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.
Red = 'papercuts' that bleed us dry. Review closely. If you can't pay with cash, don't get it or don't do it.Use a minus sign in the Change by column when reducing your spending. Example: -100 
MONTHLY BUDGET
CurrentAmt
Changeby
NewBudget
Shelter & Habitat (subtotals)
Rent/mortgage payments
Property taxes
Electricity (AC!)
Garbage, Water (lawn!)
Gas, Heating oil (thermostat hot water heater)
Telephone (how many are truly needed?)
Lawn care & tools, gadgets
Repairs/maintenance
Furniture, appliances, curtains, carpet, decoration, doo-dads
Appliances (includes replacement)
Food (subtotals)
Real Groceries
School/Work lunches (DIY)
Junk/fast food/prepared junk
Transportation (subtotals)
Insurance
Car payment
Gas + public transportation
Repairs/Maintenance
Car washes, cleaning (DIY)
Children (subtotals)
School supplies
Toys/equivalent (phones, gadgets, video games)
Pocket money, trips, travel
Child care/support/babysitter
All insurances
Laundry, dry cleaning, supplies
Personal care (cosmetics, haircuts, shampoo, lotions, etc)
Over the counter drugs
Emergencies
Retirement
Short term goals
Long term goals
Other Basic (subtotals)
Newspaper, basic cable, internet access
Savings (subtotals)
MONTHLY BUDGET
CurrentAmt
Changeby
NewBudget
Credit Card Payments
Installment loan payments
Late payment fees + ATM fees
Miscellaneous (subtotals)
Alcohol
Books, magazines,subscriptions
CDs, tapes, DVDs, Movie rentals
Charitable contributions
Club dues, professional dues
Tobacco
Food -Going out
Food - Ordering in
Gifts/Cards
Movies/plays/concerts
Pets: Food, vet fees, insurance
Sports (fees, clothes, events, clubs, gadgets, equipment)
Snacks, junk, soda, fancy coffee,'power drinks', bottled water
Vacations
Holiday travel, hotels
Need a different mindset? Financial survival requires discipline.  Keep your money in your pocket.
More Miscellaneous (subtotals)
Credit Cards/Loans (subtotals)
Total Current
Total Change
Total New Budget
CalculateYour New Budget
This budget worksheet was originally prepared many years ago as a printed document & recently updated for a customer. We decided to 'take it to the next level' and added some Javascript, allowing employees to test their own spending.  Given recent events, we believe it is time to tighten the belt.This worksheet is functional, though no personal data is collected.
If loaded within Younicycle, it could collect data and show an employee how to redirect their reduced spending to increase their 401k, charted & personalized with future values. This was created with Younicycle, as was this entire site.
Your money tree.A limited resource.
The $100 challenge
Years ago, our grandparents & great-grandparents had an odd & disciplined technique that allowed them to survive during difficult times. Most Americans have long forgotten this discipline and become puzzled when their wallet or pocketbook 'goes dry'.
          "What happened?           Whom can I blame?           It must be 'someone' else's fault!"
We can't control the price of oil, corn or the value of the Euro vs the dollar. What we can control is our own personal spending habits and as with oil, treat our own money as a limited resource that must be conserved and whenever possible, saved.
Spend 1 hour and find $100 of unncessary or frivilous spending. It's there, justlook for it. Worth your time? $100 x 12 = $1,200. Not bad for 1 hour of effort.
This page is included within Younicycle as an example & easily amended for your needs.