Managed Care HMOs

Don’t know what HMO stands for? Health maintenance organizations are managed care programs.

In terms of affordable health insurance, health maintenance organizations (HMO), which are managed care programs, assist people to stay in good health. At least that is the idea behind them.

Put another way, the philosophy of HMO insurance plans is that if a person stays healthy and maintains that health, they will prevent disease. The care provided by the HMO will help people stay well. Staying well means rising health care costs will be controlled.

When insurance plans like HMOs were first launched on the market, people who opted to buy affordable health insurance paid a fixed monthly premium that was prepaid. What those people got in exchange for affordable health insurance was access to health care offered by a certain network of providers that included clinics, hospitals and other medical care providers. This meant that although people were getting affordable health insurance, they were restricted to using “only” the procedures, benefits and doctors, etc. that belonged to the network.

HMOs were initially implemented by the government in 1973 to get rid of individual insurance plans and offer affordable insurance to everyone who wanted it. When they first came out, companies were buying individual health plans for workers.

Over time it looked like the better deal would be to get businesses to buy subsidized low cost health plans for employees and not expensive individual ones. Seeing a great opportunity, insurance companies started pressuring physicians to join HMOs. Fact is, doctors were told if they didn’t join, the insurance companies would see to it that they’d take their patients away with cheaper health care through the HMO. The threat worked and many joined the HMO plan to save their practices.

The more things change, the more they don’t always change for the better. What happened with HMOs is that every time a doctor renewed with them, the rules were changed and got stricter and stricter, mandated that they see more patients and get more services pre-approved. HMOs used to be the cat’s pajamas, but by the end of the 1980s and with a stack of unpaid and denied claims, people began to leave HMOs in droves.

The interesting thing here is that denied claims were denied because of bad investments the insurance companies made, not because of the claims themselves. The insurance companies invested in real estate, and when the boom went bust they couldn’t cover HMO claims. Unfortunately over time it became an almost “ritual” for HMOs to deny claims. So much so, that today it seems to be a part of the way they do business.

Thankfully, a new breed of attorneys has begun chasing HMOs for those denied claims; claims that include medical malpractice (med mal), bad faith and even wrongful death. In a nutshell, this boils down to the HMO may be sued if an individual dies due to the HMO denying cover for necessary medical treatment; for denying valid claims and for med mal perpetrated by an HMO doctor. In most states, government regulators are also tweaking their laws that govern HMO plans.

The Brangus Breed

Brangus breeders are typically held in very high regard by the rest of the cattle breeding community. This is because Brangus cattle offer the best of both worlds, combining several of the most desirable characteristics found in two popular breeds into one, resulting in an animal that can be adapted to a variety of uses. The cattle breeding industry runs on the availability of high-quality animals which are capable of meeting a number of criteria, so in order for breeders to be successful in the field, they need to prove themselves capable of rearing and caring for healthy, fit specimens.

As its name suggests, the Brangus is a hybridization of the Angus and Brahman breeds. It possesses numerous traits found in both types of cows, and so it’s widely sought after and there are many breeders that specialize in raising Brangus cattle alone. The ideal Brangus cow possesses a genetic stabilization of roughly five eighths Angus and three eighths Brahman. Brahman heifers are widely recognized for their tendency to be excellent mothers to their young, and the Brahman breed as a whole tends to be highly resistant to diseases. Angus cows are wonderful in terms of fertility and their ability to produce milk, and they are also very popular with breeders of beef cattle because of the quality of their meat.

Because of all this, the livestock produced by Brangus breeders usually manages to strike a very healthy middle ground. It’s often recommended that individuals just getting into the business of breeding cattle start with Brangus cows because of their specialized genetics. Since it’s important for breeders to keep their herd as healthy as possible, Brangus cattle are also beneficial given their general resistance to heat, high humidity and ticks. Like Brahmans, Brangus heifers have been known to have very positive maternal instincts and will usually take very good care of their young.

Those looking for quality beef cattle should turn their attention to Brangus breeders because of this breed’s speedy weight gain, along with the fact that Brangus carcasses tend to lack excessive amounts of fat. In addition to this, they make potentially excellent show cattle because of their many superior genetic and physical attributes.

