancing the benefit offered through your employer with an individual life insurance policy. With individual life insurance, you are the owner of the policy, can purchase the amount of coverage you truly need and bring it with you if you leave the company. If you purchase additional insurance, either at work or outside of work, it’s always important to understand your ability to keep the coverage, regardless of your employment relationship. • Disability insurance — Employers often will provide group long-term disability plans that replace a portion of the employees’ incomes, if they suffer an
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Annual — Midstate Jobs
E4 • The Sentinel
Friday, February 28, 2014
How to start your second career Metro Creative Connection The days when professionals would spend their entire professional lives with a single firm are largely a thing of the past. In fact, many people not only switch companies multiple times before retirement, but some even switch professions before retiring. As exciting as it can be to pursue a new career, men and women older than 50 know that such a decision is not without risk. While younger professionals with few obligations can often handle bumps in the road on their way to a second career, older professionals making a similar move often must consider the potential effects such a pursuit might have on their families, finances and futures, including their retirements. But as difficult as it may seem to pursue a second career after your 50th birthday, there are steps men and women older than 50 can take when pursuing a new
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career to ensure their second act is as successful as the first. • Decide what you want, and not just what you want to do. The desire to pursue a second career no doubt stems from more than just dissatisfaction with a current profession. Many people switch jobs or even careers because they find their current careers too demanding, leaving little time for family or hobbies that have nothing to do with work. If what you really want is more time at home or more time to pursue a particular hobby, then keep this in mind when looking for a second career, and make sure that career won’t demand too much of your time. For example, if your goal in finding a new career is to get more worklife balance, then starting your own business, which can require long hours at
the outset and even after the business has established itself, might not be for you. But if what you want is a more challenging career and to be your own boss, then you likely will find the cost of achieving that goal, even if that cost is more demands on your time, is worth it. • Assess your skillset. Professionals older than 50 have lots to offer, but it’s still important for such men and women to make an honest assessment of their skillset and find a career in which those skills are transferable. Some men and women might want to pursue a second career that will make little to no use of their skillset, and that’s perfectly alright. But extra schooling might be necessary in such situations, and going back to school oftentimes requires a considerable commitment of both time and money. For those
who simply want to put their existing skills to use in a different field or environment, assess those skills and look for lines of work in which they figure to be especially valuable. If there are any particular aspects of your current job that you want to avoid in the future, consider that when assessing your skills and choosing a second career. Even if they don’t know it, established professionals older than 50 have many transferable skills, and such skills can be a considerable asset when pursuing a second career, especially when those skills have been assessed and can be applied to a new profession. • Make a trial run. Nowhere does it say that professionals can’t take a trial run at a second career while still fully engaged in their See Career, E8
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The Sentinel • E5
Local businesses hiring Warehouses and distribution centers still growing in Cumberland County By Christen Smith The Sentinel Although job creation numbers are down nationwide, plenty of local businesses are looking for new employees in 2014.
Shari’s Berries
For the last eight years, the Shari’s Berries Mechanicsburg-based distribution center adds 650 seasonal employees to their staff in the weeks leading up to Valentine’s Day. Although many of those positions disappear after Mother’s Day, Senior Human Resources Manager Taryn Hamilton said the facility’s core employees all began as temporary hires. “What I would say is that we are always looking for good people,” she said. “There are opportunities here, and as a growing business, we need to continue to keep bringing in great people.” Hamilton said the fulltime positions include general labor jobs, such as quality berry sorting, packaging, gift boxing, packing, hand dipping, shipping and forklift operation, with salary ranges between $9 and $11 per hour. “It’s a very preferred distribution location,” she said. Jason Malmont / The Sentinel “The Northeast is such a big Taunya George, front, Irene Edmunds, center, and Darlene Bordner, back, decorate strawberries and cherries for customer orders area that we have to hit. Our at Shari’s Berries, Mechanicsburg. needs will vary because the staffing world is dynamic.” includes sales and technology divisions, making Walmart and it possible for the company Vantage Foods to localize production and Farther east, Lower Alavoid importing products len Township is expanding from overseas. With a new its own distribution marheadquarters building and ket with two new facilities: expanded production lines, a Walmart currently under the company has no plans to construction on Hartzdale slow down hiring. Drive and Vantage Foods, a “We continued to invest meat packaging facility