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Tag: Fall

  • Email still beats texts—for hackers phishing for your data

    Email still beats texts—for hackers phishing for your data

    Despite all the attention given to phishing attacks, and high profile hacks, email still remains the number one place where victims fall prey to bad guys.

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  • Heavy hitters: Obesity rate soars among professional baseball players

    Heavy hitters: Obesity rate soars among professional baseball players

    Major League Baseball players have become overwhelmingly overweight and obese during the last quarter century, say health researchers.

    David E. Conroy, Penn State professor of kinesiology, and colleagues looked at 145 years of data on professional baseball players’ body mass. The researchers found that the athletes’ weight held steady for over 100 years, with the majority of them weighing in at what is considered “normal,” – i.e., with a body mass index (BMI) between 18.5 and 24.9.

    However, around 1991 the average player’s BMI began to rise, and over the last 25 years nearly 80 percent of players fall into the overweight or obese category with a BMI above 25. Obesity in the general U.S. population began to rise in the mid-1970s, according to the Centers for Disease Control and Prevention.

    “Research exists that shows how having extra weight can help with certain aspects of baseball,” said Conroy, also professor of human development and family studies. “The more force a batter can put into the ball, the further it will travel.”

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  • Manifesting Better Finances Through Subliminals Audios

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    When we are at the point in life where we need to ensure our money and finances are doing alright, some people might be discomforted to see and realize that their money situations might need some help.

    This is about changing our minds and brains to help us act and think differently. We know that we might need a better financial situation and subliminals can help us by gradually changing our thoughts to encourage better money related habits.

    Somehow too much of society started accepting and practicing inefficient and poor money habits that literally brought their finances down to very low point.

    It is clear that a lot of people want to change their finances for the better, but it is not clear how this might be achieved over time and that is where subliminal usage comes in.

    We just have to accept that very particular subliminal audios can be used to change and shift our thoughts into something far more desirable. They can hone our mental and emotional focus so that our lives change for the better both in the short term and in the months and years to come.

    Consistent listening is required to reap the greatest rewards from subliminals, but that is one of the new positive habits that the audios can help us achieve. As you listen more your brain and life start to reflect very deep and dynamic changes over time, and that is why these audios are so powerful.

    Some might be hesitant and almost doubtful that such deep and drastic change can come from listening to subliminals, but this is about using the audios and they have to be listened to in order to gain their benefits.

    That is why a lot of people stay stuck and idle in their money lives because they do not change their habits over time, and they do not do anything that can immediately alter and shift their mental and physical habits in a very short period of time.

    Subliminals can be used to enact very powerful and deep change, but the consistent listening part is where a lot of people fall away and that is simply not a problem when you consider how immensely powerful they can be on our lives.

    The only drawback is that you need to keep listening in order to gain the higher benefits and advantages that the audios can bring you, and for most of us that isn’t much of a problem considering how deeply our lives and finances will change over the coming weeks and months.

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    Source by Donald B. Johnson

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  • Who Will Become Wealthy in the Information Age?

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    As you know, we’re now well and truly in the
    Information Age. It began about 10 years ago. In fact,
    many economists say it began in 1989, with the Fall of
    the Berlin Wall (and the start of the World Wide Web).

    To understand who will become wealthy in the
    Information Age, first we need to understand how the
    Information Age differs from the Industrial Age (born
    about 1860, died about 1989).

    In fact, let’s get a complete overview and go back to
    the Agrarian Age.

    In the Agrarian Age, society was basically divided
    into two classes: the landowners and the people who
    worked on the land (the serfs). If you were a serf,
    there wasn’t much you could do about it:
    land-ownership passed down through families and you
    were stuck with the status you were born into.

    When the Industrial Age arrived, everything changed:
    it was no longer agriculture that generated most of
    the wealth, but manufacturing. Suddenly, land was no
    longer the key to wealth. A factory occupied far less
    land than a sheep farm or a wheat farm.

    With the Industrial Age came a new kind of wealthy
    person: the self-made businessman. Wealth no longer
    depended on land-ownership and the family you were
    born into. Business acumen and factories were creating
    a new class of wealthy person. But it still required
    enormous capital to build a factory and start a
    business.