Brangus breeders are relatively easy to locate online. The business of breeding this type of cattle is very lucrative and it shouldn’t take more than a few minutes of looking around before you find several trustworthy breeders to buy from. Just make sure that once you have a list of prospects, you weigh the pros and cons of each to make the best decision.

Start Your Own Expedite Business

The transportation sector is one of the few industries that are expected to grow by at least 2% in the coming year. That makes for great opportunity for those that want to break free from the pack and start their own business.

What will you need?

First you will want to obtain your business license and operating authorities or as most call them running rights.

Why do I need running rights?

You will need your running rights so you are able to transport goods. The government requires that you obtain licensing as well as the companies you do business with. Without the required running rights you will not be able to start-up your business. For more information on the running rights needed to start-up your business please visit 411 Transportation Solutions link located at the bottom of this page.

The next step would be insurance.

You will need to insure your vehicle(s) and purchase cargo liability insurance. Be sure to shop around for the best prices. The rates are coming down and if you decide to hire owner operators you may want them to purchase buy down insurance. Buy down insurance is a great idea. It cuts down the cost of your insurance deductible in case of an accident. When I started up an expedite company I had every driver purchase this insurance and I payroll deducted the cost from them each month. I would definitely suggest looking into this, it is always better to be safe than sorry and it is inexpensive. If for some reason you do have an accident in the first year of starting up your business you do not want to have to close the doors because your insurance deductible was two high.

How much will this cost me to start?

Starting up your business doesn’t have to cost a fortune. You can start-up your company for as little as two thousand dollars or less. Here’s how. Start your business up from home; use your own computer, internet and your own vehicle. If you already lease a vehicle be sure to change it into your companies name so you can right it off at the end of your business year as well as your internet, phone and so on. You will need to purchase a printer/fax machine; you can find these for cheap at your local store. Next is a phone line, this is very important since this will be your businesses life line. I suggest products like magic jack where there is one low fee for the year that is very cheap. Once your business is running and you are making profit then you may want to find a shop or office to run your business from and put in a more sophisticated phone system. The bulk of your start-up cash will be obtaining your running rights and insurance. The way to save money is to apply for your authorities yourself or buy a business package that supplies everything you will need. If you go to a consultant it could end up costing you anywhere from a thousand dollars and up!

Where will I find loads?

Start with the contacts that you already know; dispatchers and companies that you have delivered for. Your current or last employer may not like it but most likely they started out the same way. If you don’t have any contacts start with load boards. There are many areas that you can find freight; here are a few. Load boards; there are many out there some are free or offer free trials. You can also contact load brokers, send them your information and make sure you let them know where you have vehicles located to haul goods. Contact other carriers as well and post your vehicle(s) online so businesses know what is available.

Important Things You Should Know About ACP Panels

Aluminum composite panel, abbreviated as ACP panel, is basically a structure of three layers. As the low-density core is inserted between two thin skin layers, it is sometimes called sandwich panel. The skin layers are aluminum sheets and the low-density core is a non-aluminum core. The sandwich setup enables ACP panels to be perfect for mechanical uses. It stands out from the other metallic panels for excellent mechanical performance at minimal weight. Sandwich panels have extensive uses for their high rigidity.

For years, Aluminum composite panels have been used to manufacture both military aircraft and civilian aircraft. Nowadays, these are used in racing cars, ship buildings and custom architectures. A modern civil aircraft can include up to 5-15% composite panel. The percentage may increase up to 50% in new Boeing 7E7 aircraft. The light-weight and optimum durability would make this aircraft outstanding. Due to a number of great features, the ACP panels can be utilized in different areas.

The acceptance and success of composite technology in the automotive and aviation industry have made it attractive to the other industries looking to have the best benefits of it. Here ACP panels have been taking a significant place. The Aluminum composite panels are lighter than steel.

