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The key to victory for us was the music. We had two great musicologists — Judith Finell and Ingrid Monson — who broke down the songs and showed that there was copying, not just of feeling. Robin Thicke and Pharrell Williams also were not able to keep their story straight. Most people paid attention to Thicke’s inconsistency — he went from saying he told Pharrell to create a song like “Got to Give It Up” to saying he wanted to have that feeling to saying he wanted to evoke the era to not having any conversations at all. They might have had an excuse for Thicke, but what was Pharrell’s explanation for what I believe were inconsistent and irreconcilable statements? click here, click here, click here

Upset that he wasn’t credited more for time spent in custody, his client, an Ottawa thief who lost his left eye to cancer while at the Innes Road jail removed his ocular prosthetic and threw it at the lawyer, who caught it after a single bounce off the counsel desk. click here, click here, click here, blog

Too bad. If Hale caught it in the air one of his players gets to come back in. Maybe I don’t hang around enough one-eyed people: I thought those things were called “glass eyes” for a reason. Do they bounce these days? Are they like SuperBalls now? click here, click here

“That’s the thing about this business, there’s always something new that happens,” said Hale, who joked that it was a “new form of retainer.” Told it was a good catch, he said modestly, “I could see it coming.” click here, click here, click here, read more

Jesse Whitlock, 32, is going back to jail. The lawyer gave the fake eyeball to a police guard for fear his client, who has mental-health issues, would flush it down a toilet in protest. click here, click here, click here, read more

The Mexican government has condemned the shooting and protests have been conducted in downtown Grapevine each of the past two Tuesdays demanding that a dashcam video of Garcia’s confrontation with Clark be released. click here, click here, click here, read more

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Five member towns comprising the Northern Will County Water Agency voted Monday to implement a formalized system for tracking the organization’s finances, a suggestion made late last year when the agency’s first audit was completed. click here, click here, click here

Going forward, Woodridge, acting as the agency’s treasurer, will invoice members of the agency for 50 percent of their share of the annual budget in January, followed by the other 50 percent in July. click here, click here

If agency funds fall below 25 percent of the annual budget, the second invoice may be sent out sooner. click here, click here, click here,

lso will prepare an annual financial report and has created a fund to better track all receipts and disbursements, according to agency documents. click here, click here

The audit of the agency, the first in its history, found that it ran deficits at the end of each fiscal year from 2009 to 2014. click here, click here

Dan Berg of Sikich LLP, which conducted the audit, said in December that implementing basic billing procedures and other financial processes would “be relatively easy.” click here, click here

The audit Berg presented to the agency in December was just a few pages long. click here, click here, click here

“Auditors would like to have something to audit,” Berg told the board in December. click here, click here, click here

The following chart, taken from EY’s European Banking Barometer 2015 suggests this will not be a good year for people working in the financial services industry. In almost all cases it will, in fact, be worse than 2014. click here, click here,

Surprisingly, or not, this applies equally to people working in the supposedly ‘hot’ areas of compliance, risk and IT. click here,

The only jobs that look safe this year? Based upon EY’s Barometer, which is in turn based upon interviews with 226 senior bankers, you could try jobs in corporate banking, private banking, and wealth management. You don’t want to be working in a ‘head office function.’ click here,

The litigation has cost the towns more than $1 million so far, with Bolingbrook footing about 80 percent of the bill because it has the most customer taps — roughly 23,000 — affected by the disputed pipeline. click here

Salaries for government workers between Grades 7 and 14 were sufficient, the Minister of Finance, Obaid Al Tayer, told the FNC on Tuesday. click here

“There has been a 45 per cent addition in the salaries timetable,” Mr Al Tayer said. click here

“Since 2012, on the basic salary nationals filling these grades enjoy a Dh600 allowance for each newborn child, without a cap on the number of children, and a Dh125 annual bonus.” click here,

Sultan Al Shamsi, a member from Ajman, said that given the high cost of living minimum salaries must be reconsidered. click here, click here

“The overall salary of federal government Grade 10 employees under the married category is Dh7,976 a month,” Mr Al Shamsi said. “Once pension contributions are deducted, the amount is just Dh7,500.” click here, click here, click here

Lower grades earn a minimum of about Dh4,000, he said. click here, click here

“Why won’t the minimum salaries be reconsidered?” Mr Al Shamsi asked. click here, click here

“The lowest retirement salary is Dh10,000. Is it logical that an employee who goes to work every day earns Dh5,000, while one who is sleeping at home receives Dh10,000?” click here

Those in Grades 11 to 14 are employees with a middle-school education. click here, click here

Mr Al Tayer said that changing salaries for those grades would mean amending the entire salary structure, leading to additional costs. click here

Mr Al Shamsi argued that housing allowances, which vary from Dh700 to Dh2,000 for these grades, are “illogical because they are not enough”. click here

He requested that nationals’ allowance be raised to at least Dh3,000, making the overall salary no less than Dh10,000, and pointed out that the Sharjah Government had recently raised the minimum salary to Dh11,000 a month. read more

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French Finance Minister Michel Sapin said it is his responsibility to study ways to generate exceptional receipts as an alternative to the proposed special purpose vehicle to lease military equipment for the services. blog, my site, read more

Finance Minister Arun Jaitley will address board members of the Reserve Bank here on March 22 to inform them about steps taken in the Budget for 2015-16 to boost economic growth and contain fiscal deficit. click here, my site, read more

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. continue, continue, blog

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. my site, read more, click here, click here

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. click here, read more, read more

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. read more, read more, click here

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., blog, click here

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. blog, blog,read more

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. click here, blog, click here

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. blog, read more, click

Under the Jumpstart Our Business Startups Act, companies with less than $1 billion in revenue can file for an IPO with the U.S. Securities and Exchange Commission privately and work out the details with the SEC outside the public eye., click here, click, read

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. continue, continue, more, more, click here

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. continue, read this, click here

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. read this So will this latest jobs data trigger US rate risethat markets have been bracing for? read this The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. continue The US dollar surged to an 11 year high against the euro. more Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. continue, continue Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. read this, continue The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. continue, click here

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. click here

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? more

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. more

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. continue

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. continue

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. read this

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. click here

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. click here

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. more

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. read this

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? blog, read, click No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. blog, read

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. more, read Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., readChinese trade data out yesterday underlined the continuing hit to commodities. click blog

Iron ore export volumes remained steady, though.That means that for the time being our low cost iron ore producers, BHP Billiton and Rio Tinto, are doing OK. blog

A 45 per cent drop in coal imports to China, driven by the slowdown in China as well as its desire to switch to cleaner sources of fuel, is really hurting our Australian coal miners, however. blog, read

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French Finance Minister Michel Sapin said it is his responsibility to study ways to generate exceptional receipts as an alternative to the proposed special purpose vehicle to lease military equipment for the services. my site, blog, click here

Finance Minister Arun Jaitley will address board members of the Reserve Bank here on March 22 to inform them about steps taken in the Budget for 2015-16 to boost economic growth and contain fiscal deficit. continue, my site, blog

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. read more, my site, blog

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. read more, my site, my site, blog

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. blog, click here, read more

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. click here, click here, click here

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., read more, read more

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. click here, read more,blog

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. blog, click here, blog

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. read more, read, read more

Under the Jumpstart Our Business Startups Act, companies with less than $1 billion in revenue can file for an IPO with the U.S. Securities and Exchange Commission privately and work out the details with the SEC outside the public eye., click here, click, read

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. continue, more, read this, more, more

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. click here, read this, continue

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. more So will this latest jobs data trigger US rate risethat markets have been bracing for? more The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. more The US dollar surged to an 11 year high against the euro. read this Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. more, read this Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. more, more The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. read this, read this

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. continue

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? read this

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. more

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. more

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. more

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. continue

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. click here

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. continue

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. click here

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. click here

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? more, more, click No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. more, click

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. blog, click Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., clickChinese trade data out yesterday underlined the continuing hit to commodities. read blog

The value of Australian exports to China dropped by nearly 29 per cent in the first two months of this year, mainly due to the falling price of iron ore and coal. more

A 45 per cent drop in coal imports to China, driven by the slowdown in China as well as its desire to switch to cleaner sources of fuel, is really hurting our Australian coal miners, however. click, blog

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“Yanis, don’t overdo it,” the paper said. “Because the economy isn’t only about the science of handling the budget. It’s about being frugal with words too.” read more, read more, blog

At a press conference he called in Athens last week he refused to answer questions and was also unusually reticent after a later speech. click here, click, read

Your savings habits are admirable, but you shouldn’t worry too much about “locking up” your money. There are a number of ways to tap retirement funds if you really need the cash. Ideally, you’d leave the money alone to grow tax-deferred until you’re ready to retire, but you’re not required to do so.