    Then came the World Wide Web (in about 1989) and
    globalization. Suddenly, everything changed again.

    Factories (or real estate) were no longer necessary to
    run a business. Anyone with a website could start a
    business. The barriers to wealth that existed in the
    Agrarian Age and the Industrial Age were completely
    gone. People who could never have dreamed of owning
    their own business were making millions from their
    kitchen table.

    Of course, the Information Revolution didn’t begin
    in 1989.

    It began in 1444 when Gutenberg invented the printing
    press in Mainz, Germany.

    But the printing press (newspapers, magazines,
    paperbacks) belonged to the Industrial Age, not the
    Information Age.

    The printing press is a ‘one-to-many’ technology. The
    Internet is a ‘many-to-many’ technology. And that was
    what changed in 1989.

    The Industrial Age was about centralization and
    control. The Information Age is about
    de-centralization and no control. No government and no
    media magnate controls the Internet. This is the
    crucial thing to understand about the Information Age.

    As we moved from the Agrarian Age through the
    Industrial Age to the Information Age, there’s been a
    steady collapse of the barriers that kept one section of
    society wealthy and the other section poor.

    In the Information Age, literally anyone can become
    wealthy.

    So now that we have a clearer picture of how the
    Information Age differs from the Industrial Age, let’s
    ask that question again: ‘Who will become wealthy in
    the Information Age?’:

    (1) People Who are Self-Taught

    To explain this better, let’s go back to the Agrarian
    Age and the Industrial Age, and the Transmission of
    Skills.

    In the Agrarian Age, skills were passed on from father
    to son. If you wanted to learn how to be a blacksmith
    you had to be a blacksmith’s son. If you wanted to
    learn to be a stone-mason, you had to be the son of a
    stone-mason.

    With the coming of the Industrial Age, all this
    changed. You could go to University and learn whatever
    skills you wanted. Knowledge was freely available.

    But in the Information Age, the Transmission of Skills
    is changing once again.

    The skills necessary to succeed in the Information Age
    are not being learnt from our parents (as in the
    Agrarian Age), nor are they being learnt in schools
    and colleges (as in the Industrial Age). Children are
    teaching their parents computer skills. And many of
    the entrepreneurs who start hi-tech Internet companies
    have never been to college.

    The millionaires (and billionaires) of tomorrow
    probably won’t have a college education. They will be
    high-school drop-outs, self-taught people.

    (2) People with New Ideas.

    Again, it’s the people who are able to think outside
    of the existing structures who will become wealthy in
    the Information Age. Often, it’s just a Simple Idea
    that launches people to success in the Information
    Age.

    Take Sabhir Bhatia, for example – the man who invented
    Hotmail. Bhatia was a computer engineer working in
    Silicon Valley. He had no previous business
    experience, whatsoever.

    But one day, while he was driving back from work, a
    friend called him on his cell phone and said that he
    had an idea: What about starting a free, web-based
    email service? Bhatia knew this was the idea he’d been
    waiting for. He told his friend to hang up immediately
    and ring him at home on a secure line.

    Three years later he sold Hotmail to Microsoft for
    $400 million.

    (3) Writers

    The third group who will become wealthy in the
    Information Age are Writers.

    In the Industrial Age, Writers depended on large
    publishing Houses to get published (remember that the
    printing press is an Industrial Age technology – it is
    centralized and controlled). And the Publishing Houses
    took the lion’s share of the profits.

    In the Information Age, Writers are doing their own
    publishing – and keeping most of the profits
    themselves. Indeed, Writers are flourishing on the
    Web – mainly through eBooks and Ezine Articles.
    But even if you don’t write eBooks or Ezine Articles,
    if you own a website, you are a Writer.

    Why?

    Because the Internet is basically a written medium. It
    favors writers, people who are able to communicate
    effectively through the written word. Remember, it’s
    not the graphics on your website that sell, it’s the
    words you use.

    In the Information Age, we’re all Writers!

