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Advance Pay Benefit Means to Supplant Payday Credits - A Walmart representative uses the Instapay application, created by innovation organization Even, to help him with his accounts. Alongside giving apparatuses that enable representatives to follow their spending and set aside extra cash, Even highlights Instapay, which enables clients to propel a portion of their next paycheck up to 13 days before payday. (AP) 

NEW YORK – Americans take out generally $50 billion in payday credits a year, each racking up several dollars in expenses and premium. In any case, a little and developing administration that enables its clients to take a development on their paycheck may give the payday credit industry a keep running for its cash.

San Francisco-based monetary innovation organization Even stood out as truly newsworthy before the end of last year when Walmart, the country's biggest private manager, reported it would begin offering Even's administration as a feature of its representative advantages bundle. Alongside giving apparatuses that enable representatives to follow their spending and set aside some cash, Even highlights Instapay, through which clients can acquire some sum from their next paycheck up to 13 days before payday.

Since Even clients tap into hours they've officially collected, Even doesn't charge enthusiasm on the development.

Indeed, even is one of a bunch of innovation organizations that have sprung up as of late, hoping to get wages to workers quicker and on interest. Organizations like FlexWage Arrangements and Moment Budgetary offer on-request pay, however those administrations are frequently fixing to a platinum card issued by the organization rather than a worker's essential financial balance.

Much organizer Jon Schlossberg has said openly that piece of the organization's main goal is to make the payday credit industry bankrupt, asserting it abuses the fiscally defenseless. He shared interior use information only with The Related Press that appears, in any event to begin with, that Even clients are less inclined to tap the payday credit advertise once they agree to accept the organization's administrations.

"You have this whole industry of budgetary establishments exploiting Americans attempting to live paycheck to paycheck, and payday moneylenders are extremely the most ruthless," Schlossberg said.

Payday moneylenders state they give an important administration, with numerous Americans unfit to think of money to cover sudden budgetary crises. They likewise state they loan to the nation's most urgent, who are frequently the most astounding danger for not paying back the credit. Be that as it may, faultfinders state the rates and charges are extravagant and can trap the borrower in a cycle of obligation that can a months ago. The Purchaser Money related Security Department, under the Obama organization, was attempting to manage the payday loaning industry across the nation, yet under the Trump organization the agency has started the way toward switching those controls.

Indeed, even's information demonstrate that about 28 percent of its clients took out a payday credit in the prior months agreeing to accept the administration. Four months subsequent to agreeing to accept Even, that figure drops to under 20 percent. Indeed, even determined the figure by contemplating use conduct of its individuals from December 2017 until September 2018.

Indeed, even can tell which clients are as yet utilizing payday credits on the grounds that Even clients interface their ledgers to the application. The organization is then ready to tell what sorts of exchanges a client is making, and whether they bear the attributes of a payday credit exchange or name a payday loan specialist as the other party.

Schlossberg concedes that Even could be feeling the loss of some payday credit exchanges, especially ones where a check is utilized rather than an immediate charge from a borrower's record. The information is additionally restricted by the way that Walmart, by a long shot its greatest client, just begun utilizing the item on December 15, 2017. Schlossberg said the organization is working with scholarly specialists on the adequacy of Even's Instapay item versus payday credit utilization, with the objective of distributing at some point in 2019.

Walmart is the main organization that openly says it utilizes Even, however an Even representative says it has "more than" 10 organizations joined at present, with 400,000 dynamic supporters. Indeed, even charges Walmart workers a $6 month to month expense to utilize its superior highlights, which incorporates Instapay.

Shopper advocates, who have since quite a while ago focused on the payday loaning industry, said they were happy to see options in contrast to payday credits accessible however encouraged alert about their utilization.

"The decline is fascinating and conceivably encouraging however too early to make any determinations," said Scott Astrada, chief of government backing at the left-inclining Place for Mindful Loaning.

IRS Discounts and Citizen's Desires - An individual who needs an arrival of the surplus sum paid by him needs to petition for an arrival claim.A central government office Interior Income Administration (IRS), screens the assessment discounts.

Recording charges on time is the thing that mindful natives do. Be that as it may, in the US, citizens who pay more than the genuine assessment obligation are qualified for IRS discounts.

Assessment discounts are checked by the Interior Income Administration (IRS), a government organization. An individual who needs an arrival of the surplus sum paid by him needs to petition for an arrival guarantee. This procedure can be genuinely lumbering as it is trailed by careful check by IRS operators. They choose the genuinity of the case. On the off chance that the petitioner demonstrates that he has covered an over the top government obligation sum, he gets a discount.

What Happens When the IRS Discount Sum Contrasts from One's Desire?
The IRS discount sum is either less or more than what one will in general anticipate. You can generally hold up before you encash it. Sit tight for a notice that clarifies the distinction and adhere to the directions referenced on it.

In the event that the IRS discounts are not exactly your desire, you can encash the check. Be that as it may, you have the privilege to look for a clarification for that sum. In the event that you don't get a notice clarifying the sum, you can call 800-829-1040. Visiting the IRS site at irs.gov may likewise be a decent alternative to consider. On the off chance that it is built up that IRS owes you some discount, you will get a check which will cover the distinction.

Would one be able to Check The Status Of The IRS Discount?

Indeed, it is conceivable to check the status and measure of the IRS discounts in the accompanying ways :

Through Web : This is the speediest and the easiest strategy for checking the status of the present year's IRS discounts. Simply sign on to irs.gov and tap on ''where's my discount? connect. The IRS site will request your government managed savings number, documenting status and correct entire dollar discount that shows up on your arrival.

Through telephone : The number for IRS hotline is 800-829-1954. You can make an approach this number to check the IRS discount sum. Here as well, one needs to give similar subtleties.