If you work, however, the math becomes less clear. When you start benefits early, your check is reduced $1 for every $2 you earn over a certain limit, which in 2015 is $15,720. That penalty disappears once you hit your full retirement age. click here, read this, read this

If she lives in Iowa, Kentucky, Maryland, Nebraska, New Jersey or Pennsylvania, she could owe a maximum of 16% of the money to her state. Typically the rate depends on the relationship between the deceased and the heir, with close relatives paying less than more distant relatives and friends (or employees). more, read, read

On Friday, Deldin said the county is working on the posting for the $132,000-a-year job. He previously told the board that he hoped officials could interview candidates at the end of March and bring a recommendation from Executive Mark Hackel to the board by the end of April. blog, read, blog

There were about eight people with experience in the government sector. Of those, three candidates were interviewed. A finalist was selected and the county made an offer, Deldin told the board, but the two parties could not reach an agreement. click here, click here, click here Deldin said Friday that he didn’t know what the sticking point was for the finalist, but it could have been a combination of salary, benefits and a different retirement plan. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. click here, read more, blog

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read more, click, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, more, more, click here

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. read, more, click, more

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. read, continue, click here

Phone home. If you’re going to be far from headquarters, it’s critical that you figure out a way to set up frequent contact. That way you can smooth out any misunderstandings or misperceptions. If you can’t visit the home office (whether because of a hectic schedule or cost), invite your manager to visit. If that’s not an alternative, use conference calls or Skype to stay at the front of your colleagues’ minds. click here, click here, click here

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Alexis Tsipras appeared to confirm reports he had ordered Varoufakis to keep a lower profile in an interview with the German magazine Der Spiegel on Saturday. blog, click here, blog

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” read, blog, read more

Survivor benefits are different from spousal benefits, which inflict some severe penalties for starting checks early. When you start spousal benefits before your own full retirement age, you’re locked into a permanently smaller check and you can’t later switch to your own benefit, even if it’s larger. The only way to preserve the ability to switch is to file a restricted application for just the spousal benefit at your own full retirement age (which is 66 for people born from 1943 to 1954 and gradually increases to age 67 for people born in 1955 and later). Then you preserve the right to change to your own benefit when it maxes out at age 70.

If you work, however, the math becomes less clear. When you start benefits early, your check is reduced $1 for every $2 you earn over a certain limit, which in 2015 is $15,720. That penalty disappears once you hit your full retirement age. click here, continue, more

If she lives in Iowa, Kentucky, Maryland, Nebraska, New Jersey or Pennsylvania, she could owe a maximum of 16% of the money to her state. Typically the rate depends on the relationship between the deceased and the heir, with close relatives paying less than more distant relatives and friends (or employees). more, click, more

“The finance department is our lifeline to get anything done and we’re looking for the right person,” Deputy County Executive Mark Deldin told county commissioners during an update on the search last month. continue, read, continue

Deldin told commissioners that nearly 50 people applied for the position when it was posted in September on the county’s website, through state organizations to which county finance directors belong and at universities. click here, click here, click here Deldin said Friday that he didn’t know what the sticking point was for the finalist, but it could have been a combination of salary, benefits and a different retirement plan. click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. read more, click here, click here

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click, click, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. read this, click here, more, read this

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. blog, more, click, click

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. read, click here, click here

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

Blog News

Jack Harris needed something to ease his shoulder and arm pain. A fusion would limit his mobility, but an artificial disc replacement seemed like a good solution. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal comes at a time when the fund, which dates to 1911, has seen its surplus decline, partly because in 2009 the Legislature decided its surplus was too high and forced it to refund $12 million to its insureds. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

But some worry too many physicians will turn to this type of practice, which will add to the doctor shortage, and it can be expensive depending on the service. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

click here,

click here

The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

click here,

click here

Blog News

“[It was either] the money I worked so hard for, I worked so hard to save or my health. And you know, some people can’t make that decision and at least I could, and I chose health. I chose to have the surgery done,” he said. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal orders a halt to the Local Government Property Insurance Fund, which insures property owned by schools, counties, cities and other entities. The program is managed by the state Office of the Commissioner of Insurance. Walker’s budget specifies that “no insurance coverage may be issued” under the program after July 1 and no existing coverage may be renewed after Dec. 15, though those dates may change. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

“For lack of a better term, it has a certain snob appeal that I can go to the doctor who I want, not who the insurance company tells me I have to go to,” said Scott Blumenthal, an orthopedic surgeon at the Texas Back Institute. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

click here,

click here

The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

click here,

click here

Insurance

The draft is being circulated by Senator Orrin Hatch of Utah, chairman of the Senate Finance Committee; Representative Fred Upton of Michigan, chairman of the House Energy and Commerce Committee; and Representative Joe Pitts of Pennsylvania, chairman of the health subcommittee. It threatens to undermine the progress made in reducing the number of uninsured children, gains that came from enrolling more children in Medicaid and in CHIP, which covers children whose families earn too much to qualify for Medicaid insurance, insurance, insurance, loans, loans

“I can’t live in my house,” O’Brien said. “The Town of Hempstead put up a big sign on it saying it was unfit for human occupancy…It’s got extensive damage” finance

O’Brien said when she tried to collect the insurance money she was denied for owning a pit bull. finance

“It really is a nightmare,” O’Brien said. “I would have never have imagined an insurance company would not pay because of a dog.” finance

She is suing Adirondack Insurance and her insurance broker, Sidakas Insurance Agency, because she believes Sidakas forged her signature on documents that said she did not own any pets. finance

“I never saw the document, I most absolutely never signed it,”O’Brien said. “I trusted Sidakas Agency. I’m not sure who did that at the agency or why they would have done it.” finance

Adirondack had no comment and a call to Sidakas was not returned. finance

O’Brien and her three children are living with friends as she continues to pay the mortgage on her home. finance

A result would be fewer children enrolled in the program. The proposal would also eliminate a requirement that states enroll children who are just above the poverty line in Medicaid. This would enable states to move them from Medicaid back to CHIP, where enrollments are often limited by budget caps. insurance, insurance, insurance

And the proposal would allow states to impose a 12-month waiting period (up from the current 90 days) before children who lose coverage from a parent’s insurance plan can be enrolled in CHIP. That is a very long time for a youngster to go without insurance and the regular care it provides. Many families in that situation will not be able to afford coverage on the new health care exchanges. insurance, insurance, insurance

It would reduce federal financing of CHIP for families with incomes above 250 percent of the federal poverty level and eliminate federal help for those with incomes above 300 percent of the poverty level. More than two dozen states and the District of Columbia now cover children in one or both of those income groups. The proposal would also eliminate an increase in the federal matching rate for CHIP that is scheduled to go into effect in 2016 in all states. insurance, insurance, insurance, loans

Berkeley North Palm Beach

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http://vimeo.com/105134549 | dui las vegas | dui law firm . District Judge Charles Breyer of San Francisco asked a federal prosecutor whether the change would affect the sentencing of a Mendocino County pot grower, who pleaded guilty to charges requiring at least five years in prison. Sponsored by two California congressmen, Republican Dana Rohrabacher of Huntington Beach (Orange County) and Democrat Sam Farr of Carmel, the amendment prohibits the government from spending money to prevent 32 states – California and 21 others that allow the medical use of marijuana, and 10 more that legalize hemp oils – from “implementing their own state laws.” what is in las vegas | criminal defense lawyer las vegas | drunk driving defense

A day after President Obama signed the new law last week as part of a government spending bill, U.S. attorney

The legislation should persuade Haag’s office “to lay down its arms so as to end the costly and misguided offensive on the rights of medical cannabis patients,” said Henry Wykowski, a lawyer for the dispensary

Criminal Law Attorneys

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Padilla says his business has dropped about 20 percent. Of them, only 268 are out on bail, meaning bounty hunters will not be actively searching for the other more than 64,000 people. free lawyersyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

While Padilla understands voters believed Prop 47 would help reduce overcrowded jails, he thinks lowering bail amounts would have been more effective in doing that.

“Families get together and they ask where their loved one is. “Why not utilize an industry that does that at no cost to the tax payers?”

Thanksgiving is typically a busy day for bail bonds companies.

Padilla has been involved in the family business for the last 30 years, but ever since voters approved Prop 47, fewer people need to be bailed out.

In Sacramento County, there are currently about 65,000 outstanding warrants on offenders who failed to show up for their court date. They’re in jail, they talk about and say, ‘Hey, let’s put our money together,’ and they get together and sometimes come down and bail them out,” bail bondsman Greg Padilla said. He added it’s more than the risk of his business failing – but the system as a whole.

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“(The law) essentially took a whole list of crimes and made them misdemeanors,” Padilla said. it san diegoyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

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“When people do miss court, and they’re not out on a bond, law enforcement does not have the ability or manpower to go out and apprehend these people,” Padilla said

Family Law Attorneys

Someone might say that coffee, exercise or eating bread might sober you up quickly, but the only method that really works is time. A DUI can be very costly and can even result in jail time. Out of those arrests a majority made over the New Year’s weekend. A person may not feel drunk because of a built up tolerance to alcohol and that they are merely feel buzzed, but this can still result in a conviction, injury or even death. family court lawyers | family law firm

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If someone is a resident of Pleasanton, Livermore or Dublin call Nor Cal Bail Bonds to get picked up from a bar to make sure everyone is able to get home safe. It is important to understand that buzzed driving can still be very dangerous. san bernardino county divorce | lawyer salary. They are willing to pick anyone up from any bar in the Tri-Valley area at no cost from December 22, 2014 and March 22, 2015. It is estimated that in California a first offense misdemeanor DUI can cost over $15,000 and result in a license suspension. Getting charged with a DUI is a 100-percent avoidable as long as everyone is responsible when drinking and makes sure to take preventative measures. criminal florida lawyer

During the 2013 holiday season about 2,575 arrests were made on California highways. It can take several hours for alcohol to properly filter through the bloodstream

Insurance

He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. read more

Google and Apple also have other advantages, including being ubiquitous in the lives of many consumers and having been accepted as big data collectors.

Mr. Picton was on the board of elders. He and his wife, Bebe, became devout Christians in 1951. He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom. Mr. Arrangements are by Fred Hunter’s Funeral Service in Florida.

Mr. among them, his son said.

Google and Apple didn’t respond to requests for comment.

