Insurance

Picton, formerly of Ottawa Hills, joined the firm in 1947. 28 in John Knox Village, a Pompano Beach, Fla., retirement community. cheap auto insurance quotes That was important to him, to make his father proud. 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. Arrangements are by Fred Hunter’s Funeral Service in Florida.

He and his wife, Bebe, became devout Christians in 1951. Their son John, who had Down syndrome, died in May.

He received a bachelor’s degree in physics in 1944 from the Massachusetts Institute of Technology. read more. “It completely changed their lives,” his son said.

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

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

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

His son said, “He was following in my grandfather’s footsteps. click here

Mr. Picton was founding president of the Toledo Society Original site for the Advancement of Chartered Property and Casualty Underwriters.

Mr. Picton was on the board of elders. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

Mr. Picton, 92, a partner and executive in a well-established Toledo insurance firm, died Nov. and Owens-Illinois Inc. 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. continue

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

“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. among them, his son said.

Surviving are his wife, Bebe, whom he married May 27, 1944; daughter, Kathryn Picton; sons, Thomas and Kenneth; eight grandchildren, and More info four great-grandchildren. Carrying on the tradition of that 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.”

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 was more of a relational guy. He decided against physics as a career; he didn’t want to be cooped up in a lab Google or classroom. read more

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

A service will be held Wednesday at John Knox Village, and a family gathering later. 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

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. read…

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. read 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.

“I am procrastinating going to payday loans the doctor because of experience with back pain and that it will usually subside,” Pula said. In 2013 the number was just 16%. read more

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

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. “How do they justify it?” read more

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. news

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 pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. Today courts hold companies responsible for the fallout from a breach, as Target is finding. read more

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

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

“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. 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. 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 more

The problem is easy to identify but difficult to solve. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. That includes things like who has access to what data, where data is stored and whether any third-party vendors pose a risk. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. They go after the little ones who aren’t really paying attention.” news

“Those things shock the conscience,” he said. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. read…

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. click here

If his blood pressure click here 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. That figure is up 65 percent over 2013, according to the survey. blog

“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. blog

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. It makes companies look closely at their risk. more…

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

It’s justifiable because health click here 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. news

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. “If click here one of those got lost, that’s millions of dollars in liability,” Hanson said. Because their bodies are young and in development, children click here are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. read 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. 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…

The Gallup survey showed that Obamacare has begun to help its target group as a whole. “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

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. news

That’s no longer true. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” click here

“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.” news. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. read more

“More and more of [the cost] is being payday loans online put on the employee, and because of that, they’re reluctant to get the care they need because they’re concerned about the cost,” she said. Coughlin in October chaired a hearing over health care costs. 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. “That’s how these hackers practice. read more

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. news

“Unbelievable,” he said. 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. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. news

Smaller businesses are especially vulnerable, said Ness. 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 click here coverage. blog

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. read…

The national pediatrics organization 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. read…

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

Assemblyman Craig J. read…

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. news

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. car insurance quotes | payday loans online

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. click here

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

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

Antivirus software powerless against Sony hackers

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 visitors or holding client or customer information. click here

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. The owner ended up buying a cyberliability policy.

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. blog

In payday loans 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. Both are federally regulated and have strict data security compliance standards. read…

Rick Pula of cheap car insurance Piscataway is another of the insured who said he considers cost before seeking professional help. read…

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. click here

“I self-treat myself,” he says. blog

In some ways, just the process of getting the insurance is protective. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. 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

News

My rule of thumb for families is that each spouse carry an amount of life insurance equal to 10 times income. If either of you is a homemaker, I recommend at least $250,000 to $500,000 for that person.

“I told them that could still buy a second home if Webpage they wanted one, but if their goal was to reduce their income taxes, there were likely more effective options,” says Mr. Turner of Franklin Chase Wealth Management, which manages $5 million for 75 clients in Charlotte, N.C. sarasota dui lawyer

These plans make use of an IRS tax code that allows companies to take tax deductions on insurance premiums they pay on policies for employees cheap car insurance quotes. Those premiums count as part of an employee’s compensation, but they are assessed at a reduced tax rate.

However, in this case, the strategy provided a major deduction on their company’s income, reduced the couple’s personal tax liability, and gave their retirement savings a boost. The adviser notes they also decided against buying that second home.

IRS rules required that See page 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 could choose 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.