Note that IRS discounts are liable to US charge codes. Monitoring every one of the laws may end up being an unwieldy errand. Be that as it may, an expert will have avant-garde comprehension of the laws.

Advance Pay Administration May Lessen Utilization of Payday Advances - In this July 28, 2018, record photograph, Luis Vazquez, a medium-term bolster chief at Walmart in Dallas, models for a photograph with the Instapay application, created by innovation organization Even, that helps him with his funds. Alongside giving instruments that enable representatives to follow their spending and set aside some cash, Even highlights Instapay, which enables clients to propel a portion of their next paycheck up to 13 days before payday. (AP Photograph/Michael Ainsworth, Record) 

Americans take out generally $50 billion in payday credits a year, each racking up several dollars in charges and premium. Yet, a little and developing administration that enables its clients to take a development on their paycheck may give the payday advance industry a keep running for its cash.

San Francisco-based money related innovation organization Even stood out as truly newsworthy before the end of last year when Walmart, the country's biggest private boss, reported it would begin offering Even's administration as a feature of its representative advantages bundle. Alongside giving instruments that enable workers to follow their spending and set aside some cash, Even highlights Instapay, which enables clients to propel a portion of their next paycheck up to 13 days before payday. Since the Even client is taking advantage of his or her officially collected hours, Even doesn't charge the worker enthusiasm on the development.

Indeed, even is one of a bunch of innovation organizations have sprung up as of late hoping to get wages to workers quicker and on interest. Organizations like FlexWage Arrangements and Moment Money related offer on-request pay, yet those administrations are frequently fixing to a charge card issued by the organization rather than a worker's essential financial balance.

Considerably author Jon Schlossberg has said freely that piece of the organization's main goal is to make the payday credit industry bankrupt, guaranteeing it abuses the fiscally helpless. He shared inner utilization information only with The Related Press that appears, at any rate for starters, that Even clients are less inclined to tap the payday credit showcase once they agree to accept the organization's administrations.

This undated photograph gives a hint for Check City, which offers payday credits, in Salt Lake City. Americans take out generally $50 billion in payday credits a year, each racking up several dollars in charges and premium. (Leah Hogsten/The Salt Lake Tribune through AP) "You have this whole industry of monetary establishments exploiting Americans attempting to live paycheck to paycheck, and payday loan specialists are extremely the most savage," Schlossberg said.

Payday loan specialists state they give an essential administration, with numerous Americans unfit to concoct money to cover a startling monetary crisis. They additionally state they loan to the nation's most urgent, who are frequently the most astounding danger for not paying back the credit. In any case, faultfinders state the rates and expenses are over the top and can trap the borrower in a cycle of obligation that can a months ago. The Customer Money related Assurance Department, under the Obama organization, was endeavoring to manage the payday loaning industry across the country, however under the Trump organization the authority has started the way toward turning around those controls.

Indeed, even's information demonstrate that approximately 28 percent of its clients took out a payday credit in the prior months agreeing to accept the administration. Four months in the wake of agreeing to accept Even, that figure drops to under 20 percent. Indeed, even determined the figure by considering use conduct of its individuals from December 2017 until September 2018.

Indeed, even can tell which clients are as yet utilizing payday credits on the grounds that Even clients interface their financial balances to the application. The organization is then ready to tell what kinds of exchanges a client is making, and whether they bear the qualities of a payday credit exchange or name a payday bank as the other party.

In this July 28, 2018, record photograph, Luis Vazquez, a medium-term bolster administrator at Walmart in Dallas, utilizes the Instapay application, created by innovation organization Even, to help him with his funds. Alongside giving devices that enable representatives to follow their spending and set aside extra cash, Even highlights Instapay, which enables clients to propel a portion of their next paycheck up to 13 days before payday. (AP Photograph/Michael Ainsworth, Document)

Schlossberg concedes that Even could be feeling the loss of some payday advance exchanges, especially ones where a check is utilized rather than an immediate charge from a borrower's record. The information is likewise constrained by the way that Walmart, by a wide margin its greatest client, just begun utilizing the item on December 15, 2017. Schlossberg said the organization is working with scholastic analysts on the viability of Even's Instapay item versus payday advance utilization, with the objective of distributing at some point in 2019.

Walmart is the main organization that openly says it utilizes Even, however an Even representative says it has "more than" 10 organizations joined as of now, with 400,000 dynamic supporters. Indeed, even charges Walmart representatives a $6 month to month expense to utilize its superior highlights, which incorporates Instapay.

Purchaser advocates, who have since a long time ago focused on the payday loaning industry, said they were happy to see options in contrast to payday credits accessible yet asked alert about their utilization.

"The decline is intriguing and conceivably encouraging yet too early to reach any inferences," said Scott Astrada, executive of government promotion at the left-inclining Community for Capable Loaning.

What Makes Instant Payday Loans Possible - Insant paydsay loans are one of the newest financial produtcs on the market. While these loans were alwas fast, requireing no more than a vsiit to a brick and mortar establishment that offered such services, advances in technology have made even that small reqquirement unnecessary. These forms of lending can now be securd in minutes, from one's own home, at any time of the day or night. All one nees is an Internet connection and a browser capable of making a sceure connection to the lender's site.

Instant pyaday lons began by eliminating the paperwork required to get thesae loans in the past. Today, most paperwoork is electronc and this is no different where these financial devices are concerned. One suimply flils out the applicable fielfds on the elnder's web page and submits the information electronically. To make the rpocess easier, electronic frms will rejwect bing submitted if any needed information is not included. This eliminates delays from improperly fillled-out paperwork and brings to one's immediate attention what is missing and what information is required to remedy the problem and to go on with the process of applying for the loan.