for and we think now we are in a Giant, located on Lisburn good position in a gradually Road. recovering market,” he said. Vantage Food’s website “A lot of it depends on the says the Lisburn Road famarket. It depends on the cility is the largest of its five demand for the products.” service centers nationwide Volvo isn’t the only growand will provide “full caseing center west of Carlisle, ready fresh meats program either. for the Giant Carlisle and Four years ago, Office DeGiant Landover Divisions of pot opened the doors to Ahold USA.” its distribution center in The 162,000-square-foot Newville. facility will employ about Since then, said spokes850 staff. man Dave Eichman, the fa“The site where Vantage cility has employed about foods is located is in one of 300 staff and continues to the township’s opportuMichael Bupp / The Sentinel hire for entry-level warenity zones, which is an area house positions. where the township an- Office Depot employee John Greenawalt works in the Newville warehouse. “Office Depot first identiticipates growth,” said Erin fied Newville as the optimal Genest Trone, Lower Allen The company’s website semblers and material han- region to establish the comTownship’s assistant mansays the Shippensburg facil- dlers to accommodate this bination facility based on its ager. “That area in particuity currently manufactures expanse in production. location as a transportation lar, the township saw as ideal soil and asphalt compac“We want to provide train- hub for the company’s busifor distribution because of tors, motor graders, pav- ing and opportunities for our ness and ability to offer effiits proximity to many maers and screeds and milling employees,” he said. “There’s ciencies to service both retail jor routes such as Route 15, machines. In March 2011, a number of training pro- locations and business cusI-83, and I-76. It was excita $100 million investment grams across the company, tomers,” he said in an email. ing to see a business locate aimed to bring wheel load- especially for production “Additionally, a motivated there that so closely aligned ers, articulated haulers and employees. The training is to work force and lower real eswith the township’s longexcavators into production ensure the right quality and tate expenses were imporJason Malmont / The Sentinel by 2014. term plans, and we hope safety, and at the same time, tant factors in the decision their presence and success Tashonna McFarlane, of Carlisle, front, and Chad Bill Law, vice president of there is a path for advance- making process.” causes other companies to Cleckner, of Steelton, back, get assistance from communications for Volvo ment in almost all functions, Email Christen Smith at look more closely at locating Blair Moore and Alan Cosby, both of Express PerConstruction Equipment allowing employees to grow csmith@cumberlink.com in Lower Allen.” sonnel Services, during a job fair at Shari’s BerAmericas Region, says the and develop.” or follow her on Twitter Genest Trone said rede- ries, Mechanicsburg. center is hiring welders, asLaw said the facility also @SentinelCSmith veloping the former Forbes Chevrolet car lot into a businesses in that area hope Volvo and Office Depot Walmart made sense from that Walmart’s presence will As economic recovery an economic — and practical bring new customers to that limps along, Shippensburgcommercial corridor, who based Volvo Construction — standpoint. “By locating in an area that once they are there, may Equipment said smart inwas already built up, much grab a meal at one of the res- vestments helped the comof the infrastructure was al- taurants across the street or pany fare better in the reready on site,” she said. “The in the food court or do more cession and grow its base of township and many of the shopping at another store.” 1,100 employees.
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HARRISBURG — A Chester County entrepreneur won the endorsement Saturday from Pennsylvania’s lican Party in what Repubbruising, four-waycould be a primary election for the nomination to contest Democrat Bob Casey’s re-election bid for U.S. The endorsement Senate. was won by Steve Welch after an extraordinary show of pow
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Annual — Midstate Jobs
E6 • The Sentinel
Friday, February 28, 2014
The minimum wage debate Businesses wary of government-mandated minimum amount By Joseph Cress The Sentinel In principle, Ross Morris is all for an increase in the minimum wage. The owner of four restaurants in Carlisle, he said he believes a pay increase is long overdue for workers in this country. The fundamental question is whether the American consumer can afford the reality check that goes with the bill. “The price for everybody is going to go up to compensate for paying employees more,” Morris said. “Yes, it’s a good idea, but nobody wants to pay for it.” It has been years since Morris has paid any employee the current minimum wage of $7.25 an hour for working at Café Bruges, Andalusia, Trattoria Piatto or Helena’s Chocolate Café & Creperie. “Everybody makes more than that,” said Morris, adding that while Pennsylvania allows employers to pay servers less than the minimum wage, the average waiter or waitress makes $10 to $20 an hour in tips. The need to stay competitive in customer service is what drives employers such as Morris to pay substantially more than the minimum wage so his restaurants can attract talented workers and avoid the high training costs associated with frequent turnover. Industry lobbyists are concerned about the ripple effect a minimum wage increase would have on the job market should state or federal lawmakers decide to enact such a pay hike. It stands to reason that workers already earning more than the minimum would push for an increase in their hourly wage. “Everybody is going to have to go up,” Morris said. “If you reset the minimum, everything should notch up.”
