May 2019 bring all of our readers, family and friends joy and hope, health and happiness.
Baruch HaShem.
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Monday, 31 December 2018
Friday, 28 December 2018
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Bwahahaha!!
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IRS unable to recoup nearly $1 billion in Obamacare subsidies - Washington Times https://t.co/lTxPtsWUV7— Snarky Cuneiform (@stephaniemedira) December 28, 2018
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Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Co-blogger Bob is our Medicare guru; here he shares some timely, helpful tips about choosing the right advisor:
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Thursday, 27 December 2018
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Shot:
"[I]f you employ more than 49 people, you've either got to offer (and help pay for) a group plan or pay apenalty tax ... Here's the problem: if you currently employ 49 people, you're not going to be hiring that 50th guy, because that would cancel your exemption."
And of course that little gem gave us the FTE (Full Time Equivalent) calculation. And of further course, people (including, believe it or not, employers) look for ways to avoid pain. Sometimes, though, that doesn't quite work out...
Chaser:
"[I]f you employ more than 49 people, you've either got to offer (and help pay for) a group plan or pay a
And of course that little gem gave us the FTE (Full Time Equivalent) calculation. And of further course, people (including, believe it or not, employers) look for ways to avoid pain. Sometimes, though, that doesn't quite work out...
Chaser:
Cutting Employee Hours to Avoid ACA Requirements Costs Employer $7.4 Million https://t.co/9MiuskT7mI— Healthcare Reform (@Health_Reforms) December 21, 2018
from InsureBlog http://bit.ly/2BHaz3Y
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Wednesday, 26 December 2018
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Regular readers already ready know about the ObamaCare body count:
"Mortality Rates Suggests Obamacare Could Be Killing People ... equivalent to an excess 11,000 annual U.S. adult deaths relative to the pre-Obamacare steady state trends"
But that was then (a year-and-a-half ago), and this is now, so what's changed?
Not much, apparently:
"This has raised concern that some hospitals may be avoiding readmissions, even for patients who would benefit most from inpatient care."
Ooops.
[Hat Tip: FoIB Dr Kris Held]
"Mortality Rates Suggests Obamacare Could Be Killing People ... equivalent to an excess 11,000 annual U.S. adult deaths relative to the pre-Obamacare steady state trends"
But that was then (a year-and-a-half ago), and this is now, so what's changed?
Not much, apparently:
"A well-intentioned program created by the Affordable Care Act may have led to patient deaths." #ACA #MedicareForAll #healthcare @nytimes https://t.co/Enl0zYp0nn— Nicole Saphier, MD (@NBSaphierMD) December 22, 2018
"This has raised concern that some hospitals may be avoiding readmissions, even for patients who would benefit most from inpatient care."
Ooops.
[Hat Tip: FoIB Dr Kris Held]
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Sunday, 23 December 2018
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Every once in a while a new song joins the ranks of traditional Christmas carols and quickly becomes a new favorite. "Mary Did You Know", written in 1991, took a few years to really catch on.
Some would argue that of COURSE she knew that her son would one day walk on water, heal the blind, the lame to walk and so forth.
In my opinion, Mary did know some of the story, but not all. According to Luke 1: 26 - 38 the angel Gabriel TOLD Mary she would give birth to a son, would name him Jesus, and he would reign over the House of Jacob forever.
But it has been my observation that other great things in the Bible were surrounded in mystery.
Abraham was prepared to sacrifice his son Isaac because God told him to do so. He had no idea an angel would appear and show in a ram that would be sacrificed in place of Isaac.
Moses had no idea how long he would wander in the wilderness.
Religion is based on FAITH, not complete knowledge and revelation of all the details. Believers follow the message God plants in their heart and they move forward on faith, not absolute certainty.
To me, one of the most moving lines in the song is this. "When you kiss your little baby, you kiss the face of God".
According to the scripture, Mary was frightened by the angel, and did not understand what was happening. How could she be pregnant since she was a virgin?
The REAL Christmas story is a story of faith. Starting with the immaculate conception and continuing on through various twists and turns. Mary and Joseph lived in Nazareth, and Jesus would be born there if not for the census ordered by Caesar Augustus, requiring all citizens to return to their tribal town vs. where they lived. By traveling to Bethlehem they fulfilled the prophecy told in Micah 5:2.
As a friend of mine says, there are no coincidences, only God-incidences. The birth of Jesus was predicted 700 years earlier by a minor prophet named Micah. That is no coincidence.
Have a blessed Christmas!
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Mary, not Jesus
The song focuses on Mary, the unwed mother of Jesus, rather than on Jesus himself. The song is set in a minor key which sets it apart from most carols. Rather than being bright and upbeat, it is more of a somber tone.Steps of Faith
Most of the criticism of the song centers on the question asked, which is, did Mary KNOW the child she would carry would someday be at the center of one of the world's great religions.Some would argue that of COURSE she knew that her son would one day walk on water, heal the blind, the lame to walk and so forth.
