September 2016

A recent Harvard study concluded that approximately 45 thousand people expire in the United States annually due to their lack of insurance coverage or adequate healthcare. All in all, research has shown that American individuals who have not attained the age of 64 and are not insured are 40% more likely to die, compared to individuals who are insured.

Results of findings came during a time of heated banter in regard to democratic effort to make change to the United State’s $2.5 trillion health care industry and attempts to expand healthcare coverage amongst Americans while decreasing healthcare cost.

President Obama has tagged the healthcare face-lift a top domestic policy priority. However, his plan has been attacked by critics and slowed by feverish congress debate. Since there is so much money involved in healthcare and so much potential for loss, it is certainly not surprising that insurers and healthcare industries are in opposition to parts of the plan.

The Harvard study, funded by a federal research grant, was published in an online edition of the American Journal of Public Health. It was released by Physicians for a National Health Agenda, which favors government-insured or “single-payer” health insurance.

A comparable study in 1993 found that individuals without insurance had a 25 percent higher probability of death, according to the Harvard group. The Institute of Medicine later used that data in its 2002 assessment showing approximately 18,000 individuals a year died because they lacked coverage.

Part of the amplified risk now is due to the growing ranks of those who are uninsured. Roughly 46.3 million people in the United States lacked coverage in 2008, up from 45.7 million in 2007. Unfortunately, our nation has experienced record layoffs and downsizing in recent years. Thus, vaulting the number of individuals who must obtain individual coverage or keep their current coverage through a Cobra policy. Cobra is simply an extension of an individual’s previous health coverage (prior to layoff). However, where the employer would cover 50 percent (or more) of the insurance cost, the individual must cover the entire cost to be insured (upon going on Cobra). It is not surprising that many decide to go without vs. doubling their current cost to be insured.

Another dynamic is that there are fewer places for the uninsured to get satisfactory care. “Public hospitals and clinics are scaling back across the country in cities like New Orleans, Detroit and others” per David Himmelstein (Co-author of the Harvard study) and additional co-author Dr. Steffie Woolhandler alleged that the findings show that without adequate coverage, uninsured people are more likely to pass away due to complications connected with avoidable diseases like diabetes and heart disease.

County hospitals are not known for their speedy service or short waiting periods. In fact, in 2009 a Dallas business owner died while waiting to be seen in the county hospital. The individual (Mike Herera) entered the county emergency room suffering from his recurring hernia problem. When asked to provide his level of pain, Mr. …

If you are currently thinking about starting your own check cashing business, there are things that you first need to consider. The path leading from conceptualization to realization can be a scary and uncertain route, and it is difficult for most people to know the proper steps to take. In this article, we will give you the information that you need to know before starting your own check cashing business.

The first and often most difficult hurdle in starting your own check cashing business is the initial investment. On average, the start-up costs for a check cashing business can range anywhere from $50,000 to $150,000, and unless you have a substantial savings, you will need to have solid credit in order to secure financing. In addition to paying for a location and having funds available to actually cash checks, there are many other expenses that you may not think of initially. For example, you need to figure in the cost of computers, furniture, monthly expenses (electricity, heat, etc.), employees, insurance, rent, advertising, licenses, and fees just to name a few. In addition, by the very nature of dealing with money, a check cashing business needs to have certain security measures in place to keep both your assets and employees safe. This may require hiring the services of a check-scanning company (such as TeleCheck), security cameras, alarms, and special glass to protect your workers. As you can see, your start up investment will play a large role in determining future success.

The second thing that you must do before starting your own check cashing business is to acquire all of the proper licenses and permits. It is advisable that you check with your local and state authorities to make certain that you possess all the necessary documentation needed to operate a business. It is also worth mentioning that you will have to comply with the federal and state government’s usury laws, which are in place to prevent financial outlets from charging exorbitant interest rates.

Let’s say that you have cleared these first two obstacles; what step should you take next? You should now turn your attention towards hiring responsible, and more importantly, honest employees. It is crucial in a check cashing business to hire only the most trustworthy of people, so you should take any safeguard necessary to ensure this. This step should include an extensive interview as well as background and credit checks. Do not rush this part of the process just so you can open up your doors to the public. This is one instance where your patience and sound judgment will definitely pay off, and it could end up saving you a lot of money that could otherwise be lost to employee theft.