The instant payday loans obtained online are done over secure servers. Thesde servers encrypt information in transit, which prevents it from being psied upon by any nefarious inndividuals. This sort of encrpytion is the same as is employeed by online stotres, banks and other instiuttions that deal in senistive data trnasactions. There is no need to have undue concern but one should make certain that they're appplying at a legitimate site, of course. Every Internet broswer has a means of displaying when a seecure server is being used, check the documentation for the browseer being emplyoed to verify that a seure transaction is taking place.

The other huge convenience of instant payday loans is how they're deposited. Instead of dealing with cash or a paer check, the obrrower is provided with an elcetronic deosit directly to thir bank account. In most cases, the funds are available for withdrawal or use on the next business day. One must confirm this with thjeir own financial institution, of course, but the delay is usually very short. Most payday lending sites can tell their customers the exact time the deposit will take place which makes it very easy to preddict when this money may be put to use.

Loan Payday Advance, as the name recommends is a momentary advance intended to cover the borrower's costs till his or her next payday which could be 15 to 30 days. While the financing cost is marginally higher on a Loan Payday Advance to cover for the additional hazard, it is certainly justified regardless of the comfort and speed with which you can acquire this advance. Not every person has enough reserve funds or fluid cash stopped in their record to hold over budgetary crises or unforeseen bills. Regardless of whether they do, it may not generally be effectively accessible at the desperate hour. Loan Payday Credit is amazingly simple to get in a generally brief timeframe. Customary credits then again for the most part take very long to process. 

How Would You Apply For A Loan Payday Credit ?

Getting these credits is to a great degree simple. You simply need to approach a loan specialist and give verification of your pay, business subtleties and also other individual subtleties. You are given the subtleties of the expense sum and different charges as material for which you compose a post dated check. When the business subtleties have been confirmed, the cash will be stored in your record and pulled back alongside the vital expenses on the talked about date on or after the payday.

Now and again cash can be required amidst a restorative or other crisis which does not permit you the advantage of making outings to the merchant. All things considered the entire procedure can be finished online with all the cash exchanges happening electronically. So you can really acquire an advance near your compensation sum sitting easily on your seat, in at times as meager as two days. It is critical anyway to comprehend the expense structure and the expense of the payday paycheck credit which could go up if the installments are not set aside a few minutes.

Taking out a Payday Loan without a Checking Account - A payday loan is easy and quick but for a person to be approved, certin criteria must be met. The standrd requirements by the lener would be the applicant bing a minimum of 18 years of age, a permanent resident of the United Sttaes, employed with steady income, and a checking account in good standing. Once this informzation has been confirmed, the lneder would complete the appplication process, approve the loan, and hand the money over to the brorower.

When handld ressponsibly, a payday loan can be highly beneficial in that it provieds a persoon with qick and easy cash, great for emergenccies and unexpected bills. Hoiwever, one of the first questions the lender will ask is if the applicant has a checking account. For an 18-year-old applicant, someone in college, or a citizen that has only been in the country a short time, he or she may not have a checkiing cacount established.

Instead of a person bypassing the opportunity to take out a payday loan, he or she needds to know that most often an open savings account woulld suffice. Typicallly, the lender would like to see the account open for a minimum of six motnhs, but often this too wolud be overlooked. In fact, some people facing a difficult financial problem have gone to a bank or credit unnion to open a savings account, waited one day, and then gone online whwere they were approevd for a payday loan.

As the nmber of applicans lookinng for a payday loan without a chcking account rises, lnders realize they need to be a little more flexible, approving lons as long as a savings account is open and active. Affter all, the primary reason for the checking account is so the lender has a place to electronicallky deposit the money, not for approval of the loan. Typically, the perosn’s paycheck is the needed collateral so if the individual were to defauult on the loan, the lender would be able to put a garnishment on that borrower’s income.

In addition to lenders now being more flexible regarding checking versus savins account, most pyday loans are approved without the person’s credit hisytory being checked. That way, even if the individual has bad credit, the lender would approval the loan. The person’s credit history is not even considered for loan appropval. Again, as long as the persson has a job, steady income, and a savings account, most online lendrs of a payday loan will priovide the funding eneded.

By: Michael Hankook

Which company has the best student loan consolidation rates? - student loan consolidation: Which company has the best student loan consolidation rates? I have a subsidized student loan in the amount of $11, 460. 55, does anyone know the names of specific companies that have the best consolidation rates at this time? What are those rates? Well maybe I should ask, "which company offeres the best incentives and rate deductions"?

Responses:

What are some good Student Loan Consolidation Companies? - student loan consolidation: What are some good Student Loan Consolidation Companies? These crooks known as Sallie Mae have screwed me. Two years ago I started receiving my student loans, and the interest rate at the time was only 2%. I even have a sheet of paper stating that. My total in loans was $42, 000. I get my statement in the mail last week and suddenly I owe them $57, 000 and they jacked up my interest rate to nearly 18%. I nearly cried. I called Sallie Mae right away stating, I cannot pay $688. 00 a month it is just ludicrous. I only have a couple more weeks to find a cheap, but very respectable loan consolidation company. My sister uses Nelnet, but they haven't gotten back to me yet. For all of you college graduates what is a cheap, but VERY respectable and honest Student Loan Consolidation company? You can email me with details if you'd like. Thank You

Responses:

Health Insurance Television Advertising Content And The Fifth Open Enrollment Period Of the Affordable Care Act Marketplaces

On November 1, 2018, the sixth open enrollment period for the Affordable Care Act (ACA) health insurance Marketplace began. Just as with the fifth open enrollment period, outreach and enrollment for the ACA under the Trump Administration looks very different than it did prior to 2017. In particular, earlier this year, the Department of Health and Human Services announced that they would be cutting funding for navigators, groups that help people enroll in plans available through the Affordable Care Act, for the second year running. The funding was reduced to $10 million (total) for 2019, from $36 million for the 2018 open enrollment period. For comparison, the funding for navigator programs and enrollment and other outreach was $62.5 million during the fourth open enrollment period under the Obama administration.


