Tag: Average

Small Business Loans for Good, Average and Bad Credit #apply #for #a #business #loan


#small business loans

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Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Small Business Loans for Good, Average and Bad Credit

Small business loans can be critical to your success as a business owner. Traditional banks are no longer your only option. From SBA loans to business lines of credit to invoice-based financing, you now have access to many options through online lenders. Find the business financing product that is best for you. Learn about loan/product types .

Business loan type

Expansion, longer-term investments

Business term loans

Large one-time expense

Business line of credit

Ongoing working capital expenses

Filling cash-flow gap

Showing 1 – 16 of 16

Back to results

Loading your loans.

Lender loan type

Min Credit Score

Bank loan

Min Credit Score

Apply Now on SmartBiz’s secure website.

Also recommended

Microloan

Min Credit Score

Line of Credit

Min Credit Score

Apply Now on LendingClub’s secure website.

Term loan

Min Credit Score

Apply Now on LendingClub’s secure website.

Also recommended

Personal loan

Min Credit Score

Term loan

Min Credit Score

Apply Now on Funding Circle’s secure website.

Also recommended

Business credit card

Min Credit Score

Term loan

Min Credit Score

Apply Now on DealStruck’s secure website.

Term loan

Min Credit Score

Apply Now on StreetShares’ secure website.

Line of credit

Min Credit Score

Apply Now on DealStruck’s secure website.

Line of Credit

Min Credit Score

Apply Now on OnDeck’s secure website.

Line of Credit

Min Credit Score

Apply Now on BlueVine’s secure website.

Invoice factoring

Min Credit Score

Apply Now on Fundbox’s secure website.

Cash flow loan

Min Credit Score

Apply Now on OnDeck’s secure website.

Invoice factoring

Min Credit Score

Apply Now on BlueVine’s secure website.

Line of credit

Min Credit Score

Apply Now on Kabbage’s secure website.

*Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

The government-guaranteed business loan program works with banks to offer low interest rates and long-term repayment. SBA loans offer low rates and long repayment terms. But the process is time consuming and the requirements are strict. Only those with great personal credit, strong business finances and the bandwidth to wait for funding should apply. – Loan amounts: $30,000 to $5 million – APR range: 7% to 8% – Good for: large one-time investments, purchasing real estate or equipment, buying existing businesses, refinancing debt

Online lenders offer term loans of up to $500,000. For a short-term loan, the repayment period typically ranges from six to 12 months, while a long-term loan’s repayment can extend up to 10 years or longer in some cases. – APR range: 7% to 98% – Good for: large one-time investments

A business line of credit provides you with access to flexible cash. Lenders give you access to a specific amount of credit (say, $100,000), but you don’t make payments or get charged interest until you tap into the funds. – Credit line range: $2,000 to $500,000 – APR range: 9% to 108% – Good for: managing cash flow, handling unexpected expenses and financing short-term business needs.

Invoice factoring lets your small business turn its invoices (the money owed by customers that has yet to be paid) into immediate cash. You sell the invoices to a factoring company, which then gets paid when it collects from your customers. If you’d rather maintain control over your invoices, invoice financing is an alternative to factoring. – Financing amounts: $500 to $500,000 – APR range: 11% to 64% – Good for: managing cash flow, short-term financing

Only about 1 in 5 businesses that apply for a loan from a big bank are approved. To solve that problem, we work with online lenders that specialize in making the loan application process simple. Plus, they’re faster and offer more competitive rates than many banks.

How does NerdWallet make money?

We make money when you get the funding you need. Some of the loan providers on our site pay us a referral fee when customers like you get approved for a loan. We always try to find the best option for you, even if we don’t have a paying relationship with that lender. We also actively turn down offers from lenders that we feel seek to take advantage of small business owners. Read more about how we make money .

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.


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Average Cost of Life Insurance (2017) #average #life #insurance #cost #per #month


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Average Cost of Life Insurance (2017)

Contents

ValuePenguin recently took an in-depth look at the average cost of life insurance across a number of different policy durations. The largest influencing factor on life insurance prices are the health of the individual being insured. Factors such as whether or not your smoke, and what your height/weight are go a long way towards determining your annual insurance premiums. Individuals that smoke can pay 3-4x the amount that healthier, non-smokers will have to pay in premiums. Of course, life insurers will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, won’t be a contributing factor.