Mr. He liked working with people and helping people,” said Byron Jensen, a friend for more than 45 years, first through Christian Fellowship of Toledo, where Mr. Picton also had been an officer in Christian Business Men’s Committee, an international group.

lRelated Tech-industry leaders see 2015 big for health care, wearables, mobile

The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on Read more… as usage-based insurance policies, Puri and other speakers at the event suggested.. continue

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.

He received a bachelor’s degree in physics in 1944 from the Massachusetts Institute of Technology. Visit us. href=”http://cheapautopolicy.com”>click here

A service will be held Wednesday at John Knox Village, and a family gathering later. Picton became deeply involved with Christian Fellowship, a congregation on Monroe Street that formed the year before. Carrying on the tradition of that Linkedin agency was important to him, and that he was providing a service that people needed, and he was trying to do the right thing for people.”

“Because of what Google and Apple can do, they are in the position to gather so much data, and that data may be more insightful than traditional variables,” such as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance survey department in Chicago. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Feeds Casualty Underwriters.

His son said, “He was following in my grandfather’s footsteps. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

“He was more of a relational guy. and Owens-Illinois Inc. “It completely changed their lives,” his son said.

Mr. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. Picton, formerly of Ottawa Hills, joined the firm in 1947. car insurance quotes online That was important to him, to make his father proud. read more

They also raised questions such as: What happens when, say, Google has the data about losses to insurers? Does it charge insurers for it?

He had dementia, but was only ill the last few weeks, his See page son Ken said

In 2013 the number was just 16%. more…

That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

The national pediatrics organization payday loans online this year issued a policy statement suggesting that the federal government may want to limit high-deductible health plans to adults because its members see families withholding important primary care for their children. Both are federally regulated and have strict data security compliance standards. click here

“More and more of [the cost] is being put on the employee, and cheap auto insurance because of that, they’re reluctant to get the care they need auto insurance quotes because they’re concerned about the cost,” she said. read more

Assemblyman Craig J. Because their bodies are young and in development, children are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it click here said. news

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills would be for his back. That figure is up 65 percent over 2013, according to the survey. Some cover lawsuits and regulatory claims, some cover the cost of investigation and repair, some cover notification and identity protection for customers whose information was taken, said Seth Harrington, a lawyer with Ropes & Gray in Boston who focuses on responses to data security incidents. They go after the little ones who aren’t really paying attention.” read more

It’s important to remember that cyber insurance actually is a bundle of several types of policies. read…

If his blood pressure reading is high, the Browns Mills man said he will go online to read up about foods he should eat and items he should avoid to get that number down. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by the Ponemon Institute, an independent privacy and information security organization, found. “That’s how these hackers practice. read…. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. blog

“If one of those got lost, that’s millions of dollars in liability,” Hanson said. blog

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. read more

“Unbelievable,” he said. news

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. news

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured. blog

Korobow is part of a growing swath of the American public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. click here

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. Today courts hold companies responsible for the fallout from a breach, as Target is finding. click here

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. click here

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. more…

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional help. more…

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. “How do they justify it?” click here

The owner at first said he didn’t have a lot of online exposure. news

Smaller businesses are especially vulnerable, said Ness. read…

“Those things shock the conscience,” he said. news

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a need because of cost hit an all-time high of 34 percent. more…

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. click here

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen in Charleston, S.C., who specializes in data security. blog

“If I have a cough,” he said, “I hope for the best, so to speak… You don’t want to go to the ER, because that could cost hundreds.” more…

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. car insurance quotes | payday loans online

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from click here visitors or holding client or customer information. read…

He said his share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” click here

The Gallup survey showed that Obamacare has begun to help its target group as a whole. “This is especially true in New Jersey, which has payday loans online some of the highest health care costs in the nation.” read more

The problem is easy to identify but difficult to solve. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered through his wife’s insurance policy, says he might make around $20,000-$30,000 a year. “I self-treat myself,” he says. more…

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. The federal health care law targeted this population because it was the largest group among the uninsured – too wealthy to qualify for Medicaid, too poor to afford coverage. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. The owner ended up buying a cyberliability policy.

Antivirus software powerless against click here Sony hackers

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. blog

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. news

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. blog

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. blog

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first 10 years, she added. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. read…

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized insurance and financial services firm, spoke with recently. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. more…

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide click here coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles car insurance quotes and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. read more

It’s justifiable because health care is costly, but many factors go into the price of its goods and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. more…

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a vice president at NFP Property & Casualty, an insurance brokerage. read more

“I can’t afford the full price of medical click here insurance,” he said, “or go to the emergency room at $500 a shot.” read more

Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. Coughlin in October chaired a hearing over health care costs. news

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health care for consumers,” he said. more…

In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. news

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. news

That’s no longer true

DUI Lawyers

Faced with a crisis of painkiller and heroin addiction, law enforcement departments across the country began read outfitting officers with naloxone kits to reverse overdoses encountered on patrol. In New York, the department pledged this spring to provide its roughly 19,500 patrol officers with the drug after a successful pilot program on Staten Island. Philadelphia DUI Lawyer

While the drug comes in injectable and intranasal forms, most police departments use a high-concentration formulation made by Amphastar Pharmaceuticals that can be sprayed into the nostril with an atomizer attachment. Chicago DUI Attorney

The strongly worded two-page letter amplified a growing chorus of complaints by the loans police and public health officials from Georgia to San Francisco about a recent jump in the cost of the drug, naloxone, which counteracts the effect of a heroin or opioid painkiller overdose. In some cases, the price more than doubled. Denver DUI Lawyer

Laurie Sperring at Rikers Island jail complex.Heroin Takes Over a House, and Mom, on New York’s Staten Island Phoenix DUI Lawyer

A kit with naloxone, which reverses the effects of a heroin overdose.Naloxone, a Drug to Stop Heroin Deaths, Is More Costly, the Police SayNOV. 30, 2014 Las Vegas DUI Attorney

“A dose of naloxone that a participating police department had purchased for $14.90 in August is now selling for $34.50,” he wrote in the letter, which followed a report in The New York Times on Monday about similar increases around the country. A naloxone kit bought by another police department, which includes two doses and two atomizers, rose in price to $109 from $54, he added. Los Angeles Car Accident Attorney

Mayor Bill de Blasio said on Tuesday that a city his opponents once said would grow more dangerous under his watch had, in fact, become even safer. click here

In April, Mr. Schneiderman’s office began a $5 million program to reimburse police departments across the state for purchases of naloxone. Since then, Mr. Schneiderman said, the price paid by departments has surged. Los Angeles DUI Attorney

“These increases threaten to curtail access to a drug just when it is needed most,” Mr. Schneiderman wrote to Jack Y. Zhang, the chief executive of Amphastar. “To date, Amphastar read more Pharmaceuticals has failed to provide any satisfactory explanation for dramatically increasing the price of a critical lifesaving drug.” San Diego DUI Lawyer

It is that generic version of the drug that has steeply increased in price in recent weeks. San Diego DUI Lawyer

A nasal-specific naloxone product has not been approved by the Food and Drug Administration. Amphastar’s formulation is used “off label,” in combination with an atomizer, to administer the drug through the nose. Houston DUI Attorney

In recent quarterly reports, Amphastar pointed to increased sales of naloxone as a bright spot, observing that it helped make up for losses from other products. read more

Network

White said that insurance workforces will be shaped by a number of trends, particularly the ageing Australian population, the increase of university graduates from emerging economies, the increasing demand for flexibility from employees, and the growth of ‘skills marketplaces’ such as Airtakser and Freelancer.com.

Belyea said the internship functions as a “test drive” for young potential hires, and limits potential employee turnover in the future.

Another way to make insurance agency work more attractive to young hires is loans by offering the opportunity to work remotely, said Sharon Emek, CEO and president of Working at Home Vintage Employees (WAHVE). read more

“If they know they’re working for an agency that offers the opportunity to have a career with flexibility, you will definitely read have more young hires,” Emek told Insurance Business. “It’s a good opportunity for young people to be mentored by aging workers with institutional knowledge, while having them stay engaged with the industry as long insurance as possible.” read more

While young agency employees can’t expect to start working from home right away, Emek said the possibility of a more flexible work approach in the future makes a career in insurance more appealing. read more

“We’ve been doing a lot of hiring, hiring into junior positions,” said Belyea, who serves as COO at Moore-McLean Insurance Group Ltd. “And we’ve found that hiring three summer interns each year is a great way to expose college kids to insurance, because getting good people is as important as getting clients these days.” click here

WAHVE is a consultancy that seeks to place qualified remote workers with independent agencies seeking new click talent. read more

Unfortunately, young graduates and millennial employees harbor an opinion of the insurance industry that is less than favorable. A joint survey from The Institutes and the Griffith Insurance Education Foundation revealed that young employees view insurance as “boring.” read more

In order to overcome that perception, hiring agencies must angle recruitment from simply selling insurance and instead focus on career development, problem solving and helping people. read more

“Messages need click to avoid a focus on selling insurance, as this was the most common reason why millennials were not interested in working in the insurance industry,” the read survey found. “Also, the messaging needs to combat the image of a read more boring industry.” read more

“This data makes it clear that agencies cannot afford to continue to do business as usual when it comes to hiring new producers,” researchers wrote. “The most relevant agencies of the next decade will not only hire aggressively in the short-term, they will work to improve their retention in the long-term to ensure success.” read more

The bottom line, MarshBerry said, is that independent agencies need to start recruiting younger producers immediately. read more

According to a report click from management consulting firm McKinsey & Co., the average age of a US insurance agent in 59.

For agencies click here to ensure they’re hiring quality potential hires, a temporary internship is an ideal solution, says John click Belyea.

