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The Effect Of Employersponsored Health

Park City, UT (PRWEB) May 19, 2012
Today, Zane Benefits published data outlining the effect of employer-sponsored health insurance on overall U.S. medical expenditures over time. Zane Benefits provides small businesses with comprehensive and flexible alternatives to traditional group health insurance.
Originally, employers thought providing tax-free health benefits and paying all incidental medical expenses was a great way to compensate employees, with federal, state and city governments paying about half the bill through hidden tax subsidies. This subsidy was even larger for decision-making executives in high income tax brackets because the marginal federal personal income tax rate for people earning over $ 135,000/year ranged between 91% and 70% from 1959-1981. By the mid-1970s, employer-sponsored health benefits with virtually no deductibles were almost universal among major employers.
With third-party employers and government footing the consumer?s medical bill, the medical industry was given free rein to develop thousands of new treatments. Most of these were efficacious treatments, increasing the quality of healthcare across the country.
However, not all treatments were economical. For example, the pharmaceutical industry developed solutions to problems that weren?t previously defined as medical issues (e.g. prescription drugs to allow people to eat unhealthy foods, Mirapex to treat restless leg syndrome sleep disorders, Viagra and Levitra to treat impotence caused by old age, etc.). By classifying these solutions as ?prescription drugs? rather than over-the-counter medicines, the industry was able to sell them to patients with other U.S. citizens and/or employers paying a large portion of the cost through the tax subsidy on employer-sponsored health insurance plans.
?The sad truth today is that less than half of all medical care in the United States is supported by good evidence that it works, according to estimates cited by the Congressional Budget Office.? -New York Times Editorial
LASIK provides an interesting Case Study
Of course, most of the thousands of medical solutions developed, such as MRIs, vaccinations, and surgical procedures, work well and greatly improve our medical care. But, because these solutions were also paid for through distant third-party employers, there was little incentive for medical providers to make these solutions more affordable. LASIK eye surgery, which is typically paid for by consumers themselves versus employers, came out in 1997 and competition forced the price from $ 3,500/eye to $ 500/eye for a greatly improved product. Meanwhile, the cost of MRIs and other technology-based innovations increased threefold over the same time period where the consumer did not have to pay their own bill.
Healthcare cost rose from $ 27 billion in 1960 to more than $ 2.3 trillion in 2007
As a result of these and other problems, U.S. healthcare costs, funded mostly through tax-free employer-sponsored health benefits, rose from $ 27 billion in 1960 (5% of GDP) to more than $ 2.3 trillion in 2007 (16% of GDP). Today the cost of employer-sponsored health benefits exceeds profits for many large companies and threatens the viability of major employers. For example, the market value of General Motors dropped 50 percent after the company announced a $ 60 billion retiree healthcare obligation (They’ve since switched to an HRA for many employees that reimburses retirees for medicare supplement premiums).
Due to rising costs, some employers and employees have been economically forced to abandon employer-sponsored health benefits entirely. Today, less than 50% of U.S. small businesses offer group health insurance.
Is Consumerism the Solution?
Many U.S. economists today agree that part of the solution to rising medical costs is returning the consumer to paying directly for part of their healthcare. To a degree, most employers have already embraced this concept by having employees pay the first few hundred or thousand dollars of their own medical care?typically by raising their annual deductible, increasing coinsurance, and shifting premium costs to employees for spouses and dependents.
Raising the employee?s annual deductible has proved difficult for employers to implement because:
Employees expect to receive virtually 100% coverage for medical expenses as part of the benefits of a ?good job;?
Employees have not been financially educated to budget for medical expenses, and get angry at their employer (or carrier) when they incur non-covered medical expenses; and
Employees typically have to pay up to twice as much ?after tax? for medical expenses and health insurance premiums not paid through a qualified employer-sponsored health plan, health savings account or cafeteria plan.
– -
About Zane Benefits, Inc.
Zane Benefits, Inc, a software company, helps insurance brokers, accountants, and employers take advantage of new defined contribution health benefits and private exchanges via its proprietary SaaS online health benefits software. Zane Benefits does not sell insurance. Using Zane?s platform, insurance professionals and accountants offer their clients a defined contribution plan with multiple individual health insurance options via a private health exchange of their choice. Learn more at http://www.zanebenefits.com.
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More Graduates To Find Employment

Belleville, IL (PRWEB) May 18, 2012
There?s good news on the horizon for the Class of 2012. A recent survey by the National Association of Colleges and Employers estimates a 10.2 percent increase in college graduates scoring jobs after graduation compared to last year. As they begin to navigate the workforce, young workers should focus on planning for long-term financial security, including a potential disability, according to Allsup, a nationwide provider of Social Security Disability Insurance (SSDI) representation and Medicare plan selection services.
