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Tax Implications of the Affordable Health Care for America Act

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

The Roni Deutch Tax Center is one of the nation’s hottest income tax franchise. Income tax preparation is a recession resistant industry. Learn more about this new tax franchise opportunity today.

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Benefit yourself with unique and affordable healthcare programs

Unfortunately, these days most of the people are not able to afford the high cost of medical treatment. The cost of hospitals, medicines, doctors and treatments are very high. Even with insurance, the cost and issues dealing with the insurance companies, filing claims and navigating confusing policies can be a headache in itself. There are companies that can provide you with headache free, affordable insurance while still maintaining an excellent level of coverage.

Are you looking for one of the best credentialed providers that offer excellent healthcare programs? If so, then NBBI (National Benefit Builders, Inc) is your answer. NBBI is a wholesale benefits marketing company and specialize in providing unique healthcare saving programs.

This company is founded by Kevin Faherty and his expert team in 1991. Kevin Faherty of NJ is the CEO of NBBI. He was also the past president of Mutually Preferred PPO network in New Jersey and Group Insurance Association of New York. Kevin has been in the health insurance business for more than 39 years and also spent 17 years as the manager of underwriting for group life and health in New York.

Drawing on their decades of knowledge and experience, Kevin Faherty and his team offer a wide variety of value-added programs for various markets including Employers & Employees, Insurance Carriers & Managed Care Organizations, individuals, Associations & Affinity groups, Unions & Labor organizations, Financial Institutions, Credit units and much more.

The NBBI suite of programs and products is uniquely designed to provide maximum savings, affordable and comprehensive value-added benefits for both underinsured and uninsured. They designed their products to be utilized as direct to employee, consumer and affinity platforms that requires little or no administration. Some of their main products include AmeriDoc, Lifestyle Benefits, Discount Medical, Discount Dental, International Healthcare, HealthAfford and much more.

They are for-profit company and have got an A+ rating from BBB ( Better Business Bureau). They also provide Community assistance and outreach programs. Their main goal is making healthcare more affordable to the public.

The company also leases its networks to marketing insurance companies, organizations and TPA (third party administrators) on a wholesale basis. Kevin Faherty of New Jersey and his team believe in doing fair business. They actively monitor their clients’ website to ensure that their clients promoting and marketing their networks honestly.

To learn more about these excellent programs, you can either call or visit their website.

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Natural Health Care Products Best To Buy Health Food Online

Maintaining a sound health can now be achieved by using natural health care products like organic food and natural skin care products. These products were used as a regular practice in the olden times. Natural health supplements are also used widely in place of usual medicines. At present, lots of people from different corners of the world are using alternative medicines than allopathic medicines. It is true that allopathic medicines have various side effects and treat symptoms and mask them, rather than treating the root causes of diseases.

Certainly, commercial products work faster than natural health products, or that what it appears to be, but in the long run it is best for your health to switch to natural health care products – organic food and natural skincare. Doctors are also opening up to the power of natural products and recommend them to patients who are looking for a permanent remedy. A lot of times, people complain that its not easy to get quality natural and organic products in the stores near them. But today, purchasing these natural, healthy and organic products is becoming easier. The rise of the online medium and ecommerce has been a boon and people can now buy health food online, right from the comfort of their home. All they need is a credit card or a debit card. Some websites are providing cash on delivery through which buyers can purchase natural health products online.

Some of the most extensive health care practices that anyone can profit from are deep breathing, using reflexology and acupuncture and of course yoga. All of these have zero side effects. Moreover, they require minimal investment. With a bit of sustained efforts, one can definitely heal from their health issues. These days, if you buy health food online from a reputed website keeping reputed brands, you can be quite sure that you are buying quality products that will be free from any unsafe, synthetic chemicals. In fact, if you are serious about your health and have a desire to buy natural health products, you dont even need to step out of your house – just buy health food online because it is fast, 100% reliable and exactly what a lot of Indians are doing already.

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Benefits of a Healthy Lifestyle

Most people start their new year with goals to get in shape and maintain a healthy lifestyle. Unfortunately, similar to most resolutions when you are trying to maintain healthier habits, this might only last for a few weeks or months and then its back to the old ways. The following are some of the benefits of a healthy lifestyle that will help to motivate you to stay track.

