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The United States spends more than twice as much per capita on health care as other rich capitalist countries —around $9,400 compared to around $3,600—and for that money its citizens can expect lives that are three years shorter. The United States spends more per capita on health care than any other country in the world, but 39 countries have longer life expectancies. [...] Under the current US system, rich, insured patients visit doctors more than they need, running up costs, while poor patients cannot afford even simple, inexpensive treatments and die younger than they should. Doctors spend time that could be used to save lives or treat illness by providing unnecessary, meaningless care. What a tragic waste of physician care.
Hans Rosling (Factfulness: Ten Reasons We're Wrong About the World – and Why Things Are Better Than You Think)
My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!
Annette Wise
Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.
Annette Wise
Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.
Annette Wise
Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.
Cash For Cars Removal - How Can It Save You Money?
We aim to provide you affordable & best possible Manatee County homeowners insurance quotes to help you choose best home insurance plan & save more.
floridahomeowners
Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion
Jigar Patel (NRI Investments and Taxation: A Small Guide for Big Gains)
Comparing car insurance isn’t exactly fun, but our experts think it should be simple. Whether you’re looking to beat your current provider’s renewal car insurance quote or you’re looking to insure a new automobile, our simple and easy to use comparison service can save you time and help you find a cheaper car insurance deal. Car Insurance Quote Agency is one of Canada leading insurance and Business Banking brands.
Cheap Car Insurance Boca Raton FL : Auto Insurance Agency
In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines
Jeffrey A. Klick (Pastoral Helmsmanship)
list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.
Debra Doak (High-Conflict Divorce for Women: Your Guide to Coping Skills and Legal Strategies for All Stages of Divorce)
Gather six to 12 months of checking, savings, and credit card statements, and break your income and expenses down into categories and then line items. I have suggested some here, but add your own as needed. Check to see if your bank or credit card company provides reporting that categorizes charges or lets you assign categories—your work may already be almost done for you: •Income—paychecks, interest, dividends, rents, royalties, business income, pension, social security, child support, spousal support •Housing—mortgage/rent, property taxes, HOA dues, insurance •Utilities—gas, electric, propane, phone, TV/Internet, trash, water/sewer •Food—groceries, dining out •Auto—car payments, gasoline, repairs, insurance •Medical—health insurance, doctor/dentist visits, prescriptions, physical therapy •Entertainment—travel, concerts/shows, sports •Clothing—personal purchases, dry cleaning, uniforms •Personal care—hair/nails, gym/yoga, vitamins/supplements •Miscellaneous—gifts, pets, donations •Children—education, activities, school lunches, childcare You can use a spreadsheet or pen and paper to take note of income and expenses as you go through statements, then calculate a monthly average for each item.
Debra Doak (High-Conflict Divorce for Women: Your Guide to Coping Skills and Legal Strategies for All Stages of Divorce)
Driver Behavior & Safety Proper driving behavior is vital for the safety of drivers, passengers, pedestrians and is a means to achieve fewer road accidents, injuries and damage to vehicles. It plays a role in the cost of managing a fleet as it impacts fuel consumption, insurance rates, car maintenance and fines. It is also important for protecting a firm’s brand and reputation as most company- owned vehicles carry the company’s logo. Ituran’s solution for driver behavior and safety improves organizational driving culture and standards by encouraging safer and more responsible driving. The system which tracks and monitors driver behavior using an innovative multidimensional accelerometer sensor, produces (for each driver) an individual score based on their performance – sudden braking and acceleration, sharp turns, high-speed driving over speed bumps, erratic overtaking, speeding and more. The score allows fleet managers to compare driver performance, set safety benchmarks and hold each driver accountable for their action. Real-time monitoring identifies abnormal behavior mode—aggressive or dangerous—and alerts the driver using buzzer or human voice indication, and detects accidents in real time. When incidents or accidents occurs, a notification sent to a predefined recipient alerts management, and data collected both before and after accidents is automatically saved for future analysis. • Monitoring is provided through a dedicated application which is available to both fleet manager and driver (with different permission levels), allowing both to learn and improve • Improves organizational driving culture and standards and increases safety of drivers and passengers • Web-based reporting gives a birds-eye view of real-time driver data, especially in case of an accident • Detailed reports per individual driver include map references to where incidents have occurred • Comparative evaluation ranks driving according to several factors; the system automatically generates scores and a periodic assessment certificate for each driver and/or department Highlights 1. Measures and scores driver performance and allows to give personal motivational incentives 2. Improves driving culture by encouraging safer and more responsible driving throughout the organization 3. Minimizes the occurrence of accidents and protects the fleet from unnecessary wear & tear 4. Reduces expenses related to unsafe and unlawful driving: insurance, traffic tickets and fines See how it works:
Ituran.com
If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.