Starting your own check cashing business is a difficult and involved process. By covering all of your bases and following through on the information provided above, you should find yourself well on the way towards operating a successful and profitable check cashing business.…

Quite a few people have written to me asking how to use Reiki to bring abundance, prosperity and/or

financial success into their lives. This article is a somewhat shortened version of my blog entry on this

matter. Please click on the link below to read the longer version.

I’m going to present a few ideas for using Reiki to achieve abundance, prosperity and/or financial success.

But before I do that, I want to mention that this is one area where Reiki and Feng Shui go together very

nicely. Many books on Feng Shui specifically tell you how to set up your environment to encourage abundance and prosperity.

I do want to acknowledge something before I continue my discussion. To some people, speaking of Reiki and money or Reiki and financial success in the same breath makes them cringe. They view Reiki as pure Love, a spiritual calling, and to introduce the idea of money into the sacred realm of Reiki is abhorrent to them. If that is your viewpoint, I completely understand and respect your position. I have known healers in many fields who have felt the same way.

But I am a bit more of a pragmatist and a realist. I recognize that we need to make a living and we need to support our families. Even more importantly, I realize the negative effects poverty and monetary insecurity can have on us.

When a person feels financially uncertain, even endangered, that person may find it very hard to pay attention to the spiritual aspects of his/her life. If someone has so much financial worry, thoughts of “How will I pay the bills?” and “Will we lose the house?” may occupy so much of that person’s energy and time that they can scarcely think about things like helping others heal.

Does this mean that poor people and people with financial difficulties can’t be spiritual and can’t help others heal? Of course it doesn’t mean that. However, survival issues can become paramount, and for many, many people, these issues interfere with their ability to give any of their energy to spiritual and healing issues. We are all human, with a limited amount of energy and resources available to us at any given time.

But beyond this, I don’t believe there is anything inherently wrong in the desire for abundance, prosperity

and financial security. We live in a world that is run by money; that is the reality we live with, no matter

how much we might wish it were otherwise. Without sufficient money, we are in deep trouble! When we have sufficient money, we can turn our attention more easily to helping others.

Everyone has to define what the term “sufficient money” means to them. For example, I am not fond of the idea of using Reiki to win the lottery, or to win at gambling. Frankly, I don’t like the energy of gambling, because so many people’s lives are ruined by gambling.

Having said that, however, I leave it up …

Have you ever wondered what goes through the minds of individuals who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car Insurance? I think about it all the time. The truth is that there’s no real way to ever know who has insurance and who doesn’t have insurance until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio driving or in court. Yes, I said court. You would be surprised of the responses someone gives a judge regarding not having car insurance.

One of the top excuses to not have car insurance is the mindset of not getting caught. If you have been in the car with someone without insurance you can normally tell by the way they’re driving. They are constantly looking in the mirrors, slowing down to avoid attention when they see a police car. As a car owner you should know that most states require drivers to have the states minimums for bodily injury and liability coverage to drive legally.

Another excuse is that their car is a piece of junk so no insurance is needed. Well, rather you think your car is junk or not they realize it or not the car gets you from one place to another. So, protecting your car is worth it. After all, working hard to purchase the car should give you the desire to preserve it? Just imagine your life without it. At the same time all vehicles require insurance no matter the condition.

You might hear someone say I have my own medical insurance and that should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it most people take out the bare amount of coverage on their jobs due to price. Do you realize when you’re in a car accident there are other cost involved? Will your work insurance pay for the ambulance expenses? These expenses can add up if there’s more than one car involved in the collision and it’s your fault. If you know you have the bare amount of coverage go ahead and get a quote for insurance that offers medical. That will give you one less thing to worry about.

I will never get sued is another saying people think is a reason to not have coverage for their cars. We live in a lawsuit happy society. People will sue you over the smallest of things and win because the either know the law or have a great lawyer. I learned from a popular movie that with the legal system that it’s not about what the crime is but rather what you can prove.

I got luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalized, …

Men cease to interest us when we find their limitations. The sin is limitations. As soon as you once come up to a man’s limitations, it is all over with him.

