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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, my site

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

No other information was available about the woman who will speak. 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. click here

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“It is my responsibility to look for other solutions,” Sapin said. continue, read more, my site

“The meeting has been scheduled for March 22 where he would be addressing the board members and talk about announcements made in the Budget to perk up growth,” a source said. read more, 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. continue, continue, continue

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, my site, continue, my site

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, read more, blog

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, 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., read more, blog

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. read more, read more,click here

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, read more, 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, click, read more

So far, SoFi has generated more than $1.75 billion in loans, saving borrowers an average $11,783, according to its website.

Student loans are a ripe area for startups. The climbing cost of college has helped swell total student debt to almost $1.2 trillion, with the federal government holding or backing more than $1 trillion of that amount, the U.S. Consumer Financial Protection Bureau said last year. More than 90 percent of all loans for the last academic year were government backed, according to the College Board., click here, blog, blog

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. read this, continue, continue, continue, continue

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. more, continue, 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. continue So will this latest jobs data trigger US rate risethat markets have been bracing for? click here 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. click here 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, click here 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. click here, 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. read this, continue

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? click here

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. click here

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. continue

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. read this

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. continue

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, read 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. read, blog 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., moreChinese trade data out yesterday underlined the continuing hit to commodities. read more

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. blog

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 certainly wasn’t modelled in the latest intergeneration report. click, click

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Sapin was replying Wednesday to a question from Member of Parliament Francois Cornut-Gentille, addressed to Prime Minister Manuel Valls, seeking clarity on the government’s finding that more than €2 billion is needed to reach the total €31.4 billion ($34.1 billion) set for the 2015 defense budget. click here, continue, blog

“The meeting has been scheduled for March 22 where he would be addressing the board members and talk about announcements made in the Budget to perk up growth,” a source said. continue, my site, continue

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. my site, my site, my site

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. continue, blog, blog, continue

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

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, 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. blog, read more,click here

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. read more, 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. read more, 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., read more, read more, click

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, continue, continue, 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, continue, read this

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? continue The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. click here The US dollar surged to an 11 year high against the euro. continue 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. click here, 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, 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. more, 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. continue

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

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. read this

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. more

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

Meanwhile, quantitative easing, the weaker euro, low oil prices, and improved forecasts for GDP growth and inflation are now driving a rally in European shares. continue

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

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? blog, blog, 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, blog

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, 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., 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. click

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, click

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Avgi warned that Varoufakis was “going to spend all the profits” of the support he had garnered for Greece since his unexpected elevation to international economics rock star. click here, click here, click here

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!” blog, click here, blog

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.

With survivor benefits, starting early means a reduced check – your widower benefit at 60 would be 30% smaller than if you waited until your full retirement age – but you can switch to your own benefit later. And if you don’t work, starting survivor benefits at 60 is the better course, said economist Laurence Kotlikoff, coauthor of “Getting What’s Yours: The Secrets to Maxing Out Social Security.” read this, click here, click here

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. read, blog, click here

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. 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

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. blog, blog, 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 here, read, read

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. more, more, click here, 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. read, 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. blog, continue, continue

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

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Avgi warned that Varoufakis was “going to spend all the profits” of the support he had garnered for Greece since his unexpected elevation to international economics rock star. 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, click here, read more

Dear Liz: I earned more than my wife, who died at age 57 after 18 years of marriage. When I turn 60, can I take survivor Social Security benefits based on her work record and then request my benefit at age 70?

With survivor benefits, starting early means a reduced check – your widower benefit at 60 would be 30% smaller than if you waited until your full retirement age – but you can switch to your own benefit later. And if you don’t work, starting survivor benefits at 60 is the better course, said economist Laurence Kotlikoff, coauthor of “Getting What’s Yours: The Secrets to Maxing Out Social Security.” more, read this, continue

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). blog, blog, read

Pete Provenzano stepped down as county finance director in August to become vice chancellor of administrative services at Oakland Community College. continue, continue, continue

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 told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. 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

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

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. 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. blog, click here, read more

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, read more, blog

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. more, read this, more, more

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. blog, more, read, blog

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, blog, read

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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“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.” blog, blog, read more

His mood cannot have been helped by the embarrassing leak of his letter on Friday to the Eurogroup detailing reforms ahead of Monday’s talks. The suggestion that the Greek government hire an army of amateur tax inspectors – including tourists – to crack down on tax fraud provoked an amused reaction from commentators. blog, click here, click

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.