Average Cost of Term Life Insurance by Age

Looking at a 20 year term policy (the most popular option) worth $250,000, we’ve determined what the average annual price is for individuals between 25 and 65. One of the clear takeaways from the table: it’s expensive to smoke! Smokers on average will pay up to 200% more for their life insurance policies than non-smokers. This disparity grows with age with 25 year old smokers paying twice as much for their insurance while 65 year old smokers pay almost 3x as much.

Monthly Life Insurance Cost (Non-Smoker)

Annual Life InsuranceCost (Non-Smoker)

Average Cost of Life Insurance By Term

Below you’ll find the average cost of life insurance broken out by number of years on the policy. Unsurprisingly so, the longer the policy term the more expensive it is. Average policy costs range from $568 per year for a 10 year term policy to $1,528 for a 30 year term policy.

Term Life Insurance Policy Costs

Term life insurance rates are typically the cheapest way for an individual to purchase life insurance coverage. They’re significantly cheaper than insuring with a whole life policy and still provide some flexibility. Our charts below detail 10, 20, and 30 year term life policies so you can see the average cost of each. As you’ll see, fewer policy coverage years equate to a cheaper monthly (or annual) premium.

Life Insurance Rates: 10 Year Term

Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you’re interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won’t require insurance after their ten years of coverage expires. If you need a reminder on what each ‘Rate Class’ entails you can click here and see our description at the bottom of the page.

Life Insurance Rates: 20 Year Term

The most popular term life insurance option on the market, the 20 year term policy provides longer coverage than its shorter-term 10 year counterpart. These policies are usually recommended for young families who often have large debts and expenses, like mortgages and school loans, that would become extremely burdensome if the breadwinner of the family happened to die unexpectedly. Twenty years is typically long enough for the family to substantially pay down these debts and reduce the potential risk of someone else having to foot the bill should something happen. Take a look at the average rates by Rate Class below:

Life Insurance Rates: 30 Year Term

Looking for a longer term life insurance policy? Thirty year term policies will provide you more flexibility but come at a much higher price. However, one of the advantages to a longer policy, such as a 30 year term, is that your premiums remain unchanged even if your health changes over the time period. So if you’re underwritten as a healthy 25 year old and find yourself overweight and out of shape at 50, fear not! Your rates will have been locked in based on your physical health when you purchased the policy. You can see below how much pricier 30 year policies are than your shorter term policy options:

Life Insurance Market Size

The life insurance market has grown by around 30% over the last ten years. Interestingly, the market grew about 28% between 2003 and 2008 before shrinking after the recession in ’08-’09. Since then it’s grown steadily and just surpassed it’s 2008 market size in 2012. Check out our graph below to see how the market has fluctuated in the last decade. All numbers in billions.

*Data from the 2012 NAIC Study

Methodology

Data from this study was sourced from TIAA-CREF. Average life insurance figures were calculated by looking at four policy amounts ($100k, $250k, $500k, and $1 million) across four Rate Classes. The results were averaged to give us the number in the first table. Here’s the breakdown concerning rate classes:

Preferred Plus policies assume no tobacco use in 5 years, no serious medical issues, cholesterol levels below 210, and blood pressure that doesn’t exceed 135/85.

Preferred policies assume no tobacco use in 3 years, above average health, no serious medical issues, cholesterol levels below 250, and blood pressure that doesn’t exceed 135/85.

Select policies assume no tobacco use in 12 months, good health, blood pressure below 140/90, cholesterol below 300.

Standard policies assume tobacco use in the past year, good health, cholesterol below 300, and blood pressure readings below 140/90.

Comments and Questions


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Medical Billing and Coding Salary in California #average #salary #for #medical #administrative #assistant


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Medical Billing and Coding Salary in California

  • 17,470 Number of Medical Billing and Coding Employees in California
  • $40,330 Average Medical Billing and Coding Salary in California
  • $60,180 90th Percentile Salary
  • $24,630 10th Percentile Salary

Salary Averages in Pacific Region

According to the U.S. Bureau of Labor Statistics (BLS), California employs the largest number of professional medical billers and coders in the nation. California is therefore an excellent state for prospective medical billers and coders, as new job openings in the healthcare field are created yearly.

In fact, the BLS reports that California unemployment has decreased, down at 10.8% in May 2012 from 11.2%, which was seen in December of 2011.Education and health service jobs, in particular, have increased since 2011. Below is a list that outlines the current state of employment for medical billers and coders in California, which is derived from information provided by the BLS .

Medical billing and coding job prospects in California are best for professionals who have earned their coding certification. To do so, individuals must take the AAPC medical coding certification exam. The classes that students take as students of medical billing and coding prepare them for this exam, and some even offer the exam as part of the curriculum. Students can receive instruction on campus, online, or in hybrid format.