Emerson

In today’s society, personal and group ethics shape the value formation in organizations. Ethics and organizational culture can impact the success of an organization in the following ways: (a) group cultures influence ethical behavior more than the sum of their individual ethics, (b) ethic reasoning is a logical sequence where policies come last, making policies the result of ethical reasoning, not a substitute for it, and (c) ethics and culture gaps can only be reduced by preventing their root causes at the beginning of the process. Ethics in organizations are influenced more by the group ethics system (culture) than by the sum of the individual personal ethics systems.

Ethic plays a critical role in leadership. Ethics is defined as the code of moral principles that governs the behavior of a person/group to what is right. People will not respect a leader low in integrity. A leader can’t trick them with promotions or bribe them with money. In the long run, character does count in an effective organization. Draft, an organization management expert, explains that leaders at the highest management levels develop internal moral standards that can often allow them to break laws if necessary.

A leader’s unethical conduct brings about his own demise and shame of his organization. Therefore, it can be shown that effective leaders must have accountability mechanisms in place so that they won’t hit any ethical mine fields. Can you imagine what happens in an organization without accountability?

Each individual brings their own personal beliefs into the workplace. Leaders are not the exception. An individuals family background, traditions, spiritual values, and experiences impact how the make moral decisions. At the medium development point, individuals learn to conform to the expectations of moral behavior defined by their peers and society. Most leaders at this junction are willing to following laws and society expectations.

However, the highest levels of value formation are individuals who develop their own internal set of standards. Therefore, these individuals develop their own ethical principles that become more important in their decision-making than any external expectations. This high arching principle allows them to make unethical decisions, such as break laws or compromise organizational values, because it allows them to sustain their moral principles internally. Obviously, values will continue to play a critical role in organizational development in the future.

References:

CNN (2005). Reid: White House owes an explanation. Received on October 31, 2005 from http://www.cnn.com/2005/POLITICS/10/30/leak.probe/index.html.

Ciulla, J.B. (1998). Ethics: The Heart of Leadership. Westport, CT: Praeger.

Draft, R. (1995). Organization Theory & Design. Congress gets low ratings on ethics, honesty.

Harris, J. (April 12, 2005). In recent scandals, a rethinking of capital’s conventional wisdom. Washington Post.

Heuser, B. (2005). The Ethics of Social Cohesion. Peabody Journal of Education. 80(4), pp.8-15.

Kern, C. (2003). Creating and Sustaining an Ethical Workplace Culture, Pepperdine University.

King, …

If you are wanting to understand and heal your grief, if you want to find new purpose and happiness in your life “Teddy Bear Doctoring” is not your best option. Healing from horrendous grief and loss requires much more than sticking a thermometer in a Teddy Bear and playing doctor.

When faced with dreadful grief “what to do” and “how to do it” are gigantic questions. As you mourn you feel torn apart; you have special needs. You feel helpless and indecisive and hope is fleeting. I am truly sorry for your sorrow and loss.

Reaching beyond Teddy Bear treatment for grief relief requires other more beneficial care. Important action-oriented tips will help you move beyond your grief and loss and find new peace and joy.

Seek Valuable Support

It is my sincere hope that you have available the very best support from others. As you begin to work through your sorrow you will find the need to seek and accept support. In addition, you must be compassionate, and true to yourself, to begin nurturing your healing journey.

Reconcile Your Grief and Heal

Reconciling your grief is necessary for the healing is in the reconciling of your loss and sorrow. Having the courage to care for your personal unique needs will help you discover the new you and begin a fullness in living a happy life.

Your Best Alpha Actions

Certainly, horrendous grief and sorrow bring volatility into one’s life. Unwanted and often unexpected grief and loss happenings highlight how volatile your personal life can be. In order to stop grieving and start healing, first order of personal preference should be your best alpha actions. To maximize your inner happiness, peace and empowerment to heal, your alpha must be your preferred actions.

Your alpha actions should lead you from sorrow and misery to happiness, peace and a fuller life. Decide what alpha actions should lead you from sorrow, misery and loss to happiness, calm and joy. Turning grief, loss and sorrow into healing moments – one transformation breakthrough at a time – should be your true alpha challenge.