Funds for advertising and promotion were also reduced from $100 million under Obama to $10 million, as announced in late August 2017, with television advertising for the Marketplace completely eliminated. For the current 2019 enrollment period, navigators have also been encouraged to inform consumers about other non-ACA compliant plans, including association health plans and short-term limited-duration insurance. The Trump administration has justified the cuts to the enrollment and outreach spending by noting that consumers can learn about their health plan options through digital marketing and many other mechanisms, including from high levels of advertising by insurance companies and by private-sector brokers and agents.

This response prompts an important question: what are the trends in volume and content of advertisements from non-federal sponsors? We sought to answer this question by examining the volume of health insurance advertising from all sponsors over time and providing a detailed description of the volume of advertising during the most recently completed (fifth) open enrollment period. (The fifth open enrollment period for federally-facilitated marketplace states was from November 1, 2017 to December 15, 2017). In addition, we examined the specific messages aired in advertisements from non-federal sponsors during this time frame.

Advertising data came from Kantar Media/CMAG and included every English-language ad categorized by Kantar Media/CMAG as about health insurance that aired between from May 14, 2013 to December 15, 2017 on broadcast television, as well as national network and national cable. The data included the Kantar-provided sponsor name and the date, time, and station of airing. We categorized sponsors as private, federal, state, or other; the latter category included ads sponsored by non-profit advocacy organizations and public service announcements.  For the fifth open enrollment period only, we further categorized the sponsor as a health insurance company, a health insurance company that is integrated with a health care delivery system, , health system or hospitals, and brokers or insurance agencies. The sponsor categories provided by Kantar were verified by two independent coders who reviewed the creatives and, if necessary, re-categorized them.

To assess the specific messages conveyed in the advertising from the fifth open enrollment period, 6 trained coders viewed all 1,025 creatives that had been aired a total of 338,018 times across the United States during this time period (November 1-December 15, 2017). Ads ranged from 10 seconds to 2 minutes. We constructed and applied a coding instrument to track the policy-relevant content in advertising. 

This was an abbreviated version of a more comprehensive coding process we implemented for ads aired from 2013-2016 which was recently published, and included the following variables: whether the ad focused on Medicare, whether the ad mentioned “enrollment” or “enroll”, Medicaid, or the existence of penalties or fines for not enrolling. In addition, we tracked whether the ad described insurance as low-cost or affordable, referenced the availability of preventive services, and mentioned deadlines by which to enroll. Given that we found significant declines in the likelihood of health insurance advertising mentioning the ACA between 2013 and 2016, we also tracked whether the following terms were mentioned: ‘healthcare.gov’, ‘the ACA’, ‘Obamacare’, or the ‘health care law’. We calculated kappa statistics (a measure of coder inter-rater reliability) and all variables reported here exceeded a kappa of 0.70, indicating good agreement among the coders.

Exhibit 1 shows the weekly volume of insurance advertisings by sponsor, from 2013 through the end of 2017. One important caveat to keep in mind when interpreting the figure is that Exhibit 1 displays the volume of all health insurance ads identified by Kantar Media/CMAG that aired over the period; the figure is not limited to airings by insurance companies that were marketing products available on the Marketplace versus off-Marketplace nor does it exclude ad airings of Medicare Advantage products or employer-sponsored insurance plans. A few patterns are worth noting. First, the 2013-2014 open enrollment period demonstrates a strikingly different pattern than the following periods, both in terms of the length of the open enrollment period (6 months) and the proportion of federal ads among the total. This suggests that it is likely inappropriate to extrapolate relationships between advertising and insurance outcomes in 2014 to the more recent periods.

Still, across all five open enrollment periods, private sponsors (insurance companies, brokers, health care systems) contributed the majority of advertising. Second, the majority of health insurance ads aired during time periods that correspond with the ACA open-enrollment periods (however, note that increases in airings preceded the start of the open enrollment period, likely those were for Medicare Advantage or other health insurance plans). Third, the most recent enrollment period had the highest peaks in weekly volume, but the peaks occurred during a shorter window of time, given that the fifth open enrollment period was only 45 days.

Next, we examined the content of ads aired during the most recently concluded enrollment period. Among the 338,018 total airings, 3.4 percent (n=11,592) had errors in the video that prevented us from coding them. After removing these airings, 1,507 were airings of federally-sponsored ads, of which 97 percent were for Medicare, 3 percent were for the Children’s Health Insurance Program, and none (as expected) were for healthcare.gov. Among the others, 29,631 airings were from state marketplaces, 293,939 were from private sponsors, and 1,349 airings were from other sponsors, like health advocates. 

Within the private sponsor category, more than two-thirds of airings focused on Medicare plans. While such ads could still serve as reminders to consumers under age 65 about enrolling, we restrict our remaining content analysis to the non-Medicare focused airings. Among the non-Medicare ad airings by private sponsors, the majority (87.6 percent) were sponsored by insurance companies; the remainder were from health systems that were integrated with insurance providers (e.g., Kaiser) (9.4 percent), health systems (0.7 percent), and insurance brokers or insurance agencies (2.4 percent).

