Retirement Planning Services PA 15754 WASHINGTON The U.S. Department of Housing and Urban Development (HUD) announced today that it is awarding $38 million under its Fair Housing Initiatives Program (FHIP) to confront discriminatory housing practices. Source link Tags: ... Tags:
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The U.S. Commodity Futures Trading Commission (CFTC) announced today that CFTC Chairman Timothy Massad signed a Memorandum of Understanding (MOU) with the Comisin Nacional Bancaria y de Valores (CNBV) and the Banco de Mxico (BDM) regarding cooperation and the exchange of information in the supervision and oversight of certain regulated entities that operate on a cross-border basis in the United States and in Mexico. Source link Tags: steve azoury,life insurance,annuities,investment,insurance,financial planning,steven azoury,northwestern mutual financial network,financial advisors,azouy financial,investment services Personal Finance Services Wilmington Pike Glen Mills PA The U.S. Commodity Futures Trading Commission (CFTC) announced today that it approved a proposed rule that would add an alternative for foreign natural persons to the requirement to provide fingerprints when applying for CFTC registration. Source link Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant... Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant CPA Advisor Mission Viejo CA 92691 Bullet proof doors have been used for years in financial institutions, but companies are now choosing this type of glass door to protect their companies on a daily basis. As with any type of glass, these do come with advantages and disadvantages, which you need to take into consideration before making a decision. The main advantage to bullet proof doors is the strength. These doors are exceptionally strong, enabling them to withstand heavy impact, including bullets. Due to their strength, these are exceptionally durable and will last for many years. They are thicker than most other glass doors, which add to their appeal, making staff and customers feel safer. This means that bullet proof doors improve safety in the work environment. Staff at counters is able to lock the doors and feel completely secure should they feel threatened in any way. The biggest advantage is that these can make it more difficult for burglars trying to access your property once everyone has gone home. In most cases this type of material is used for banking institutions and jewelry stores, any company that stores high value goods which appeal to burglars. It can help reduce the risk of theft, while also keeping staff and customers safe. Because of the durability of this material, rocks, stones, bullets and other heavy objects won't get into the premises when bashed on the glass. A gunman can stand and fire a shot directly at the doors without compromising the people inside. This is a huge advantage to high risk businesses. Of course with bullet proof doors come a few disadvantages as well. While they are exceptionally appealing and used by high risk businesses throughout the world, they can break after repeated impact. What this means is that over time they will eventually start to wear, which you would expect from any type of glass material. The good news is that this type of material will take longer to wear, unless it's constantly being bashed on a daily basis by heavy objects. The next disadvantage is the price. Because bullet proof glass doors are thicker than the average glass material and offers the added security you would expect from this material, the price is inflated. While it may seem a lot of money to pay for an entry to your property, think of how these can help you save money in the long run. If you didn't have this material in your entry way, burglars would get easy access into the property without much effort, making it easy for them to steal valuable items before the police could reach them. You need to always take the return on investment into consideration when looking to purchase bullet proof doors. Take the price of the doors and work out how much you will save against theft and safety of your customers and staff. You'll be amazed how these long lasting doors can make such a difference to the overall security of your company on a daily basis. Don't purchase your doors from any company. Always do some research to ensure the company is able to supply, install and repair them if necessary. This means you only have one company to call when you need repairs or installation done. Further check to see if the glass companies you are thinking of has the necessary licenses and insurance in place, offering you that added peace of mind you need when you allow workers into your property. Always check to determine if they offer an emergency service. Some of these repair companies will offer their services twenty four hours a day, seven days a week, which is essential should you open for extended hours at certain times of the year. Source by Gary Rosenberger Tags: tax,cpa,business,accountancy,james howard,accountancy corporation,james d howard,james howard an accountancy The application of the principles of finance to an individual's or family unit's monetary decisions is called personal finance. There are many aspects to personal finance, and they include but are not limited to checking and savings accounts, credit cards, consumer loans (car loans, mortgage), market investments, retirement plans, and insurance policies. A great personal finance tip that can help you save money is to sublet a room in your house that you aren't using. If you have a spare room in your house that you aren't