To begin with, you can learn how to enjoy delicious meals again. At times, most people spend a lot of time just eating the fast food meals and will completely forget how real food taste. You can restore your taste buds with fresh vegetables and fruits, olive oil, herbs and spices and so on.

When you are not exercising and eating the right food, you will feel guilty all the time. But, if you are maintaining a healthier lifestyle this will remove all the guilt feelings.

You will definitely love the fact that you are able to shop for a pair of jeans or dress that you are wanted to wear for the longest while. This is because when you are in good shape and you are maintaining a healthy lifestyle, your clothes will start to fit much better.

Drinking a lot of water and eating fresh food items will enhance your skin tone. When you have healthy, moist skin because of proper nutrition this will prevent you from having creased or wrinkled skin. A good nutrition also indicates stronger and healthier nails and hair.

When you are overweight or obese, most of the stares will not be positive. But, when you feel and look good, this will result in the kind of stares that can make you proud.

If you are living healthier lifestyle, this will mean fewer visits to the doctor, lower premiums for health insurance and less need for prescription drugs.

A healthier lifestyle will improve your chances of seeing your children grow up to give your grandkids. Besides that, you will get to grow older without much health problems. If you are exercising and eating right, this will help you to age gracefully, stay healthy for a longer time period and suffer from little or no problems related to old age.

Overall, when can enjoy some of the benefits of a healthy lifestyle this will improve your quality of life. This means that you are lighter in weight and will feel better to do some of the things that will enable you to enjoy life. Whether you love to visit amusement parks, enjoy scuba diving, traveling or just your regular task at home, when you are in excellent health it will be easy to do anything you want

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Health care in Haiti a battered system is dealt another blow

When a powerful earthquake struck Haiti on Tuesday, many of those injured by collapsed buildings lay in the streets pleading for help. Even for those with open fractures and head injuries, there was little else they could do.

Haiti is not prepared to handle disaster.

By every measure, it’s the poorest country in the Western hemisphere and it has a health care system to match.

There have been improvements in overall life expectancy and infant mortality, and vaccination programs have helped largely eradicate some diseases like polio, but the country remains desperate for affordable health services. What few services existed declined in the last two decades because of political instability.

The country spends less than $85 per person on health care every year, and much of what is actually delivered is done by a patchwork of agencies from around the world.

Haiti has a public health crisis, according to Mdecins Sans Frontires (MSF)/Doctors Without Borders, one of several foreign medical aid groups that operate free emergency health services in the country. MSF’s own clinics are often overwhelmed by people who can’t afford to pay for private care. Public hospitals and clinics are plagued by management problems and shortages of medications, says the organization.

“The reality of what we are seeing is severe traumas, head wounds, crushed limbs, severe problems that cannot be dealt with with the level of medical care we currently have available with no infrastructure really to support it,” said Paul McPhun, operations manager for the group’s Canadian section. The country’s health indicators are grim. The average life expectancy is about 52, and Haiti has the highest infant and maternal mortality rates in the region.

More than 138,000 children under five die of preventable diseases every year, and women routinely die terrible deaths in childbirth because they live too far away from medical help, in rural areas without services or simply can’t afford to pay for services.

UNICEF says that out of every 100,000 live births, 670 women died of pregnancy-related causes in 2006. That’s five times the Latin American average.

Diarrhea, respiratory infections, malaria, tuberculosis and HIV/AIDS are leading causes of death. There is poor sanitation and increasing malnutrition, brought on by growing poverty.

In rural areas, only 14 per cent of residents have adequate sanitation, and most rural Haitians lack even basic health care services.