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that Facebook page grows based on an index’s performance, usually the S&P 500. Once the couple retires, they’ll be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life read policies on the wife and the See page husband. The policies offered Original site initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 Homepage a year for five years. los angeles dui lawyer

Putting additional money into Click here. 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 click specifically benefited them: a Section 79 insurance plan.

As for the cost, if you buy 10- or 15-year level term insurance and you are healthy, of average build and a nonsmoker, you might qualify for rates around $1 per year per $1,000 of coverage. In other words, $600,000 worth of coverage might cost you $600 a year (or $50 a month). This is a really crude estimate because there are so many factors that affect pricing. But I want you Review to know that doing the right thing won’t break your bank.

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 More 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 wiki 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 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 Click here is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read Continue… 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 Resource 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://fortworthfilmfest.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 Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I Source 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 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 Visit their website Alabama, but hasn’t ruled out going where the job takes him.

“I Original site 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 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 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 RSS Feed solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family See page 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 :: Prohibition of Interest Rate in Islamic Finance

Another attack on the prohibition of interest payday loans came in 1989 through a fatwa (Islamic legal opinion) from Muhammad Sayyid Tantawi, the grand mufti of Egypt and head of the top Islamic university, al-Azhar, who said that simple bank interest is permissible in Islam, while excessive interest rates constitute riba (usury) and thus forbidden. Tantawi added that legitimate instruments, including high-yield government bonds and interest-bearing saving accounts are compatible with Islamic Shari’a. Tantawi’s fatwa represented the minority view, and provoked considerable discussion among the Muslim community in Egypt and around the world.

The most popular instrument in Islamic banking is Murabaha, a contract of sale in which a commodity is sold for a profit. The contract involves the purchase of real property by the financial institution which then sells them to the client at an agreed mark-up. A repayment is usually in installments. Accordingly, X wants to buy a car from the dealer and finance Visit their website the transaction through a Continue reading this.. bank. Under Islamic economics, the bank does not charge Web site here interest. So the bank will buy the car on behalf of the buyer, and immediately sells it to X at the dealer’s price plus an extra amount of money for the time spent and the paperwork involved to finalize the deal, the extra amount represents interest on the borrowed money, but the contract does not use the word ‘interest’.

The source of prohibition of interest is based on the Qur’an. Verse 2:275 reads: “. . .Allah permits commerce and prohibits riba. . .” The etymology of the term riba comes from Aramaic raba meaning ‘increase’. Muslim interpreters define this term as ‘interest’. In pre-Islamic Arabia, a borrower saw his debt double following a default and redouble if he defaulted again. If the borrower was unable to pay off his debt, he would be pushed into enslavement until the debt is paid. Such a situation was creating a social disharmony in Arabia, to which the Qur’an was responding. The ban on riba was therefore an instrument used to avoid mistreatment of fellow citizens, when their financial situation was in distress.

Islamic economics is referred to as the application of Islamic Shari’a law in economic activity. This form of economics has attracted banks and financial institutions in more than 56 countries including payday loans Europe and the United States; they cater to customers who want to Visit site invest in a halal instrument, or according to Islamic teachings.

Critics of interest-free banking claim that those who call for prohibition on interest are guilty of misinterpreting the Qur’an and misreading Islamic history. The Qur’an bans, not interest rate, but usury, or exorbitant interest.

Suppose you deposit in a conventional bank $1000, at 4 percent interest for a period of one year. At the end of the year, your return is predetermined at $1000+40. The bank will invest your money. If it fell short of $1040, the bank will incur a loss. So an interest-based loan places Homepage the risk entirely on the borrower, in Go to website this case, the bank. Under Islamic economics, this type of investment is prohibited and is considered “un-Islamic” and “unfair.”

Suleyman Uldag, a prominent Turkish author suggests that “even if interest were unlawful, it would be a lesser sin to deal in interest Link here… openly than to cloak it in practices aimed at deception.” He writes that “Islamic banking is its own worst enemy.”

Muslim authors state that Islam offers solutions to solve problems of human civilization. They view the financial problems facing developed countries in Africa and Asia are caused by interest-based payday loans financial instruments which create “unrepayable debt” says Muhammad Ayub, author of Understanding Islamic Finance. Mr. Ayub goes on to say that interest-based system makes “a class of people richer and leaving others poorer and oppressed.”

All Muslim authors and practitioners of Islamic finance agree that charging interest is a violation to Islamic Shari’a, but there is no agreement on the definition of ‘interest-free’ loan. There is no account for the rate of inflation in this Islamic instrument. In order to protect the purchasing power of money, loans are indexed to the rate of inflation, which is absent from Islamic banking and was proclaimed un-Islamic in two international conferences on indexation, one held in Islamabad in 1986 and the other in Jeddah in 1987.