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  • Stopping Employee Theft in Your Coffee Business

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    Regardless to how good of an employer you are, and even if you treat your employees well, understand that employee theft is a reality, and you need to control it. While it may only be a very small percentage of your staff that might steal from you, it can have a significant financial impact on your coffee business. If it goes unnoticed, employees will usually become even more brazen in their activities.

    When it comes to theft, your employees are likely to fall into one of the following four categories:

    Mr./Ms. honest – these are people who would never think of taking anything if it doesn’t belong to them. If they happen to go home with one of your ballpoint pens, they’ll bring it back the next day, and feel guilty that they took it home, even though it was unintentional.

    Incidental theft – these are people that will take home your pen by accident, and will keep it. And, they may scarf a piece of cheesecake occasionally when you aren’t looking, even though they know they shouldn’t. Because these items have minimal value, they have no great sense of guilt related to their activities.

    Theft because of need and opportunity – this is when you have an employee who is perhaps living on the edge financially, and because they have the need, and because your security may be lax, they’ll take advantage of an opportune situation to take something.

    Compulsive theft – this is the person who is always looking for something to steal, and they have absolutely no conscience about it. They typically rationalize the theft in their own mind. They consider you to be the rich, fat cat, and feel that they are over worked and under paid, so stealing from you is justified.

    Employee theft probably exists to some extent within your operation, whether you are aware of it or not. You can most likely live with incidental theft, provided it doesn’t get out of control. Theft related to need and opportunity is, in reality, your fault. These people would probably not steal from you normally, but a lack of security procedures has created the temptation and means for them to do so. Compulsive theft must be discovered, stopped, and you must eliminate the person(s) responsible.

    Losing product due to theft:

    Your employees may have no desire or need for a sleeve of 12oz. paper cups, Java Jackets, or a roll of toilet paper… but they might like a frozen cake, gallon of chocolate sauce, 6-pack of beer, or a bottle of wine.

    There are some simple things you can do to greatly reduce the chance of being ripped-off. First, don’t allow your employees to store their jackets, backpacks, and purses near where you store products. This makes it incredibly simple for someone to slide something into their bag or jacket pocket when no one is watching. I always had my employees store their personal belongings in the cabinet under the cash register (where someone would always be watching), or in my office, under lock & and key.

    Second, keep the back door of your store locked with a key at all times (you or your supervisor being the only ones having a key). If customers regularly enter through your back door, this may not be an option. If your back door is an emergency fire exit (and it probably is), you’ll need to install an alarmed breaker-bar. The whole point is that you don’t want your employees to be able to flow in and out of the back door without you knowing about it. Carrying product out the back door to their car, a hiding place for later pick-up, or an awaiting friend, is one of the most common ways products will exit your store.

    Once you have made it more difficult to stash things in their personal belongings, or carry them out the back door, employees may resort to hiding items in the trashcan. Of course you will unlock the back door to let them take out the trash. If they have hidden something in the trashcan, a dumpster-diving expedition will certainly be planned for after-hours to recover their treasure.

    Periodic trashcan checks should eliminate this problem, or make it a far less appealing option to anyone considering this method to smuggle things out of your store. Buy a long handle 3-prong garden rake. When employees ask to take out the trash, accompany them, and have them hold the can up on the edge of the dumpster while you rake out the trashcan contents. What you are looking for are things that might have been hidden in the trash, but you can tell your employees that you are merely making sure that small wares aren’t being accidentally thrown away. During the 15-years I owned and managed restaurants, I discovered everything from six-packs of beer, bottles of wine, and packages of steaks hidden in the trash!

    Another situation that will create an ideal opportunity for employees to steal from you is having only one person working in your store. If your baker comes in each morning a hour before you or the next employee, or if one person is left to clean and lock-up the place at the end of the day, opportunities for theft abound. As the old saying goes: when the cat’s away…

    Always try to have at least two people in your store at all times. If there is not justification for having a second employee on the clock, then you will need to be that second person. If this requires you going from a 60-hour workweek to 80-hours, then this may not be a tolerable option. If this is the case, then at least invest a couple of hours more each day for a week or two to do some detective work.