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Healthcare Risk Management Certification Options

Risk management in the healthcare industry is essential to ensure the safety of the patients and reduce liability for the institution. Research shows that even now, administrative mistakes and medical negligence still causes many grievances and disputes leading to legal battles.
Devising a good risk management programme and implementing a more strategic approach can save the company a lot of money. When a company is unable to put into practice methods to manage risk, valuable resources may be lost. To achieve and benefit from risk managements procedures, healthcare institutions must fully inform and support their leading managers to be completely aware and proactive in integrating risk thinking into all aspects of their work whether it is in operations, development or performance management.
There are minimum standards for healthcare institutions that have been agreed upon by government bodies to ensure the safety of the patient. However, there are still many cases of malpractice and medical negligence. A strategic and comprehensive risk management programme will aid in greatly reducing these unfortunate occurrences and protect all who work within the institution. It will also improve the standard of the care that is received by the patient and enhance the organisation as a whole helping towards creating a self sufficient business.
For those who already work in healthcare or are interested in a career in this field, there are many sources for you to gain a better understanding of benefits of risk management. There are courses offered by universities that cover extensively topics including standards of healthcare, governance of the Health Care Organisation, general risk management, federal and state laws and ways to integrate patient care with enterprise risk management. All these various aspects need to be taken into account to create a comprehensive healthcare risk management programme.
Various online courses may also be taken advantage of to develop your skills if you already in the healthcare sector. Most of the time, these courses are affiliated with a university and offer recognised certification in risk management. Students who are interested in a career within the healthcare industry can also use this to explore their opportunities in this lucrative segment of the healthcare industry.

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Day care centers – first step towards the healthy bringing up of your child

Kids are your most valuable possessions. Nourishing them with utmost care becomes your primal duty right after their birth. A healthy atmosphere ensures a happy and satisfied upbringing of your children. In the growth years, kids tend to adopt and absorb whatever they see; therefore, it becomes very important to maintain a good environment around them. A childcare center that appoints friendly and responsible professionals is a great source of appropriate and healthy mental growth of your child.ld.

In a reputed Child Care Benbrook TX, you can rest assured that you kid will be properly taken care of. A good child care center keeps your child entertained and fed with interesting children’s activities and healthy meals. They make sure that the activities the kids follow in their center are growth stimulating. Also, many academies provide pre-school training to your kids where they cover topics such as phonics, learning, words, letters, and recognizing numbers. They incorporate work with play in such a manner that children actually do enjoy the activities while unknowingly learning new things every day.

Such Day Care Center Benbrook TX handles the responsibility of feeding quality food to your children. They make sure that your child is eating well. At highly advanced centers, they follow a child-approved menu that incorporates all the nutrients required for the proper growth of your child. The size and proportion of the food is specially taken care of so that you child neither turns obese nor malnourished.

Especially for working parents, child care centers serve as great help. Parents can work without worrying about their kids while they are being properly taken care of in a healthy atmosphere. Kids eat and learn better in the company of their friends who belong to the same age group. There are additional benefits of sending your kids to Pre School Benbrook TX. Kids become bolder and more communicative when they meet a lot of people every day. They shed their shyness once they are admitted to a good child care center. Their fear of communication vanishes when they talk to a number of people every day. The true molding of their character occurs in the healthy environment that a day care center provides.

Be sure to get your kid admitted in one of these day care centers once they grow up a little. Their professional staff takes care of the proper mental as well as physical growth of your child.

Peter Tomar is a professional author and writer. he loves to share his ideas and latest information.For more details visit at: Child Care Benbrook TX.

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How to Maintain Healthy Joints

How to Maintain Healthy Joints*

Joints are where bones, connective tissue and cartilage all come together in your body to promote movement. Your joint support system is responsible for sustaining the area around muscles and bones, where they provide shock absorption and support your internal structure.

There are many ways to encourage healthy joint function, like maintaining a healthy weight and enhancing your diet with well-established joint care supplements like Glucosamine, Chondroitin and MSM.*

As one of the most scientifically studied joint health ingredients available today, Glucosamine is naturally found within the joints, making it the ideal supplement for supporting healthy joints and connective tissue.* Glucosamine comes in two forms, Hydrochloride, and Sulfate, and lubricates the joints to improve mobility and flexibility.* Chondroitin is a naturally occurring nutrient found in connective tissue; in supplement form, it helps revitalize cartilage and support the structural framework of joints.* MSM is a natural form of sulfur, one of the raw materials for collagenwhich plays a key role in promoting healthy connective tissue.* MSM also synergistically enhances the benefits of Glucosamine and Chondroitin to support healthy cartilage.*

Maintaining a healthy weight for your height can help promote healthy joints and comfortable movement, since every extra pound you carry on your frame puts four times the stress on your knees.1

The health of your joints goes hand in hand with enjoying comfortable, easy movement as you age. As of 2006, about 46 million Americans which is nearly 1 in 5 adults have cause for concern when it comes to healthy joint function.2 Additionally, women are more likely than men to have concerns about their joint health; and the likely culprit is wearing high heel shoes. Research shows that wearing shoes with a three-inch heel can put seven times the amount of stress on your joints than shoes with a one-inch heel. 3,4

*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.