using, you can make a good amount of money by subletting it to someone that's interested. Do you often spend too much at the grocery store? To save money and calories, make a shopping list and stick to it. Make a weekly menu and write up a list of what you will need for the week. Buy only what you need and resist the temptation to buy impulsively. And if you really want to save, leave the kids at home! Create a budget and stick to it. Make a note of your spending habits over the course of a month. Track where every penny goes so you can figure out where you need to cut back. Once your budget is set for the month, if you find you spend less than planned, use the extra money to pay down your debt. The first step in managing your personal finance is to pay down your debt. Debt carries interest, and the longer you hold on to debt, the more interest you will have to pay. You may also pay penaties if payments are overdue. So to rein in the runaway interests, pay off your debts as soon as possible. When you have done that, then you can start saving. Keep your credit card receipts and compare them to your credit card bill each month. This allows you to spot any errors or fraudulent purchases before too much time has elapsed. The sooner you deal with problems, the sooner they are corrected and the less likely that they will have a negative impact on your credit score. Buying and selling stock can be a good way to boost ones personal finance provided they do it in an educated way. If one does not put research behind their stock decisions then there is no guarantee that one will stand to make any profit from their investment that they have made. Eliminate unnecessary credit cards. You do not need to have a multitude of credit cards open on your credit report. This costs you a lot of money in interest fees and drags down your credit score if you have them all above 20% of the available maximum balance. Write the creditors a letter and pay off the balance. Personal finance is a way to address the various uses of monetary resources allocated to an individual or family unit. It takes into account the ways in which the monetary resources are obtained, budgeted, saved, or spent over time and also encompasses the various financial risks and possible future events. Tags: Facts about a Savings Account Savings Bank Accounts are the simplest of bank accounts that one can open. They are meant to promote the habit of saving among the citizens while allowing them to use their funds when required. Savings Bank Account can be opened in the name of an individual or in joint names of the depositors. The minimum balance to be maintained in an ordinary savings bank account varies from bank to bank. Public sector banks require a cheaper minimum balance compared to private banks. Things to Consider While Opening a Savings Account It is advisable to seek the following information from bank before opening the account: Minimum balance requirements. Penal provision in case the balance falls below the minimum stipulated amount Bank charges applicable e.g. ledger fees Any extra fees chargeable What other benefits are offered by the bank e.g. loan facilities and banking flexibility . Document Required For Opening a Savings Account (this might vary from one bank to the other) Two passport size photographs Legal form of identification e.g. Identity Card, Passport An introduction letter that acts as a referee from an existing account holder. Minimum opening balance Some of the advantages of a Savings bank account Savings account provides very high levels of liquidity. Every day, any time 24 hours, 7 days a week, you have the rights to withdraw your money via email if the bank is closed. There is interest paid annually on savings account and this varies from one bank to the other. Savings bank account also provides a saving for the future. Source by Sarah Mutuku The easiest method to see which account suits yours requirements is to research the top features of a checking account online and in addition in person, therefore develop a listing of concerns you could compare the many functions against. There are lots of important functions that you could hear being used by finance companies and web financial articles, so if you're unaware of these financial terms, making an educated choice as to for which you need to keep your cost savings may show to be rather tough. The normal essentials that you ought to consider are interest rates, minimum monthly balances, the sheer number of limitless deals, ATM accessibility, cheque book choices, web financial solutions and opening build up and balances, as put down below: interest levels cost savings accounts are desirable due to the fact cash that is put into these accounts receives mortgage loan, making you from your cost savings. Sometimes the interest rates are increased, depending on how much cash is in the account. The greater amount of profit the family savings, the greater the interest rate could be. Minimum Monthly Balances Some finance companies charge a charge for consumers that do n't have enough profit their particular bank accounts. Unless you possess monthly minimum stability, you will then be recharged. Some finance companies try not to charge this cost, therefore it could be rather advantageous to find the one that does not charge this cost in case you are not able to keep the minimum quantity in your account. infinite Transactions financial deals usually refer to build up and distributions through the account. Some finance companies put a limit on these deals while others try not to. If you make numerous build up and distributions per month