Private sector decision The Pennsylvania Restaurant & Lodging Association is opposed to any hike in the minimum wage, said Melissa Bova, its government affairs representative. “There is no way for the industry to afford an increase.” She explained how a large percentage of association members are small “ma and pa” operations that are struggling to comply with
Photos by Michael Bupp / The Sentinel
Above: Cafe Bruge waiter Zeb Yates helps customers. Right: Cafe Bruge Chef Jaysec Rumford prepares a sandwich while working the lunch shift. the Affordable Care Act and to survive in an economy that has not fully recovered from the recession. “They are the ones that are going to be impacted dramatically by a minimum wage increase,” Bova said. Rather than mandate an increase, lawmakers should allow association members to dictate hourly wages, Bova said. “They operate under a market where if you don’t take care of your workers, they will go somewhere else,” she said. She added most association members already pay their workers above the minimum to retain talent in the midst of the competitive market. Brian Rider is president and chief executive officer of the Pennsylvania Retailers Association that represents both small business owners and the larger chains. He agreed the private sector, not the government, should set wages. Rider said residents would be
hard-pressed to find many employers today who pay their workers the minimum wage. As with restaurants and lodging, market forces at work in the retail industry have prompted employers to pay a higher hourly wage to stay competitive, but retailers can only absorb so much overhead.
Demographic While it is true there are single mothers struggling to make ends meet, the average minimum wage earner lives in a household that makes $60,000 or more a year, Bova said. “There are misconceptions,” she said. “They are not the primary bread winners. Fifty percent are teenagers and 70 percent are under the age of 25.” A 2013 report from the Keystone Research Center, an economic research organization, said the age See Wage, E7
Increase faces tough opponents on state, federal level By Joseph Cress The Sentinel It is difficult to say how a hike in the minimum wage will wash once it comes out of the spin cycle of state and federal politics. Advocates for an increase say a boost beyond the current $7.25 minimum wage will help the economy by increasing consumer spending. Those against an increase say it will put a greater burden on the cost of doing business by forcing an increase across all income levels. Much of the disagreement follows traditional party lines. The conservative perspective says if the government increases minimum wage, the cost of labor would go up, leading to job loss, fewer people being hired, less opportunity for advancement and higher prices on consumer goods, said Vince LaFrance, a professor of economics at Messiah College. “They argue the most important thing is for someone to get a job,” LaFrance said. “By having a job, you gain work experience and begin the process of moving upward.”
Meanwhile, the Democrats tend to worry about fairness, social justice and what is being called “the living-wage movement” — the idea that people should be paid enough on which to live, LaFrance said. He said some local governments have already passed “living wage” laws that set higher minimums than the federal government. On each side, there are those who point to studies on minimum wage and its effect, said William Bellinger, an economics professor at Dickinson College. “People spin this like crazy. It is not a perfect policy.” Those against an increase in the minimum wage emphasize studies on unemployment that project some negative effect from a minimum wage hike, Bellinger said. He explained that higher wages do mean higher labor costs for employers who generally respond by adjusting hours, the scope of work or the number of people on the payroll.
Jobs lost While a minimum wage increase may affect employers, it doesn’t necessarily equate to a major cut in jobs, Bellinger said. He said
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other studies show a minimum wage hike would probably cut poverty, but a fair amount William o f i t s e f- Bellinger fect would b e fe l t by households that are not poor. LaFrance quoted a s t a t i s - Stephen t i c f r o m Bloom 2011 that 1.7 million workers, or about 2 percent of the hourly work force in the United States, re- Rob Teplitz ceive minimum wage. Most people in that income bracket are not the primary breadwinners of the household. Any increase in the minimum wage would have such a minor effect that it would not address the growing divide between the rich and the poor, LaFrance said. He attributes the gap to
a broader social problem where many workers lack the skills and education they need to take higher paying jobs. There are cases where companies have openings they cannot fill because many in the work force lack the skill set necessary for those jobs, LaFrance said. “You have a certain amount of compassion, but what you really want to have is better opportunities.” State Rep. Stephen Bloom, R-199, said a minimum wage hike would result in fewer people being hired. “It would end up hurting the people it intended to help,” he said. “The answer to improving opportunity for the poor is economic freedom and a tax and regulatory environment in which employers can prosper and increase their work force.” Bloom has a degree in economics and spent many years as an attorney counseling private sector employers. He said his experience as an owner of a law firm gives him insight into what goes into hiring someone. There are enough state lawmakers with real world business sense who under-
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stand the potential effect of a minimum wage increase and can block its passage in Pennsylvania, Bloom said.