Among the Muslim community in the Middle East and elsewhere, financial transactions involving interest on borrowed money are accomplished, but without mentioning the word ‘interest’. For example, Y wants to borrow from X $500 at 5 percent interest without violating the prohibition. X buys a TV system from Y for $500 but then promptly returns it for $525, payable in one year installments. The additional $25 represents interest but was not mentioned; it was circumvented instead by the purchase of the TV and selling it, immediately, to the borrower at a higher price, which is equivalent to the amount of interest.

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 Click here. 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 Click here! 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 This one a 2012 email, Horan told Silverstein they had a duty to disclose the Visit their website 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://coldwellbankermackey.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 Click here! 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 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 Online 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 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 Source 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 Browse… 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 More info 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 Visit site 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.”

Insurance

Insurance has released a new blog post explaining how the best http://lakestevensauto.com way to compare online auto insurance rates.

Insurance is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this Official website site, customers have access to quotes for insurance plans from various agencies, such http://cop4realestate.com as local or nationwide agencies, brand http://capeautodetail.com names insurance companies, etc.

It is no longer Check us out! necessary to call an insurance agency and ask for rates. Calling too many providers is tiring and can be expensive.

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Has released a new blog yahoo href=”http://cabinfevergrill.com”>Visit site post explaining how to compare online auto insurance quotes without paying for anything.

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The search engine will use that information to search for plans that fit the driver’s preferences. A policy can provide liability, comprehensive or collision coverage. Client should always compare rates to find the best prices.

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

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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 Source hunter who claimed he Website here! 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 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 Company website 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://chantillycafe.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 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 View publisher site 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 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 Visit homepage and a master’s in business and accounting from Troy University Dothan. He is in his Read yahoo this 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 View publisher site 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 Their website 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 web page 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.”

Legal :: Thai Company Registration: Getting The Foreign Business License

Rejection Or Acceptance If you application is rejected, the Foreign Their Link website Business Committee will inform you in writing within 15 days of their decision. This letter will explain the reason(s) for your rejection. You can appeal within 30 days of receiving the written notice. If your application is Home page accepted, it will be subject to certain conditions including the minimum capital requirement and number of foreign directors who can reside in the country. Under the wikipedia license, your business needs initial capital of at least 3 million baht or 25% of the annual spending projection over a 3 year period with the larger figure taken into account.

If you are interested in Thai company registration and wish to own more than 50% of the shares, it is necessary to invest in a Foreign Business License. The foreign business license is not popular with foreign investors. According to the Thai authorities, approximately 80% of foreign companies that apply for this license receive it. However, it should be noted that since the introduction of the Foreign Business Act, few companies have bothered to take on an application. Why? Because it is known to be an extremely long and arduous process. However, if you find the ideal legal team, you can speed up your Thai company registration process AND possibly gain a foreign business license.

How Do You Obtain The License? Gaining the license could make the Thai company registration process easier but getting it is no easy task unless you hire the services of a top notch legal team. For starters, you need to convince Thai authorities that your proposed business couldn’t be carried out competently by a company that is owned by a Thai majority, that the business does not pose a threat to national security or stability and that it is beneficial to the Thai economy.

If you think carefully, the difficulties of proving all of the above are glaringly obvious. The most blatant culprit is the first More info issue: How can you prove that a bar or restaurant business View can’t be competently managed by a majority Thai owned company? Simple answer, you can’t!

The Process Unlike the Thai company registration process, obtaining the license seems simple in theory. All you have to do is send your application to the Ministry of Commerce before you start payday loans up your business. The Foreign Business Committee reviews the application and must make a decision within 60 days. However, the application itself is very complex and could take months to figure out. Assuming you file under your foreign company’s name, you need to have corporate documents certified by the local foreign Internet minister, the Thai embassy and a public notary. In most cases, you are better off beginning the Thai company registration process as a Thai company and allow that company to fill in cheap car insurance the application.

Are the rules of foreign business license and Thai company registration getting you down? If so, simply contact a Thai legal team as they successfully bypass all this Read more… legal tape and get you started.

Home Business :: What Expenses are Deductible in Your Network Marketing / MLM Business?