Starting a new career is a time of promise and possibilities, but there?s a considerable chance statistically that younger workers will contend with a work-stopping injury or illness before they reach full retirement age. The Social Security Administration (SSA) reports that a 20-year-old has a three in 10 chance of becoming disabled before reaching retirement. Nearly 350,000 people age 31 and younger currently rely on SSDI benefits. Young workers may not realize that part of their Social Security taxes go toward SSDI, or, if they are aware, may never investigate whether these benefits will be enough to support them and their families.
?You should never take your income for granted?making the effort to plan ahead financially is crucial,? said Tricia Blazier, senior specialist for the Allsup Disability Life Planning Center. ?No one likes to think about a tragedy causing a work stoppage, but it?s important to think beyond your current circumstances when planning for the future. Social Security Disability Insurance should be considered just one part of a safety net that also includes employer-provided or private disability plans and personal investments.?
SSDI is a federally mandated insurance program that taxpayers and their employers fund through payroll taxes. It is designed to provide monthly benefits to those who have experienced a severe disability and cannot work for 12 months or longer, or who have a terminal condition.
Social Security Disability and Finances
The earlier a serious disability occurs, the less time people have had to prepare financially. That?s why it?s important not to put off planning. ?Ideally, as a graduate, you will enter the workforce and enjoy good health and a long and rewarding career,? Blazier said. ?However, if you encounter a disability, the current level of Social Security disability benefits earned through your job, while very helpful, probably won?t be enough if you are forced to stop working.?
Following are considerations for graduates examining their financial readiness.
Evaluate private disability insurance and emergency funds. Finding other ways to minimize financial difficulties down the line is imperative. ?Check out long-term disability insurance plans that you pay into now, and create an emergency savings fund you truly only use in an emergency,? Blazier said.
Understand SSDI and the potential wait for benefits. Every worker can earn up to four credits annually. Most workers must have earned 40 credits during the past 10 years to be eligible for SSDI benefits. Workers under age 31 may be eligible for disability coverage with as few as six credits in three years. However, relying solely on SSDI could cause severe financial hardship, Blazier added. More than 1.8 million SSDI applicants currently are awaiting review of their claims and disability appeals, according to the SSA. The Social Security disability review process is complex, and some applicants may wait two or more years to be awarded SSDI benefits.
Know current financial circumstances. Those new to the workforce may start off living paycheck to paycheck as they begin their careers, but it?s important to budget and review opportunities for saving. ?If you are like 40 percent of the population, you could not go more than three months without income,? Blazier said. ?If your only plan in the event of a disability is getting SSDI, you could be setting yourself up for a financial disaster.?
For example, the average monthly SSDI income for someone who is 21 is just $ 502.67 compared to $ 1,053.24 for a 50-year-old. However, applying for SSDI is an important part of managing finances in the event of a disability and offers a number of advantages beyond monthly income, including eventual eligibility for Medicare coverage and dependent benefits. With that in mind, it?s beneficial to thoroughly review the SSDI program and learn how best to secure these benefits when they?re needed.
Check out Allsup?s Online Guide to Personal Finance, which helps people with disabilities and their families create a financial blueprint. Parents who now can put college tuition behind them should start saving as well. ?Allsup is committed to helping people of all ages map out their next steps, especially in the face of a severe disability that prevents them from working,? Blazier said.
Call Allsup?s Disability Evaluation Center at (800) 678-3276 for a free disability evaluation.
ABOUT ALLSUP
Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.
# # #
Make Your Life Tax Deductible
Take advantage of every tax deduction-and keep more of your income!Contrary to popular opinion, the IRS is a small-business owner’s best friend-but the agency is an expert at hiding that fact in complex tax codes. The truth is, there’s a good chance you’ve been missing out on some real money-saving opportunities. Tax specialist David Meier puts you on the path to greater profitability by stripping away the complex language in which tax laws are cloaked and communicating your tax rights in plain, easy-to-understand terms.Make Your Life Tax Deductible provides: Hundreds of money-saving tax deductions in an accessible format A full range of categories, from travel expenses to retirement plans Expert advice on how to build your profits into a retirement plan Have you been paying the IRS more than you have to? Structuring your business as a “sole proprietorship” (Chapter 1) Deducting the entire cost of your health insurance (Chapter 3) Detecting IRS mistakes made in the its favor (Chapter 15) Putting pre-tax money into an IRA (Chapter 17) Deducting property depreciation from your taxable income (Chapter 12) Offsetting taxable income with business losses (Chapter 4) Paying the lowest possible corporate income tax (Chapter 7) Using Guaranteed Payments to fund your retirement plan (Chapter
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How To Land Health Insurance
How to Land Health Insurance Leads
Health insurance leads like leads in any other insurance line are easy to come by especially online. But it is the quality of such prospects that matter – only if a high percentage of them lead to insurance sales can they be considered as high quality. So it is important for an agent like you to understand how to land good leads. Other wise you will only be spending money, time and effort for nothing.