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Projected Salary in California

Find out what you can expect to earn as a medical biller and coder in California.

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Small Business Loans for Good, Average and Bad Credit #business #printers


#small business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Small Business Loans for Good, Average and Bad Credit

Small business loans can be critical to your success as a business owner. Traditional banks are no longer your only option. From SBA loans to business lines of credit to invoice-based financing, you now have access to many options through online lenders. Find the business financing product that is best for you. Learn about loan/product types .

Business loan type

Expansion, longer-term investments

Business term loans

Large one-time expense

Business line of credit

Ongoing working capital expenses

Filling cash-flow gap

Showing 1 – 16 of 16

Back to results

Loading your loans.

Lender loan type

Min Credit Score

Bank loan

Min Credit Score

Apply Now on SmartBiz’s secure website.

Also recommended

Microloan

Min Credit Score

Line of Credit

Min Credit Score

Apply Now on LendingClub’s secure website.

Term loan

Min Credit Score

Apply Now on LendingClub’s secure website.

Also recommended

Personal loan

Min Credit Score

Term loan

Min Credit Score

Apply Now on Funding Circle’s secure website.

Also recommended

Business credit card

Min Credit Score

Term loan

Min Credit Score

Apply Now on DealStruck’s secure website.

Term loan

Min Credit Score

Apply Now on StreetShares’ secure website.

Line of credit

Min Credit Score

Apply Now on DealStruck’s secure website.

Line of Credit

Min Credit Score

Apply Now on OnDeck’s secure website.

Line of Credit

Min Credit Score

Apply Now on BlueVine’s secure website.

Invoice factoring

Min Credit Score

Apply Now on Fundbox’s secure website.

Cash flow loan

Min Credit Score

Apply Now on OnDeck’s secure website.

Invoice factoring

Min Credit Score

Apply Now on BlueVine’s secure website.

Line of credit

Min Credit Score

Apply Now on Kabbage’s secure website.

*Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

The government-guaranteed business loan program works with banks to offer low interest rates and long-term repayment. SBA loans offer low rates and long repayment terms. But the process is time consuming and the requirements are strict. Only those with great personal credit, strong business finances and the bandwidth to wait for funding should apply. – Loan amounts: $30,000 to $5 million – APR range: 7% to 8% – Good for: large one-time investments, purchasing real estate or equipment, buying existing businesses, refinancing debt

Online lenders offer term loans of up to $500,000. For a short-term loan, the repayment period typically ranges from six to 12 months, while a long-term loan’s repayment can extend up to 10 years or longer in some cases. – APR range: 7% to 98% – Good for: large one-time investments

A business line of credit provides you with access to flexible cash. Lenders give you access to a specific amount of credit (say, $100,000), but you don’t make payments or get charged interest until you tap into the funds. – Credit line range: $2,000 to $500,000 – APR range: 9% to 108% – Good for: managing cash flow, handling unexpected expenses and financing short-term business needs.

Invoice factoring lets your small business turn its invoices (the money owed by customers that has yet to be paid) into immediate cash. You sell the invoices to a factoring company, which then gets paid when it collects from your customers. If you’d rather maintain control over your invoices, invoice financing is an alternative to factoring. – Financing amounts: $500 to $500,000 – APR range: 11% to 64% – Good for: managing cash flow, short-term financing

Only about 1 in 5 businesses that apply for a loan from a big bank are approved. To solve that problem, we work with online lenders that specialize in making the loan application process simple. Plus, they’re faster and offer more competitive rates than many banks.

How does NerdWallet make money?

We make money when you get the funding you need. Some of the loan providers on our site pay us a referral fee when customers like you get approved for a loan. We always try to find the best option for you, even if we don’t have a paying relationship with that lender. We also actively turn down offers from lenders that we feel seek to take advantage of small business owners. Read more about how we make money .

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.


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Price List of Manhattan Laser Centers, USA, Laser Hair Removal Manhattan, New York, Ph:

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Manhattan Laser Centers, USA

Chelsea Laser Hair Removal Center 21’st Street (coming soon)

Average cost laser hair removal

Average cost laser hair removal

Average cost laser hair removal

Average cost laser hair removal

Average cost laser hair removal

Average cost laser hair removal

Current Price List

How do you price your treatments?

Our prices are based on the size of the area – the larger the area, the higher the price. The price list on this page will give you a good idea about the most commonly treated areas. However, do remember that we have multiple area discounts – meaning when you want to have more than one area treated, you will be given a discount over the regular price. How much that discount will be depends on your payment preferences as well as how big the combined area is, therefore a free consultation and patch test is highly recommended for exact pricing .