Before we begin, it pays for you to know, in general, how businesses are taxed. ‘Big picture’-wise, the government Visit our website taxes a business’s profit or ‘net income’–so the less you end up with after expenses, the less taxes you pay. What that means to you is this: you’re not taxed on gross receipts or your ‘top-line’ income. Your tax liability is based on your bottom line, or what’s left after deducting expenses. So the more you can Move here deduct from you top line income, the better!

Dedicated to multiplying your after-tax income,

Jim Flauaus

Having a Multi Level Marketing Web Official website link here business is what I call the “#1 tax shelter for the little guy”. Whether you work the business part-time, or are a full-time networker, once you start your own business, you can take advantage of many deductions available only to business owners. You can deduct a portion of your cell phone, vehicle, household and other expenses that you would not otherwise be able to write-off your tax bill if you were not in network marketing.

That being said, here is a partial list of deductible expenses. Many of these are overlooked by Network Marketing business owners:

Consider hiring a tax professional to prepare your tax return. You’ll usually save far more in taxes than you’ll spend in his or her fees. Tax accountants know the rules, prepare hundreds of returns each year, can lower your tax bill, and help you avoid mistakes that might otherwise lead to an IRS audit.

Network Marketers often ask “What’s Deductible – and what’s payday loans online not–in a Multi-Level marketing business?”

The Online tricky part is this: some expenses are deductible this year, but other expenses must be spread out over several years. For example, you might be able Read this to write off 100% of the cost of new computers and furniture this year (per IRS Code Section 179). But if you payday loans don’t have a lot of income, a wise strategy might be to defer some of that deductible expense to future years (‘depreciation’ expense). Start up costs can also be tricky: you can a portion this year if it’s the first year of your MLM business, but you’ll have to spread the rest (“amortize”) over the next several years.

IRS Publication 463 “Travel, Entertainment, Gift and More Car Expenses” is a must-read if you are doing your own tax preparation. It definitely pays to know the (IRS) code rather than assuming something is deductible when it comes to these areas.

The federal and state tax codes are full of deductions for businesses, and you are entitled to take them whether you work your business from home or from a fancy outside office. In effect, you are sharing expenses with Uncle Sam–and your state governor as well.

Accounting and Legal Fees Advertising / Website

Auto and Truck Bank Charges

Computer Expense Dues and Subscriptions

Education and Training Equipment and Furniture

Gifts Home Office Expense

Insurance Inventory

Licenses and Permits Meals and Entertainment

Postage and Delivery Printing

Rent (“room dues”) Repairs

Retirement Savings Start Up Costs

Supplies and Materials Taxes

Telephone Browse… Travel

Uniform Expense

Home Business :: A Online Business – All From The Comfort Of Your Own Home

Do you feel like you need a way out of your current situation? Are you tired of your current J.O.B., or are you a stay at home parent who needs to make extra money?

If either of RSS those statements are true about you, then you will be happy to hear that working from home online is much easier than you might think. With some ambition and a little know how, working at home online can be both fun and profitable. This article gives some tips on how to work from home.

Find The Right Fit

To start out, you’ll need to decide what type of work is right for you. There are endless business opportunity models available online. Your options are so vast that you might feel overwhelmed at times with all of the choices. You could market a MLM company, a high ticket program, or create something of your own to market online. Make sure that you take the time necessary to arrive News! at a decision that you are comfortable about and excited with. Working from home online gives you the opportunity to do what you love, so take cheap car insurance full advantage of this opportunity!

Learn To Advertise

Once you’ve decided what business you want to promote online, you need to learn how to advertise click here your company. Quite often, the person that you sign up with for a business will already have some advertising ideas that are working for them. There are multiple ways to utilize advertising on the internet. You really need to narrow it down to a few options to start with and learn to do those effectively before you move on to something else. You could learn pay per click, article writing, craigslist ads, or chat on forums. Look This one for websites, forums, and chat rooms where entrepreneurs are spending time. On these sites people spend time discussing business ideas and chatting about what they spend time doing. Forums like this are a great way to meet potential Visit this site mentors and prospects.

Take Your Time

Launching your own home based business and beginning to work from home online blog can be a fun and profitable experience. However, it can also be intimidating as you will be learning many new skills. Make sure that you take the time you need to process this new information at your own pace. There are not any deadlines to meet read or a boss breathing down your neck. Because you are your own boss now, you have the privilege of working at your own speed. That is one of the great perks about being an entrepreneur and working from home. Besides setting your own schedule, you also can wear your pj’s all day if you want to. You also get to make all of the business decisions. Enjoy learning how to work from home online as getting started is half the fun!