There are a number of qualifications a person should have to be able to get a insurance plan. So getting insurance leads is a tougher call than the rest. You should be well versed in explaining the products and plans thoroughly as leads are likely to ask more questions to understand their eligibility clearly. Health insurance line offers possibilities for group insurance as there are several plans in this category that can be very attractive to potential clients that leads. Group health insurance leads are highly profitable and it is worth while for agents to look for deals for groups. For this the best form of leads acquisition can be through calling on small businesses that do not give their employees any health insurance.
Referrals have always been and are likely to always be a fool proof method to generate leads. If your existing customer is happy with your support he is likely to spread a good word about you in his/ her circles and this circle keeps growing like this until it is a strong network of your customers. Insurance leads that come from such recommended prospects almost always end in a winning deal. So always keeping this as your primary focus helps you to grow strong especially in the long run. Buying leads is the latest method that is being used successfully by many an agent in the line.
It has been evidenced that more than three fourth of the populace typically looks up the internet for insurance buying. They come to gather details and review various plans and products. These are the hot prospects that are likely to give you business. To get you such strong health insurance leads companies exist that provide lead delivery services. An agent can become really successful by just finding one good source of health insurance leads.
Even a few leads that come in periodically could be enough when they all culminate in an individual or group insurance deal. Other agents operating in your insurance line could help you identify some good lead delivery services. By testing them out over a period of time and by asking pertinent questions about the leads that are provided you should be able to easily judge the effectiveness of the lead from a company. You should get correct lead details, get them on real time in email etc according to your choice and discounts for bulk lead buys. You could also choose exclusive or shared leads.
Looking at the health insurance leads samples can give you an idea about what to expect as output from them. You should be getting enough details about a prospect to follow up with them instantly and easily.
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Free Resume Preparation Orientation
Free Resume Preparation Orientation
Event on 2012-05-23 12:00:00
http://www.onetruemedia.com/shared?p=7762d200a989457a22ccaa&skin_id=601&utm_source=otm&utm_medium=text_url
givetodayobama2012@gmail.com
http://givetodayobama2012.blogspot.com/2011/09/give-today.html
Give Today!! To re-elect OBAMA 2012
Take up an offering for the reelection campaign of Barack Obama and send to Alisa R Harris Church 901-326-2683—Memphis Campaign Manager
Make checks payable to: Alisa R Harris Church and Send To: 531 Nonconnah Memphis, Tn 38109
Also schedule me to speak about the American Jobs Act. http://my.barackobama.com/page/outreach/view/2012/givetodayobama2012
See www.myspace.com/obama2012victory
Check this box to confirm that the following statements are true and accurate:
1. I am a United States citizen or a lawfully admitted permanent resident of the United States.
2. This contribution is not made from the general treasury funds of a corporation, labor organization or national bank.
3. This contribution is not made from the treasury of an entity or person who is a federal contractor.
4. This contribution is not made from the funds of a political action committee.
5. This contribution is not made from the funds of an individual registered as a federal lobbyist or a foreign agent, or an entity that is a federally registered lobbying firm or foreign agent.
6. I am not a minor under the age of 16.
The funds I am donating are not being provided to me by another person or entity for the purpose of making this contribution.
Contributions or gifts to Obama for America are not tax deductible.
Obama for America can accept contributions from an individual of up to ,500 per federal election (the primary and general are separate elections). By submitting your contribution, you agree that the first ,500 of a contribution will be designated for the 2012 primary election, and any additional amount, up to ,500 will be designated for the 2012 general election.
RE-ELECT PRESIDENT OBAMA- GUARANTEED JOB OFFER Sept 6, 2011
Per Job Creation Bill in USA Today 9/2/2011, Bil Philanthropist acquires 7 Bil to create 2.2 Mil jobs in two years- Alisa R Harris Church, and the Job Creation Foundation tap into the monies address in the bill written by Jan Schakowsky D-IL, Jared Bernstein, Kay Bailey Hutchinson R-TX, and John Kerry D-MA per the Center on Budget and Policy Priorities, as of 2012.
PRESS RELEASE- SEEDCO Jobs should be City of Memphis Jobs- Stop their Funding!
August 10, 2011
Vote for Ed Ford Sr. Memphis Mayor 2011
THE JOB CREATION QUEEN
Leave a Message- 901.326.2683 Alisa R Harris of Memphis with the Alisa R Harris Church offers unlimited fundraising positions for the city’s afterschool and summer camps program. She has a preference for felons, food stamp recipients, and homeless persons and also offers an In-Kind tax deductible receipt for volunteers. Book her NOW to save the World! For more information Google Give Today Obama 2012.