News

IRS rules required Website that the company also offer their dozen employees $50,000 in group term insurance as part of the program, but the small premiums on those plans didn’t count toward the employees’ income. The employees See here could choose View to add a permanent life policy similar to the owners’ policy. However, being taxed on those additional insurance premiums didn’t make sense for the staff.

My husband and I are in our mid-40s, and we are interested in additional life insurance beyond what his company offers. His employer group policy would provide $100,000 for his untimely death and $50,000 for mine. How much life insurance would be appropriate with two teenage children? We have excellent credit with not much debt. Also, how much should we expect to pay?

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The couple’s business had a banner year, generating about $1 million in profits–much of which they planned to take as personal income. sarasota dui lawyer

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A drawback read of Section 79 plans is that you have enough cash flow to fund the premiums, but the clients’ company was growing fast enough to support the cost. Also, the returns are capped, meaning the policies could feasibly earn less than market returns.

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Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice Visit treasure hunter who claimed he found thousands See here of emeralds off Key West, testified that he and Silverstein clashed over how and when Read here to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but View website it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://daltonsautomotiveandtire.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Official website Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my Click here dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second More year of Visit this site law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I Visit homepage would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start Hyperlink over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from Great site an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://californiaautoshop.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title Go here now to the emeralds, the Click revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in More info the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of yahoo the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Great site Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a Internet bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas Visit site ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out See page into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but Visit here they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Insurance :: Fred Loya Insurance – Local Insurance Company

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A federal judge could rule early next week whether to toss a sanctions case Click here against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Visit the website Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein RSS Feed clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://eriestationgrille.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf Read more… of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott Official site graduated with a business degree from Troy University Dothan, and went into Go here the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then Continue… I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and Online a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I Click here! was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan Sites law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Finance :: Wealth-Building Articles

While every household has some fixed costs, like your mortgage payment and utilities, you do have control over other expenses like your grocery bill. …. in bulk, soaking them overnight. You also avoid all the sodium that comes with canned food items. So you’ll not only save money, you’ll also eat better.

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Help With Money problems By Boby Lepa

Do I Need Renters Insurance? By Ilidio Cardoso

Wealth-Building This site Articles

What Happens to Your Pension When You Pass Away? By Royston Seeney

Fortunately for some people credit does not always remain in a fixed state. Credit can be built or lost depending on the actions that one takes. Reading …. yourself on how to do so is of great importance, and by using what you have learned in this article, you will be able to get back on the path to good credit.

Why Real Estate is Your Best Investment By Eugene Vollucci

Financial Planners play a important role in helping their clientele preserve, invest, and consequently grow their capital. Typically they can help plan …. find out later that you’re comfortable working with and they will make the time to ensure that your financial concerns and questions are addressed.

Home Finance Wealth-Building

Financial Plan is Important So Why Many of us Don’t Have One? By Daniel Hanzelka

Great Tips To Help You Repair Your Credit By Ian Stover

Anyone that aspires to do well on the Internet needs to have a website that is well designed and performs for them everyday. It is not possible to have …. something, then you have to get the experience by actually doing it. To succeed online, just follow this path, and you should reap the rewards of your efforts.

Selling your home in the post-housing crash world can be more challenging than in previous times and the home seller should do as much as possible to avoid …. make sense to withdrawal the property and relist since there can be a stigma attached to a properties that sit on URL the market for long periods of time.

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Real Solutions To Your Credit Woes By Original site Kerry Brandmeier

Using Real Estate to Control Risks Real estate allows you to control your risk because you can actively participate in the decision-making process …. certificates, but you can stay warm and dry with a roof over your head. There will always be a need for housing. And midsized apartments fit the bill.

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Medicaid’s Treatment of IRA Annuities By Dale Krause

Each year in Read more… Canada, billions View of dollars in assets are transferred at death. If you plan to transfer all or some of your assets to your heirs, you want …. meet with your advisor to discuss your wishes for wealth transfer. He or she will be able to help ensure that your assets are distributed as you wish.

You Can Improve Your Credit With These Easy payday loans Tips! By Kerry Spencer

In most states retirement accounts and retirement annuities are treated differently for Medicaid purposes. A retirement account will traditionally be …. consult with a representative of Krause Financial Services for further clarification on how annuities are treated for Medicaid purposes in your state.

4 Mistakes To Avoid When Selling Your Home By Frank L. Defazio

We all love to dream about the future we want, but many of us do not like the idea of organizing our finances and preparing a financial plan. It seems …. because you think you don’t have enough you should not have a plan. A Financial Plan will help you define the goals and dreams you want to accomplish.

The This site Effective Website For Your Read more… Business – 3 Important Strategies By Felton Wildberger

Ensuring the financial security of your loved ones after you pass away means understanding your pension product and what it can do for you. With so many …. be paid to your nominated charity. The payment is tax free providing that you have no dependants; if you have, the payment will be subject to a 55% tax.

Things To Look For When Dealing With a Financial Adviser By Mary Ree

Using Technical Analysis To Manage Risk And Maintain Top Quartile Performance By Dwayne Strocen

Throughout the course of your life, you will find some things to be Free rates here! incredibly easy, one of which is getting into debt. Whether you have student loans …. understanding the three credit reporting agencies as well. Follow these tips and you will be on your way to understanding and controlling your credit in no time.

The Importance of Planning for Wealth Transfer By Phil Edney

Saving Money at the Grocery Store Can Help You Pay down Debt By Arthur Vitale

Though it is n’t required by law, renter’s insurance policy is important because it protects your properties–furniture, clothes, gadgets–in case of disasters …. for them. You can consider “medical payment to others” policy, credit card , bank forgery coverage, and “property of others” coverage.

Throughout the course of your life, you will find some things to be incredibly easy, one of which is getting into debt. Whether you have student loans …. should be repaired immediately, and if you remember the information that was provided in this article, then you will be on the right path to credit repair.

Finance :: Mortgage & Debt Articles

Mortgage & Debt Articles

Home Finance Mortgage & Debt

Who Can Benefit from an Offset Mortgage? By Laura Ginn

Over the last decade, the offset mortgage market has experienced exponential growth. Low savings rates combined with increased consumer awareness have …. right for you. It’s wise to speak to an adviser or auto insurance quotes independent mortgage broker, who can steer you to the best mortgage deal for your individual needs.

Top 7 Tips for Move here Buy to Let Mortgages By Laura Ginn

There is a growing number of first-time buy to let landlords in the UK. With buy to let mortgages offering attractive rates, rent prices hitting new highs …. agency then you also Go here now need to take account of letting agents’ fees. This can be as low as 7% of your rental income, and so may be worthwhile for you.

Over One-Third of Income Spent on Mortgages or Rent in Many Households By Laura Ginn

Although mortgage interest rates have hit a historic low, many households are paying over a third of their income on housing costs. According to an Ipsos …. 34;many of them are choosing between paying the rent and read eating or they’re choosing between paying the mortgage or having a repossession order.”

Tips for Mortgages By Laura Ginn

Signing up for a Learn more mortgage is a necessity for many people who wish to own their own home. There aren’t many people who can afford to spend several hundred …. finding it much easier to get the results they want. Even if you’ve tried to refinance in the past, now is the time to try again and hope for the best.

Analyzing the Terms and Conditions for a Mortgages Comparison By Laura Ginn

When analyzing the terms and conditions for a mortgages comparison, there are always a few factors you’ll want to keep in mind. Many people look at …. insurance after a period of time by refinancing. The money paid by the insurance policy goes towards paying off the original loan Continue… in the event of a default.

How to Maximize the Way You Use Your Visa Credit Card By Laura Ginn

Using credit cards poorly has the potential to sink you into debt and rack up enormous interest fees. But used correctly and conscientiously, you can reap …. other cards, knowing the terms, conditions and benefits of all of your cards is cheap auto insurance important for getting the best deals and the most savings out of cheap auto insurance your card.

How Offset Mortgages Work for Fixed and Tracker Mortgages By Laura Ginn

For consumers who are looking to save money on their home loans, the first option is usually to opt for a home loan that offers the lowest interest rate …. years, these loans have become increasingly affordable and are now available to anyone that wants to make sure their money is working a little bit harder.

5 Smart Strategies to Eliminate Your Credit Card Debt By Laura Ginn

The excitement of making just the minimum payment on your credit card balance only lasts a while. Millions of Brits, who carry a balance, discover the …. you to develop your battle plan for tackling your debt. Remember, the most valuable instrument in this battle is your commitment to your financial goals.

Business Bridging Finance By Dave Jones

You have a business and need a short term and fast loan? If so, you might find that the best option for you is business bridging finance. Bank Lending …. a unit that needs work. Some short term finance lenders will even offer loans to help with the cost of doing the work, allowing even more flexibility.

How Credit Scoring Works By Nick Ihrke

One thing that some people don’t realize is that they don’t have just one credit score, they have several. There is currently more than 100 credit-scoring …. #34; cards. Installment loans are good because lenders will usually require more documentation about your financial history before granting the loan.

A Lender Misrepresentation Could Allow for an Injunction to Stop a Foreclosure By Eddy Warren

We will employ the terms “fraud” and “misrepresentation” generally, however you should notice that these phrases may have significantly …. particular bank has made a vital misrepresentation to you before a foreclosure, you need to seek the advice Reference of a legal professional licensed in your state.

Mortgage Scams Lead to Debt And Harassment By Garret Frison

The Federal Trade Commission has stepped up its investigations and prosecutions of mortgage relief scam artists. Since the start of 2013, the FTC has obtained …. received a $2.39 million judgment, bans them from marketing relief products or services, and from making misleading claims about anything they advertise.