What is a package?

A package is a certain amount of treatments paid ahead or after the first session. Typically in return for this investment, packages offer discounts . Our most popular package is the ‘Buy 7, get the 8th treatment free’. This package not only means you get the minimum amount of recommended treatments, but you also get them at a discounted fee!

Why should I get a package?

A package is always to the benefit of the customer. First and foremost, you get a substantial discount . Second, a package never expires – you can use it whenever you want. Third, a package is like credit points that you can use for future clean-up sessions or different areas .

Manhattan Laser Centers, USA is the best value for your money in laser hair removal services. Here is what you should expect from us:

  • Free, thorough and honest consultation
  • No waiting time with appointments
  • No rush
  • Professional and courteous attitude and concern for your well-being
  • Clean and efficient facilities
  • Thorough treatments
  • Fair and competitive pricing and several payment options

Ladies Summer 2017 & Gentlemen Summer 2017

Average cost laser hair removal Average cost laser hair removal


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Compare Auto Home Insurance Quotes by Zip Code #auto #insurance #rates #by #zip #code,

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Compare Auto Insurance Rates by Zip Code

Feel free to compare auto insurance rates by zip code online just here. The process of quotes comparison works through online widget using 5-digit ZIP code. Most online calculators require to spend at least 15 minutes for entering personal vehicles and driver record details. You will speed less with us entering zip code and comparing auto insurance quotes instantly here. Here is quotes comparison tool that compares rates from various sources, high rated companies, providers and agents. To start the process you need to enter your local zip code to obtain quote on car or home insurance. We will provide you the best deals, so you may choose such offer that suits your strict needs.

Auto Insurance

Enter your ZIP above, and click at “Get a Free Quote” to get the cheapest quotes on auto policy by zip code

Life Insurance

Click at “Get a Free Quote” above and get affordable quotes on life ins.

Thousands of Web sites, work in home and auto insurance quotes comparison using zip code tool to speed up calculations, as a way of getting lists of prospective customers. Web visitors are typically exposed to 8 or more subsequent sales by calls before they could see how our comparison works. This analysis examines the advantages and disadvantages of this new tool which speed up compared auto insurance using zip code.

Home Insurance

Click at “Get a Free Quote” above to get cheap quote on home policy.

Feel free to get quotes online by entering your 5-digit zip code, and then information about your vehicle, registration number and drivers license records. Companies determine quote on policy depending on local area and state and information about your car. It needs to mention that there are some things that could make your auto insurance policy cheaper.

There are huge amount of leading companies like Nationwide quote that provide various affordable quotes over the past three months.

Auto insurance rate comparison for all U.S. states is available if you do this search using your 5 digit Zip number. Using Widgets, the following list of awards was based on zip codes for central regions of the 25 most populous cities in America. Compare results which are arranged by town, in which the smallest yearly rates. Compiling the table of referred to premiums took less than 10 minutes.

Benefits of Streamlined Comparison Rate Calculator. Online widget is very quickly, compare rates by zip code, it requires no more than 5 seconds for user input by zip code. Calculator and easy to administer. Graphic design resembles a slot machine, which rotates at high car insurance savings based on quote obtained by zip code for each state. Premium data displayed speed widget reflect real quotations, which are updated daily available through online comparison. Thus, comparing speed widget reflect current data from hundreds till thousand of online auto assurance quotes, Quotesautoinsurance.org which processes every 3 months. Another advantage is that the widget allows you to compare and shop online to see a number of awards quoted from dozens of well-known insurance carriers without giving any personal information or spend more time to get a more detailed proposal. For example, a leader who offers a job transfer from Chicago to Jacksonville, you can get an idea about different areas of car assurance premium costs, simply by typing in house index, and then destination.

Limits Widget. Speed widget displays one results set for all postal codes from the same state. Thus, users can compare premium savings by zip code within state. In assurance of the American automotive industry, compare prices which are changed daily. Nevertheless, the level of widget does historical record of quoted premiums necessary to determine cost of car insurance trends.

Companies


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Monitor – Family Practice Management #average #cost #of #malpractice #insurance #for #doctors


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Malpractice insurance rates on the rise

Medical malpractice premiums are reportedly soaring to unaffordable levels in certain parts of the country, with Texas, Pennsylvania, Nevada, Ohio and Mississippi among the states hit hardest in 2001, according to a recent analysis by AM News. Neurosurgeons, obstetricians and other high-risk specialists are seeing the highest increases, but some family physicians, particularly those who perform obstetric services, are being affected as well.