531 Nonconnah
Memphis, Tn 38109
(901) 785-0750
(901)326-2683
PRESS RELEASE
39.68 Million Jobs- The Job Creation Foundation is Hiring 20,000 per day Nationwide
Dear Case Managers and Governors-
guaranteedjoboffers@aol.com
givetodayobama2012@aol.com
www.linkedin.com/in/jobcreationfoundation
www.millerfoodfoundation.zoomshare.com
As of today we propose that your state allow us the opportunity to shoulder the burden of public assistance for we have devised a plan that will obtain for each and every TANF/FS recipient self-sufficiency within 90 days. As a part of our One Million Jobs initiative Alisa R Harris would like to make a job offer to each and every TANF/FS recipient in your state and in the nation. Here at the Job Creation Foundation and Alisa R Harris Church our fundraisers work from home soliciting by phone, online, or door to door. They make /hr and paydays are every other Monday with a two week holdback. If the employee does not live in Memphis everything is done- by fax, email, and certified mail. To accept these job offers please call 901.326.2683 or email coreymillerfoodfoundation@gmail.com by October 1, 2011.
http://www.youtube.com/watch?v=DfjRsVPLK0A
Also if our church is their work component we will provide their transportation fuel, and a raise in TANF/ FS benefits as a private agency with our alternative public assistance program- saving you millions if not billions out of your state budgets.
Once the recipients receive our job orientation by phone the new hires will be able to print all our forms from emails. Going forward we must firmly insist and suggest that each AFDC/TANF/FS applicant be referred to us before being issued any further government assistance. I sincerely hope the transition will be a smooth one as we have a job for each and every American. Bare in mind- every student in the United States has sold either cookies or candy for the school and nobody has to be trained to “panhandle”.
Thank You,
Alisa R Harris
Tax ID#27-0547608
Alisa R Harris Church
http://www.linkedin.com/in/alisarharris
Alisa R Harris Church and Corey Miller Food Foundation is hiring 30,000 phone workers in Memphis with TRU Records. This is a permanent full time position. It pays per hour and you have a daily pay option. We have a preference for felons, food stamp recipients, and homeless persons. You can either use this job to go door-to-door to businesses or use it strictly as a phone job from home. And we are currently fundraising for our summer camps and afterschool program. To make a contribution: Make checks payable to Alisa R Harris Church and send to 531 Nonconnah Memphis, TN 38109
www.millerfoodfoundation.zoomshare.com
www.twitter.com/givetoday2012
www.obama2012victory.blogspot.com
901-326-2683
TO APPLY FOR THE FUNDRAISER POSITION SIMPLY EMAIL YOUR INFO TO coreymillerfoodfoundation@gmail.com . THIS WILL GENERATE AN AUTOMATED EMAIL RESPONSE, SO CHECK YOUR INBOX. FEEL FREE TO CALL ME AT HOME FOR ANY FURTHER QUESTIONS AND HELP 901.785.0750 ALISA R HARRIS
Signed
Alisa R Harris of The Job Creation Foundation
www.linkedin.com/in/jobcreationfoundation
www.linkedin.com/in/alisarharris
givetodayobama2012@aol.com
901-326-2683
901-785-0750
Can We Come Do a Job Fair?
A Community Garage Sale would be fun with or without a Pot Luck! When you host Us
You earn Half the Admission (paid only if they don’t bring a dish) and all the parking fees.
Your Clients or Members earn Quick Cash for Old Junk,
And We handle all Booth Rentals! Call me, Alisa R Harris at home 901.785.0750 or email at coreymillerfoodfoundation@gmail.com
I represent the Job Creation Foundation and we are currently hiring 30,000 phone workers in the Memphis area and have a 13 Step Job Readiness Program that entails:
1. A Guaranteed Job Offer
2. Immediate Income opportunity. Daily Pay.
3. Job Referrals for Better Jobs and We Host Job Fairs.
4. A Good Work Reference.
5. A Recent Work History.
6. Browsable Online Resume.
7. Free Email Account.
8. We Teach You How to Apply for Jobs Online
9. Job Counseling For Life and We Train You How to Hold a Job
10. We Prepare You for Online Technical Support Jobs
11. Job Offer Letter, W 2s, and Employment Verification
12. We Make You More Marketable
13. We Create Hope in the Low Income and No Income Tax Bracket
And We Provide you with
Self SUFFICIENCY REFERRALS– GUARANTEED JOB OFFERS,
FREE FOOD, SAFELINK (FREE CELL PHONES),
ADVANCE EARNED INCOME CREDIT, SSI DISABILITY FOR KIDS,
FIRST TIME HOME BUYERS ASSISTANCE, DHS CHILD CARE IN YOUR HOME,
BUS PASSES,
WEEKLY TRANSPORTATION FUEL REIMBURSEMENT CHECKS OR GAS CARDS,
COMMUNITY SERVICE WITH GUARANTEED JOB OFFERS,
CHILD SUPPORT GRANTS FOR HOUSE ARREST INMATES,
FAFSA- PELL GRANTS, CLOTHES CLOSETS, CASH ASSISTANCE (TANF),
BAD CREDIT CREDIT CARDS– http://www.creditcards.com/bad-credit.php
NATIONWIDE JOB REFERRALS 4 FELONS,
HELP RESTORING VOTER'S RIGHTS AFTER PRISON,
FREE BURIAL INSURANCE FOR INMATES AND THE HOMELESS, LIFE SKILLS CLASSES, GUARANTEED JOB OFFERS IN JAIL,
COLLEGE FUNDS FOR THE MIDDLE CLASSED, FREE DIAPERS,
INCOME BASED HOUSING, FOOD REFERRALS- COMMODITIES,
FOOD PANTRIES, WIC, AND SOUP KITCHENS– FREE HEALTH INSURANCE,
FREE PRESCRIPTION DRUG COVERAGE, FREE CHILD CARE,
OPENING A CHECKING ACCOUNT, AND IMPROVING YOUR CREDIT RATING-
I have spoken to the Pre-Release class at Mark Luttrell Correctional Center. I spoke at Strayer University to Mischelle Best’s business law class and I met with Pre-Trial Services at 201 Poplar.
Our Famous CMFF Penny Drive & Job Fair Chain Letter…
When you rent a Booth we charge a Penny and Every Day we DOUBLE it!!
All we Ask of our Contributors is to give at least a Penny and every time you come to one of our events is to commit to give DOUBLE!!
And also
Bring and TELL someone about us and EACH time- DOUBLE it!!
Please don’t give anything at all if you don’t think we are really helping the community and Know in your Heart that God will enable you to always meet your commitment to us… II Corinthians 9:7 and 11 Alisa R Harris 901.785.0750
www.obama2012victory.blogspot.com
STOP THE BENEFITS FOR NOT WORKING!!
Obama has No Need for a Default August 2nd
By Alisa R Harris
901-326-2683
July 28, 2011
DON’T TOUCH THE SOCIAL SECURITY AND MILITARY PAY!!
Mandatory Cuts ASAP
Job Readiness/ Job Search Classes for welfare recipients- They cost -20 in taxpayer dollars for gas cards and bus passes per recipient.
Section 8 Vouchers- They benefit too few Americans.
Unemployment Compensation- The Job Creation Foundation offers a guaranteed job offer to any American at coreymillerfoodfoundation@gmail.com and workers never can get unemployment unless they are laid off.
Non-labor jails- The 13th Amendment says they should work to pay their debt to society.
SSI Disability for Kids and Crackheads- These are people that could live 80 years and will never pay taxes or hold a job.
Free Food with your tax-free food- All the food stamp recipients qualify and may receive aid at food pantries, the WIC office, commodities (Farmer’s Market) programs, and soup kitchens.
7. Free Child Care for the Unemployed- There are over 38 Million people on food stamps and public assistance.
8. Free Health Insurance with Free Prescription Drug Coverage for the unemployed- STOP Medicaid
9. Advanced Earned Income Credit and Earned Income Credit- These are tax breaks for the poor that enable them to get a tax refund when they may not owe or have paid any taxes for that particular tax year.
10. Free Child Support Enforcement- The average women on public assistance is receiving child support that they are not reporting to the government (that’s double dipping).
11. Free Schooling after free child care and public schools- Everyone in the project qualifies for a pell grant but the job market doesn’t match the school enrollment.
12. TANF/welfare (AFDC)- The Job Creation Foundation and Alisa R Harris Church offers a guaranteed job offer to any American at coreymillerfoodfoundation@gmail.com or call 901-326-2683 Alisa R Harris
13. Transportation Reimbursement for Job Seekers on public assistance- There are over 38 Million people receiving food stamps and gas is too high.
14. Stop funding the NAACP and historical black colleges and universities because the like is reverse discrimination when you use government funds for ethnic group only organizations.
15. Send all illegal aliens home or to work camps (jails) until we can provide a job for each and every American who wants to work.
16. Stop all benefits to teenage unwed mothers- It is a benefit and incentive to continue reckless behavior.
Can We Come Do a Job Fair?