Wait! Conventional Home Loan? There’s a Difference? By Corey Bellcastro

Yes, there is a difference. Not all loans are created equal. A conventional home loan is basically a home loan that is not backed by the federal government …. lender’s discretion. (Higher down payment for individuals with lower credit scores.) 3.) Fewer financing options. 4.) Must carry mortgage insurance.

A Few Reasons People Get 2nd Home Mortgages By Corey Bellcastro

First of all, What is a read second mortgage? A second mortgage is a loan on your home, just like your primary mortgage, but usually for a smaller amount and …. think you could benefit in one of the three ways above. Make sure to inquire with your loan officer or broker. They will steer you in the right direction.

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Finance :: Are You Fearful of Your Finances in Your Retirement Years?

I know how easy it is to be complacent and figure it will all fall into place when the time comes. Or that your husband, father or brother will keep you financially safe and you don’t have to worry your pretty little head about it. Hint: Men are not a retirement plan. Or, like me, your husband passes away and you have big decisions to make about Social Security. When to take Social Security is a big decision and not to be taken lightly.

I am really not trying to frighten you. I want you to be informed. I want you to have happy and financially safe retirement years. We live longer than men so we need to plan well.

To our long lived, financially free retirement years!

You are a smart, savvy and talented woman. You have a good head on your shoulders. You are a ‘take charge’ woman in almost all areas of your read more life.

Does that include your finances? The reality is men are much better about this than we women. Finances can scare you and when you are scared or intimidated you have a tendency to do nothing.

You can’t afford to do nothing! This My company is your future we are talking about. Do you really want to have to live with your children because Resource you have no other option?

Do you know that women lose 60% of their wealth after a death or divorce? (This is from Bob Melville, an economist that teaches at the University car insurance quotes of Denver’s Women’s College.

Sadly, most women will answer ‘yes’. That said, you have more control over your financial situation than you probably think. And if you don’t think you have any control then it’s time to be proactive and take some action. This is your life. This is your future.

Do you have a financial read View publisher site more advisor? I have been with mine for over 25 years. Do you need one? Are you doing all your retirement investing on your own? That’s fine if you are confident you know what you are doing.

He suggested what he considers an informative and easy read book. “Your Money or Your Life” by Robin, Vicki,Dominguez, Joe,Tilford, Monique

Take out 4% in your retirement fund to keep up with inflation Best to take out your Social Linkedin Security at age 70 if you can wait that long. That will yield you the highest monthly payments made to you If you have an Annuity, does it have ‘cost of living ‘ riders? Not all do. This was news to me: if you are divorced and were married at least 10 years you may be eligible for half payday loans of his Social Security. And don’t worry, he will never know you are getting a monthly check and it will not hurt his Social Security. This is true even if he has remarried. Please don’t Check this out dilly dally on this. If you have been putting off getting the straight ‘news’ about your retirement situation, it’s time to start.

Here Visit this page are some other tips he recommends:

Insurance

Discover Bank also announced that it would be launching a student loan repayment assistance program in early 2015, but the details of the program haven’t been released.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have loans gotten themselves into financial trouble with private student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own payday loans protection. However, when these loans are exhausted, some students turn to private loans to fill the gap.

Private loans typically have higher interest rates than Federal loans, and have far fewer protections for borrowers. There are also few choices in repayment plans beyond the standard fixed repayment.

Private Lenders Must Compete With Federal Programs

For borrowers, there has been a lot of confusion around private versus Federal loans. While Federal student loans offer various repayment programs, student loan forgiveness, and student loan consolidation options, private student loans do not.

This has made it difficult for private lenders to compete with the Federal government for traditional students. Instead, private lenders have focused on areas where the Federal programs don’t apply: medical school, law school, graduate payday loans online loans, and more. But the risks are higher, and lenders face View shareholders where the government does not.

The trouble is, borrowers in these loans take on more debt – especially in the graduate segment, than they can likely afford. The result is the lenders are facing higher default risks in their portfolio. In Main page turn, it make sense that they will begin offering more structured programs to get borrowers paying on their Go here now loans as much as possible.

Borrowers Still Have A Tough Journey

However, borrowers with private loans still have a tough journey to face if they want to get a private student loan modification from their lender. it’s important that borrowers remember that these are still for-profit companies, and so any loan modification is not going to be structured just to help the student, but also help the bank as well.

Here’s what Wells Fargo is offering borrowers facing financial hardship:

When you are having difficulty finding employment, have experienced a job loss, or payday loans have an unplanned medical expense, we understand that keeping up with payments can be difficult.

We may have options that will provide temporary and permanent relief, such as: Short-term payment relief for up to two months as long as you’ve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, and Loan Modification Program payday loans which may temporarily or permanently lower payment amounts.

When borrowers contact Wells Fargo with a financial hardship concern, they should be prepared to gather supporting financial documents that may include pay stubs, or other types of income documentation, along with information surrounding the customer’s complete financial picture to evaluate the severity of the financial hardship. Even then, it’s no guarantee that Wells Fargo will agree to any student loan modification.

At the end of the day, it’s important for borrowers to remember that there is no escaping payday loans student loans. These programs are nice, but they are more window dressing than anything Feeds else. They won’t help many borrowers, and won’t fix the bigger financial implications of student loan debt.

Insurance

There are other problems that are nationwide. In a previous post, I argued that is that in the very act of getting health insurance to more people, Obamacare is reducing the funds safety hospitals have to deliver care to the most vulnerable populations:

“Being chosen in the monthly lottery can be life-changing for those who are poor and without health insurance in Arlington, one of the nation’s wealthiest counties. Each month, about 100 people line up for the chance, a multilingual mix of hope, desperation and determination.

There’s just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you leave the group (switch jobs). Most states explicitly outlaw employer’s buying individually owned insurance (which employees can take with them) with pretax dollars. Even if a state hasn’t outlawed it, most lawyers think the practice is illegal under federal law.

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John C. GoodmanJohn C. Goodman Contributor

I offer market-based healthcare solutions.

Opinions expressed by Forbes Contributors are their own.

HEALTHCARE, FISCAL, AND TAX 11/25/2014 @ 10:13AM 591 views

What’s Wrong With Our Health Care Safety Net?

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California expects to enroll 2.6 million additional low-income families in its Medicaid program this year. But here’s a surprise: an even greater number of people who were previously on Medicaid may not renew. That’s right. The total number of people with Medicaid coverage may actually go down. Both changes are due to Obamacare.

One thing that can be said in favor of a lottery is that administrative costs are almost zero. In California, by contrast, one reason people are not renewing their Medicaid coverage is that they are being drowned in a sea of paper work. As Jenny Gold explains at Kaiser Health News:

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Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who buy individual insurance with pre-tax dollars. And it’s been getting away with it. That’s partly because most states practice a “don’t ask; don’t tell policy.” If an insurance agent doesn’t ask where the premium dollars come from and the buyer doesn’t disclose the source, the agent is off the hook. (In Texas, by contrast, agents have an affirmatively obligation to determine where the money comes from.)

Think about that. We are now four years into a national health care reform whose original goal was to provide “universal coverage” to every man woman and child in the country and instead of that people are participating in a lottery to determine who will get care. Obviously something is not working very well.

‘The population who were already on Medi-Cal [California Medicaid] before Jan. 1 is a lot more expensive for the state to cover, she said. The federal government pays only half of auto insurance quotes their health care costs, compared to 100 percent of the costs for those who qualify under the [Affordable Care Act’s] broader eligibility guidelines.’ ”

“What the legislators over looked was that about half of the newly insured would enroll in Medicaid (an insurer whose payments to hospitals is scheduled to fall far below previous expectations), that Medicaid patients would continue to patronize safety net hospitals, that patients with newly subsidized private insurance would have large deductibles and copayments that they can’t possibly pay out of pocket, and that those with better insurance will go to some other hospital.”

In a previous post, I described such a system car insurance quotes as a form of universal coverage. It’s at least as close to that as we are ever going auto insurance quotes to get. See a more detailed description here.

On the other side of the country something equally bizarre is happening. In Arlington, Virginia people are participating in a lottery to find out who will get free health care. Those who lose out generally don’t get any care until next month’s lottery. As Patricia Sullivan explained in the cheap auto insurance Washington Post:

However, in most of these countries just about everyone who can afford to do so, avoids the public system and buys private care or private health insurance. There typically is a tax subsidy for private insurance – especially if Annotation provided by an employer.

Over the past decade or so, however, a number of employers and their employee benefit advisors seem to believe they have found a loop hole: Health Reimbursement Arrangements (HRAs). These accounts are funded by employers and Treasury regulations explicitly allow employees to use the money to pay premiums. But can the insurance be individually owned?

“The California Department of Health Care Services sent everyone who needed to renew the necessary application in the mail, but advocates like [Jen Flory, a senior attorney at the Western Center on Law & Poverty] say people have struggled to complete it. The form is complicated, asks for information the recipients hadn’t provided in the past and auto insurance quotes is available only in English and Spanish.

‘There’s a lot of confusion, and it’s a language access issue,’ said Connie Lo, health programs coordinator at Asian Americans Advancing Justice Los Angeles. ‘Most of our clients are limited English proficiency. They don’t even know what these packets are for and why they’re receiving so many documents together that they can’t even read.’ ”

Compounding the problem is the fact that the state of California has a financial incentive to prefer enrollees who count as part of “Medicaid expansion” over renewals of people who were already in the program.