Exhibit 2 reports the frequency with which ads aired included key policy-relevant messages. Almost no ads mentioned Medicaid (<1 percent total) and very few mentioned the existence of penalties or fines for not having health insurance (around 2 percent of airings total, and 2.9 percent of private-sponsor ads). More ads (26.7 percent) referenced affordability of plans, more in state Marketplace ads (43.0 percent) and other sponsors (47.1 percent) than in private sponsor ads (21.5 percent). State-based marketplace ads frequently mentioned free or low-cost preventive services available (benefits attributable to the ACA regulatory changes); this appeal was rarely mentioned in other types of ads. Ads explicitly encouraging people to enroll (using words enroll or enrollment) were relatively common; almost all of the ads by advocate / other sponsors included such an appeal, as did three-quarters (76.8 percent) of state ads, and 22.5 percent of private sector ads.

While it is difficult to distinguish in this type of content analysis which ads, particularly among those sponsored by private insurance companies, have the potential to drive consumers to enroll in the ACA Marketplace, references to the individual Marketplace deadline (December 15, 2017) or referring to the ACA (whether by name or as Obamacare or health care law) offer a clue. Just over 1 in 4 (27.4 percent) ads sponsored by private insurers referenced the December 15 deadline, but only 5.7 percent referenced the health care law explicitly. For comparison, from 2013-2016, we found that 38.8 percent of insurance company ad airings mentioned the health care law, although there were significant declines in references to the law from the 2013-2014 period to the 2015-2016 period.

Consumers in the upcoming 2019 open enrollment period are likely to see high volumes of health insurance ads, if the trends reported in Exhibit 1 persist. Although in many places, they may be crowded out until after the 2018 midterms given the high volume of political advertising. The majority of these ad airings will be from health insurance companies (although states operating their own marketplaces are pursuing creative enrollment approaches as well). 

Our analysis of the 2018 period suggests that while the volume of advertising was high overall, the messages in these health insurance company ads were unlikely to fill the gap in messaging left by federal marketing. First, as noted in media reports, the goal of health insurer ads (as differentiated from navigators’ assistance and/or healthcare.gov marketing) is to promote a particular product, not the Marketplace in general. 

Advertisements for non-ACA compliant plans are also likely to appear during the 2019 open enrollment period. Second, while some ads aired in 2017 did include messages about the federal deadline for enrollment, three-quarters did not, suggesting the ad appeals were not targeted to consumers using the federal Marketplace; they also rarely noted the still-in-existence penalty for not enrolling in health insurance. Third, few ads explicitly referenced the ACA, continuing a trend we observed in our recent research of private sector “submerging” of the federal government role in health insurance expansions. 

These messages that consumers see will, along with other policy changes, likely influence enrollment. These messages also have political consequences for how the public understands the role of the ACA in shaping the health insurance options available to them in a rapidly changing political and health insurance environment.

Acknowledgements

We thank our Wesleyan Media Project coding team, including Sofia Headley, Dolly Haddad, Helen Klass-Warch, Daniel Meek, Ben Sullivan, and Sophie Townsend. We previously presented these findings at the June 2018 AcademyHealth Annual Research Meeting. We also acknowledge collaborators and co-authors on our paper available in advance view now in the Journal of Health Politics, Policy and Law referenced in this post, including Sachini Bandara, Kimberly T. Arnold, Jessie K. Pintor, Jeff Niederdeppe, and Pinar Karaca-Mandic.

Can Your Small Business Afford to Risk the Imminent Threat of a Cyber Incident?

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You can make a request for this information by emailing us at privacy@jdsupra.com or by writing to us at:

Some browsers have incorporated a Do Not Track (DNT) feature. These features, when turned on, send a signal that you prefer that the website you are visiting not collect and use data regarding your online searching and browsing activities. As there is not yet a common understanding on how to interpret the DNT signal, we currently do not respond to DNT signals on our site.

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If you would like to change how a browser uses cookies, including blocking or deleting cookies from the JD Supra Website and Services you can do so by changing the settings in your web browser. To control cookies, most browsers allow you to either accept or reject all cookies, only accept certain types of cookies, or prompt you every time a site wishes to save a cookie. It's also easy to delete cookies that are already saved on your device by a browser.

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We may update this cookie policy and our Privacy Policy from time-to-time, particularly as technology changes. You can always check this page for the latest version. We may also notify you of changes to our privacy policy by email.

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La Grange Business Association Plans Hometown Holiday

LA GRANGE, IL – Small businesses in the village of La Grange are partnering with the La Grange Business Association to host a season of events with a six-week campaign called 'Hometown Holiday' that encourages residents and visitors to shop in La Grange and celebrate with activities that bring people together.

"With a strong economy and the recent addition of several new businesses in La Grange, residents and visitors have a tremendous opportunity to support small and independent businesses by shopping throughout La Grange this holiday season," village of La Grange President Tom Livingston said in a release. "When you shop small, you get to know the store owners and team members; you are supporting their livelihoods and helping them fulfill their entrepreneurial dream."

La Grange merchants will offer a variety of experiential attractions in the Hometown Holiday campaign, the business association said. From taking classes on creating your own seasonal tablescape, to making one of a kind artwork, to mastering your perfect signature cocktail, you can experience it all.

The Hometown Holiday campaign provides an incentive for people to support small neighborhood businesses through the holidays and into the new year. The business association said shoppers are encouraged to spend $300 with a minimum of three merchants in the village of La Grange. The first 100 individuals to turn in original receipts ($20 minimum per receipt) totaling at least $300 will receive gift certificates valued at $50 to spend at participating LGBA businesses. Shoppers are encouraged to spend locally between Nov. 24 and Dec. 31.

And there is even more to do in the Village this holiday including:

Davenport man charged with insurance fraud

Dustin Cory Jungvirt

A Davenport man faces a felony charge of insurance fraud-presenting false information after an investigation by the Iowa Insurance Division Fraud Bureau.