    During those times of day when only one employee is working, park at the far end of the parking lot, or across the street, so that you will reduce the chance of being noticed by your employee. If they are familiar with your vehicle, use your spouse’s or friend’s vehicle for a few days. Watch carefully (with binoculars if necessary). I know this all sounds a little CSI – like, but better to rest-easy, feeling fairly assured that your employee isn’t carrying away your store when you’re not watching. If I had the time, I could tell you countless stories of my experiences in catching employees red handed, loading the trunks of their cars.

    If you suspect that theft of product might be occurring, but you’ve seen no direct evidence of it, then conducting a daily key item inventory may shed some light on the situation. Write down a list of 15 to 20 products that you think would be most appealing for someone to steal. In your coffee business, this might include items such as coffee, syrups and sauces, smoothie puree, biscotti, cookies, and desserts, sandwich meats & cheeses, and of course beer & wine (if you serve those from your operation). Then take an inventory of these items every day. Your employees don’t need to know what you are doing, and if they ask, simply tell them you are taking an inventory for ordering purposes.

    What you are looking for are anomalies in usage. For example, let’s say that from your daily inventories you assess that you use about half a gallon of chocolate sauce per day. Then, one day you notice you used 1 1/2 gallons of chocolate the previous day. This should send up a red flag! Why did you go through an extra gallon of chocolate? Were you significantly busier yesterday, or did you featuring several drink specials which contained chocolate sauce? A quick review of individual item sales from yesterday’s cash register report should provide you with the answer. If you average one ounce of chocolate per beverage, then using 1 1/2 gallons means you should have sold approximately 192 beverages containing chocolate (128 oz. per gal. x 1.5 = 192). If this was the case, no problem. But, if you discover that you only sold 64 beverages containing chocolate, then 128 oz. (or 1 gallon) is unaccounted for and missing! A good indication that it probably walked out the door. If this happens, keep track of who was working on the day of the shortage. If this happens continually, eventually you will discover that the same person or persons were working every time.

    Theft of money by employees:

    Hopefully, none of your employees will have the desire to steal products from you, but some will be tempted by the lure of cold, hard, cash. Everyone could use an extra $20 a day. Employees who steal money from you will definitely hurt your bottom line, and must be eliminated.

    The first way to reduce cash theft is to have a cash handling policy in place that will discourage theft. If multiple employees are using the cash register, and no one person is responsible, then I can almost guarantee that your cash drawer will keep coming up short on a regular basis. The fact that no one person can be held responsible for the shortages, will make grabbing a bill or two easy and appealing.

    Implement a policy that one, and only one person is responsible for the cash register for the entire shift. They should count the drawer at the beginning of their shift to verify that they are starting with the designated change bank. Then, they should be the only person to ring up sales and make change. Even you, the owner/manger, should keep your hands out of their cash drawer. Finally, at the end of their shift, they should set aside the amount they started with in the change drawer, and total all the remaining cash, checks, and charges, and balance against what was rung up on the register. If they started with the right amount of money in the cash drawer, rang everything up, took all the money, counted back all the change, and they end up short… who’s fault is it? It can only be theirs. By implementing this simple policy, I once took an operation that was coming up $100 a day ($3,000 a month) cash short, and reduced it to $3 a day, in just 30 days! That’s over a $2,900 bottom line improvement, (in case you didn’t do the math)!

    The other common method that a cashier might use to steal money from you is by using a method called, building a bank. This is the process of not ringing up items on the cash register, while still taking money from the customers, and then pocketing that money. Typically, they will obscure the view of the cash register display on the customer’s side with something like a flower, retail merchandise, or by turning the display so that it cannot be easily seen. Then, they will pretend to ring up an item, but will hit the no sale key instead, popping the drawer open so they can take the cash and make change, but in reality, they haven’t rung up anything. The other thing they might do when it is busy is to just not shut the drawer between transactions. They simply convey verbally the cost of items ordered by customers and take the cash, but once again, nothing has been rung up.

    A cash register that prints out the order on a remote receipt printer to the person who will be preparing the item, can eliminate this problem. Quite simply, if the item isn’t rung-up, it won’t print out. If your barista or cook won’t prepare anything without a receipt (and they shouldn’t!), it will force your cashier to ring everything up.