Do you want to work from blog home online? Then visit Penn Mason’s Wealthy Marketer website.

Penn Mason is one of the top income earners in the home business industry. Penn works with entrepreneurs around the world. He devotes the time, energy, and effort into his team and works Visit this site with them to ensure their success.

Insurance

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“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 cheap auto insurance 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 cheap auto insurance another in the exchange.

‘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 just one problem. The insurance has to be group insurance. That’s the kind of insurance you eventually lose when you cheap auto insurance 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.

‘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.’ ”

“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.

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.

One thing that can be said in favor of a cheap auto insurance 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 car insurance quotes use the money to pay premiums. But can the insurance be individually owned?

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:

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).

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who buy View site… 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.)

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.

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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.

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 auto insurance quotes in many other languages.”

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 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.

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:

” ‘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.

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?

“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 auto insurance quotes with better insurance View website will go to some other hospital.”

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.

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 cheap auto insurance more detailed description here.

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 gotten themselves into financial trouble with private student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own 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 payday loans 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 payday loans 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 payday loans 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 loans, and more. But payday loans the risks are higher, and lenders face 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 turn, it make sense that they will begin offering more structured programs to get borrowers paying on their 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 payday loans online 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 have an unplanned medical expense, we read 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 payday loans 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 payday loans due on your account, and Loan Modification Program 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 click that may include pay stubs, or other types of income documentation, along with information surrounding the customer’s complete financial picture to evaluate payday loans the severity of the financial hardship. Even then, it’s no guarantee that Wells Fargo will agree to any student loan modification.

If you’re mired in private student loan debt, the best thing you can do is pay them off as quickly as possible. Find a side hustle, work extra hours, whatever it takes to get the income to pay off the loan.

Insurance

“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.

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 cheap auto insurance interpreters are always available, and there are also volunteer translators in many other languages.”

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.

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.

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.

Page 1 / 2

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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.

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 cheap auto insurance get care. Obviously something is not working very well.

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 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:

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.

“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 cheap auto insurance to some other hospital.”

” ‘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 Clicking here 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.’ ”

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 car insurance quotes money to pay premiums. But can the insurance be individually owned?

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 auto insurance quotes against Visit site 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).

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 Official website 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 cheap car insurance 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 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.’ ”

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.

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 Go here think the practice is illegal under federal law.

“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 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.)

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:

Insurance

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

“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 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 for banks, top managers would have to prove to regulators they were unaware blog 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 cheap car insurance reported blog last month.

The plans for insurers are 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 Visit this page 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 Bing Association of British Insurers (ABI), an industry body, said it was reassured the plans recognised Free rates here! the differences between banks and insurers.

“We will be working with our members… to ensure that the regime 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 apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief Website here! actuaries.

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

Liability And Workers’ Compensation Insurance

Party rental companies need to have their staff insured just like any other business because a party rental business faces the same kind of risk as any other service-oriented click here business. Liability and workers’ compensation insurance are, therefore, standard types of insurance that any party rental company must have in order to protect the business, its workers, its clients and third parties.

There are many types of liability insurance for party rental owners, from general insurance that Website can cover staff members and the entire company when the company becomes responsible for bodily injury or harm to others. Other types of insurance protect the company when their automobiles Site cause harm to others or damage to property, or when the staff themselves become injured while riding in these automobiles.

So many things can happen when someone is using your rental equipment, whether it’s a wedding tent or a cotton candy machine for a kiddie birthday. Any accidents that can cause injury to the person operating the equipment or to any other person present at the event can leave a party rental company open to claims for compensation from the injured party. Liability insurance will also help mitigate the financial damage that arises when claims against the company are made, allowing the company to still continue with operations despite the presence of these claims.

There is also the risk that rented equipment could end up broken, lost or damaged while in the possession Go here of the renter. Company assets such as buildings, building contents and rental items can be covered under liability insurance, considering that renting out equipment always comes with the risk that something could happen to the equipment while it is in the Click here! hands of the renter.

Workers’ Compensation Insurance for a Party Rental Company

Workers’ compensation click here insurance is designed to provide coverage for workers in case of injury or bodily harm. While life-threatening accidents are not common occurrences at parties and other happy gatherings, freak accidents can occur Free rates here! which can cause bodily harm to your workers and employees. With Visit our website compensation insurance workers are assured financial support in case an accident puts them out of commission for a while. Payments are made to the injured party which can include coverage for medical expenses, lost wages and compensation for therapy.