Online calculators can help you determine the best Social Security claiming strategy. AARP and T. Rowe Price are among the sites that provide free calculators, but they don’t factor in survivor benefits. Consider spending about $40 for one of the more sophisticated calculators, such as Kotlikoff’s MaximizeMySocialSecurity.com, that can include this more, click here, click here

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. blog, more, read

After being unable to come to an agreement with a final candidate for the job, the county has hired a search firm specializing in executive recruitment in municipal government to develop a posting that officials hope will draw a qualified candidate. blog, 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 told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. 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

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” 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. blog, click here, read more

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, read more, blog

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. continue, read this, continue, read this

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. blog, blog, read, 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. continue, read, continue

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

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 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

“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.

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Insurance

Senior Republicans in Congress are seeking major changes to the Children’s Health Insurance Program when the program’s money runs out in September. 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

The Republican proposal would eliminate the Affordable Care Act’s requirement that states keep the family-income eligibility levels stable until 2019, and it could make it harder for families to prove their eligibility. Faced with a loss of federal funds for CHIP, as suggested in the Republican proposal, many states would probably shrink their CHIP programs and reduce their own financial contributions. insurance, insurance, insurance

The Republican proposal is billed as a way to let states make “common-sense changes” to their Medicaid and CHIP programs. But instead of helping the states, it could end up costing them a lot of money. 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

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 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

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http://vimeo.com/105134549 | post conviction relief | cook county dui lawyer . A day earlier, another judge in the same courthouse postponed the sentencing of a Humboldt County man who claimed his pot crop was all for medical use, in compliance with state law. Not at click here all, replied Assistant U.S. Attorney Kevin Barry, because defendant Matthew Graves “was not growing (his crop) for patients. dui in las vegas | traffic lawyer las vegas | lawyers in las vegas

When Graves was charged with illegal cultivation in 2012, the judge noted, federal law barred any evidence of medical use, but the new law might make that information relevant now. … He was growing it for money.” defense attorney questions

“It’s ironic that they don’t want any money spent (on federal enforcement), because there’s going to be a lot of money spent in courts,” said Marsha Cohen, a UC Hastings law professor in San Francisco who specializes in food and drug laws. In fact, Graves’ lawyer has said some of his client’s plants were for medical patients

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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.

“Families get together and they ask where their loved one is. Of them, only 268 are out on bail, meaning bounty hunters will not be actively searching for the other more than 64,000 people. “Why not utilize an industry that does that at no cost to the tax payers?”

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Padilla says his business has dropped about 20 percent. 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. “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. 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. san diego brain injury lawyeryer 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.

In Sacramento County, there are currently about 65,000 outstanding warrants on offenders who failed to show up for their court date

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It can take several hours for alcohol to properly filter through the bloodstream. 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. the law office of. family divorce attorney | medical attorney

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. 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. 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. 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. Someone might say that coffee, exercise or eating bread might sober you up quickly, but the only method that really works is time. It is estimated that in California a first offense misdemeanor DUI can cost over $15,000 and result in a license suspension.

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It is important to understand that buzzed driving can still be very dangerous. lawyer salary | attorneys free consultation

During the 2013 holiday season about 2,575 arrests were made on California highways

Insurance

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. Arrangements are by Fred Hunter’s Funeral Service in Florida.

“Because of what Google and Apple can do, they are in the position to gather so much data, and that data Continue… 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. 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.

He and his wife, Bebe, became devout Christians in 1951. Picton became deeply involved with Christian Fellowship, a congregation on Monroe Street that formed the year before. read more

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, formerly of Ottawa Hills, joined the firm in 1947. among them, his son said.

“He was more of a relational guy. and Owens-Illinois Inc. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

Mr. cheap car insurance That was important to him, to make his father proud. continue

His son said, “He was following in my grandfather’s footsteps. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. “It completely changed their lives,” his son said.

Mr. 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.

Mr. 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.”

The family Here. 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. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

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

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

“Insurance companies do stand a risk of being somewhat disenfranchised from activities they’ve more or less controlled” at a time when the industry’s economic model is also pressured by such trends as safer cars and an aging population, Puri said.. 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. Mr. Picton was on the Visit board of elders. Picton also had been an officer in Christian Business Men’s Committee, an international group.

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

He had dementia, but was only ill the last few weeks, his son Ken said. He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom

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. read…

“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.” click here

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. As time goes on, those needs become more critical, leading to higher costs payday loans online and worse outcomes, Schwimmer said. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. Both are federally regulated and have strict data security compliance standards. read…

The owner at first said he didn’t have a lot of online exposure. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. Coughlin in October chaired a hearing over health care costs. blog

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

That’s no click here longer true. 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. read…

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. blog

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 click here 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 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

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…

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. news

“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. more…

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

No matter how small the company, being protected is important, said Sumner. 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. 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

Korobow payday loans online is part of a growing swath of the American public that puts off seeking care from click here 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. read…

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

Assemblyman Craig J. read more

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. news

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

He said his share of the doctor’s bill, plus the cost of a click here scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. news

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. blog

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. Advances in pharmaceuticals and technology auto insurance quotes are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. more…

“I self-treat myself,” he says. That figure is up 65 percent over 2013, according to the survey. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. The owner ended up buying a cyberliability policy.