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Healthcare Social Media Using All Platforms

Social media is becoming an essential tool in public relations. Public relations practitioners use social media every day to publicize their clients and start two-way conversations. Blogger, Facebook, Flickr, LinkedIn, Twitter and YouTube are all important channels for social media. As a company or organization in the health industry, it may not seem important to be participating and interacting on social media. All too often healthcare practitioners dismiss social media as not being applicable to their industry. Why would someone want to follow a hospital on Twitter? Or be Facebook friends with a pharmaceutical company? There are in fact many reasons that audiences want to connect with those in the healthcare industry on social media platforms. Therefore, healthcare social media is becoming increasingly vital.

In order to develop healthcare social media strategies, companies and organizations must first be present on social media platforms. This means setting up accounts for Blogger, Facebook, Flickr, LinkedIn, Twitter and YouTube. There may be some social media platforms that do not seem like the best fit for your company or organization. The best way to be certain is to see what your competitors are doing. If your main competitor has a YouTube channel then so should you. However, you may not want to rule out a platform for healthcare social media use, even if your competitors are not present on it. This could be an opportunity for you to gain a competitive advantage over your competitors. For example, maybe none of the hospitals in the area have a Facebook page. By creating one and using it effectively, you might be able to reach some audiences that are not being reached through other forms of social media.

Once you have created accounts on all relevant social media platforms, your healthcare social media strategies can begin. Start communicating relevant information and your messages to your audiences and converse with other companies, organizations and individuals in the health industry. Social media is best used when it fosters two-way communication and reaches the most individuals. The health industry has various information that is increasingly important to disseminate out. Receiving this information could make a significant difference in someones life. These audiences are already using social media platforms for their daily lives, which is why it makes sense to connect with them on these healthcare social media platforms. Using all social media platforms to their full potential will increase communication and publicity for your company or organization in the health industry.

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Tips To Choose A Healthcare Insurance Provider

Choosing a healthcare insurance provider can be difficult with the large number of providers in the industry. With health-care costs on the rise, having some kind of health insurance is essential in today’s market. When choosing a regular healthcare insurance or supplemental health insurance, it is important to keep a few factors in mind.

Look at the Network

Most health insurance today is based on networks. Whether the plan is a normal one that provides basic coverage or one that provides Medicare supplement insurance, it is typically based on a network of providers. Before choosing a provider, it is important to review the network of medical facilities that are included. If a network is chosen that doesn’t offer the medical facilities that the consumer wants, the provider may not be the best option to consider.

Plan Options

When choosing a health insurance company, it is also important to look at the plan options that they offer. Some consumers need a health insurance plan that is compatible with a health savings account. Others need Medicare healthcare insurance that they can depend on. Not every provider offers the same options. Finding a provider that offers the correct healthcare plan is essential.

Customer Service

Another factor that needs to be considered when choosing a healthcare insurance provider is customer service. Not every healthcare provider offers the best customer service that is available. When it comes to filing claims and getting things covered when they should be covered, consumers need a company that has their best interests in mind. Otherwise, the experience of the consumer may not be as desirable as he would’ve otherwise liked.

Compare Cost

When choosing a healthcare insurance provider, it is important to consider the costs that will be involved. It is usually in the customers best interest to get quotes from multiple insurance companies at the same time. The consumer will simply have to fill out an application and provide some basic information about the family members that he wants to be included on the policy. At that point, the individual can get detailed quotes from the insurance companies. While it’s not all about price, health insurance can be very expensive. Finding an insurance company that provides premiums that a customer can actually afford are usually one of the top priorities in the search for health insurance. At that point, the consumer can make an educated decision about what policy he wants to buy. After the policy has been chosen, he can start using his insurance to save money on medical bills.