Alisa R Harris 2012
www.linkedin.com/in/coreymillerfoodfoundation
CONNECTIONS (special thanks from the Ford Campaigns) 901-326-2683
Sterling McNeal- Church Heath Center,
Charlotte Connor- Workforce Solutions- City of Memphis,
Raleigh Walker- Girl Scouts (Volunteer Services),
Regions Bank,
Catholic Diocese,
The Urban Child- Katy Spurlock,
Caesar’s Entertainment Group (Harrah’s)- Valerie Morris,
Victory University (Rhodes College),
Lawrence Johnson Realtors,
Pink Palace Museum,
Home Based Business Chamber of Commerce,
Katy Kirk-Johnson- Shelby County Government,
Girls, Inc.,
Trustmark Bank,
Boys, Inc.,
Memphis Botanic Gardens,
Flinn Broadcasting,
Artsmemphis.org,
Labor Now- Betrice Settles,
Nike- Jimmy Scott,
Russell Gwatney- Mazda,
Memphis Urban League,
Memphis Business Journal,
Memphis Black Arts Alliance,
Memphis City Schools Board- Patrice Robinson,
C Murder of Tru Records,
Greater Memphis Chamber of Commerce,
Memphis Grizzlies,
Remington College,
Mid South Minority Business Council,
Fire Marshal- Bartlett,
Memphis Business Academy,
Shelby County Sheriff’s Office,
Lemoyne Owen- Allen Savage,
Workforce Investment Network,
wesTCORE,
MLGW,
Exchange Club,
Commercial Appeal,
Job Corps,
University of Phoenix,
Project Return,
Regional Resourceful Development Services,
The Med,
Wells Fargo Bank,
A One Staffing,
Memphis Education Association,
City of Memphis-Brack Henderson,
Attorney- Debbie Fontaine,
Kight Law Firm,
The Women’s Foundation,
Black Business Association,
Tri-State Defender,
Jarvis Greer- WMCtv,
Tammara Shepherd- WMCtv,
Alex Coleman- WREG,
Memphis/Shelby County Crime Commission,
Memphis Challenge,
A Hand Up- Not a Hand Out,
Volunteer Mid South,
Veteran’s Administration- Yolanda Lacy,
Families of Incarcerated Individuals,
Clear Channel Outdoor,
Methodist Lebonheur Healthcare,
Memphis Union Mission,
Rodger Watkins- Century 21 Realtors,
Joe Birch- WMCtv,
Rachel Beede- WMCtv,
Memphis Health Center,
Dress for Success Memphis,
Blues City Cultural Center,
Salvation Army,
Marian Baron- Baby Boomers News,
City University School,
Nika Jackson-City of Memphis,
Hope House,
Nicholas Burchett- Fox 13,
Regina Thomas- Fox 13,
State of Tn- Marchello Middlebrooks & Anna Green,
St Bernard Project,
YMCA- Donnie Malone,
BBYO,
Bridges- Letitia Robertson,
Nia Appling –First South Credit Union,
Citadel Broadcasting- Baton Rouge and Memphis,
Memphis Symphony Orchestra,
Strayer University- Mischelle Best,
Memphis and Shelby County Planning and Dev,
Meritan,
Agape,
Southern Heritage Classic,
Fed Ex-,
Michael Underwood,
Rodericka Thompson,
Pamela Alexander,
Qualice Seymour,
Christophe Hampton,
Demetrius Holt,
Willie Brooks,
Folk Alliance,
Reparations Now- Orlando Matthews,
Vintage Realtors- Dianne Johnson,
The Med,
Labor Department- Mike Edwards,
G. Green Law Practice,
EEOC- C. L. Tim Williams, and
Yvonne Howard- United Way of the Mid-South.
Community Enhancement- Job Creation for the City of Memphis
OUR NATION'S ROLE MODEL- Visions of the Future Memphis
By Alisa R Harris of Job Creation Foundation 901.326.2683
1. Close your TANF case and Volunteer to Receive Stimulus Checks up to
0 based on your household size with the Mayor's 100 Hours In-Kind
program.
2. Participate while in jail with institutional jobs (20 to 50 cents per hour)
3. Fund raise with your school, church, or youth organization in our
Jobs 4 Teens program.
4. Job referrals and guaranteed job offers from Corey Miller Food
Foundation. Preference for felons, food stamp recipients, and homeless
persons. Apply to coreymillerfoodfoundation@gmail.com.
5. City-wide job fairs where residents can get rid of old junk for easy cash.
6. COMING SOON- Ford Barber School (kit and uniform included with Pell Grant).
7. If you close your food stamp case and volunteer to do your
community service with the City of Memphis we will match your food
stamp amount with cash bonuses on the first of every month.
8. These job programs will save the City of Memphis over 0 Million.
9. Area Community Centers will have mock elections for area mayors who
band the citizens together to raise the children of the area. This is
the Ford Heirs program.
10. The mayor's office is committed to providing the citizens with
self sufficiency referrals that will link them to government agencies,
churches, and non-profit organizations in the city to help them. (WIC,
commodities, farmer's market, soup kitchens, food pantries, #211,
etc.)