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. No one wants to be in Target’s shoes, with credit card companies coming after them to make up their losses. 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.

“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. 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. news

Antivirus software powerless against Sony hackers

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

“Those things shock the conscience,” he said. read…

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. click here

“Unbelievable,” he said. news

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. read…

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

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

“More and more of [the cost] is being 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. “That’s how these hackers practice. click here. “How do they justify it?” 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…

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

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. They go after the little ones who aren’t really paying attention.” read 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. read 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. 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. 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. “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.” read more

The problem is easy to identify but difficult to solve. read…

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

Cyber-risks that might cause a company payday loans online 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. 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 said. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” click here

“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 click here would enable more people to seek medical treatment,” Gallup said. In 2013 the number was just 16%. more…

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

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. Today courts hold companies responsible for the fallout from a breach, as Target is finding. read…

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional help. cheap car insurance href=”http://quoteze.com”>car insurance quotes | payday loans online

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

Smaller businesses are especially vulnerable, said Ness. 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

DUI Lawyers

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

Amid a sudden and sharp increase in the price of a heroin antidote medication, Attorney General Eric T. Schneiderman of New York on Monday wrote to the chief executive of a company that makes the drug, demanding an explanation for what he called an “unacceptable” rise. Denver DUI Attorney

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

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

“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 insurance from $54, he added. Los Angeles Auto Accident Attorney

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

“It’s a company, unlike other generics, that does not have a history of major price increases,” said David Steinberg, a pharmaceuticals analyst with Jefferies. “It looks to me that they’re playing catch-up. But the optics are not ideal.” read more

“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 Pharmaceuticals has failed to provide any satisfactory explanation for dramatically increasing the price of a critical lifesaving drug.” San Diego DUI Lawyer

Faced with a crisis of painkiller and heroin addiction, law enforcement departments across the country loans began 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 Attorney

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 Lawyer

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

And after a record-low 335 homicides in 2013, the city has seen 290 killings in the first 11 months of this year, a number unheard-of two decades ago. click here

Network

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

WAHVE is a consultancy that seeks to place qualified remote workers with independent agencies seeking new 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 blog href=”http://McManus465xdi.blogazza.com”>read more the Griffith Insurance Education Foundation revealed that young employees view insurance as “boring.” read more

Naomi White, executive general manager Human Resources, Suncorp Commercial Insurance, who authored the paper, said the employment landscape in the insurance industry will fundamentally change over the next decade: “The relationship between employee and employer will look very different. Insurers and intermediaries, including brokers, will have to explore every avenue to source the best talent from pools of people with increasingly diverse ranges of preferences and desires.”

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

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

Are you ready to lose a quarter of your staff? However unwelcome the thought may be, it’s a plight many insurance agencies read will face as an industry employment crisis looms on the horizon.

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

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

“If they know they’re working for an agency that offers the opportunity to have a career with flexibility, you will definitely 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 read the industry as long as possible.” read more

“We’ve been doing a lot of hiring, hiring into junior positions,” said Belyea, who serves as loans 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

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

“This data makes it clear that read more 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 loans 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

News

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.

One last thing in case your Website health should worsen and make qualifying for preferred life insurance rates impossible: Be sure to get a term life policy that is convertible to a permanent life policy, guaranteed. That means when your price guarantee ends on your Go here term life insurance policy, you are guaranteed the right to continue coverage if you still need it at preferred permanent life insurance rates.

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy More information that 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 policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los angeles dui lawyer

They’d worked with financial adviser Michael Turner to defer $100,000 of that income by establishing a Safe Harbor 401(k) and a profit-sharing plan. But the couple was interested in reducing their income taxes even further. sarasota dui lawyer

“Money is a tool, and the value that a financial professional provides News! is in knowing how to use those tools to provide clients with what they want, which in this case was reducing taxes,” Mr. Turner says. “It’s incumbent on financial professionals to find out what those hot button issues are for their clients.”

IRS rules required 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 Go here now the employees’ income. The employees could choose to add a click 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?

Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that read more they also contribute more to click here their employees’ accounts at click the same time. That wasn’t the couple’s immediate Visit our website 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 Visit the site 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 Visit this site 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 Clicking here 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://highlineautoplex.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 Read this JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway More information 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 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 Resource Michael Joiner, who sits on the Alabama Go here now 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 Learn more 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 Visit site 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 Visit us. 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.”