Malpractice insurance rates for family physicians vary widely by region and scope of practice. For example, in Alabama, family physicians with and without OB paid an average of $29,527 and $8,269, respectively, for malpractice premiums in 2001, roughly a 35 percent increase over the previous year. In West Virginia, family physicians with and without OB paid an average of $63,660 and $18,460, respectively, in 2001, an 18 percent increase over the previous year, according to Medical Assurance Inc.

In response to the situation, which some are calling a medical liability crisis, government and health care leaders are proposing a variety of solutions. Representatives James Greenwood, R-Pa. and Christopher Cox, R-Calif. have introduced legislation in Washington that would help reduce frivolous lawsuits and set caps for damages. Other groups are suggesting that improved patient safety initiatives are the answer. According to Jury Verdict Research, the median medical malpractice award jumped 43 percent in 2000 to $1 million.

Physicians challenge insurers over payment issues

In what has been called a landmark case, Blue Cross and Blue Shield of Georgia has been ordered to publish its fee schedule and method for calculating payments to doctors participating in its plans. The Medical Association of Georgia and four of its physicians filed the lawsuit against the Georgia Blues in 1997 when the health plan refused to provide participating physicians with information on how their payments are determined.

In Texas, the state’s attorney general recently ruled that the Department of Insurance could force insurers to disclose their payment policies to physicians and other providers. Previously, the department had said it did not have that authority.

And in Connecticut, New Jersey, New York, South Carolina and Tennessee, medical associations have filed lawsuits against major insurers, alleging they use illegal methods to delay or deny reimbursements to physicians.

The methods in question include bundling separate services into a single reimbursable service, downcoding claims and using computer software programs that automatically reduce or deny certain kinds of claims, regardless of a patient’s condition.

Why health care costs are rising

Spending on health care insurance premiums rose $67 billion in 2001, according to a new report from Pricewaterhouse-Coopers prepared for the American Association of Health Plans. Nearly a quarter of the increase is attributed to government mandates and litigation.

Source: The Factors Fueling Rising Healthcare Costs. Washington, DC: PricewaterhouseCoopers; 2002.

PRACTICE PEARLS from here and there

Stop penalizing your best staff members

Keep your high-performing staff members motivated by rewarding their work and making sure that those who perform poorly aren’t being enabled, advises Sara Larch, COO of the University of Maryland School of Medicine’s faculty practice and chair of the Medical Group Management Association’s board of directors. Ask yourself whether any of the following are true for your practice:

Are poor performers repeatedly given overtime to complete tasks they should have finished during regular work hours?

Does everyone have the same opportunities to leave early or extend their lunch break when necessary, or do key employees not receive this flexibility because the practice depends so heavily on them?

Do excellent performers continually receive more projects, meaning they do more work than others?

Good employees are hard to find and harder to keep if the system doesn’t reward their additional efforts.

Maguire P. Rightsizing, not downsizing, is key to staffing success.

ACP ASIM Observer. May 2002:5.

PRACTICE PEARLS from here and there

Gracefully close a chatty visit or call

Try the following suggestions the next time you need to end a patient visit or phone call that goes on and on and on

Let the patient know the time limit for the visit is fast approaching. Mr. Doe, we’re coming to the close of our visit today. Do you have a question I can answer before we end?

Try speaking in the past tense. It’s been nice talking with you.

Let them know this isn’t their last opportunity to communicate with you. I’m looking forward to hearing more about your car when you come in for your next visit.

Baker SK. Tips to end visits and telephone calls. Available online at: www.susanbaker.com/tips/endingCalls.html. Accessed May 17, 2002.

Fixing the Medicare fee schedule

Some legislators aren’t giving up. The May 14 CongressDaily reports that House Ways and Means Committee Chair Bill Thomas, R-Calif. has asked that language be attached to two upcoming bills clarifying that the Department of Health and Human Services has the legal authority to correct an apparent statistical error that resulted in this year’s 5.4 percent reduction in physicians’ Medicare payments. The Bush administration contends that only Congress can fix the error, which, if left uncorrected, would reduce physician payments 17 percent by 2005.

Money isn’t everything

Over the past five years, the AMA has spent $83.5 million on lobbying efforts, more than any corporation, interest group or trade association, reports the April 27 National Journal. With all the money being spent to protect doctors’ and patients’ interests, some are wondering why the nation still lacks a patients’ bill of rights and why physicians’ Medicare reimbursements fell 5.4 percent this year. According to the National Journal. the AMA’s poor relations with both political parties and internal strife are to blame.