Begin Today

“To get up each morning with the resolve to be happy is to set our own conditions to events each day. To do this is to condition circumstances instead of being conditioned by them.” ~Ralph Waldo Emerson

Some wait thinking if they hibernate that in the spring they will arise and be healed. Although it may be necessary for you to take a brief hiatus from your devastating sorrow and loss, simply waiting is not a useful option. You must be proactive in your efforts to find new happiness. Take time today to brainstorm all the things you think you can do to bring happiness and peace into your life. Take time to write down the four actions or steps you could take to move to a better place in your life. Decide which if those steps you will take here and now.

You Are Stronger Than You Think

“When …

Insurance coverage is some of the best tools available when it comes to risk management. Understanding 3rd party car insurance is essential if you wish to learn about the pros and cons which go along with it. This article will talk about the definition of third party auto insurance as well as the pros and cons that come with it.

Understanding 3rd party car insurance

Third party auto insurance is also referred to as liability coverage. These terms are used to describe a kind of insurance which will pay out a certain settlement to 3rd parties if your vehicle should be involved in an accident. Many countries have laws in place which state that is the minimum quantity of insurance coverage that all car owners need to have. This is because 3rd party car insurance will pay for any and all damage to a third party’s property that is a direct result of any sort of accident involving your automobile.

Various insurance providers have different deals available with regards to 3rd party vehicle insurance. It is up to you to determine which package and just how much coverage will be the best choice. If you choose a low amount of coverage then you may find yourself in a situation where your insurance policy doesn’t cover all costs related to damage to a third party’s property. However, high coverage limitations can cost you a great deal more in monthly premiums.

The Pros Of Third Party Vehicle Insurance

The biggest pro of getting third party vehicle insurance coverage will be the proven fact that you would be financially protected in the event that you are liable to pay for damage inflicted to another’s property as a result of an accident. Your insurance company would settle the total amount owing. If you did not have third party insurance you would then be taken to court and would need to pay for all damage from your bank account. Many people don’t have this kind of cash readily available.

The Disadvantages Of Third Party Automobile Insurance coverage

There’s truly only one notable disadvantage or downside when it comes to third party insurance coverage. This is the fact that many car owners feel like they are paying for something they will never make use of. Actually, numerous car owners are lucky enough never to require this insurance coverage. However, one cannot know when something like a collision or car crash will happen and therefore, you always need to be prepared if you wish to safe guard your own financial situation. In the event that a separate 3rd party car insurance policy is working out to be too costly every month then you should consider shopping around for an umbrella policy. These policies are comprehensive and are made up of some different types of insurance policies but because of the fact that you are opting for a package deal, you’d benefit from a huge saving.

The advantages that come with 3rd party car insurance policies far outweigh …

Are you in need of money? Perhaps you just want more money. Either way, you might be considering asking a lottery winner for money. If so, you would probably go about asking in different ways, depending on whether or not you actually know the person.

If You Know The Lottery Winner

Let me tell you a true story about two women. These two women were best friends for many years. For one reason or another, they drifted apart and didn’t see each other for a few years. Then one of the women won the lottery. It was a massive jackpot worth hundreds of millions of dollars. A few years after she won the lottery, she re-connected with her old friend. Within days of re-connecting, the one woman told the jackpot winner that she had $50,000 worth of medical bills that she just couldn’t pay. Read between the lines – She was indirectly asking for money.

The jackpot winner was more than happy to pay the medical bills for her friend. She told her to just give her the bills and she would take care of it. That would have been great, except that there actually were no medical bills. It was just an excuse for a reason to ask for money. The lottery winner didn’t like that. If the friend just straight out asked for the money, she probably would have given it to her. But her friend lied and insulted her intelligence.

What’s the moral of this story? If you have a friend that won the lottery, don’t come up with a false story to try to get some money. Rather, just ask you friend straight out to give you some. They just might do it.

If You Don’t Know The Lottery Winner

If you’re planning to ask a lottery winner that you’ve never met for money, you should know up front that the odds are against you. A lot of lottery winners, especially new ones that win massive jackpots get inundated with requests for money. Often, those requests come via sob stories that tug on the person’s emotions. You should know that these new lottery winners quickly become immune to these requests and tune them out.