Finance :: Life Insurance Scams

Bait and Switch

Although less common than churning or twisting, a new scam is on the rise, especially payday loans among agents who prey on the elderly. With a bait and switch, an agent promises one type of insurance, has More you sign all the paperwork, and then creates a different type of policy for you. In Florida, agents promised cheap car insurance senior citizens low health insurance costs then had them fill out an application for life insurance. The agents lost their licenses and were This one arrested, but this scam could show up again anywhere in the country.

Stranger-owned life insurance is a new kind of investment tool. Older Americans, especially the wealthy, are offered insurance policies paid for by a third party. In many cases, the victims of this scam are also offered free medical exams or gift cards for participating. After a year or two, the senior citizen has two choices: pay back all of the premiums, plus interest, or give up the insurance policy to the outside party paying for it.

Churning

Twisting

Twisting is similar to certain unethical practices used by the mortgage industry. In this practice, agents misrepresent your income or net worth so you qualify for a larger policy. This results a big commission for the agent and a big headache for you. The agent may even combine your old policies into a new, unaffordable plan. If you don’t Hyperlink make the monthly payments, you lose all of your benefits, even those you’ve been Quotes paying for over the years. Before signing any new life insurance policy, make sure you understand the terms completely.

An Redirected easy way for agents to make extra money is by targeting people who already hold life insurance policies. If you’re already paying premiums, an agent doesn’t have to convince you of the benefits of insurance; they just have to sell you on their particular insurance. By convincing you to switch to their company, they earn a commission with little effort. However, many insurance policies require a waiting period of over a decade before benefits are accessible. Changing carriers can be beneficial for younger policyholders, but senior citizens may never be able to access their benefits. Unfortunately, unscrupulous agents often deliberately push new policies on senior citizens. You and your family can avoid this by finding a reputable, licensed agent and carefully reviewing any policy changes they recommend.

STOLI

Life insurance is a wonderful way to offer security for your View site… family. Unfortunately, it’s also a good way for insurance agents to generate commissions via unethical practices. In the past decade, life insurance scams, especially those targeting the elderly, have been on Continue… the rise.

In some states, legislators are working to criminalize scams like churning or STOLI. In others, agents who pushed these scams have already been arrested. Unfortunately, legal punishment comes too late for the families who have suffered from these horrible practices. Make sure your loved ones know how to avoid life insurance scams. Help them find a reputable agent. You can protect yourself, and your family, by being aware of unscrupulous practices.

STOLI is causing major problems payday loans in the life insurance industry and damaging the business prospects of many firms. Life insurance was intended to provide some security for families who lose their loved ones. Now that it’s being used as an investment tool, life insurance firms may be forced to change their policies to the detriment of everyday citizens trying to provide for their family.

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 an ancient pirate ship. read more

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

In a 2012 email, Horan told Silverstein they had a Visit homepage 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 Visit 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://noproblembarandgrill.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 Home page not what I wanted to do for the rest Click here! 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 Click 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 Website here! 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 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 View publisher site 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 View website 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 Visit their website 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 way to compare online auto insurance rates.

Internet Marketing Company explains in the latest article that comparing quotes provides important benefits, but it also has several limitations. In order to get accurate price information, clients will have to complete a single quote form.

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

Insurance is an online provider of life, home, health, and http://lesagelblaw.com 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 http://markreedlaw.com insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such http://vpremanlaw.com as local or nationwide agencies, brand http://daleinsurance.com names insurance companies, etc.

Has released a new blog post explaining how to compare online auto insurance quotes without paying for anything.

In this way, clients have access to offers Continue… from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from More various agencies, such View site… as local or nationwide agencies, brand names Their website insurance companies, etc.

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

The internet provides a better way of comparing quotes: online and on a single website. It is now possible to view numerous offers from multiple agencies on a http://donnabeardlaw.com single website.

Vacation Plans :: Travel Vacation Business Opportunities Reviews

None of the above mentioned businesses are set up to sell travel but rather sell opportunity with a travel product. Therefore none of the above mentioned business models actually allow you to carve out a niche in the 7 trillion dollar travel business. Furthermore, internet data shows that there are about 23 million people globally looking to start a home based online business. Data collected from surveys reveals that those people Continue… say they are only willing to spend $1,000 to start business. That means that if you chose an opportunity like; Global Resorts Network, MOR Vacations, and Resorts 360, you would have lost 99% of the global opportunity seekers market. Why market to 1% of the global business opportunity seekers and shut yourself out Go here completely from the 7 trillion dollar travel industry?

