lots of people out there know what kiva is.iva is a cool, innovative company yet they don't have a the lot of money to get a big commercial company and so it seemed like a smart strategy and it's working out for these guys. indeed it was. thanks, guys. >>> providing health benefits to your employees is a major cost of doing business. so here now are some tips that could reduce your small business health costs courtesy of the small business section of about.com. one, keep your employees healthy. wellness programs, health seminars and general fitness events at work not only do wonders for overall employee morale but they can also be effective cost saving methods. two, reduce coverage. find out what your employees want covered the most and cut out unnecessary programs. it may be unpopular at first but it will lower costs in the long run. three, health savings accounts. these are tax exempt funds that can be used to pay for certain medical expenses. this could help you reduce your cost and get tax breaks for your employees. tower,