There are exceptions to the rule. When professional football players switch teams they can keep their health insurance. Ditto for United Mine Workers. But for the vast majority of us, health insurance is tied to the job. Leave your employer and you must leave your health insurance behind. (See my review in Health Affairs.)

” ‘Flory said she doesn’t think the terminations are an accident. “When people fail to jump through these hoops to stay on the program, the state saves money,’ she said.

The clinic — one of more than 50 free clinics in auto insurance quotes Virginia — prides itself on providing “whole-person” care for more than 1,700 patients, meaning that regardless of what brings people in, they can get treatment for any physical or mental health need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

How might something like that work in the United States? A fair and efficient way of structuring it is to offer everyone a tax credit of, say, $2500 for an adult and $8,000 for a family of four – the amounts the CBO estimates that new enrollees cost Medicaid. If people enroll in Medicaid, the money goes to Medicaid. If they choose private insurance, the tax credit applies against premiums. If they do nothing, the money goes to safety net institutions who deliver free care (but may ask for payment if patients have Linkedin assets).

Zane even believes that lower-paid employees who qualify can claim federal subsidies when Home page they car insurance quotes buy their insurance on the exchanges. This in effect amounts to double dipping – getting one subsidy at work and another in the exchange.

Is there a better way of organizing a health care safety net? Most of the countries south of our border – and indeed most of the countries in the world – have a free health care system available to everyone. It may not be the best care. There may be rationing by waiting. But there is no enrollment, no paperwork and no lottery. You can think of this as Medicaid for everyone, with no administrative hassle.

The reason is the tax system. Federal tax law has a generous provision for people who obtain health insurance at work. Unlike wages, the premiums the employer pays for employee health insurance are not counted in the employee’s taxable income. When you add together federal and state income taxes and payroll taxes, the ability to buy insurance with pre-tax dollars is worth almost half the cost of the insurance to many middle-income employees.

Insurance

” ‘Flory said she doesn’t think the terminations are an accident. “When people fail to jump through these hoops to stay on the program, the state saves money,’ she said.

‘The population who were already on Medi-Cal [California Medicaid] before Jan. 1 is a lot more expensive for the state to cover, she said. The federal government pays only half of their health care costs, compared to 100 percent of the costs for those who qualify under the [Affordable Care Act’s] broader eligibility guidelines.’ ”

Is there a better way of organizing a health care safety net? Most of the countries south of our border – and indeed most of the countries in the world – have a free health care system available to everyone. It may not be the best care. There may be rationing by waiting. But there is no enrollment, no paperwork and no lottery. You can think of this as Medicaid for everyone, with no administrative hassle.

The reason is the tax system. Federal tax law has a generous provision for people who obtain health insurance at work. Unlike wages, the cheap auto insurance premiums the employer pays for employee health insurance are not counted in the employee’s taxable income. When you add together federal and state income taxes and payroll taxes, the ability to buy insurance with pre-tax dollars is worth almost half the cost of the insurance to many middle-income employees.

There are other problems that are nationwide. In a previous post, I argued that is that in the very act of getting health insurance to more people, Obamacare is reducing the funds safety hospitals have to deliver care to the most vulnerable populations:

“The California Department of Health Care Services sent everyone who needed to renew the necessary application in the mail, but advocates like [Jen Flory, a senior attorney at the Western Center on Law & Poverty] say cheap auto insurance people have struggled to complete it. The form is complicated, asks for information the recipients hadn’t provided in the past and is available only in English and Spanish.

Zane even believes that lower-paid employees who qualify can claim federal subsidies when they buy their insurance on the exchanges. This in effect amounts to double dipping – getting one subsidy at work and another in the exchange.

There’s just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you leave the group (switch jobs). Most states explicitly outlaw employer’s buying cheap car insurance individually owned insurance (which employees can take with them) with pretax dollars. Even if a state hasn’t outlawed it, most lawyers think the practice is illegal under federal law.

‘There’s a lot of confusion, and it’s a language access issue,’ said Connie Lo, health programs coordinator at Asian Americans Advancing Justice Los Angeles. ‘Most of our clients are limited English proficiency. They don’t even know what these packets are for and why they’re receiving so many documents together that they can’t even read.’ ”

Think about that. We are now four years into a national health care reform whose original goal was to provide “universal coverage” to every man woman and child in the country and instead of that people are participating in Click here a lottery to determine who will get care. Obviously something is not working very well.

On the other side of the country something equally bizarre is happening. In Arlington, Virginia people are participating in a lottery to find out who will get free cheap auto insurance health care. Those who lose out generally don’t get any care until next month’s lottery. As Patricia Sullivan explained in the Washington Post:

One thing that can be said in favor of a lottery is that administrative costs are almost zero. In California, by contrast, one reason people are not renewing their Medicaid coverage is that they are being drowned in a sea of paper work. As Jenny Gold explains at Kaiser Health News:

Share

John C. GoodmanJohn C. Goodman Contributor

I offer market-based healthcare solutions.

Opinions expressed by Forbes Contributors are their own.

HEALTHCARE, FISCAL, AND TAX 11/25/2014 @ 10:13AM 591 views

What’s Wrong With Our Health Care Safety Net?

Comment Now Follow Comments

California expects to enroll 2.6 million additional low-income families in its Medicaid program this year. But here’s a surprise: an even greater number of people who were previously on Medicaid may not renew. That’s right. The total number of people with Medicaid coverage may actually go down. Both changes are due to Obamacare.

“What the legislators over looked was that about half of the newly insured would enroll in Medicaid (an insurer whose payments to hospitals is scheduled to fall far below previous expectations), that Medicaid patients would continue to patronize safety net hospitals, that patients with newly subsidized private insurance would have large deductibles and copayments that they can’t possibly pay out of pocket, and that those with better insurance will go to some other hospital.”

Compounding the problem is the fact that the state of California has a financial incentive to prefer enrollees who count as part of “Medicaid expansion” over renewals of people who were already in the program.

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who buy individual insurance with pre-tax dollars. And it’s been getting away with it. That’s partly because most states practice a “don’t ask; don’t tell policy.” If an insurance agent doesn’t ask where the premium dollars come from and the Feeds buyer doesn’t disclose the source, the agent is off the hook. (In Texas, by contrast, agents auto insurance quotes have an affirmatively obligation to determine where the money comes from.)

The clinic — one of more than 50 free clinics in Virginia — prides itself on providing “whole-person” care for more than 1,700 patients, meaning that regardless of what brings people in, they can get treatment for any physical or mental health need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

How might something like that work in the United States? A fair and efficient way of structuring it is to offer car insurance quotes everyone a tax credit of, say, $2500 for an adult and $8,000 for a family car insurance quotes of four – the amounts the CBO estimates that new enrollees cost Medicaid. If people enroll in Medicaid, the money goes to cheap auto insurance Medicaid. If they choose private insurance, the tax credit applies against premiums. If they do nothing, the money goes to safety net institutions who deliver free care (but may ask for payment if patients have assets).

Over the past decade or so, however, a number of employers and their employee benefit advisors seem to believe they have found a loop hole: Health Reimbursement Arrangements (HRAs). These accounts are funded by employers and Treasury regulations explicitly allow employees to use the money to pay premiums. But can the insurance be individually owned?

However, in most of these countries just about everyone who can afford to do so, avoids the public system and buys private care or private health insurance. There typically is a tax subsidy for private insurance – especially if provided by an employer.

There are exceptions to the rule. When professional football players switch teams they can keep their health insurance. Ditto for United Mine Workers. But for the vast majority of us, health insurance is tied to the job. Leave your employer and you must leave your health insurance behind. (See my review in Health Affairs.)

In a previous post, I described such a system as a form of universal coverage. It’s at least as close to that as we are ever going to get. See a more detailed description here.

“Being chosen in the monthly lottery can be life-changing for those who are poor and without health insurance in Arlington, one of the nation’s wealthiest counties. Each month, about 100 people line up for the chance, a multilingual mix of hope, desperation and determination.

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The plans follow those This site the Bank’s Prudential Regulation Authority (PRA) has cheap car insurance already drawn up for senior bankers, although they are less demanding in some respects.

“Policyholders are best served by insurance companies with Read senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive and BoE Deputy Governor Andrew Bailey said.

Regulators have come under fire from lawmakers for bringing so few bankers to book after lenders had to be bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of burden of proof” proposals read for banks, top managers would have to prove to regulators they were unaware of or had challenged dubious behaviour at the time.

This has alarmed bankers, with two directors of HSBC set to leave the bank because they are unhappy with the new rules, Reuters reported last month.

The plans for insurers are slightly different, recognising Feeds the differences between the industries, the PRA said.

Regulators would have to show misconduct by an insurance official was deliberate or that behaviour fell read more below Read more… reasonable standards. The sanctions that could be imposed against insurance officials are also in line with those already available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an industry body, said it was reassured the plans recognised the differences between banks and insurers.

“We will be working with our members… to ensure that the regime is fit for Their website purpose and ensures a continuing flow of high level talent into the insurance industry,” it said.

The new regime for insurers such as Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

The watchdog will also publish payday loans a further consultation on how non-executive directors at insurance and banking firms will come Read more… under the new accountability rules.

Insurance

Zane even believes that lower-paid employees who qualify can claim federal subsidies when they buy their insurance on the exchanges. This in effect amounts to double dipping – getting one subsidy at work and another in the exchange.

The clinic — one of more than 50 free clinics in Virginia — prides itself on providing “whole-person” care for more than 1,700 patients, meaning that regardless of what brings people in, they can get treatment for any physical or mental health need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

“The California Department of Health Care Services sent everyone who needed to renew the necessary application cheap auto insurance in the mail, but advocates cheap car insurance like [Jen Flory, a senior attorney at the Western Center on Law & Poverty] say people have struggled to complete it. The form is complicated, asks for information the recipients hadn’t provided in the past and is available only in English car insurance quotes and Spanish.