To recap you can become a Primo Vacations Club lifetime member for a onetime payment of $697 and never pay any dues and enjoy travel savings of 40-80% off forever. If you choose to pursue the business opportunity, you become a club member for a onetime payment of $697 and pay $49 a monthly to Read more… maintain your View website Primo Vacations back office. If you decide not to market the business you can stop anytime See page but you will always enjoy the travel savings as a lifetime member with no additional costs. Many club members say that they joined for the savings and recouped the cost of their membership with the first vacation they booked and were delighted at how simple it was to make money with the marketing system. If you want to know more about this opportunity you will find a helpful link that will take you to the company tour in my resource box titled Go Primo Vacations.

Standard Travel Industry practice is to book big blocks of rooms, cruises, resorts, and air travel during the peak travel times throughout the year. This practice makes it virtually impossible for the little guy to get a great deal booking a vacation. Travel Industry exerts leverage in this way to maximize inventory and Quotes profits. The individual is hard pressed to find any deals even in areas with excess inventory since availability is controlled by this standard industry operating procedure. Since most people can’t travel whenever they want this Travel Industry’s model is very effective and continues to work well for the industry bottom line.

There are many travel business opportunities out there that range in price from $2,995 upwards to $9,995. Some of these businesses are Global Resorts Network, MOR Vacations, Resorts 360, and Cruise To Cash; they really are not in the travel business but rather in the opportunity business. What I mean by that is that none cheap car insurance of these opportunities allow you to sell a travel membership to the consumer directly like Primo Vacations Club does. Here are the costs associated with these business opportunities: Global Resorts Network $3,500.00 plus $149 monthly, Resorts 360 $3,995.00 or $399 and $249 monthly lifetime, MOR Vacations $1,998.00 plus $149 annual, and Cruise To Cash $977.

Here are the facts to support this statement: With the Primo advantage you get a sensational lifetime travel club membership with personal travel concierge at unheard of travel savings of 40-80% and there are never any dues. Plus you get to save on, condos, hotels, all-inclusive resorts, villas, cruises, and air fare. The second advantage, should you choose to pursue the Primo business opportunity, is a fully integrated marketing system complete with website integration and a back office to track all aspects of your business. The marketing system provides you with Professional Business Assistants at no additional cost to do the telling, explaining, and selling to your prospective customers. The back office also includes interactive coaching and training along with Visit this site live coaching calls to help you learn at your own pace and achieve your goals. The system is can-am spam act compliant with a fully integrated automatic responder to follow up with your prospects with engaging emails. Your prospective customer base is comprised of business opportunity seekers along with consumers searching for inexpensive quality travel. These are just some of the features and benefits that come standard with the Primo Vacations Club opportunity. Compared to the other travel business out there it is an amazing value and bargain at $697.

Primo Vacations Club is a brand new travel and vacation club with a very unique business opportunity attached to it. It is situated to become a leading player in My company the travel industry which by the way is a 7 Trillion dollar industry. Primo Vacations payday loans Club was founded by Rob Hanley and Dave Garven who are also the co-founders of the hugely successful Your Net Biz business opportunity. The aim for Primo Vacations is to provide more unmatched and unbeatable value and service, than any other travel and vacations club, while giving savings of up to 80% on luxury condos, cruises, villas, resorts, and hotels at the most desirable destinations around the world.

Primo Vacations Club was designed to be of great value and opportunity.

Now if you have the ability to travel at the drop of a hat you can get a better deal but you are still in the grasp of the travel industry’s business model, the Travel Discounters, you know the names. When a drop dead expiration date approaches for the larger travel sellers then this same excess inventory is released into the next part of the food chain which are your Discount Travel Brokers. These brokers pass on some savings to the consumer; yet still control large travel blocks insuring profit and control for their business model. This cycle is repeated week after week and there is always inventory that is perishing. This perishing inventory is sizable and creates a great opportunity, but this opportunity is not open to John Q Public. Well at least that was the case till now.

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 See here attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice Linkedin treasure hunter who claimed he found thousands of emeralds off Other 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 See page the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein Click here! they had a duty to disclose the epoxy enhancement URL 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://davestavernnyc.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 Official site 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 was in banking in Dothan for years, and then Visit this site 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 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 Source 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 Read more… 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.”

Legal :: Ideas About The Start Up Of A Home Business

Few things in life can be as rewarding as owning your own successful home business! It is exciting, offers freedom and flexibility and can give you financial prosperity! But that is just the good news. The bad news is that running a home business is a ton of work, many hours and a very risky gamble. This article will provide you with sound and valuable advice on how to plan and achieve success with your own home business.