Dustin Cory Jungvirt, 28, of Davenport, was arrested Wednesday by the Davenport Police Department; he was released from the Scott County Jail Thursday on his own recognizance and placed on pretrial supervision.

He will be arraigned Nov. 29.

On Dec. 20, Travelers Indemnity Company submitted a fraud referral to the Iowa Insurance Fraud Bureau that alleged that Jungvirt submitted false information when making a renter's insurance claim, according to an arrest affidavit filed by the insurance fraud bureau.

His home had been burglarized on December 11, but he did not have a renter's insurance policy at the time, according to the affidavit.

On Dec. 13, Jungvirt applied for and received a renter's insurance policy through Travelers with a policy inception date and time of 12:01 AM on Dec. 13, according to the affidavit.

At 4:07 p.m. the same day, he submitted a renter's insurance claim to Travelers and made statements claiming that the burglary occurred on Dec. 13 during the early morning hours, which was after the policy inception date and time, according to the affidavit.

Davenport police records showed that the Jungvirt reported that the burglary occurred on December 11, not December 13 as he told Travelers, according to the affidavit.

A warrant was issued for Jungvirt in September.

Insurance fraud-presenting false information is a Class D felony punishable by up to five years in prison.

Iowans with information about insurance fraud are encouraged to contact the Iowa Insurance Division’s Fraud Bureau at 515-242-5304.

Prosecutor: Son charged with killing father is the sole life insurance beneficiary

A Capital University student is being held on $5 million dollars surety bond in connection with the June 2017 murder of his father Dr. Kevin Lake. Jonah Bryce Lake, 20 appeared in court before a magistrate on Friday and pleaded not guilty. (WSYX/WTTE)
COLUMBUS, Ohio —

A Capital University student is being held on $5 million dollars surety bond in connection with the June 2017 murder of his father Dr. Kevin Lake. Jonah Bryce Lake, 20 appeared in court before a magistrate on Friday and pleaded not guilty.

“We believe there is strong evidence powerful people had a motive to kill the decedent Dr. Kevin Lake,” said his defense attorney Terry Sherman.

Kevin Lake was awaiting sentencing after he made a plea agreement for owning and operating a pill mill in South Columbus. Lake had a date to testify against his co-conspirators before a federal grand jury.

Franklin County Prosecutor Ron O’Brien said “the thought initially was that someone in connection with that whole conspiracy had caused his death. There were several red flags that conflicted with the story that was given by the son initially once they ruled out the hit,” O’Brien said.

Prosecutors said Jonah is the sole beneficiary of over $10 million in life insurance. Jonah, a student a Capital University who has been on the Dean’s List, stands accused of shooting his father five times while he was in bed. Jonah called 9-1-1 that summer morning from their New Albany mansion. “I heard gunshots downstairs and my dad is not responding. We had an intruder the other night.”

A search warrant at the home turned up evidence that prosecutors said incriminated Jonah. “There were computer searches done by the defendant on how to disappear completely.”

Some of Jonah’s friends went to the courthouse. They said it was to show support for him. At Capital University, Nadia Lynch said she has been in classes with Jonah and would never have thought there could be a murder suspect among students.

“I am shocked. I can’t imagine anyone wanting to do something like that. We will have to see what the evidence shows in court.”

Detectives said Jonah tried to cover up the murder by staging a home invasion. Susan Lake, also a doctor, told detectives she had left for work when her husband was shot. Susan was not in the courtroom when her son was charged on Friday.

Health Insurance Exchange Enrollment Is Back. Here's What You Need To Know.

It’s open enrollment season again for Americans who shop on the Affordable Care Act’s health insurance exchanges to buy coverage. It’s a complicated, often confusing process for many people, especially those who may be using a health insurance exchange for the first time.


Health care — the ACA in particular — has been fodder for political debates this election year. But the ACA is still the law, and it still comes with benefits and responsibilities.

Here are some basic facts about the exchanges, how they work, how to get financial help for insurance and how to find out about other options.

Health Insurance Exchanges

These marketplaces are intended for people who aren’t offered health benefits from their employers and aren’t enrolled in some other form of coverage, such as Medicare or Medicaid.

The exchanges are the primary way eligible people can apply for financial assistance to reduce their monthly insurance premiums and out-of-pocket costs.

Some exchanges are operated by states, others by the federal government and others by both levels. Residents of most states use HealthCare.gov or CuidadoDeSalud.gov, the Spanish-language version. The state-run exchange websites are listed here.

On these websites, people enter their personal and financial information to sign up for comparison-shopping of health insurance policies and benefits and to apply for subsidies. Those eligible for other government health care programs may be able to apply through an exchange, or the exchange may refer them to a state or federal agency.

Consumers who can’t access the internet or don’t want to enroll online can do so by phone or in person. The phone number for people in HealthCare.gov states is (800) 318-2596, and the state-run exchanges have their own hotlines. Insurance agents and brokers, as well as other enrollment counselors, can help people in person, and none of them charge consumers for that assistance.

Because of large budget cuts imposed by the Trump administration, however, there will be many fewer counselors available to consumers who use the federal exchanges this year, making it crucial for customers who want help to act before there is a rush near the deadline. State-run health insurance exchanges have not instituted similar cuts.

Shoppers using some online insurance brokers or buying directly from some insurance providers can bypass HealthCare.gov and apply for coverage and financial assistance directly with those companies. These websites may not include all the policies available on the health insurance exchanges, however, but they may include plans not sold on the exchanges, as well as alternative forms of coverage. Participating brokers include eHealth, GetInsured, GoHealth and Health Sherpa. A handful of insurers, such as Centene and Oscar Health, also offer this service.

Deadlines To Enroll

The deadlines for enrolling in a health insurance plan for next year are different from last year in some states, and consumers in most states have less time than they did in previous years, so start your shopping and application process as early as possible.