$10 for your online time

Two-thirds of all adults use the Internet, and 90 percent of Internet users say they want to communicate online with their physicians, according to a recent report from Harris Interactive. Among Internet users, 37 percent would be willing to pay $10 per month on average for the ability to send and receive e-mails to and from their physicians. Over 50 percent said the ability to communicate online would influence their choice of physicians or health plans.

How not to negotiate a contract

Two Colorado physician groups charged with price fixing by the Federal Trade Commission have agreed to settle their case out of court without admitting liability, reports the May 14 Denver Rocky Mountain News. The groups’ 86 physicians were allegedly advised to terminate or threaten to terminate individual contracts with health insurers in order to obtain higher reimbursement rates and better terms.

Prudent prescribing

Nearly 3 percent of prescription drugs approved by the Food and Drug Administration (FDA) between 1975 and 1999 were withdrawn from the market as unsafe, and more than 8 percent required warnings be added to alert physicians and patients of potentially dangerous side effects, reports a study in the May 1 Journal of the American Medical Association. The study’s authors concluded that clinicians should avoid using new drugs when older, similarly efficacious agents are available. Both the FDA and the drug industry have questioned the findings.

Match game

A group of residents has filed a class-action lawsuit against the National Resident Matching Program, alleging that the program and its participating medical organizations and hospitals violate antitrust laws and force residents to accept below-market wages. If successful, the lawsuit could require hospitals and health care organizations to bid for residents’ services, resulting in higher wages and shorter work-weeks.

Are you ready for HIPAA?

Eighty-one percent of California health care organizations have developed a plan for complying with the Health Insurance Portability and Accountability Act (HIPAA), according to a report from the California HealthCare Foundation. However, only 12 percent of the 100 organizations surveyed have carried out their compliance plans and 78 percent believe clarifications or modifications are needed to the HIPAA privacy rules before they can be implemented successfully. Physician groups reported the least progress towards compliance.

What’s good for the goose

Health and Human Services (HHS) Secretary Tommy Thompson, who has been known to take cigarettes away from HHS employees, is continuing his campaign for preventive services and healthier lifestyles, reports the May 7 Philadelphia Inquirer. Obesity, type-II diabetes and tobacco-related illnesses cost the nation $270 billion annually, lamented Thompson, who has done his part to reduce these costs by losing nine pounds this year and lowering his cholesterol by 155 points.

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Cost of a Bookkeeper – Small Business #bookkeeper, #bookkeeper #cost, #bookkeeper #prices, #shop #bookkeeper,

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Bookkeeper Cost

  • Hourly rates for an outside bookkeeping service run $20-$50 an hour. depending on complexity and location. Usually you can hire a trained, experienced bookkeeper on a contract basis for $30-$40 an hour. but there can be a minimum monthly charge of $100-$150 for small businesses that don’t require a lot of work hours. The amount of bookkeeping time required will vary significantly depending on the complexities of the business and the industry. An established Northern California retail store with 12 employees generates about 4-6 hours a week of bookkeeping work, or $480-$960 a month, plus $80 in monthly fees for a payroll service to issue paychecks and file payroll tax forms.
  • Accountants sometimes have on-staff bookkeepers to provide these services, usually at $30-$50 an hour .
  • Online services such as SBSuite [1 ] (starting at $69/month for a basic package ) and EasyBookkeeping.com [2 ] (which has an online cost calculator to input your company’s specifics) handle your company’s bookkeeping needs entirely through e-mail, phone calls, faxes and the Internet.
  • A typical salary for an in-house bookkeeper in the United States runs $30,400-$39,898 according to Salary.com [3 ]. The average annual pay for a bookkeeping account executive is $68,294. or $57,600 for a payroll manager, according to BookkeeperList.com.

Related articles: Business Tax Preparation. Accounting Software. Payroll Service. Accountant

What should be included:

  • A business needs accurate and up-to-date bookkeeping for two reasons–to pay taxes and to understand how your business is doing. These tasks can be done in-house by an employee or business owner using computer software; by an outside bookkeeper; or by an accountant–but having an accountant doing daily bookkeeping tasks is the most expensive option. Generally an accountant gives an overview, providing financial advice and recommendations, while a bookkeeper handles the crucial but more daily nitty-gritty of maintaining business records.
  • A bookkeeper does not necessarily need a degree in accounting, but should have formal college-level coursework, experience and a detailed-oriented attitude. A bookkeeper may complete tax forms and generate standard financial reports or might simply gather and prepare the detailed numbers that a Certified Public Accountant uses for tax preparation, financial analysis or a business audit.
  • With the advent of easy-to-use accounting software such as QuickBooks, many new small business owners start out doing their own bookkeeping, because they want to keep tabs on what’s happening. Microsoft.com [4 ] lays out reasons to hand off at least some of your bookkeeping tasks to a professional.