If you are running a home based business, you need to have a domain name and a website. Even the best websites will still look unprofessional if they are hosted on a free web-building site. Domain names are relatively cheap. Pick one that’s related to your business and you will undoubtedly see an increase in sales.

Expertise is important to the home business operator. The owner of a home business should spare no effort to be as knowledgeable as possible in his or her field. When all other factors are equal, customers will always go to the business owner cheap auto insurance who demonstrates a deeper understanding of the business and greater mastery of its skills.

Keep a positive Click attitude. Having a home business can generate a lot of stress but it’s important to always maintain a positive outlook. If blog you don’t believe you can make it, who will? Always remind yourself what you like about your business and your product or service and tell others!

Keep a receipt of every business related expense that you incur. This information is valuable when it is time to do your taxes. Create a folder to file the receipts so that you do not lose them. Periodically put the information into a spreadsheet so that it is not overwhelming to look through at the end of the year.

Check into local licensing requirements in your city or county as many home-business owners still need a license to practice. This may include a variety of licenses, permits, and other local regulations imposed by your local government. If you don’t check into this beforehand, you could end up being fined.

Keep working hard to grow your business even after it is well established. Businesses are constantly growing and you are going to Resource need to continue to advertise and get the word out about your business long after it is up and running well. This will ensure that you have a constant flow of new customers coming your way.

Remember to keep regular business read hours while running a home business. Not only does it motivate you to work your allotted time during the week, it will keep you from overworking and burning yourself out. Eight to 10 hours a day is a reasonable expectation and will allow you to spend more time with your family, and the majority of people who start home business do so to web page spend more time with their families.

If you are currently running, or thinking of running a home based business, check with your local government to see if you need any special permits or licenses to legally operate auto insurance quotes your business. Some cities and/or states require you to have a business license much like any other business would.

Attorney

You should contact a business lawyer in your area before you actually start your business. There may be laws that your state has established regarding home businesses of which you may not be aware. Contacting a business attorney is a great way to find out what the laws are and to find out what you need to do in order to follow them.

If you are going to have a home business, you need to meet with a lawyer and an accountant. It is vital that you know the laws in your state so you can operate your business in compliance. The attorney and tax insurance professional can help you learn the requirements for collecting sales tax and filling out necessary forms.

Speak with an attorney to find out what regulations you may have to face when starting your home business. The attorney can brief you on laws that apply to your business, helping you avoid problems. Getting an expert legal opinion will ensure that you comply with your local laws and avoid any potential difficulties with your state government.

The reality is that you never stop learning when you run a home business. You need to know a lot and do a lot and hopefully, this article has given you a lot toward getting your home business going and growing. Make notes from This website this article and leave them in very Twitter obvious places. Keep learning and stay dedicated to the dream and soon, it can become your reality!

Home Business :: How can Network Marketing / MLM Business Owners Reduce the Risk of an IRS Audit?

As you know, one of the big keys to success in network marketing is to “Never Quit”. The good news is that the vast majority of those who stay with their company for 10 years or longer hit the top position in the company’s compensation plan! The downside risk is that the cheap auto insurance longer you stay in business–any business–the greater the chances are that you’ll be audited at least once. And if any irregularities are found, audit lightning can strike more than once! So… let’s look at how tax returns are selected loans for an audit, and how can you reduce the risk of it happening to you.

First off, the odds of having the IRS select your tax return for an audit are very low. Roughly 1% of Hyperlink all taxpayers get audited in any one year. However, as a small business owner, you are much more likely to be audited than W-2 wage earners. In fact, sole proprietors (the legal entity structure for 80% of MLM businesses) are three times more likely to be audited than payday loans online W-2 employees.

1. Random selection. Sounds like something Darwin made up, but nevertheless, it applies here. The IRS simply selects some businesses at loans random.

If you’re serious about your Network Marketing business, you should maintain a separate checking account for the business. You should also hire a professional to prepare your tax return. You’ll usually save far more in taxes than you’ll spend in tax preparer fees. Tax professionals 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.

In conclusion, the best way to “Audit Proof” yourself is to properly document your expenses and make sure you are getting good advice from your tax accountant.

4. Document Compliance. If you’re typically slow to file (miss filing deadlines), or quick to file amended returns (looking for bigger refunds), you can put yourself at a higher loans risk of a tax audit. Haphazard non-compliance, or lack of attention to form details, can Visit site be like waiving a red flag and screaming “I’m over here! Audit me!”

The IRS selects taxpayers for an audit in several ways:

3. DIF scores. The IRS uses a method of computer scoring, called Discriminate Index Function ratios, to select taxpayers for an audit. This method identifies extraordinary tax deductions such as excess travel, entertainment, or vehicle expenses.