So if you’re planning to ask a stranger for money, don’t come up with sad stories. Just like in the previous example, tell the truth and just say that you’d appreciate it if they could spare some money. They’ll more than likely decline your request, but don’t take it the wrong way – Jackpot winners can’t give money to everybody that asks them for it. Just make sure that you don’t harass anybody while asking them for money – That’s illegal.…

What is the SEBI?

SEBI, which is a revision for Securities and Exchange Board of India, which has functions similar to the SEC or Securities Exchange Commission in the USA. In other words the SEBI regulates the working of the financial markets in India, vis-à-vis investor protection and laying down of ethical standards for the working of the financial markets in India. This is why SEBI is also called as the watchdog of the Indian Markets. There have been many instances where SEBI has acted in the interests of the investor by preventing insider trading in various companies in the equity markets. Similarly there have also been cases when SEBI has acted in the interest of the small investor in the Mutual Fund Industry.

What is the mutual fund industry?

The origin of this industry in India is with the introduction of the concept of a mutual fund by UTI in the year 1963. Although the growth was slow at that time, it accelerated post 1987, when the non-UTI players entered the industry. Not everyone can time the equity markets as well as some investors do. For the benefit of those unfortunate investors who can not, there is the mutual fund industry. This is an instrument which invests in equities on behalf of the individual investor so as to maximize his gains. A mutual fund is a vaulted of equity investments which are done based on exhaustive research and development. This research and development is carried out by the asset management companies of the mutual funds. They are also called as AMCs. The product portfolio of these funds contains investments in equities which would yield good results over a period of time. The mutual funds are rated by various rating agencies. This rating is carried out by the agencies like CRISIL, etc. These funds tend to hedge the risks for the individual investor so as to minimize his losses. At times they may also concentrate on one particular sector.

Role of SEBI

The SEBI was first established in the year 1988. At that time it acted as a non-statutory body for the regulation of the securities market. In the year 1992, it became an autonomous body with independent powers. Through the passing of an ordinance, more powers were given to the SEBI. Now it independently regulates the securities markets with its independent powers.

The main objectives of the SEBI are as under:

  • Develops the securities markets
  • Promotes investor interest.
  • Makes rules and regulations for the securities markets.

As far as the functions of SEBI are concerned, it follows the following functions:

  1. Regulates the securities markets.
  2. Checks trading of securities
  3. Checks the malpractices occurring in the securities markets.
  4. Enhances investor knowledge, with regard to the markets by providing education from time to time.
  5. Regulates the stock-brokers and sub-brokers
  6. Promotes research and investigation.

SEBIs introduction of the SEBI (Mutual Fund Regulation) 1993 was established to have direct control over the mutual funds for both the private and the public sector.

2 CASES

‘Evil ways of making money–what the rich won’t tell you’ declares that you need not be physically aggressive to make millions. You just have to be emotionally aggressive.

People who use their fist to get their way always end up charged with rape, thief, and all round fraud. Their bestiality makes them poor and unhappy. But those who have intense deceptive emotions look innocent but deadly. They are charming polite people intentionally presenting an exterior of innocence but they are exploitive. Their crime is not a crime though it could be a sin. They are not stealing, but borrowing, only that they won’t give it back.

The book is a practical and profitable money making guide that looks at the world of deception, corporate racket, and shows that there is hardly any activity, any enterprise of the super rich that is not tingle with evil. The rich have embraced the biggest risk that the poor dare not venture. Righteousness is seen as a tie and a hindrance hence the more honest you are, the less likely you will be rich. Frankly, there’s no way, on the basis of your salaries and allowances from the day you graduate, that you can be a millionaire, least a billionaire. It is impossible, except by embezzlement.

Poverty is the greatest illness man has ever suffered from. If you are fed up with poverty, you need to delude others, play on the ignorance of financial institutions, utilize the weakness of the law, create an illusion, bribe your way, and manipulate anything and everything to your advantage. It’s a never play by the rule, never pay in cash, never tell the truth game. You must genuinely and sincerely fake honesty. Have no conscience, no guilt, no sense of remorse, for money is made with debt, tax games, paper shuffle, arrogance, and wild and unpredictable swings.

Don’t waste your time building your resume, download the book free at [http://www.oxcheck.com] and learn the trick that works for achievers. When you read this work, your only regret will be that you didn’t see it early.…