“Being chosen in the monthly lottery can be life-changing for those who are poor and without health insurance in Arlington, one of the nation’s wealthiest counties. Each month, about 100 people line up for the chance, a multilingual mix of hope, desperation and determination.

There are other problems that are nationwide. In a previous post, I argued that is that in the very act of getting health insurance to more people, Obamacare is reducing the car insurance quotes funds safety hospitals have to deliver care to the most vulnerable populations:

Share

John C. GoodmanJohn C. Goodman Contributor

I offer market-based healthcare solutions.

Opinions expressed by Forbes Contributors are their own.

HEALTHCARE, FISCAL, AND TAX 11/25/2014 @ 10:13AM 591 views

What’s Wrong With Our Health Care Safety Net?

Comment Now Follow Comments

California expects to enroll 2.6 million additional low-income families in its Medicaid program this year. But here’s a surprise: an even greater number of people who were previously on Medicaid may not renew. That’s right. The total number of people with Medicaid coverage may actually go down. Both changes are due to Obamacare.

To keep the system as paper-work free as possible, people should be able to choose a plan and stay in it. For example if they enroll in Medicaid, they should be able to stay there – regardless of changes in their income and assets.

There’s just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you leave the group (switch jobs). Most states explicitly outlaw employer’s buying individually owned insurance (which employees can take with them) with pretax dollars. Even if a state hasn’t outlawed it, most lawyers think the practice is illegal car insurance quotes under federal law.

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who buy individual insurance with pre-tax dollars. And it’s been getting away with it. That’s partly because most states practice a “don’t ask; don’t tell policy.” If an insurance agent doesn’t ask where the premium dollars come from auto insurance quotes and the buyer doesn’t disclose the source, the agent is off the hook. (In Texas, by contrast, agents have an affirmatively obligation to determine where the money comes from.)

On the other side of the country something equally bizarre is happening. In Arlington, Virginia people are participating in a lottery to find out who will get free health care. Those who lose out generally don’t get any care until next month’s lottery. As Patricia Sullivan explained in the Washington Post:

“What the legislators over looked was that about half of the newly insured would enroll in Medicaid (an insurer whose payments to hospitals is scheduled to fall far below previous expectations), that Medicaid patients would continue to patronize safety net hospitals, that patients with newly subsidized private insurance would have large deductibles and copayments that they can’t possibly pay out of pocket, and that those with better insurance will go to some other hospital.”

Compounding the problem is the fact that the state of California has a financial incentive to prefer enrollees who count as part of “Medicaid expansion” over renewals of people auto insurance quotes who were already in the program.

One thing that can be said in favor of a lottery is that administrative costs are almost zero. In California, by contrast, one reason people are not renewing their Medicaid coverage is that they are being drowned in a sea of paper work. As Jenny Gold explains at Kaiser Health News:

Over the past decade or so, however, a number of employers and their employee benefit advisors seem to believe they have found a loop hole: Health Reimbursement Arrangements (HRAs). These accounts are funded by employers and Treasury regulations explicitly allow employees to use the money to pay premiums. But can the insurance be individually owned?

The reason is the tax system. Federal tax law has a generous provision for people who obtain health insurance at work. Unlike wages, the premiums the employer pays for employee health insurance are not counted in the employee’s taxable income. When you add together federal and state income taxes and payroll taxes, the ability to buy insurance with pre-tax dollars is worth almost half the cost of the insurance to many middle-income employees.

” ‘Flory said she doesn’t think the terminations are an accident. “When people fail Feeds to jump through these hoops to stay on the program, the state saves money,’ she said.

Page 1 / 2

Continue

Comment Now Follow Comments

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How might something like that work in the United States? A fair and efficient way of structuring it is to offer everyone a tax credit of, say, $2500 for an adult and $8,000 for a family of four – the amounts the CBO estimates that new enrollees cost Medicaid. If people enroll in Medicaid, the money goes to Medicaid. If they choose private car insurance quotes insurance, the tax credit applies against premiums. If they do nothing, the money goes to safety net institutions who deliver free care (but may ask for payment if patients have assets).

There are exceptions to the rule. When professional football players switch teams they can keep their health insurance. Ditto for United Mine Workers. But for Browse… the vast majority of us, health insurance is tied to the job. Leave your employer and you must leave your health insurance behind. (See my review in Health Affairs.)

‘The population who were already on Medi-Cal [California Medicaid] before Jan. 1 is a lot more expensive for the state to cover, she said. The federal government pays only half of their health care costs, compared to 100 percent of the costs for those who qualify under the [Affordable Care Act’s] broader eligibility guidelines.’ ”

‘There’s a lot of confusion, and it’s a language access issue,’ said Connie Lo, health programs coordinator at Asian Americans Advancing Justice Los Angeles. ‘Most of our clients are limited English proficiency. They don’t even know what these packets are for and why they’re receiving so many documents together that they can’t even read.’ ”

However, in most of these countries just about everyone who can afford to do so, avoids the public system and buys private care or private health insurance. There typically is a tax subsidy for private insurance – especially if provided by an employer.

Think about that. We are now four years into a national health care reform whose original goal was to provide “universal coverage” to every man woman and child in the country and instead of that people are participating in a lottery to determine who will get care. Obviously something is not working very well.

Is there a better way of organizing a health care safety net? Most of the countries south of our border – and indeed most of the countries in the world – have a free health care system available to everyone. It may not be the best care. There may be rationing by waiting. But there is no enrollment, no paperwork and no lottery. You can think of this as Medicaid for everyone, with no administrative hassle.

Insurance

To keep the system as paper-work free as possible, people should be able to choose a plan and stay in it. For example if they enroll in Medicaid, they should be able to stay there – regardless of changes in their income and assets.

Zane even believes that lower-paid employees who qualify can claim federal subsidies when they buy their insurance on the exchanges. This in effect amounts to double dipping – getting one subsidy at work and another in the exchange.

Public opinion polls have consistently shown that one of the things people like least about our health insurance system is the lack of portability. When you leave one employer to work for another you can take your 401(k) plan with you. But you can’t take your health insurance. Why is that?

Page 1 / 2

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“What the legislators over looked was that about half of the newly insured would enroll in Medicaid (an insurer whose payments to hospitals is scheduled to fall far below previous expectations), that Medicaid patients would continue to patronize safety net hospitals, that patients with newly subsidized private insurance would have large deductibles and copayments that they can’t possibly pay out of pocket, and that those with better insurance will go to some other hospital.”

“The California Department of Health Care Services sent everyone who needed to renew the necessary application in the mail, but advocates like [Jen Flory, a senior attorney at the Western Center on Law & Poverty] say people have struggled to complete it. The form is complicated, asks for information the recipients hadn’t provided in the past and is available only in English and Spanish.

There are other problems that are nationwide. In a previous post, I argued that is that in the very act of getting health insurance to more people, Obamacare is car insurance quotes reducing the funds safety hospitals have to deliver care to the most vulnerable populations:

“Being chosen in the monthly lottery can be life-changing for those who are poor and without health insurance in Arlington, one of the nation’s wealthiest counties. Each month, about 100 people line up for the chance, a multilingual mix of hope, desperation and determination.

One thing that can be said in favor of a lottery is that administrative costs are almost zero. In California, by contrast, one reason people are not renewing their Medicaid coverage is that they are being drowned in a sea of paper work. As Jenny Gold explains at Kaiser Health News:

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who buy individual insurance with pre-tax dollars. And it’s been getting away with it. That’s partly because most states practice a “don’t ask; don’t tell policy.” If an insurance See page agent doesn’t ask where the premium dollars come from and the buyer doesn’t disclose the source, the agent wiki is off the hook. (In Texas, by contrast, agents have an affirmatively obligation to determine where the money comes from.)

” ‘Flory said she doesn’t think the terminations are an accident. “When people fail to jump through these hoops to stay on the program, the state saves money,’ she said.

Compounding the problem is the fact that the state of California has a financial incentive to prefer enrollees who count as part of “Medicaid expansion” over renewals of people who were already in the program.

Is there a better way of organizing a health care safety net? Most of the countries south of our border – and indeed most of the countries in the world – have a free health care system available to everyone. It may not be the best care. There may be rationing by waiting. But there is no enrollment, no paperwork and no lottery. You can think of this as Medicaid for everyone, with no administrative hassle.

Over the past decade or so, however, a number of employers and their employee benefit advisors seem to believe they have found a loop hole: Health Reimbursement Arrangements (HRAs). These accounts are funded by employers and Treasury regulations explicitly allow employees to use the money to pay premiums. But can the insurance be individually owned?

There’s just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you leave the group (switch jobs). Most states explicitly outlaw employer’s buying individually owned insurance (which employees can take with them) with pretax dollars. Even if a state hasn’t outlawed it, most lawyers think the practice is illegal under federal law.

‘The population auto insurance quotes who were already on Medi-Cal [California Medicaid] before Jan. 1 is a lot more expensive for the state to cover, she said. The federal government pays only half of their health care costs, compared to 100 percent of the costs for those who qualify under the [Affordable Care Act’s] broader eligibility guidelines.’ ”

On the other side of the country something equally bizarre is happening. In Arlington, Virginia people are participating Visit us. in a lottery to find out who will get free health care. Those who lose out generally don’t get any care until next month’s lottery. As Patricia Sullivan explained in the Washington Post:

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Opinions expressed by Forbes Contributors are their own.