11. We will continue to support Backpack for Life to feed
underprivileged children every weekend and plan community (city-wide)
pot lucks for all ages.
12. We will provide FREE TRANSPORTATION for students linking area
community centers with area libraries (plus area parks in the
summertime).
http://www.youtube.com/user/Cristhiansoc#grid/user/9DA930A61B5BC488
ELECT ED FORD, SR FOR MEMPHIS MAYOR 2011
ALISA R HARRIS CHURCH
at Memphis Public Library – Whitehaven Branch
4120 Mill Branch Road
Memphis, United States
Olympia iTTL leads group
Event on 2012-05-17 07:30:00
We meet every Thursday from 7:30AM until 8:30AM
What is iTTL? A Referral Groups Organization? Yes….AND so much more!!
i Take The Lead is a different leads group organization. Check us out at www.itakethelead.com, click on the “How we are a different leads group organization” tab and “about us” tab. Beyond that…….
*We offer educational seminars around town. Some examples are: Social Networking- Linked In, Twitter, etc; NLP- what is it?; your Killer Elevator Speech; etc; www.itakethelead.com Events…then Denver for the entire list These are normally FREE.
*Speed Networking gives another opportunity to network. These are FREE (good price). Find out what all the rage is about. Why pay up to when you can join us for FREE!?!?!!?
*Quarterly events – all of our local iTTL leads groups meet once per quarter. (Guests are welcome!)
*Lead With Heart- we give back to the community, food baskets for families in need. We are a company with a heart and we prove that with these great acts.
*Mixers- We periodically hold…
See the full event details at http://www.meetup.com/Business-is-Booming-in-Seattle
at Insurance Plus
2008 Harrison Ave NW Ste 102
Olympia, United States
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Philadelphia, PA (PRWEB) May 17, 2012
Starting a medical practice requires specialized business and legal knowledge?areas generally not included in medical school curricula. Physicians are smart to be fully informed about legal issues, insurance, billing, marketing and finances. Then, once the practice is up and running, the medical practice will need to manage staffing and human resource issues.
Practice Basics and Human Resources?two new modules added to the American College of Physicians? Medical Home Builder online tool?address these critical issues. These additions to the popular online practice management tool from the American College of Physicians (ACP) are designed to help doctors successfully start (or expand) their practices and navigate the basics of human resource issues for clinical and administrative staff .
A robust, yet easy-to-use, self-paced online tool, Medical Home Builder 2.0 enables clinicians and their staffs to measure and?where needed?improve patient care, office procedures and procedural workflows.
?Managing a successful medical office in today?s world requires sound business and management skills in addition to the necessary clinical training and education,? said Dr. Michael S. Barr, ACP?s senior vice president for the division of medical practice, professionalism and quality. ?Before physicians can have their questions answered?they need know the right questions to ask. These new modules address the fundamental business and practice management concerns needed to start, or manage, a successful practice.?
The Practice Basics module provides users with the framework for creating a sound practice. Fundamental issues covered include insurance, billing and collections, state and federal regulations, HIPAA, OSHA, Medicare Part D and workers? compensation. Issues related to setting up an in-office laboratory are also covered. Finally, the module addresses the essential, but often overlooked, task of developing a marketing and promotion plan for the practice.
Having the right people doing the right job at the right time is critical for any successful organization or medical practice. Important federal and state regulations apply to the management of clinical and administrative staff as well as generally recognized best practices. Unfortunately, many practices are either unaware of the regulations or mistakenly believe that good office communication can replace a formal review process. The Human Resources module covers federal employment regulations (state-by-state laws are not included) as well as proven personnel management policies.
?Many new offices do not spend enough effort on complying with applicable federal and state regulations or on establishing basic policies and procedures to guide office operations and personnel management,? explained Michael Barr. ?The recruitment and retention of qualified staff are essential parts of building a high quality, patient-centered practice.?
This module includes links to information about many of the federal regulations regarding employees as well as practical articles and sample job descriptions, policies and procedures templates and other information needed for personnel management. It includes information for the employment of both clinicians and staff, including compensation and benefits.
Many of the resources provided in the Practice Basics module were identified by the ACP Council of Young Physicians based on the needs of residents going into practice.
Medical Home Builder 2.0 users are part of an online community of practices that are committed to improving patient care and office operations. Not every practice using Medical Home Builder is planning to become a recognized medical home?but all find value in the variety of modules available and guidance provided. Each person in participating practices has access to all of the content in the Medical Home Builder including the self-assessment questions, peer-to-peer videos and a community discussion forum where questions can be posed to colleagues. For more information, visit http://www.medicalhomebuilder.org.