In the case of an interior decoration, it plays an important role. The PVDF coating on it makes it durable and resistant to elemental attacks. Their unique flexibility allows you to use these in columns, interior walls, aeroplanes, partitions, rail coaches, false ceilings, noise-barrier walls, escalator cladding and many other places. Besides, you can use it for exterior designs. It will surely beautify your exterior. This is why using an Aluminum composite panel in factory buildings, petrol pumps, sports stadiums, outdoor homes, bus stands, shopping centers, vehicles, airports, and bridge cladding are always good. For its flat polished look, it is used as signage. The glittering quality always draws onlookers’ attentions.

Cautious for buying ACP panels

At the time of buying these, you should be very careful. There are some companies using plastic panels and selling them as ACP panels. Therefore, at the time buying these, you need to scratch on them. It will help you test the originality. Besides, there are a few low-quality aluminum panels sold by dishonest sellers. They sell low-quality panels with the name of ACP panels. Therefore, you should check the alloy quality before buying these from a store. If you have a specific need, you can check the alloy mark written on the panel.

9 Obstacles That Keep You From Achieving Your Goals

While you may have spent a lot of time working on your goals for the next year, there are plenty of things that are going to get in your way to achieving them.

Before we go any further let’s establish the use of language here. Goals can be substituted with objectives, targets, outcomes, achievements, resolutions, aims, ambitions and any others you can think of. For the purpose of this report, the writer will use Goal.

How often have you started off the year, or next phase of your development with good intentions, and some goals of what you want to achieve, only to find that somehow you never see to achieve them? What I will cover in this article is the 9 biggest obstacles that will get in your way. I will take each one in turn and explore what is behind it, why it is there, and more importantly the action you can take to put it to one side.

What I will also do is evidence this be using the responses of a survey conducted with Sole Traders, and owners of Small and medium Enterprises (SME’s), identifying the challenges they face in the coming year.

Although there are arguably hundreds of potential obstacles, 9 appear most commonly.

1. Lack of information

2. Lack of skill

3. Limiting beliefs

4. Well being

5. Other people

6. Own motivation

7. Time

8. Money

9. Fear

Why have a Goal?

If you needed more reason do set your own goals, in a study conducted on students in the 1979 Harvard MBA program, only three percent of the graduates had written goals and plans; 13 percent had goals, but they were not in writing; and 84 percent had set no goals at all.

Ten years later, the findings revealed that 13 percent of the class who had goals were earning up to 84 percent compared to those who had not set any. For the three percent who defined their goals and wrote them down, they were earning on average, ten times as much as the other 97 percent put together.

Some set goals that are too general. These are, in reality, fantasies common to everyone. Goals, on the other hand, are clear, written, specific, and measurable.

What is a Goal?

Other names that are used, explore others use of language. Why do we have them? Different types of goal – towards/ away from.

Some goals are called away from goals. These are usually framed in the negative. Here are a few examples.

o I don’t want to smoke anymore

o I don’t want to be unfit

o I don’t want to be overweight

o I don’t want to be broke

Now let’s reframe them in the positive

o I am a non smoker

o I am fit and health

o I am at my ideal weight

o I can cover my bills

Notice the difference. They are stated in the positive and take on the assumption that you have achieved it already. By assuming “as if” your behaviour changes so that you are acting like to have already achieved what you wanted to do. What a great feeling to have even before you have got there. It also bolsters your motivation.

So now we have determined if our goal is towards something, or away from something. We have now stated it in the positive. This however is still not a very well detailed goal. We will now look at how we can make it more specific.

An ideal goal should be expressed in the positive, be time bound and specific. You may also like to consider, how will you know when you have achieved it, what will it feel like, what will the people around you be like? What will you do to celebrate it?

A goal must be time bound. When do I want to have achieved it? If that’s when I want to achieve it, then when must I start? What is the first step I need to take? Who should I tell? Should telling that person be the first step? What skills or knowledge do I need to acquire along the way?

Goal size, is the goal too big to achieve? If so then breaking it down into smaller bite sized pieces may be the right approach.

How serious are you about this goal. On a scale of 1 to 10 (1 being low and 10 being high), how committed are you to this goal? If your answer is less that 7 you are unlikely to follow it up completely. What would you need to do to this goal to move it from a 7 to an 8?