HEALTHCARE, FISCAL, AND TAX 11/25/2014 @ 10:13AM 591 views

What’s Wrong With Our Health Care Safety Net?

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California expects to enroll 2.6 million additional low-income families in its Medicaid program this year. But here’s a surprise: an even greater number of people who were previously on Medicaid may not renew. That’s right. The total number of people with Medicaid coverage may actually go down. Both changes are due to Obamacare.

The reason is the tax system. Federal tax law has a generous provision for people who obtain health insurance at work. Unlike wages, the premiums the employer pays for employee health insurance are not counted in the employee’s taxable income. When you add together federal and state income taxes and payroll taxes, the ability to buy insurance with pre-tax dollars is worth almost half the cost of the insurance to many middle-income employees.

However, in most of these countries just about car insurance quotes everyone who can afford to do so, avoids the public system and buys private care or private health insurance. There typically is a tax subsidy for private insurance – especially if provided by cheap car insurance an employer.

Think about that. We are now four years into a national health care reform whose original goal was to provide “universal coverage” to every man woman and child in the country and instead of that people are participating in a lottery to determine who will get care. Obviously something is not working very well.

‘There’s a lot of confusion, and it’s a language access issue,’ said Connie Lo, health programs coordinator at Asian Americans Advancing Justice Los Angeles. ‘Most of our clients are limited English proficiency. They don’t even Check this out know what these packets are for and cheap car insurance why they’re receiving so many documents together that they can’t even read.’ ”

The clinic — one of more than 50 free clinics in Virginia — prides itself on providing “whole-person” care for more than 1,700 patients, meaning that regardless of what brings people in, they can get treatment for any physical or mental health need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

How might something like that work in the United States? A fair and efficient way of structuring it is to offer everyone a tax credit of, say, $2500 for an adult and $8,000 for a family of four – the amounts the CBO estimates that new enrollees cost Medicaid. If people enroll in Medicaid, the money goes to Medicaid. If they choose private insurance, the tax credit applies against premiums. If they do nothing, the money goes to safety net institutions who deliver free care (but may ask for payment if patients have assets).

Insurance

The clinic — one of more than 50 free clinics in Virginia — prides itself on providing “whole-person” care for more than 1,700 patients, meaning that regardless of what brings people in, they can get treatment for any physical or mental health need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

There are other problems that are nationwide. In a previous post, I argued that is that in the very act of getting health insurance to more people, Obamacare is reducing the funds safety hospitals have to deliver care to the most vulnerable populations:

“Being chosen in the monthly lottery can be life-changing for those who are poor and without health insurance in Arlington, one of the nation’s car insurance quotes wealthiest counties. Each month, about 100 people line up for the chance, a multilingual mix of hope, desperation and determination.

‘There’s a lot of confusion, and it’s a language access issue,’ said Connie Lo, health programs coordinator at Asian Americans Advancing Justice Los Angeles. ‘Most of our clients are limited English proficiency. They don’t even know what these packets are for and why they’re receiving so many documents together that they can’t even read.’ ”

Is there a better way of organizing a health care safety net? Most of the countries south of our border – and indeed most of the countries in the world – have a free health care system available to everyone. It may not be the best care. There may be rationing by waiting. But there is no enrollment, no paperwork and no lottery. You can think of this as Medicaid for everyone, with no administrative hassle.

“What the legislators over looked was that about half of the newly insured would enroll in Medicaid (an insurer whose payments to hospitals is scheduled to fall far below previous expectations), that Medicaid patients would continue to auto insurance quotes patronize safety net hospitals, that patients with newly subsidized private insurance would have large deductibles and copayments that they can’t possibly pay out of pocket, and that those with better insurance will go to some other hospital.”

One thing that can be said in favor of a lottery is that administrative costs are almost zero. In California, by contrast, one reason people are not renewing their Medicaid coverage is that they are being drowned in a sea of paper work. As Jenny Gold explains at Kaiser Continue reading this.. Health News:

There are exceptions to the rule. When professional football players switch teams they can keep their health insurance. Ditto for United Mine Workers. But for the vast majority of us, health insurance Browse… is tied to the job. Leave your employer and you must leave your health insurance behind. (See my review in Health Affairs.)

On the other side of the country something equally bizarre is happening. In Arlington, Virginia people are participating in a lottery to find out who will get free health care. Those who lose out generally don’t get any care until next month’s lottery. As Patricia Sullivan explained in the Washington Post:

Compounding the problem is the fact that the state of California has a financial incentive to prefer enrollees who count as part of “Medicaid expansion” over renewals of people who were already in the program.

The reason is the tax system. Federal tax law has a generous provision for people who obtain health insurance at work. Unlike wages, the premiums the employer pays for employee health insurance are not counted cheap auto insurance in the employee’s taxable income. When you add together federal and state income taxes and payroll taxes, the ability to buy insurance with pre-tax dollars is worth almost half the cost of the insurance to many middle-income employees.

Think about that. We are now four years into a national health care reform whose original goal was to provide “universal coverage” to every man woman and child in the country and instead of that people are participating in a lottery to determine who will get care. Obviously something is not working very well.

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse auto insurance quotes employees who buy individual insurance with pre-tax dollars. And it’s been getting away with it. That’s partly because most states practice a “don’t ask; don’t tell policy.” If an insurance agent doesn’t ask where the premium dollars come from and the buyer doesn’t disclose the source, the agent is off the hook. (In Texas, by contrast, agents have an affirmatively obligation to determine where the money comes from.)

There’s just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you leave the group (switch jobs). Most states explicitly outlaw employer’s buying individually owned insurance (which employees can take with them) with pretax dollars. Even if a state hasn’t outlawed it, most lawyers think the practice is illegal under federal law.

” ‘Flory said she doesn’t think the terminations are an accident. “When people fail to jump through these hoops to stay on the program, the state saves money,’ she said.

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John C. GoodmanJohn C. Goodman Contributor

I offer market-based healthcare solutions.

Opinions expressed by Forbes Contributors are their own.

HEALTHCARE, FISCAL, AND car insurance quotes TAX 11/25/2014 @ 10:13AM 591 views

What’s Wrong With Our Health Care Safety Net?

Comment Now Follow Comments

California expects to enroll 2.6 million additional low-income families in its Medicaid program this year. But here’s a surprise: an even greater number of people who were previously on Medicaid may not renew. That’s right. The total number of people with Medicaid coverage may actually go down. Both changes are due to Obamacare.

Over the past decade or so, however, a number of employers and their employee benefit advisors seem to believe they have found a loop hole: Health Reimbursement Arrangements (HRAs). These accounts are funded by employers and Treasury regulations explicitly allow employees to use the money to pay premiums. But can the insurance be individually owned?

However, in most of these countries just about everyone who Home can afford to do so, avoids the public system and buys private care or private health insurance. There typically is a tax subsidy for private insurance – especially if provided by an employer.

To keep the system as paper-work free as possible, people should be able to choose a plan and stay in it. For example if they enroll in Medicaid, they should be able to stay there – regardless of changes in their income and assets.

‘The population who were already on Medi-Cal [California Medicaid] before Jan. 1 is a lot more expensive for the state to cover, she said. The federal government pays only half of their health care costs, compared to 100 percent of the costs for those who qualify under the [Affordable Care Act’s] broader eligibility guidelines.’ ”

How might something like that work in the United States? A fair and efficient way of structuring it is to offer everyone a tax cheap car insurance credit of, say, $2500 for an adult and $8,000 for a family of four – the amounts the CBO estimates that new enrollees cost Medicaid. If people enroll in Medicaid, the money goes to Medicaid. If they choose private insurance, the tax credit applies against premiums. If they do nothing, the money goes to safety net institutions who deliver free cheap auto insurance care (but may ask for payment if patients have assets).

“The California Department of Health Care Services sent everyone who needed to renew the necessary application in the mail, but advocates like [Jen Flory, a senior attorney at the Western Center on Law & Poverty] say people have struggled to complete it. The form is complicated, asks for information the recipients hadn’t provided in the past and is available only in English and Spanish.

Zane even believes that lower-paid employees who qualify can claim federal subsidies when they buy their insurance on the exchanges. This in effect amounts to double dipping – getting one subsidy at work and another in the exchange.

Insurance

Under the Site internet proposals, insurers will have to allocate specific responsibility for developing and embedding the culture of their firms to one or more senior managers. The watchdog Go to website also plans to introduce new conduct standards for these managers.

“Policyholders are best served by insurance companies with senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive and BoE Deputy Review Governor Andrew Bailey said.

Regulators have come under Click here! fire from lawmakers for bringing so few bankers to book after lenders had to be bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of burden of proof” proposals for banks, top managers would have to prove to regulators they were unaware of or had challenged dubious behaviour at the time.

This has alarmed bankers, with two directors of HSBC set to leave the bank because they are unhappy with the new rules, Reuters reported last month.

The plans for insurers are This website slightly different, recognising the differences between the industries, the PRA said.

Regulators would have to show misconduct by an insurance official was deliberate or that behaviour fell below reasonable Official site standards. The sanctions that could be imposed against insurance officials are also in line with those already available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an insurance industry body, said it was reassured the plans recognised the differences between banks and insurers.

“We will read be working with our members… to ensure that the regime cheap car insurance is fit for purpose and ensures a continuing flow of high level talent into the insurance industry,” it said.

The new regime for insurers such as Prudential and Aviva will insurance apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

At the Lloyd’s of London insurance market, it will apply to chief underwriting officers and underwriting risk oversight functions.

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