Shopping for a bookkeeper:

  • Gaebler.com [5 ] gives tips for hiring a bookkeeper. Ask other local business owners for referrals and be sure to check a company’s record with the Better Business Bureau [6 ] .
  • The American Institute of Professional Bookkeepers [7 ] lets you search the resumes of potential employees or freelance bookkeeping services. The institute also has certification [8 ] programs for bookkeepers at more than 200 colleges.
  • Intuit [9 ] lets you search for local accounting and bookkeeping professionals who are certified to work with its QuickBooks software.

I have a very good bookkeeper that is knowledgeable about most things and knows her scope of expertise that works closely with a CPA. When you are looking for a qualified bookkeeper or anyone else to take care of your business or personal finances, you have to look closely at their background, do a background check, knowledge, and training. And most diffenently get reference, not just to look at but check with references to see what kind of job they do for them. Mine came with excellent references that were not forged!

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Posted: February 4th, 2015 01:02PM

Seriously you promote a firm that is not a cpa but advertises that they perform bookkeeping accounting and tax preparation services for businesses. Seriously. You have no idea how many tax rules and regulations along with how many accounting rules and regulations for LLC’s, Partnerships, S-Corps and regular Corporations there are. Shame on you! Non CPA’s are completely unqualified in every way to perform tax services for businesses and individuals.
Clearly the 2 companies named on this page paid for the advertisement.

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Cost of Carpet – Estimates and Prices Paid #carpet, #carpet #cost, #carpet #prices, #install

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Carpet Cost

  • Prices range from $2 a square foot for the most inexpensive carpeting, including some self-adhesive carpet tiles, to as much as $100 a square yard for high-end or custom project. Decent carpeting and padding can usually be installed for $19-$38 a square yard, or $300-$600 for a 12×12-foot room .
  • If it’s not included, add, $2.50-$6 a square yard for padding. Be skeptical of prices that include free padding, because good padding increases the life span of your carpet; ask about upgrades.
  • If installation isn’t included, it averages $2-$6 or more a square yard for most residential carpet. Installers may also charge an extra $1-$2 a square yard to move furniture, another $1-$2/square yard for removing the existing carpeting; $1-$2/square yard for disposing of the old carpet; and $1-$2 extra for installing berber (loose loop) style products. There are also extra fees for steps and oddly-shaped rooms.
  • If installation is included in the price, it might be cheaper (and give you more control) to hire your own installer. If the seller won’t reveal what the built-in installation fees are or just says “it’s included,” ask what the price is if you install it yourself.

Related articles: Hardwood Floors. Vinyl Flooring. Home Addition

What should be included:

  • The least expensive material is polypropylene, also called polyethylene or olefin; acrylic is also fairly low-priced; mid-grade carpets are usually polyester or nylon; wool is often the most expensive choice, and a few high-end products include silk or linen. The Carpet and Rug Institute [1 ] gives tips for choosing a carpet.
  • Carpet tiles are also an option; visit FloorBiz.com [2 ] for an explanation and referrals.
  • There are several grades of padding. Pinch the padding; if it compacts more than half its thickness, it probably won’t last under long-term wear and tear.
  • A tack strip (wood strips with tack points jutting up to grab the carpet’s backing) should be nailed around the edges of the room. The padding is rolled out and trimmed to fit inside the tack strip, then the carpet is rolled out. The installer should use a power stretcher to minimize rippling and wrinkling. Get a good understanding of the installation process by reading the do-it-yourself directions at Hometime.com [3 ] .
  • New carpets sometimes give off vapors that bother people who are sensitive to chemicals. If this is a problem, the carpeting should be delivered early and sit in a detached garage or well-ventilated area for at least 24-48 hours before installation.

Shopping for carpet:

  • Links for retail and wholesale vendors plus referrals to carpet installers are listed at CarpetBuyersHandbook.com [4 ] .
  • Understand exactly what is included in a carpet price, and what the product warranty covers. Check the company with the Better Business Bureau [5 ] .
  • If hiring an installer, request and check references, and ask about training and certification. Get proof of liability insurance and at least a one-year written warranty for the work. ColorYourCarpet.com [6 ] provides detailed guidelines.