Now that you have really defined your goal you are ready to go. Aren’t you? So what’s stopping you?

I will take each one of the potential obstacles in turn, and elaborate.

Lack of Information

Information can have one of two effects. With too much you can be overwhelmed, and can stop you from making a decision or taking the next steps. With too little information you are not able to put things into perspective, or look at the bigger picture. Identifying where you have gaps in your knowledge, and including this as part of your goal will move you closer to achieving it. There are several ways to obtain new information. Research, planned reading, listening to CD’s, DVD’s on a specific topic or networking with individuals who have the knowledge to share with you.

Lack of Skill

In order to move forwards you may have to pick up skills along the way. This need not be an enormous challenge. As part of your goal setting, understanding what skills you need to acquire, and how you will acquire them will form steps of your plan. This does not necessarily mean that you need to enrol on a course, although that is a great idea. Other alternatives such as on-line study, planned reading, shadowing a colleague in the workplace, or seeking advice from a friend can also help you obtain the skills you need.

Limiting beliefs

We all have a set of beliefs by which we live our lives. These are set in our subconscious at an early age. Sometimes these beliefs can hold you back and limit your ability to achieve you goals. Some common examples may be familiar to you.

Indecision or Procrastination- should I do one thing or another? This often results in you doing nothing. The limiting belief manifests itself as “I am not able to make decisions”. Unable to make progress or stuck – when a way of working is no longer effective, you continue to use it and often forms a comfort zone, the limiting belief here could be ” I can’t/ won’t change”. Often people will state that “I don’t deserve to be successful”, or “that shouldn’t work for me”. Here we are seeing self sabotage and not valuing themselves and their own ability. These are only a few examples, but listen out for them and notice how many times you hear yourself saying things like this.

Well being

Despite your best efforts, there may be times when you are simply not able to pursue your goals. A sudden illness or injury can put set you back. When this happens you need to be realistic. Beating yourself up will not help, nor simply giving up. Take a little time to re assess your goal and consider what your options are now. How important is it that this goal is achieved within the original timeframe. Also consider how else you goal can be pursued, and who can help you during these times.

Other People

Quite often the people that are closest to us fear us achieving our goals. For them this means that you may change and that will also mean change for them. They may not be aware how important your goals are to you. If the people you share your time with for example family, friends, colleagues to not understand and support your goals, there is a chance that you may be influenced by this. If these people are adverse to change then they may well sabotage you plans.

Own Motivation

Although you may see out with the best intentions, after a while the novelty may wear off or there are other distractions. This may be down to a number of factors. Perhaps the goals that you set were too large, and needed to be broken down into smaller manageable chunks. Perhaps you are not getting the results, and need to consider what you doing that is are preventing you from moving forward. After continued effort you may feel that the goal is now actually something that do don’t want, or at least the outcome.

In this case the goal needs to be reassessed. If it requires modification because circumstances have changed, then change it. If it no longer serves you, then don’t waste your energy following up on something just because you started it.

Time

We all live in a world where we don’t seem to have enough time. Many of us are “time poor”, which means that we do not manage our use of time to get the best results. Quite often I hear from the people around me “I just don’t have time to do x”. How true is this statement really? Have we taken on too much, overcommitted ourselves and are embarrassed to say no? Perhaps, but I have another view.

If we approach our use of time without any structure we may just leap from one thing to another in no particular order. Without priority we will move from one thing to the next urgent thing.

There is also the aspect of distractions. This can be distraction from others who do not have the same aspirations as you. There is the distraction of telephone calls and emails. Quite often we busy ourselves with those things that are nice to do, but do not take us any further forward to achieving our goals.

Money

Money is a common reason for not pursuing your goal. Usually it is the lack of money that stops you. When you hear someone say “I can’t afford it” or “I just don’t have the money”. These statements are usually offered up without much hesitation.

While I agree that it may well be true to some extent, what alternatives have they really explored and how else could the money be found? If you are really serious about achieving this goal, what lengths would you go to in order to find the money (legally)!