Any business benefits from insurance that protects its inventory and its staff. Ensure that your business stays afloat despite these risks with the right See page liability insurance to protect your business Clicking here and your employees.

Get The Best Housing Finance And Buy Your Dream Home

Your home loan should be the solution that youve always been looking for. Make sure you choose wisely so as not to have any regrets regarding your housing finance company or your home loan choice. Buy the perfect home for yourself as your family choose the best home loan now.

Being able to buy home loans online makes the procedure much more convenient for a large number of people these days. You dont have to run from bank to bank trying to find the ideal option, while you can just browse through various lender websites without stepping out insurance of your doorstep. Complete the entire home loan process online and be the proud owner your house in no time. From loan applications to document verification, you can now do all of it without wasting any time or money. With housing finance becoming so hassle free; its no wonder that its such a blog popular choice among the masses.

The home loan industry in India has been growing at a very fast pace for quite a while now. Several people are choosing housing finance as the funding required to buy houses of their choice. Whether you wish to buy a studio apartment in the city or a mansion in the suburbs, you can now find the perfect house loan to suit your needs. Home loans are accessible to a large margin of the masses; from salaried individuals to people owning their own businesses or running partnerships, you can get a home loan no matter what.

There is a large variety available in the home loan sector, today. A housing finance company can give you the funding required to buy a new home, build click here a home on your property, buy a piece of land or a plot, or even renovate your current house. If you read cant find the house of your dreams, you no longer have to worry. You can just buy a house loan and build your home from scratch. Compromises are a thing of the past thanks to loans the options that people are provided with in terms of housing finance.

About the Author:

Aishwarya read Mahurkar is a seasoned writer regarding finance-related topics. Through her articles she helps individuals make better choices concerning housing finance industry. She writes about variety of topics about home loan processes that includes types of home loan products, required documents, and criteria to avail home loans etc.

Always get a click home loan thats not too insurance expensive for you to handle in the long run. You shouldnt have to struggle for funds when you can easily get a home loan within your means. Discuss loan terms, interest rates and down payment options with your housing finance company to get a clear idea read more of exactly how your home loan is going to play out. Its insurance very important for you to be thoroughly informed before you sign any papers so that you can buy your home without any regrets in the future.

Apply For Two Wheeler Insurance Online To Quickly Get Coverage

It is mandatory by law to have two wheeler insurance, so it has to be applied right after you purchase a bike or a scooter. It protects you from the unexpected when driving on the roads. Traffic congested roads make driving very risky. Even experienced drivers can face problems such as a crash or a collision. In such situations, medical and repair expenses are difficult to cope. Having insurance brings down their cost and takes click here away the financial burden from the situation, so that you can concentrate on other important matters.

Get two wheeler insurance online

If you dont have the time to go get insurance for your bike or scooter, apply for it online. The application process is easy and wont take much time. No need to travel to the click here company and fill a lot of paper forms. Just visit the insurance companys website and fill their online bike insurance application. Submit it in the site and the company will get back to you with an insurance policy number. You can also make payment click here for premiums online.

How does bike insurance protect you?

The tough roads today can cause an accident or an injury unexpectedly. Having insurance protects you in the following way:

It pays out if your vehicle is damaged in an accident or fire

In the event of vehicle theft it compensates for the loss

If you injure a third party in an accident it pays out for the expenses arising from this incident

When property belonging to a third party is damaged, it compensates for the losses arising from the incident

If cheap car insurance a personal accident causes permanent disability or loss of life for the driver or fellow passengers it offers a lump sum payment.

Bike insurance policy has to be renewed annually and doing this before the policy expiry date entitles you to a no claim bonus. There will also be no inspection on the vehicle. Bike insurance renewal can be done online, by filling cheap car insurance in a renewal form.

Two wheeler insurance is very flexible. If you decide to sell the vehicle, you can payday loans transfer existing insurance to the new owner. You can also transfer it to the bike or scooter that you are buying to replace the old one.

How to make a claim on the policy?

You can make a claim by filling in click here an online claims form. Submit it with relevant documents to get an approval. Money will be provided to you in a short while. If you have cashless click here coverage, repair can be done in any of the garages that fall under the insurers network by just showing your insurance policy number. The insurance company will directly pay the garage for expenses.

About the Author:

Kirti Saxena is a web enthusiast and a writer for different areas including insurance and banking and numerous other click click here here sectors. For more information visit: Two Wheeler Insurance Online and Bike Insurance Renewal.