Hi my name is Bela. I used Empire installation in NJ to carpet my office with carpet tiles they charge me $20 sq yard milliken 22 ounce commercial carpet tiles $6 a yard to install and $3 remove old carpet you can provide your dumpster or they dump it for you for extra $2 a yard. My office is 150 sq yards i paid for install removal and dump $1650 and $3000 for carpet. I recommend this guys they fully insured and know what they doing. just ask for Simon 7812965684. I Will do more work with them in the future .

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Installer: Yes, I am

Sounds like you received a quality installation. If you had purchased from the box stores believing the farce of having carpet installed in your entire home. the next day. for $99.95 You would be tootin a different toon. Glad that you had an installed that cared about you.
Price is now the deciding issue these days and people want the cheapest everything, even if it means the flooring will last half as long due to an installer that has no clue what he is doing.
A good installer can easily double the life span of your flooring by doing the job correctly.

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700 sqft carpet replacement for bedrooms, closets, a hall and steps. The price includes: removing old carpet, installing new pad and carpet (including materials), but does not include; disposing the old carpet. No furniture on the floor. I believe the quality of the carpet is on a par with $2/sqft carpet sold in home center – it is not expensive but not a cheapest one. I received another quote from Home Depot, which is approximately $2,100.
The installer is good in terms of installation quality, but bad in the sense that they spent 3 days to install it.

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Retirement Savings By Age Group #average #assets #by #age


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Retirement Savings By Age Group

Posted December 21, 2013 by Ben Carlson

One half of your return is determined by your investments, the other half by what kind of person you are. John Bogle

Vanguard recently ran a report on the more than 1 million participants invested through their retirement plan to give some broad averages so others can see how they stack up.

Here are the average contributions rates broken out by age group:

Notice how the percentage of income saved slowly goes up over time. This is because people get more and more worried about their finances later in life when they start approaching retirement age.

Reality sets in.

In my common sense fantasy world the numbers would be much higher for the three younger groups so they could all benefit from compound interest over many decades instead of just a few.

Instead most people fall into the trap of I’ll start saving when I’m more established and ready.

The next table shows the average retirement balance:

At a 4% withdrawal rate, those in the average 65+ range would be able to take out roughly $7,000 a year or about $590 a month on that balance. This doesn’t include social security or possible pension income, but for most people this will mean either working longer or a reduced lifestyle during retirement.

The average balances on the 65+ accounts show why people get nervous as they get older and thus try to save more as they age.

I’m sure if you asked those with the average balance or less in their retirement accounts what they would do differently with their finances, saving more would be at the top of the list.

Next is the average asset allocation breakdown by age group:

Target-date retirement plans aren’t perfect, but they are much better than most alternatives so it’s nice to see that they make up such a large percentage of the younger demographics.

The other number that stood out to me was the fact that the 65+ group has an average of almost 30% in cash. It definitely makes sense to de-risk as you approach retirement and need to tap your portfolio for spending needs, but investors still have 20-30 years to invest during retirement to try to keep up with inflation.

I’m sure low bond yields aren’t helping matters, but having more than a couple of years’ worth of spending needs in cash is probably a bit excessive.

And finally the worst chart in the entire survey, the amount of people that take out 401(k) loans:

I was fairly shocked that some of these age groups had as many as 1 in 5 people taking loans from their retirement plan.

This is a terrible idea for a number of reasons.

Loan rates are usually around prime plus 1%, so that’s not excessive, but you get dinged in a number of other ways.

Interest payments get taxed twice because they were made with after-tax dollars and you must pay taxes again when you retire and take distributions. And you pay back the loans with after-tax money.

Some plan providers charge a one-time fee on the loans as well.

If you leave your job or get canned you usually have around 60-90 days to pay back the loan, which can put people in a bind if things go wrong.

But the biggest reason is that you miss out on potential market gains and the benefits of compound interest.

It’s hard enough for people to save and invest these days. Trying to pay back a loan on your savings only compounds the problem.

Even if you are doing better than these averages, it’s not necessarily time to get complacent. The average retirement statistics are fairly terrible in most cases. It’s easy to be above average.

Make sure that you are saving enough to achieve your goals and avoid costly mistakes that can make it more difficult to reach financial independence.

Source:
How do you compare with other investors your age? (Vanguard)

Full Disclosure: Nothing on this site should ever be considered to be advice, research or an invitation to buy or sell any securities, please see my Terms Conditions page for a full disclaimer.


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