you might opt to seek an unlimited quantity for the account, however if that you do not, then the wide range of deals may not be a significant function available. ATM Access Being able to withdraw your hard earned money whenever you want for the time can be quite useful. ATM cards are normally offered on producing a savings account. Cheque Book Alternatives Cheques are a great way to spend whenever you don't carry cash and you also cannot spend along with your charge card. on line Banking Services with one of these solutions, you are able to log into the account and check your deals, pay bills or transfer cash to other accounts. Not must you wait for your bank statement to arrive within the mail, as possible have 24-hour use of your web family savings. starting build up and Balances When you start your account, some finance companies may necessitate that make a minimum opening deposit or stability. Unless you have lots, don't let yourself be frustrated, as some finance companies don't require an opening stability or deposit. These important functions are available in both personal web cost savings accounts and traditional cost savings accounts. Origin by Elizabeth Mclean Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant WASHINGTON The United States Mint will offer you items featuring The united states the gorgeous Quarters Program coins honoring Fort Moultrie (Fort Sumter nationwide Monument) in sc beginning on November 14 at noon east Time (ET). Origin link We are committed to continuing our work to strengthen Puerto Rico's health care system and improve health outcomes on the island using available administrative authorities, said HHS Secretary Sylvia M. Burwell. However, a true solution for the 3.5 million Americans living in Puerto Rico, including reforms to strengthen Puerto Rico's Medicaid program, such as raising the federal share of Medicaid funding, requires Congress to act. The U.S. Department of Health and Human Services (HHS) has taken a number of steps to help ensure that residents of Puerto Rico continue to have access to quality and affordable health care. While the bipartisan passage of the Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA, P.L. 114-187) was another important step forward, there is still critical work needed to be done to solve Puerto Rico's health challenges. HHS is committed to using all our available authorities to address this crisis including by making investments in Puerto Rico's health care system, responding to the spread of the Zika virus, and making improvements to the Commonwealth's treatment under Medicare payment systems. However, the most meaningful measures for Puerto Rico, including those needed to avoid the loss of health care coverage for up to 900,000 Americans, will require legislation. The Administration stands ready to work with Congress to take these critical next steps. Medicaid Insufficient and unstable funding for Medicaid has contributed to Puerto Rico's fiscal challenges and endangered access to health coverage. Given the current treatment of Puerto Rico and the other territories under federal law, the 3.5 million Americans living in Puerto Rico have substandard access to health care treatments compared to the rest of the nation. Despite the significant one-time funding increase provided in the Affordable Care Act, up to 900,000 Americans living in Puerto Rico could lose their healthcare coverage when those funds run out as early as December 2017. The Administration has proposed to reform and Strengthen Puerto Rico's Medicaid Program. Specifically, the President's FY17 Budget proposal would make the Medicaid program in Puerto Rico and the other territories like those in States, and is integral to the Administration's broader roadmap to financial stability for Puerto Rico. The proposal puts forward three core reforms to raise the standard of care in Puerto Rico to a level that better aligns with what is available on the mainland, including: Lift the Federal Cap on Medicaid Funding to Puerto Rico and the Other U.S. Territories. Currently, federal Medicaid spending in the territories is subject to an annual limit, which prevents the program from flexibly responding to public health emergencies or growing needs. States are not subject to any annual cap. Raise the Federal Medicaid Share from 55 percent to 83 percent over Time. Currently, the federal Medicaid matching rate for territories is statutorily set at 55 percent. The proposal would immediately increase the federal share to 60 percent and raise it up to 83 percent as Puerto Rico and the other territories successfully strengthen and modernize their Medicaid programs. Expand Eligibility to 100 percent of the Federal Poverty Level. Eligibility in Puerto Rico and some other territories is lower than what it is in states. The proposal would gradually expand eligibility to anyone who is earning less than 100 percent of the federal poverty level Responding to the Zika Virus Zika is a serious public health challenge. In Puerto Rico, as of October 5, 2016, there are more 23,000 cases of local Zika transmission, CDC projects that a quarter of the island's population may be infected with Zika in its first year. Despite this imminent threat, financial constraints have complicated the timely and comprehensive response required. The Zika supplemental funding that Congress included in the Continuing Resolution provides over $100 million in funding to support health centers and providers and reimburse costs of health care for conditions related to Zika in territories with the highest rates of Zika transmission, which will increase Puerto Rico's