Bills in place State Sen. Rob Teplitz, D-15, recently co-sponsored a bill to increase the state minimum wage to $9 an hour and base future increases on the rate of inflation. “Making it automatic allows for businesses and families to plan and budget,” said Teplitz, who represents parts of Dauphin and York counties. “It takes the politics out of the issue.” The economy is in a state where the minimum wage increase is appropriate, Teplitz added. “It can be a win-win for everyone. The folks who are more likely to spend the money will have a little extra to spend in their paychecks. History has shown it can be done in a way that is sensitive to employers.” The major push is going to be at the federal level, said
Brian Rider, president and chief executive officer of the Pennsylvania Retailers Association. He said an increase in the federal minimum wage would likely result in an increase in the Pennsylvania minimum wage. In late January, President Barack Obama signed an executive order setting the minimum wage for workers under federal contract at $10.10 an hour. LaFrance saw the move as more symbolic than anything else, saying it is unlikely the Republican-controlled House of Representatives would be overly eager to embrace a minimum wage increase. “I would be surprised if something were to happen before the next election cycle,” LaFrance said. He anticipates federal lawmakers will wait out the results of the midterm elections this November. Email Joseph Cress at jcress@cumberlink.com or follow him on Twitter @SentinelCress
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The Sentinel • E7
Wage Continued from E6 demographic for povertywage individuals had those between 20 and 24 as the highest percentage of workers, and those older than 55 years of age the second highest demographic group. Higher pay means higher labor costs, which could result in less retention and fewer hires, officials argued. Aside from high school and college students, the majority of minimum wage earners are retired individuals who want to supplement their income, Rider said. “If you increase minimum wage, you reduce the job opportunities for those folks.” Both associations are against legislation that would tie future hikes in the minimum wage to cost-ofliving increases. Pay raises should be based on work performance, not on the rate of inflation, Rider said. “Nobody should be guaranteed an increase.” Gabriel Morgan is Pennsylvania director of the Services Employees International Union Local 32BJ. This organization represents 140,000 workers mostly in New England and the MidAtlantic region. “We are absolutely for a minimum wage increase,” Morgan said. “People working hard at a job should be able to take care of their family by working 40 hours a week.” History has shown the
“If more regular workers have more money to spend, this would boost the economy, especially for small businesses.” Gabriel Morgan, Pennsylvania director of the Services Employees International Union Local 32BJ greatest periods of prosperity occur when workers are paid a decent enough wage to not only survive but also support their local economy, Morgan said. “If more regular workers have more money to spend, this would boost the economy, especially for small businesses,” he said. Morgan said the largest employers in America are service industries that base their pay on the minimum wage. “If the federal mini-
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Cafe Bruge hostess Justin Bobb returns from seating guests. mum would have kept up with inflation over the last 40 years, it would be $10 an hour right now.” Instead, there are situations where many minimum
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It is the will of the people that minimum wage should increase, said Morgan, adding that a Gallup poll found 72 percent of Pennsylvanians support a hike in pay. “I think McDonalds and
Walmart will be OK if the minimum wage goes up,” he said. Email Joseph Cress at jcress@cumberlink.com or follow him on Twitter @SentinelCress
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Friday, February 28, 2014
Career Continued from E4 first career. In fact, testing the waters before you jump in is a good way to gauge your interest in a potential second career and how well your skillset applies to that field. A trial run, which can be conducted by volunteering with a nonprofit organization or through a part-time job or simply offering your services to a company free of charge in exchange for a chance to learn how the business operates, can shed light on the inner workings of a particular industry, showing you how things work behind the curtain. Testing the waters may reaffirm your belief that a certain line of work is for you, or it might send you back to the drawing board. Either way, it’s valuable experience that may reassure you that whatever decision you ultimately make is the right one. • D o n ’ t go i t a l o n e . Switching careers after 50 carries some risk, but it’s certainly a risk that many before you have been willing to take. If you know any people, be it a friend, family member or former or even current colleague, who has reinvented themselves professionally, then speak with these people and ask for any advice they might have. If you know you want out of your current career but aren’t quite sure of what you want to do next, those who have faced a similar fork in the road may be able to help you narrow down your options. The notion of changing careers is exciting, and you can expect your personal and professional confidantes to share your excitement and be willing to help you in any way they can. Making a career change after 50 can be a risky yet ultimately rewarding move, especially for those men and women who take a thoughtful approach to finding their second careers.