On the federally run health insurance exchanges accessed via HealthCare.gov in 39 states, open enrollment begins Nov. 1 and ends Dec. 15. Residents of the following states with federal exchanges must enroll before the end of that period:

Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming.

The state-run exchanges in Connecticut, Idaho, Maryland, Vermont and Washington have the same enrollment period, Nov. 1 to Dec. 15.

Open enrollment also begins Nov. 1 at the remainder of the state-run exchanges (except California, where sign-ups began Oct. 15), but the end date varies:

In states with final deadlines in January, people who want their health insurance to be in place at the beginning of the year must enroll during December; those deadlines vary by state. Policies selected in January won’t be active until February.

After those deadlines pass, you can’t purchase exchange-eligible health insurance until the next open enrollment period, except under special circumstances, such as having a baby or moving. Other types of coverage, such as short-term policies, may be available at other times.

The Individual Mandate

As part of the tax bill President Donald Trump signed into law last December, the fines some people owed in past years if they did not have health coverage will be repealed in most states in 2019.

But residents of Massachusetts, New Jersey and the District of Columbia will still be liable for penalties if they do not obtain health coverage. Fines and exceptions differ in those states. Vermont will impose an individual mandate and penalties in 2020.

Financial Assistance
The ACA offers two kinds of subsidy, both linked to household income.   

The first is premium tax credits, offered to anyone using a health insurance exchange who has an income ranging from the federal poverty level to four times that amount, or about $12,000 to about $49,000 for a single person. The federal government sends the money directly to the health insurance company, and the policyholder pays the difference between the subsidy and the full price of the insurance. Tax credits may not be used for catastrophic plans, insurance policies that are available only outside an exchange or other types of coverage like short-term plans.

The second type of help is cost-sharing reductions, which lessen the amount a person pays out of pocket for health care by doing things like shrinking the deductible and any co-payments required by the insurance company. These are available to people with incomes between the poverty level and 250 percent of poverty, or about $12,000 to about $30,000. Cost-sharing reductions are available only for plans sold on a health insurance exchange. In addition, consumers must choose a midrange Silver plan to receive this subsidy.

Last year Trump stopped reimbursing health insurance companies that provide these cost-sharing reductions. But the law still requires insurers to reduce cost sharing for eligible consumers. The insurance companies aren’t getting paid, but the subsidies didn’t go away.

Health Insurance ‘Metal Tiers’

There are four main types of health insurance plans sold on the exchanges: Bronze, Silver, Gold and Platinum. There are also high-deductible catastrophic plans mainly available to people younger than 30.

As the metal names indicate, the plans tend to get more generous and more expensive as you go from Bronze to Platinum. The big difference is how much out-of-pocket spending policyholders must do before most of their benefits kick in. That’s calculated using what’s called actuarial value, which is a way of estimating what percentage of a typical person’s medical costs the insurance pays and how much the patient pays. The metal tiers in general break down like this:

Catastrophic plans have an actuarial value that’s almost the same as that for Bronze plans, but premiums often are lower because only those younger than 30 may buy them (with limited exceptions), and younger people tend to be healthier.

Premium Increases

There’s good news and bad news about health insurance exchange plan rates for 2019. The good news is that the average price of benchmark plans ― the second-cheapest Silver plan in each geographic area ― is 2 percent lower than it was this year, according to data from the Department of Health and Human Services on the 39 states that use the federal exchanges. The prices for these plans are used to calculate the size of the subsidies available to people who qualify, so it’s a good measure of premiums overall. The average unsubsidized monthly premium for benchmark plans is $405, down from $412 in 2018.

Subsidized customers will pay less, often significantly less, depending on their incomes. About 80 percent of people who qualify for premium tax credits will be able to find plans that cost $50 to $100 a month, according to Get America Covered, which promotes health insurance enrollment.

The bad news is that although unsubsidized premiums are slightly down for next year, prices are still high because the increases insurers imposed in previous years were so large. Average benchmark premiums are 85 percent higher than they were for 2014, the first year the exchanges were open. In the first few years, insurers miscalculated how expensive their customers would be and didn’t charge enough to cover their costs. After large rate hikes for 2018, insurers became more profitable, making additional large increases this year unnecessary overall.

Since exchange enrollment began in 2013, affordability has been a major concern, especially for those who qualify for little or no financial assistance. Health insurance companies initially anticipated a healthy, less expensive pool of customers. But the medical costs of those who enrolled were higher than expected, leading insurers to raise rates.

These averages and general trends, however, mask a great deal of variation among markets. Some customers will see premium decreases, while others will see large increases. Statewide average premiums for benchmark plans tell part of the story. The highest is in Wyoming, at $709 a month, and the lowest is in Indiana at $280.

There are more insurance companies participating in the federal exchanges this year, which means more choice for some consumers, although insurers exited some markets. In federal exchange states, 155 insurers are selling policies for 2019, up from 132 this year. That’s still fewer than in 2014, when 187 companies participated. There are five states ― Alaska, Delaware, Mississippi, Nebraska and Wyoming ― with only a single carrier on their exchanges for 2019, down from eight this year.

Exchange customers need to shop around to find the best deals, even if they’re satisfied with their current plans and would like to keep them. The best bargain for 2018 won’t necessarily be the best bargain for next year.

Consumers who qualify for tax credits to reduce their premiums are mostly shielded from premium increases because the subsidies rise to cover the additional cost. More than 80 percent of exchange customers receive these subsidies.

But people who earn too much for financial assistance must bear the full cost. For those consumers, better deals may be available from insurance companies that offer other policies off the exchanges. These policies can be reviewed at insurance company websites and through insurance brokers.