2. Targeted selection. Certain types of businesses are more likely to be audited than others. The IRS will focus like News! a laser on certain businesses if experience has shown a high degree of noncompliance with the tax laws. In times past, lawyers, car dealers, and funeral homes, for example, have had a target on their back.

Network Marketing / Multi Level Marketing professionals often ask me “What are my chances of an IRS audit?” Many others ask “If I overpay my income tax, will that make me audit-proof?”

The IRS doesn’t care if you overpay in one area–you will still get hit with interest and Image source penalties if you underpay in another area.

Will overpaying your income taxes make you audit-proof? Repeat after me: They don’t care. The IRS doesn’t care if you pay the right amount of tax, or even overpay your taxes. They DO care if you pay less than you owe, and also if you can’t substantiate deductions you’ve claimed on your return.

While there’s not a lot you can do to avoid the glare of DIF scores or random selection, one thing you can and should do is keep good records. Always carry an appointment book or day-timer to record your auto mileage, travel, and meals / entertainment records. You should also Continue… keep special records for equipment that you use for both business and personal purposes. Computers, cell phones, and vehicles used for both business and personal use are great examples; these are called “listed property” and the rules that dictate how much you can deduct for business usage requires detailed record-keeping.

Insurance

Discover Bank also announced that it would be launching a payday loans 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 read more 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 payday loans online 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 loans, and more. But 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 that these are still for-profit companies, and so any loan modification is not going payday loans 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 understand that keeping up with payments can be difficult.

We payday loans may have payday loans online 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 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 loans then, it’s no guarantee that Wells read Fargo will agree to any student payday loans online loan modification.

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

Insurance

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 car insurance quotes 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.

“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.

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 auto insurance quotes 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.

‘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.’ ”

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.

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:

‘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.’ ”

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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 cheap car insurance need. Spanish-speaking interpreters are always available, and there are also volunteer translators in many other languages.”

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.

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

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.

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 car insurance quotes in Medicaid, the money goes to Medicaid. If they choose private insurance, the tax car insurance quotes 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).

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:

Some experts say “yes.” Zane Benefits, for example, has been promoting a plan it says allows companies to reimburse employees who car insurance quotes 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 car insurance quotes is illegal under federal law.

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.

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?

“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.”

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 Read here child in the country and instead of that people auto insurance quotes are participating in a lottery to determine who will get care. Obviously something is not working very well.

“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 funds safety hospitals have to deliver care to the most vulnerable populations:

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.)

Insurance

Last week, Wells Fargo was the first read more private student loan lender to announce loans it will read modify private student loans for borrowers that are facing financial hardship. While many private lenders have worked with borrowers, Wells Fargo is one of the first to announce that it will offer long term modifications to borrower payment plans. You can read the full press release here.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have gotten payday loans online 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 standard fixed repayment.

Private payday loans 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 loans, and more. But 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 Image source 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 that these are still for-profit companies, and so any loan modification is not going payday loans 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 understand that keeping up with payments can be difficult.

We may have options loans 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 payday loans to financial hardship, payment options if you are already past 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 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.

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

Insurance

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 car insurance quotes the cost of the insurance to many middle-income employees.

” ‘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.

“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 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 Click here. 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:

‘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.’ ”

“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 auto insurance quotes 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.”

How might something like RSS Feed that work in the United States? A fair and efficient way of structuring it is to offer everyone a tax credit car insurance quotes of, say, $2500 for an adult and $8,000 for Visit the website 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).

Page 1 / 2

Continue

Comment Now Follow Comments

Print

Report Corrections

Reprints & Permissions

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:

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 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 car insurance quotes translators in many other languages.”

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 cheap auto insurance 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.

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’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.

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.

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 car insurance quotes 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.

“The California Department of Health Care Services sent everyone who needed to renew the necessary cheap car insurance 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.

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.

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.

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.

Insurance

Under the proposals, insurers will have to allocate specific responsibility for developing and embedding the culture of their firms to one or more Reference senior managers. The watchdog also plans to introduce cheap car insurance 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 Governor Andrew Bailey said.

Regulators have come under fire from lawmakers for URL 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 cheap car insurance they were unaware of or had challenged dubious behaviour at the time.

This has Click here! 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 Home 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 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 click here recognised 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 RSS apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

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

When To Utilize A Business Loan Packager

The support provided by Loan Packagers justifies the costs billed because debtors,

Reduce price of loan-shopping

Become familiar with their business finances better

Evaluate financial claims to make sure that the trends are right and all sorts of ratios make lending sense. If for instance you revenues are decreasing, you have to drill deep in to the causes and mitigate them smartly. Failure can lead to loan denial.