About the American College of Physicians
The American College of Physicians is the largest medical specialty organization and the second-largest physician group in the United States. ACP members include 132,000 internal medicine physicians (internists), related subspecialists, and medical students, residents and fellows. Internists specialize in the prevention, detection, and treatment of illness in adults. Follow ACP on Twitter and Facebook.
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Get Your Life Secured With
Get your life secured with a good insurance coverage
Article by Insurance Articles
Get your life secured with a good insurance coverage – Insurance – Health Coverage
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In life everyone experiences changing episodes. These can be good or bad. The bad changes can come in any form. To cope with unfavorable circumstances people take the help of insurance coverage. But while doing so people generally forget about the health security. The health ailments can be source of great difficulties. So it is essential to be prepared for it as well. Ignorance in this regard can lead to complicated situations in future. Considering this condition, buying a mediclaim policy would be sensible decision.
The increased cost of living has made it difficult for people to afford the quality health treatment. The health care expenses have raised their bar. When hampered upon by any illness, people get worried before going to any medical specialist. It gives them a threat of expensive treatment cost. To relieve people from this stress, medical insurance coverage is the most suitable option.
Whenever people think of purchasing a health cover, the preference is to buy the best plan. Today it is easy to fulfill this need. Medical insurance policies are available in abundance in the health insurance sector. Adhering to the personal health needs you can select the plan of your own choice.
Health insurance plans are meant to help people avail basic medical care needs. It becomes a weapon that safeguards the person from the huge burden of medical bills. It is only source that can provide the financial security to the policy holder that is of great help in case of any health emergency. Thus it is essential to choose a good insurance coverage plan. It will incorporate several wide ranging benefits that can make the medical care easy and affordable for people. It has been depicted by the research that people with a medical cover enjoy a healthy life and lives longer as compared to the uninsured.
Insurance coverage becomes the foremost need of today. The high medical cost makes people face intricate situations. People can avoid the various means that can result in health disorders. But sudden health mishaps generate the urgent medical care need. In such situations it is difficult to avoid the health treatment. Majority of people get mentally stressed thinking about the compensation to be made to meet the hospital expenses. The person can receive the medication even without an insurance coverage. But it will result in losing hold on one’s budget. It has been witnessed that majority of people either end up spending a major part of their savings or have to compensate with the quality of treatment. In both the cases the individual have to suffer in one or the other way. As opposed to this a health insurance plan entitles the policy holder to best health treatment in time of need. He/ she can receive the best medication from the medical expert of the best hospital in the city. Devoid of any tension about the bill payment, the person can sit relaxed with peace of mind.
The uninsured try to avoid the any visit to the doctor due to the threat of associated expenses. It leads to the sickness growing and worsening the condition. Then it hampers the health of the person to a great extent. However having an insurance coverage, the person need not worry about the expenditures. Rather he/ she can begin with the treatment at the early stage itself, resulting in the person getting cured before the situation gets critical. In this way the insured enjoy the quality treatment without any monetary stress. They do not wait for the illness to grow but conveniently take the medication right in the beginning.
Irrespective of the person and his/ her income level, the health ailments can affect anyone. Here the affordability issue becomes a huge impediment for people. It curtails the path of best medication for many. Hence the coverage of health insurance becomes a necessity for all. It clears away all the hassles paving a smooth way for the quality medical care.
Apart from the monetary coverage, a health cover becomes the provider of various other benefits. They have been formulated to make health care accessible and affordable for people. The facilities like cashless hospitalization enhance the list of benefits. It enables the insured to avail the treatment and walk out of the hospital premises without dealing with the bills. The insured can take benefit of this facility by availing a comprehensive health plan.
People spare money to enjoy luxuries in life. Being involved with it they tend to ignore their health needs. Whether insured or uninsured people take the health cover for granted. They do not consider it essential enough to invest money. However, only through a medical cover the individual can get rid of the risks pertaining to health. It provides a peaceful solution making the life easy for all.
To make it accessible for people at large, the insurance providers have designed cost effective plans. The reasonable premium amount enable people of all income group to enjoy the best health services. The insurance cost is much affordable than the medical expenses in today’s date. They can find a comfortable place in varied budget frames. Unlike the high treatment cost, they take care of the affordability frame of people. In exchange of a reasonable premium, everyone can avail the quality health care.
To enjoy all the facilities, it is important to make the right choice. Before buying any plan, you must study the plans thoroughly so as to ensure the purchase of appropriate health insurance coverage. In addition to that, you also need to be assured on the grounds of the insurance company you are investing with. Apollo Munich carries the mark of trust and reliability by serving people with best health services.
Understanding the health needs of people it formulates the plans that can fulfill the medical needs of people and thus secure their future.
About the Author
I am a business writer with inclination towards sharing information on health Insurance sector.
Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.
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I am a business writer with inclination towards sharing information on health Insurance sector.
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