    If you observe that the cash register’s display has been blocked from the customer’s view, or there are an excessive number of no sale indications on your cash register’s detail tape, or notice that your cashier is not shutting the drawer between transactions, beware! While these may not be indisputable proof that your cashier is stealing from you, they should certainly heighten your vigilance to find out if something is going on.

    If your coffee business only warrants having one employee working at a time, perhaps because you own a cart, kiosk, or low volume drive-through operation, then how do you go about keeping your employee from building a bank and stealing from you? The best solution I’ve seen is to turn your customers in to watchdogs. Affix a sign to the front of your cash register, in plain sight of the customer, that reads: If you don’t receive a receipt with your order, it’s FREE! This will force your cashier to hand each customer a receipt for their purchase. If they are building a bank, this means they will have to hand the customer a receipt that says – NO SALE; something they probably won’t fell comfortable doing!

    The financial impact of theft of money can be extremely damaging, for example: Let’s say you have a cashier who is skimming off $20 a day by not ringing things up, and then pocketing the money. Not only did you loose the stolen $20, but the $7 of ingredients that were probably used to produce the ordered products; ($20 x 35% ingredient cost = $7.00). So in reality, you lost $27, and it will take an additional $41.54 in sales, to recover this loss; ($41.54 x 65% gross profit = $27). $27 a day lost to theft, X 21 days worked by the employee = $567 lost cash & product per month; $872 extra sales required to offset this loss. (Annual loss, $6,804; $10,468 in additional income required to offset loss.) You must stop theft of money!

    Theft of money management:

    If you have a manger running your operation for you, this can really create an opportunity for cash theft. Just about anyone who has ever run a food service operation (self included), probably felt that they were over-worked and under-paid. Some are tempted to grant themselves an unapproved raise. Your manger has the control key to the cash register, which means they have the ability to back off items that were sold. You would be wise to check your cash register detail tapes on a regular basis. If you see multiple items backed off in groups, or more worrisome yet, all backed off at the very end of the shift, beware!

    A good way to keep this from happening is to establish a policy that no over-rings are to be backed off of sales on the cash register with the management control key. Instead, when the cashier makes an over-ring, they should take the receipt, write over-ring on it, sign it, and put it in the cash drawer. At the end of the shift, the total of all over-rings should be manually backed off of the sales total indicated on the cash register report.

    Many years ago I had a manager that was stealing money from me in another creative way. This manager, who opened the store each day, would reset the cash register by Z-ing it out after the first half hour of business. He would then pocket the proceeds earned during that first half hour. Because additional sales were generated during the second half hour, the cash register hourly sales report would always show sales for the first hour of operation, thus eliminating any suspicion that something might be going on.

    It wasn’t until I was doing a routine audit of cash register Z tapes that I noticed something wasn’t right. When you run a Z report, which resets the cash register at the end of each day, a multi-digit number will usually be printed somewhere on that tape. The next time you Z the register, that number will advance by one digit. I noticed that even though the tapes were sequential in date, every other number was missing. This tipped me off that the register was being Z-ed twice a day! When I confronted my manager with the tapes, his look of panic spoke volumes.

    If you are doubting the honesty of any of your employees or managers, one way you can verify or eliminate your suspicion is by baiting the cash drawer. Slip an extra $20 bill in the drawer sometime during the day when they aren’t watching. If they don’t end up reporting at the end of their shift that they were $20 cash-over, I’ll do it a second time (just to make sure). If they don’t report it a second time, you should have no doubts that they are indeed, dishonest.

    NEVER accuse an employee or manger of stealing unless you catch them red-handed (actually stuffing money into their pockets). Even though the circumstantial evidence may be overwhelming, unless you actually catch them in the act, they are likely to deny your accusations, and will probably file a complaint against you with the department of labor! The brief moment of satisfaction you will gain from letting them know you are aware of what they’ve been doing, will be quickly overwhelmed by the legal predicament you will find yourself in. You will be far better off to not make accusations. Simply terminate their employment. In many states, you do not need to provide a reason as to why you are letting them go. When they ask for an explanation as to why you are firing them, simply say: I don’t need to give you a reason, I’m just letting you go, goodbye!