Zvi Bodie
Universal Life Insurance provides flexible lifelong coverage, combining a death benefit with a savings component that grows over time. It allows you to adjust your premiums and coverage amounts to fit your financial situation while accumulating tax-deferred savings. This policy ensures your family's protection and offers financial growth opportunities. Why Universal Life Insurance can be a lifesaver Universal Life Insurance provides lifelong financial security while allowing flexibility in how you manage your premiums and coverage. It builds cash value over time, which can be used for future needs or emergencies. This insurance gives your loved ones guaranteed protection with added financial benefits. Why choose Universal Life Insurance service We offer customizable Universal Life Insurance plans that adapt to your changing needs. With flexible premiums and expert financial advice, we help you balance lifelong protection with investment growth. Trust us to secure your future with a plan designed just for you. Check IconFlexible Premiums and Coverage Options Check IconGuaranteed Death Benefit for Your Loved Ones Check IconTax-Deferred Savings Component Check IconCustomizable to Meet Your Financial Goals Check IconCash Value That Grows Over Time Check IconLifelong Protection with Investment Opportunities Universal Life Insurance service benefit Universal Life Insurance offers lifelong protection for your family, with the added benefit of accumulating savings over time. Its flexible structure allows you to adjust your premiums and coverage, providing financial security and growth. We offer personalized plans that combine protection with financial flexibility. Lifelong Financial Security for Your Family Flexibility to Adjust Premiums and Coverage Cash Value Growth with Tax Advantages Investment and Savings Opportunities Customizable Financial Planning Solutions
thinkinsurance
How a Motorcycle GPS Tracker Can Make Riding Safer and Protect Your Bike Riding a motorcycle is exciting and gives you a sense of freedom. But bike theft is a big problem, and keeping your motorcycle safe is important. A GPS tracker can help you protect your bike and make riding more enjoyable. Let’s see how it works and why it’s a must-have for every rider. What Is a Motorcycle GPS Tracker? A motorcycle GPS tracker is a small device that helps you track your bike’s location using GPS technology. It connects to your phone or computer, so you can always see where your bike is, no matter where you are. How It Helps Prevent Theft 1. Real-Time Tracking If someone steals your bike, a GPS tracker lets you see its location instantly. This makes it easier for you and the police to recover your motorcycle quickly. 2. Instant Alerts Many GPS trackers have special security features: Motion Sensors: If someone moves your bike unexpectedly, you get an alert. Geofencing: You can set a safe area for your bike. If it leaves this zone, you’ll get a notification. These alerts act as an early warning system, helping you stop theft before it happens. 3. Scares Away Thieves Thieves are less likely to steal a bike if they know it has a GPS tracker. It makes their job riskier, so they often avoid such bikes. Other Benefits of a GPS Tracker 1. Saves You Money on Insurance Some insurance companies give discounts if your bike has a GPS tracker. This is because it lowers the risk of theft, making your bike safer to insure. 2. Gives You Peace of Mind You don’t have to constantly worry about your bike when it’s parked. Whether you’re at work, traveling, or stopping for coffee, you’ll know your bike is safe. 3. Improves Your Riding Experience A GPS tracker isn’t just for security. Many trackers have extra features like: Route History: Save and review your rides. Maintenance Alerts: Get reminders for oil changes or battery checks. Trip Sharing: Share your live location with family or friends for safety. How to Choose the Right GPS Tracker When buying a GPS tracker, look for these key features: ✅ Easy to Install: Pick a tracker that’s simple to set up, even if you’re not tech-savvy. ✅ Long Battery Life: A good battery ensures continuous protection. ✅ Instant Alerts: The tracker should send real-time notifications. ✅ Compact and Hidden: A small tracker is harder for thieves to find and remove. Why You Should Get One A motorcycle GPS tracker does more than just prevent theft. It helps you ride without stress, saves you money, and improves your overall experience. Whether you have a sports bike, cruiser, or touring motorcycle, a GPS tracker is a smart investment. Conclusion Adding a GPS tracker to your motorcycle makes riding safer and more enjoyable. It helps keep your bike secure, gives you useful riding data, and provides peace of mind. With affordable and easy-to-use options available, now is the perfect time to get one for your bike
John
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