Gather all of the necessary documentation. Most debtors do not know the borrowed funds documentation they have to provide to loan companies. They spend days delivering odds and ends of knowledge to loan companies, thus agitating loan companies and extending approval occasions.

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End up with competitive rates

Recommend loan structure and terms including rates of interest. Loan structure is essential for you to get favorable loans. You must know when to try to get a credit line, a periodic line, a short term personal loan or perhaps a long-term loan. Various financial loans have different rates of interest.

Review Business and Finance Plans. Loan companies have little if any time looking at click here business and/ or financial plans that do not seem sensible.

Examine borrowing causes and clearly determine the borrowing need, thus getting rid of vagueness and unnecessary read needs. Loan companies are horrified by debtors who request loans “from the blues” according to nothing apart from collateral click here value.

Loan companies are very busy and therefore are frequently delay by loan demands full of errors and/ or don’t loans satisfy the read fundamental standards of lending.

But loans small company debtors with little understanding of packaging loan demands can boost their likelihood of getting funded by way of experienced loan packagers.

Benchmark customer business with industry peers. This can help in giving a loan provider the experience from the borrower’s industry and just how the customer is carrying out in comparison towards the industry. When the borrower’s performance is less than speed, then your customer might want to to experience a business diagnosis test to recognize what causes poor performance.

Minimize click the amount of credit reviews that banks pull

This is exactly what Loan packagers do:

Match borrowing need with banks’ lending criteria. Banks have different lending guidelines according to amount borrowed, sector, purpose, collateral, years running a business etc. Debtors spend endless days searching for loan companies simply to be refused getting had a number of their credit read reviews drawn.

Close their financial loans faster

Provide experience click here on questions to anticipate from loan companies. Picky or lazy loan companies will deny financing on the flimsy excuse, for example, ‘the read customer doesn’t conserve a budget’ or ‘the customer is not aware of his average inventory carry’ etc.

Save money on the chance price of postponed or refused financial loans

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Finding The Right Auto Insurance For You

What is auto insurance? Why is auto insurance important? Why pay for auto insurance? If I drive a car do I have to have auto insurance? What are the benefits of auto insurance? Can I get auto insurance online? How do I choose the best rates of auto insurance? Can I get click here cheap auto insurance? Do I want cheap auto insurance or do I want quality auto insurance? Can I get cheap auto insurance and quality auto insurance in one insurance policy? How can I save money on my auto insurance rates?

Let’s start with the first question: What is auto insurance? The word insurance itself means to provide protection in the case of a loss financially. In the case of auto click here insurance you’re protecting yourself financially against the loss of a car in a car wreck. Auto insurance means that you cheap car insurance sign an agreement with an insurance company saying that you’ll pay a small monthly amount (an auto insurance premium) and in the case that you have a car wreck the insurance company will pay you a certain click here amount to fix your car click here or other problems caused by the car wreck. The amount that you pay and the amount that the insurance company pays is all detailed and outlined in what is called an auto insurance policy.

Why is auto insurance important? Because if you get into cheap car insurance a car wreck whether it’s your fault or the fault of the other driver, you’re financial expenses are covered by your auto insurance policy. If the other person doesn’t have auto insurance then you’re stuck with just your auto insurance money, but if the other person in the car wreck has auto insurance, you may also benefit from the financial click here pay-out of their auto insurance policy.

Why pay for auto insurance? Paying for auto insurance can give you peace of mind. Maybe you won’t ever get into a car wreck. Or maybe in ten years of paying auto insurance, you only get into one car wreck. Still, you have peace of mind and the little insurance click here premium you pay every month will pay for the big financial expense of the car wreck. You take a small risk on the auto insurance policy and the insurance company takes a risk on you when they sign the auto insurance policy.

If I drive a car do have to have auto insurance? In most states, yes it is required by law to have auto insurance. If you don’t have auto insurance in these states and are pulled over by police you could get your driver’s license suspended by not having auto insurance. Auto insurance simply protects you and other drivers.

What are the benefits of auto insurance? Two benefits, peace of mind and you cheap car insurance have insurance when you get into a car wreck to help with the big expense of fixing your car, paying for injuries, fixing the other person’s car, etc.

Can I get auto insurance online? Yes, you can get auto click here insurance online with most insurance companies.

You do want to get the right auto insurance rates and quotes that will fit your budget as well as quality auto insurance when the time comes that you need to use your insurance. This is where using online tools can come in handy or talking to an insurance agent to help you understand quotes, rates, and auto insurance policies.

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Why pay for auto insurance? Paying for auto insurance can give you peace of mind. Maybe you won’t ever get into a car wreck. Or maybe in ten years of paying auto…. Learn more at Auto insurance Portland and online car insurance