capacity to respond to emergent and growing health needs. Funding in the legislation will also expand mosquito control programs to reduce transmission of the Zika virus by Aedes Aegypti mosquitos and enhance laboratory capacity for Zika and other infectious disease testing in Puerto Rico and the U.S. Territories. Medicare While reforming Puerto Rico's Medicaid program to provide a higher standard of care is the single most important measure, the Administration has also implemented and proposed several changes to the Medicare program to expand resources for health care providers and ensure beneficiary access to care on the island. Improve Hospital Payments Related to Low Income Patients and Uncompensated Care. In FY 2017, the Centers for Medicare & Medicaid Services CMS will use a new formula to estimate uncompensated care in Puerto Rico hospitals that is expected to increase these payments to Puerto Rico hospitals by 12.6 percent, or $8.4 million. In addition, the FY17 Budget proposes to give the Secretary authority to make a similar adjustment when determining Medicare disproportionate share (DSH) payments for Puerto Rico hospitals to better account for the higher costs of low income patients in Puerto Rico. Increase Payment Rates for Hospitals in Puerto Rico Operating IPPS HHS implemented legislation passed by Congress aligning the formula for operating IPPS payments to hospitals in Puerto Rico with the formula used in the 50 states, increasing hospital payment rates in the Commonwealth by approximately 5 percent. Capital IPPS CMS also made a parallel change to the formula for capital IPPS payments to hospitals in Puerto Rico, beginning in FY 2017. This change is expected to increase payments to Puerto Rico hospitals by $350,000. Increase Payment Rates for Physicians' Services in Puerto Rico. CMS has proposed revisions to the Geographic Practice Expense Indices (GPCIs) that would benefit physicians and other practitioners in Puerto Rico in 2017, which is expected to result in a nearly 10 percent increase in Medicare physician fee schedule payments in Puerto Rico. Supporting a Healthy Medicare Advantage Program. In 2017, at the direction of the Secretary, the CMS Office of the Actuary will adjust the calculation and projection of the Medicare fee-for-service experience in Puerto Rico, which will increase payments to Medicare Advantage plans operating in Puerto Rico, to account for possible underestimation of expenses from the normal rate setting mechanisms. CMS will also implement a revised MA risk adjustment model that will increase the payments made to all plans, not just in Puerto Rico, that enroll a large proportion of full benefit dually eligible enrollees. Based on CMS' modeling, Puerto Rico would benefit more from these changes than any other state or territory. Medicare Advantage and Part D Star Ratings for contracts operating in Puerto Rico. In 2017, CMS will adjust the Medicare Advantage Star Ratings for contracts with a high percentage of dual eligible enrollees, enrollees who receive a Low Income Subsidy, and enrollees with disabilities. This change will benefit health plans in Puerto Rico since it also accounts for the impact of the absence of the Low Income Subsidy in Puerto Rico. In addition, CMS will adjust the weights of certain Star Ratings measures related to medication adherence to recognize that beneficiaries in Puerto Rico do not qualify for the Low Income Subsidy. More detail on additional administrative actions will be made available as part of ongoing rulemaking activity. Strengthening the Health Care System in Puerto Rico The Administration continues to make ongoing investments to improve the quality and accessibility of the health care system in Puerto Rico. From 2009-2016, HHS has invested significant resources in the Commonwealth through programs to expand early childhood education and child care programs; provide access to health insurance and health care services through the Children's Health Insurance Program (CHIP) and Medicaid; support food safety and security monitoring projects, and help people with disabilities and older adults live with dignity and independence. In April 2016, HHS awarded $5 million to 20 HRSA Health Center Program grantees in Puerto Rico to fight the spread of the Zika virus. Health centers are using this funding to expand their outreach, patient education, voluntary family planning services, including contraceptive services, and/or testing and treatment services related to Zika. In 2015 health centers in Puerto Rico served nearly 347,000 people, including more than 84,000 women ages 15 to 45. Services provided include: prenatal care to nearly 3,300 pregnant women; delivery of more than 1,100 babies and contraceptive management services to 11,555 people. Check the box if this news release is a statement by the Secretary or another HHS Official Description: The U.S. Department of Health and Human Services (HHS) has taken a number of steps to help ensure that residents of Puerto Rico continue to have access to quality and affordable health care. While the bipartisan passage of the Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA, P.L. 114-187) was another important step forward, there is still critical work needed to be done to solve Puerto Rico's health challenges. Contact Office Email: [email protected] Source link WASHINGTON The 2016 united states of america Mint Presidential $1 Coin & First partner Medal SetTM Ronald Reagan (product rule 16PF) will likely be available starting on July 5 at noon east Time (ET). Resource link Tags: ... Tags: |
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