... including software to maintain payroll records, (such as Turbotax and Taxcut) are widely available, as are financial analysis packages, such as programs for cash management, anticipating the consequence ... dental insurance, and life insurance. Health and medical insurance typically cover basic hospitalization, laboratory tests and include major medical plans and disability plans. Life insurance provides ... professional associates may recommend suitable candidates. A disadvantage is that you will not reach many potential candidates.2. Placement agencies. You will pay the agency only if you hire a candidate....