In my opinion, Mary did know some of the story, but not all. According to Luke 1: 26 - 38 the angel Gabriel TOLD Mary she would give birth to a son, would name him Jesus, and he would reign over the House of Jacob forever.
But it has been my observation that other great things in the Bible were surrounded in mystery.
Abraham was prepared to sacrifice his son Isaac because God told him to do so. He had no idea an angel would appear and show in a ram that would be sacrificed in place of Isaac.
Moses had no idea how long he would wander in the wilderness.
Facing the Unknown Without Fear
So I doubt that Mary knew all the details of where her son would go or what he would do to change the world.Religion is based on FAITH, not complete knowledge and revelation of all the details. Believers follow the message God plants in their heart and they move forward on faith, not absolute certainty.
To me, one of the most moving lines in the song is this. "When you kiss your little baby, you kiss the face of God".
According to the scripture, Mary was frightened by the angel, and did not understand what was happening. How could she be pregnant since she was a virgin?
No Coincidence
But we are also told her response was that she was the Lord's servant and she would move forward on faith.The REAL Christmas story is a story of faith. Starting with the immaculate conception and continuing on through various twists and turns. Mary and Joseph lived in Nazareth, and Jesus would be born there if not for the census ordered by Caesar Augustus, requiring all citizens to return to their tribal town vs. where they lived. By traveling to Bethlehem they fulfilled the prophecy told in Micah 5:2.
As a friend of mine says, there are no coincidences, only God-incidences. The birth of Jesus was predicted 700 years earlier by a minor prophet named Micah. That is no coincidence.
Have a blessed Christmas!
from InsureBlog http://bit.ly/2EGgJ7r
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Friday, 21 December 2018
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
So:
As FoIB tsrblke points out, we insure all kinds of other "homes on wheels," why would this be a big deal.
And to be fair, my inclination was to agree with him. But then I started digging, and the facts have caused me to change my mind.
First, there's this little nugget in the actual story:
"She had been gradually building the home piece by piece."
So here we have at least three very different, and distinct, risks going on: first, builder's risk, which is a special policy for when a home is under construction. Second, despite the fact that it will eventually become a "home," it will be a portable one. So does that make it more like the camper being towed down the highway by an F150, or the ones sitting perfectly still at Grannie's Mobile Home Park and Putt Putt course?
The owner did acknowledge that "it was difficult to get her home insured because most insurance companies struggle to classify what it should fall under."
My initial reaction was that maybe she (or the article's author) just didn't try very hard, but then I turned to our friend, resident P&C guru Bill M, who pointed out that sure, there are markets for this out there, but it's not as simple as insuring a Buick. He also noted something we've discussed before: just because coverage could be available doesn't mean that she's going to easily find it.
Why's that, Henry?
Well, the fact is that this kind of case will take more than just a cursory phone call by the agent. He (or she) is going to have to put in considerable time just identifying all those moving parts, and then trying to find the appropriate market (carrier) to handle it. And all of this for a relatively modest commission. So it's likely that even if the (tiny) home's owner did call around, she probably ran into "well, who do you have your current home and car with?" And justifiably so: one-off's like this aren't a very profitable way for most agents to make a living.
It takes muchmore than a simple cookie cutter approach.
"She can't get it insured because insurers aren't sure what to classify it under."— tsrblke (@tsrblke) December 19, 2018
Wait, there are all sorts of homes on wheels we insure: https://t.co/vWwJfrN1C7 CC @insureblog
As FoIB tsrblke points out, we insure all kinds of other "homes on wheels," why would this be a big deal.
And to be fair, my inclination was to agree with him. But then I started digging, and the facts have caused me to change my mind.
First, there's this little nugget in the actual story:
"She had been gradually building the home piece by piece."
So here we have at least three very different, and distinct, risks going on: first, builder's risk, which is a special policy for when a home is under construction. Second, despite the fact that it will eventually become a "home," it will be a portable one. So does that make it more like the camper being towed down the highway by an F150, or the ones sitting perfectly still at Grannie's Mobile Home Park and Putt Putt course?
The owner did acknowledge that "it was difficult to get her home insured because most insurance companies struggle to classify what it should fall under."
My initial reaction was that maybe she (or the article's author) just didn't try very hard, but then I turned to our friend, resident P&C guru Bill M, who pointed out that sure, there are markets for this out there, but it's not as simple as insuring a Buick. He also noted something we've discussed before: just because coverage could be available doesn't mean that she's going to easily find it.
Why's that, Henry?
Well, the fact is that this kind of case will take more than just a cursory phone call by the agent. He (or she) is going to have to put in considerable time just identifying all those moving parts, and then trying to find the appropriate market (carrier) to handle it. And all of this for a relatively modest commission. So it's likely that even if the (tiny) home's owner did call around, she probably ran into "well, who do you have your current home and car with?" And justifiably so: one-off's like this aren't a very profitable way for most agents to make a living.
It takes muchmore than a simple cookie cutter approach.
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