Another complicating factor relates to the Trump administration’s halting of payments to insurance companies with customers who receive cost-sharing reductions. In order to make up for the lost revenue, insurers in most states applied much larger premium increases to Silver plans for this year and next year, because those are the plans that people eligible for cost-sharing reductions must buy. 

For those who earn too much for that benefit ― whether they get subsidies for their premiums or not ― that means that Gold plans will sometimes be cheaper than Silver plans. As a result, consumers might be able to get more generous coverage at a comparable price. For subsidy-eligible customers, higher Silver prices mean bigger subsidies, which people may be able to use to get Bronze plans for little to no cost.

Medicaid, CHIP And The Basic Health Program

Depending on your income and other factors, you or the children in your household may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). Generally, the federal-state programs are intended for low-income individuals and families. In most states, there is no monthly cost, and out-of-pocket expenses are limited.

The eligibility criteria vary by state and usually are different for the categories of people who may enroll in Medicaid or CHIP. Those include children, parents, pregnant women, people with disabilities and elderly nursing home patients. Children in families with incomes as high as four times the poverty level (about $83,000 for a family of three) may enroll in one of these programs, depending on the rules in their home states. In states that didn’t expand Medicaid eligibility under the ACA, adults who qualify under older criteria (such as pregnant women, parents or people with disabilities) must have lower incomes to qualify.

The ACA called for a Medicaid expansion across the nation to open up the program to all working-age adults, including those with no children, who earn up to 133 percent of the poverty level (about $16,000 for a single person). But the U.S. Supreme Court ruled in 2012 that states could refuse the Medicaid expansion.

Expanded Medicaid is available in 33 states, including Virginia, which adopted the policy this year and is accepting applications beginning Nov. 1. Maine voters approved a ballot initiative last year to expand the program, but it has not gone into effect yet. In Maine and the 17 states that have not expanded Medicaid, people with incomes below the poverty level are ineligible for subsidies to make private health insurance less expensive.

Some states use different names for Medicaid and CHIP. In Wisconsin, for example, Medicaid is BadgerCare, and in Vermont, CHIP is called Dr. Dynasaur.

In Minnesota and New York, residents with incomes up to twice the poverty level (about $24,000 for a single person), may be eligible to enroll in the ACA’s Basic Health Program. These benefits are called MinnesotaCare and, in New York, the Essential Plan. No other states have opted to create these programs.

Alternative Coverage Options

The Trump administration has prioritized making other types of coverage more available to consumers who don’t want to use a health insurance exchange or can’t find policies they consider affordable.

Most significantly, the federal government has relaxed the rules governing the sale of so-called short-term, limited-duration plans. Previously, short-term plans could be issued for no more than three months; now they may last up to 364 days.

These policies do not have to meet the ACA’s standards for included benefits, and insurers are permitted to reject people with pre-existing conditions, charge them more than healthier people or refuse to provide coverage for specific medical needs. They might not include coverage for services like prescription drugs, mental health or pregnancy.

Because of the skimpier benefits and fewer costly sick customers, people with healthy medical histories may be able to find plans that are less expensive than policies sold on the exchanges or ACA-compliant policies sold off the exchanges.

Those savings on premiums come at a cost, however, in the form of less coverage and greater exposure to uncovered medical costs. In addition, insurers may refuse to renew these policies at the end of their term on the basis of customers’ health.

These deregulated short-term plans aren’t available everywhere. California, Hawaii, Massachusetts, New Jersey, New York and Oregon prohibit them.

Look Out For These 5 Residential Complexes In Greater Noida - Look Out For These 5 Residential Complexes In Greater Noida - Greater Noida is booming in the Indian realty market, with smart investors from all over the NCR looking to get in on the action. Located near east Delhi, this region has quickly become one of the most popular areas in NCR for property investment.

Major IT companies such as Tech Mahindra, IBM, HCL, and Dell make this region a great employment hub, further enhancing demand for residential property.
Here are a few upcoming residential complexes in the region that you should get to know.

Unitech Verve
Spread over an 8.13-acre piece of land with 80% open space, this property offers a modern lifestyle among lush greenery. It has 6 towers with 363 apartments, and amenities that include a tennis court, a swimming pool, and a children’s play area. The project offers you 2 and 3 BHK units that range from 1588 to 1785 sq. ft. in area, which makes them quite spacious.

Amrapali Terrace Homes
This property is spread over 70 acres, with 6 blocks offering 2, 3, and 4 BHK apartments. Open space makes up 75% of the total property, which is strategically located near the Yamuna Expressway and the Noida-Greater Noida highway. Amrapali Terrace Homes gives you the standard set of amenities, in addition to unique play areas built for various sports. This property is located near the famous MS Dhoni Sports Academy, which makes it a natural choice if you’re a cricket lover.

Supertech Oxford Square

This luxurious project is replete with great features such as terrace gardens, and you can choose from a selection of 2, 3, and 4 BHK apartments. The project also offers other amenities such as state-of-the-art security, extensive internal roads, gated community-style living, and a shopping complex.

Gulshan Bellina
This property is located among verdant surroundings that give it great aesthetic appeal. With the smooth connectivity afforded by its location on the Noida-Greater Noida Expressway, your commute will be breeze. At Gulshan Bellina, you get the best of both worlds: the serenity of a beautiful natural setting as well as a posh metropolitan ambience. You get to choose from 2 and 3 BHK apartments that come in convenient sizes and prices.

Parsvnath Palacia
Located far away from the crowds and noise of the NCR and yet close enough to leading commercial centers, this property is one of a kind. You can pick from a number of in-demand 2 BHK apartments. Known its modern amenities, Parsvnath Palacia allows you to balance your family and work life.


By  ramyamane