Wasting Time?  Time is wasted when:- A group of people must wait for one person.- A Team cannot readily access the same document or data.- A Task must be redone due to insufficient supervision.
'Horizontal' Software may be called a Suite - or a Platform. - It is very flexible & made to Create new information.- Can be used to create Vertical (specific) Applications.- An example would be 'Adobe Creative Suite'or MS Office.Vertical Software is developed for a specific set of Tasks.
The Platform  is Broad & flexible by Design.- WYSIWYG Design tools for Novices autogenerates code.- Powerful Editors allow Experts to further customize.- Includes an underlying and thoroughly integrated database.- Robust, multiuser access without onerous fees.
Wasting Talent?  Talent is wasted when:- An Expert is assigned a task that is suitable for a Novice.- A Novice is assigned a Task that way over his/her head.- A Novice that is eager to learn new skills is denied access.- Team members are pigeonholed. Latent talent, undeveloped.
There is another 'Great Divide' and that is the one between the Haves and the Have Nots.  Younicycle is affordably priced for any business, not just the 'Fortunate 500'.  Available as a SaaS (online) or as a Server package.
'Vertical' Software is often called an 'Application'. - It is typically developed for a specific set of tasks.- Is 'powered by' the underlying Horizontal Platform.- An example would be 'Recruiting' or 'Benefit Enrollment'.
Wasting Money?  Money is wasted when:- Multiple software packages must be purchased.- Multiple licenses or 'seats' must be purchased for each.- Multiple user interfaces must be learned (extra training).
The Great Divide is Knowledge.  If you have the required depth of Knowledge, you can accomplish difficult tasks but without it, you will either 'give up', assign or pay an Expert or purchase yet another limited use software application.
Cost? 1) Server package for $400.  No limit on number of users.2) Online vsn (SaaS) = $480 per year (3 users).3) Custom programming from $25 to $75 per hour.
Many spokes. Younicycle's framework will allow you to create many types of Vertical Applications, defined only by your imagination.  An Actuary - or a Recruiter, a Benefit Consutant or Insurance Carrier can create compelling, plug-in Solutions.
Need an Edge? Many possibilities:1) Create Customer Solutions & give to them for Productivity.2) Create and sell as a suppemental source of revenue.3) Create, give it away - but charge for added customization.4) Become a Partner.  Sell Younicycle + your Solutions.
One wheel. We've designed the IT Vehicle so that:1) Experts can work side-by-side with Novices.2) WYSIWYG Tools auto generate complex code.3) Each 'mini-app' you create can be shared (or sold).
Getting there is the hard part ... but we've made the trip much easier.  We have spent many years 'blazing a trail' and building the IT vehicle that can get you there, safely & affordably.  Yes, it is easier - but Easy is a relative term.
Start here.  Get there. It's a given that you want to provide superior service for your customers and always keep a responsible. technological edge.  But how?  Younicycle can give you that edge - & be white-labeled for your identity.
It's coming. Like it or not, your competitors are standing outside your customers' front door and can be invited in with a few clicks of a mouse.  We have the high tech and you, the relationships.  Let's talk while the sun is still out.
Personalizing your Employee Communications is critical whenever personal Knowledege is required.  Use Retirement as an example.  Why would an employee care about John or Jane Doe's retirement security?  Meaningless, inaccurate information is not only irrelevant, it's dangerous.  Do it right.
The 3 Steps for effective Employee Communications:1)  Inform: Let them know it exists.  Where? When?2)  Educate Employees:  What is it?  How does it work?3)  Personalize the content.  John Doe is not real.
Employers: Collaborate internally, with us or other Vendors 1) We (or other Vendors) can provide Full service2) Do it yourself (DIY).  You can always ask for help.3) Initial full service -> then DIY in the future.
Your Employee Benefits may be very Cool - but will be ineffective if they remain Hidden.  Employee Benefit Statements help your Group understand & appreciate their Personal, Big Picture.  We have more than 20 years of experience and know all the possible pitfalls.

Poor Henry.  Overcome by events beyond his control.Approximately 3 minutes.
Why won't Employees increase their retirement deferral percent?
Explain.  How? Why?
Go ahead, answer that Question.
Some people are able to extrapolate complex financial concepts and apply the results to their own, specific retirement needs and goals.  Others don't 'get it' and -  if they Don't - they Won't take Action.  They will either be confused ('It's too complicated!') - or worse - be suspicious.  "Why are they trying to Sell me this retirement thing?  What's in it for me? I don't care about John Does or Jane Doe.  That's not my name."
If you present Personalized retirement content, they WILL understand. Don't be concerned that you are 'Selling' anything. You are simply extending the huge pile of expensive Vendor material into ONE piece of paper.  A piece of paper that is Personalized & allows each person to understand how the complex financial concepts apply specifically to their situation.
No need to Sell.  Your Employees will Buy Into the concept.
Financial self preservation is a powerful motive, as is the Truth.
You can do something positive.  You can make a difference.Even your HCEs will benefit by boosting Non-HCE Participation.
The preferred way to pass the retirement discrimination test is to achieve greater participation by non HCEs.  Simple.
- An understandable explanation of dollar cost averaging- The advantages provided by asset diversification- Possible Asset choices for YOUR retirement plan.- 'Bullets' for Your additional info (web url's, Contacts)- Personal tax savings estimate using specific deferral %'s- Personal 'net out of pocket', based on 2 deferral rates- Your calculated match for each deferral rate- (Contribution + Match) vs. "What it will feel like"- Side by side Comparison with a Higher deferral rate- Future Values based on assumed Rates of Growth- A Personalized Overlay Area Chart of those Future Values
A high proportion of Americans do not save enough for retirement.
You have already sent stacks of Brochures, had Group Meetings, several special Vendor  What's wrong?  
A 10% increase in the Average rate of Deferral will likely understate the Actual increase.  No guarantees, but a 15% is quite possible.  This estimate is based on > 200,000 retirement documents to > 100 companies.  Assumes there is an employer match.This product was a featured 2 page spread (Pensions & Investments).  Included as part of Younicycle or available as a stand alone Service.
You haven't Personalized the content. If you do, Employees' lightbulb will switch on. They will 'Buy'.
Retirement education is unlike any other type of learning.  Money is intensely personal.  John Doe is irrelevant. "What about me?" is their question.
No, not with another retirement meeting.  Not with another stack of shiny, $10 brochures.  Not with a website that requires employees to click 20 buttons or enter a variety of retirement data.
You've done that.  Learning has hit the wall.
This time, answer that Question.Give them their answer...
Personalize, print it, hand it to each of them.Make a difference.  Personalized Retirement Communications.
This time, do it right.

Today is the day to begin.  
It's not a moment too soon or a day too late.
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 Boost Retirement Participation: 401(k) or 403(b)
Boost Retirement communications inside page: 100% customized to your Plan. Each word, number, chart, & data item is Personalized.
The next step would be to streamline the Retirement Enrollment process.  A simple task with Younicycle.
This product was originally featured in Pensions & Investments in the early 1990's as a 2-page spread.  Available as an Younicycle solution.