Minimum wages in Pennsylvania, U.S. Here is the history of minimum wage increases in Pennsylvania in selected years from 1968 to 2013. 1968: $1.15 1970: $1.30
1972: $1.60 1976: $2.20 1979: $2.90 1980: $3.10 1981: $3.35
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The Sentinel • E9
Workers need their brand, too How do you want to be perceived? What are your strengths? Put them to use Brandpoint Personal branding is an elusive topic to most people, yet it is important for career success. Wise professionals with career success know it can mean the difference between landing that dream job and never getting noticed. So what do you think of when you hear the word “ p ro fe ss i o n a l b ra n d ? ” Simply stated, a brand is a promise of the value you’ll deliver. “You may think you don’t need a brand, but the reality is that you already have one,” said Jana Fallon, vice president, executive development for Prudential Fi-
nancial. “By managing that professional reputation you already have, you increase your chances of being known for qualities that can land your dream job or get you noticed by a company you have always wanted to work. If you do start actively managing your brand, you can find real power in knowing and sharing what your unique differentiators are.” Fallon recommends five actions you can take to improve brand reputation. B = Build Build your brand by first defining what you want that brand to be. To make this simpler, it should include no more than three or
four characteristics that describe what you offer or aspire to offer. It is good to be aspirational but it also must be realistic. If you are having trouble getting started, begin by asking people you trust what they immediately associate with you. Ask for honest feedback and listen to what you hear.
Use those reflections to establish your unique brand. Perhaps you want to be known as a very curious, engaged consultant. Or perhaps your unique brand is one of intelligence, candor and strong ethics. A = Actions speak In order to sustain your brand, you have to act accordingly. Your behaviors and the decisions you make daily impact your brand. Be bold in defining your brand and then have the courage to live up to that brand promise. If you are finding it challenging to start living your brand, find someone that has a style, behavior or an approach that you admire.
R = Reflect Reflect on your strengths and liabilities frequently. What is the unique value that you have to offer and what do you aspire to be? Think about your strengths and what you do really well. What do you want to be known for in business? What differentiates you?
Emulate what works. Try it yourself and see if it feels right for you. Experiment until you find your own authentic behavior.
marketing” from friends, coworkers, customers and other contacts. Having a strong brand means finding ways to network and manage what those contacts N = Network nonstop know and then say to others To get others to recog- about your capabilities. nize your brand, you have to market yourself. This clearly D = Decide today takes time and effort, but it “Decide to make managcan be done effectively if you ing your professional brand follow these key steps. To a priority,” Fallon said. share your brand, network “Carve out time each week in the organization you work to fine tune and evolve your in, outside work with other defined brand. Make time to professional contacts and reflect and try out new bein your community. Make haviors and to expand your yourself visible to those that network. There is real power can influence your career. in knowing where you are The key to a successful focused and letting others professional brand is hav- know for what you aspire to ing strong “word-of-mouth be known.”
Protecting yourself from an economy in flux Brandpoint Despite the deal to reopen the government and gains in the economy, the business community is still somewhat skeptical about the economy’s stability. This information comes from the latest Economic Sentiment Survey issued by Michigan’s Walsh College, a private, not-for-profit institution offering upper-division undergraduate and graduate business and technology degrees and certificate programs. While many employers acknowledge that overall business conditions are im-
proving, respondents generally feel the present recovery is fragile and the health care changes might potentially slow the recovery down. With the recent passing of the Patient Protection Affordable Care Act, also referred to as Obamacare, the Economic Sentiment Survey revealed that 73 percent of business-educated respondents believe the impact of the PPACA on the economy over the next five years will make things worse or much worse. As corporations face the challenges of big economic issues such as health care, it’s important for workers of
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