    Finally, don’t over look technology to help you with security. Surveillance cameras linked to a DVR (digital video recorder) can provide you with peace of mind, or evidence of theft. These systems have become very affordable, and many are easy to install. The value of these cameras go beyond having a video record of operations. The mere fact that employees understand that their activities are being video recorded, will usually discourage them from doing things that they might not think twice about, if no one was watching.

    I think it’s important to not be paranoid about employee theft. Certainly, you don’t want to be constantly obsessed with the suspicion that everyone is stealing from you. In reality, the majority of your employees are probably honest people. But, you would be wise to establish some simple safeguards, and maintain a watchful eye.

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    Source by Ed Arvidson

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  • Saving a Long Distance Relationship: How Do You Know When It’s Heading For The Rocks?

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    When you or your significant other are forced to move away for whatever reason, the necessity of saving a long distance relationship is the last thing on your mind. However, the chances are that neither of you has any real idea how to make your long distance relationship work.

    Initially you’re both head over heels in love and, while you’re sad at the idea of being apart, you’re both determined that nothing will stop you from being together. You make all the usual promises to each other and for a while things are great. The problem is that in all probability you never got down to the nitty gritty reality of what it would actually be like to be hundreds or even thousands of miles apart, so you’re not prepared for the loneliness that inevitably comes as part of a long distance relationship package.

    The initial elation and determination to be together no matter what begins to fade slowly and inevitably, and that’s usually when the insecurities start to set in.

    You begin wondering what your partner’s up to. Perhaps they don’t appear to be missing you as much as you’re missing them; maybe they’re not available to talk when you need to. If you’re the one left behind you have the added knowledge that your lover has started a new job and of course you imagine them meeting lots of new people and having a really exciting time. Of course it’s not always the person left behind who has the problems. In your relationship, maybe you’re the one starting the new job and you don’t know anybody. Perhaps you think of your partner back at home surrounded by friends and family and you wonder if they are missing you like you’re missing them, or even if they’re thinking of you at all. But whatever your situation, that feeling of insecurity is horrible and so soul destroying.

    You want to talk to your partner but you’re struggling to communicate because you’re frightened of the potential fall-out; that if your lover knew how you really felt, then your relationship would end. At this point, saving a long distance relationship is still not on your mind because the chances are that you are burying your head firmly in the sand, not realizing that by not talking to each other, your relationship is heading inexorably to the rocks.

    Eventually loneliness gives way to frustration. You’re not getting what you want out of the relationship so you start to become resentful. Very often at this point it becomes all about you – what your lover wants doesn’t seem to matter.

    Slowly frustration begins to turn to anger. Everyone around you seems to be in a relationship in which they’re surgically glued to one another’s side. Your friends and family thinks you’re crazy and give you all kinds of well meaning advice; unfortunately, it’s mostly negative and probably doesn’t involve actually saving a long distance relationship!

    Whether you recognize it or not, you are now both firmly at the point of desperately needing to save your long distance relationship and, if neither of you take action, you begin to lose all sense of actually being in a relationship at all and drift towards the final stage in any long distance relationship break down – detachment.

    One or both of you allow the resentment and frustration to get the better of you and slowly begin to withdraw into yourself. Your communication dwindles to almost non-existent and when you do speak, neither of you have anything to say.

    Maybe at this point saving a long distance relationship seems almost impossible with everything seemingly working against you, but before you get on the phone and end it all, I want to say one final thing: It doesn’t have to be like that!

    Ask yourselves this question: Do you and your partner love each other? If the answer to that question is ‘yes’ then, believe me you can save your long distance relationship.

    If the love is still there underneath all of the crap that has gotten in the way, you really can halt the slide and pull it back together. Distance doesn’t have to be a deal breaker and you don’t have to be in the same room to share that special intimacy.

    It won’t happen overnight, but if you’re both truly prepared to work at it, you won’t only be saving a long distance relationship but making it better than you ever thought possible.

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    Source by Beverley Watts

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  • Repricing on Health Insurance Claims

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    We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

    Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

    When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

    The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

    Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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    Source by Cal J Burgess

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