Let’s turn this around and look at it from another perspective. What is it costing you to not have that goal in your life right now? For example being in that bad relationship or enduring bad health. If in achieving this goal it was going to get you that next job, or mean that you would get that 10% performance bonus at work, what efforts would you go to?

Fear

What do I mean by fear? There are the more straightforward examples. If you need to do something that takes you right outside of your comfort zone for the first time, which may well install fear into you.

Then there is the fear of failure. What will those around you think if you don’t achieve you goal. How will you face them and maintain your integrity. Better to quit now that to see it through right? That way no-one will be able to judge me.

Another type of fear is the fear of success. What if I actually do it, and people find out I am a fraud? Is this goal something that I really want anyway? Self doubt comes into play and you try to talk your self out of it.

What evidence supports this in a business context?

In a recent survey conducted with Small and Medium enterprises (SME’s) and sole Traders they were asked what they viewed as the biggest challenges facing them in 2010. All of those surveyed reported that they were partially successful in achieving their goals and objectives in 2009. 33% of these goals were significant, and the reasons for not achieving them were down to ill health, not asking for help, and lack of confidence in the economy amongst others.

Many of these goals were being carried on into the following year, some people carrying forward all of their goals. When asked what they were going to do in order to achieve those, 66% reported that they would try something different, and 33% would look for assistance.

So what is stopping these business people from moving forwards? Well from the sample surveyed the leading factors were Lack of skills, lack of knowledge, Health, Fear (of success/ failure) and Limiting beliefs.

Those that responded that they would look for assistance; it was equally split between others in their trade or profession, approaching a business coach, or contacting specialist suppliers. From those three options, certainly looking at what your competitors are doing may give you some clues. After all if someone in our sector is being successful look at what they are doing. Likewise specialist suppliers may be useful if the understand you goals and aspirations. However they may have another agenda, after all they are in business too.

However neither of these two approaches are focused on helping you achieve your goals, and neither of them hold you accountable in working towards them. This is where a Business coach can prove particularly valuable. They will assist you in defining and developing you goals, identify what is stopping you and develop strategies to help you deal with those obstacles when they come along.

The Business coach will also challenge you to check if you are working on goals that move you towards what you want, and keep you accountable to those goals. As a Sole Trader or SME often there is no one around with whom you can share your goals with, and discuss them.

One of the common objections to using a Business coach is the perceived cost, often saying “I can’t afford that” or it’s “too expensive”. It is sometimes useful to look at this from another perspective. What is it costing you not to use a Business coach? If you can attach a value to achieving each goal then the services of an effective Business coach can be quickly calculated.

Let’s go back to the survey respondents for a moment. Two of the challenges identified were lack of skills, and lack of knowledge. Suppose for a moment if a Business coach could help you identify what these gaps were, how to close them and then how to apply them to your Business what would that be worth? You may think that you can go it alone, but consider for a moment how would you clearly identify those gaps in skills or knowledge? How long would it take you? Which direction would you go? For example

Summary

In this report I have explained what a goal is and why it is important to have them. I have identified 9 obstacles that can potentially stop you from achieving those goals. These are:

1. Lack of information

2. Lack of skill

3. Limiting beliefs

4. Well being

5. Other people

6. Own motivation

7. Time

8. Money

9. Fear

I have evidenced how these manifest themselves, in a business context for Sole Traders and SME’s, and looked at what strategies can be can be applied. And finally I have discussed how a Business coach may support the achievement of those goals.

Why Your Online Privacy Matters

To comprehend the significance of protection in the advanced age, one must see precisely what it is before it can be esteemed. There is by all accounts a decent number of individuals in the “I’m not doing anything incorrectly, in this way, I have nothing to shroud” camp. Indeed, we are here to bust that myth. The reality of the situation is, correct or wrong, we have everything to cover up.

What Is Privacy?

Protection is shutting your room blinds while preparing for bed. Protection is chatting with your specialist away from public scrutiny. While, all things considered, this sort of protection easily falls into place, with little thought, in the advanced space the possibility of security is skewed. For the most part since individuals don’t generally comprehend what advanced protection involves.

What Exactly Are We Trying to Protect?

Individuals may expect it is about what they are doing, which is a little bit of the photo. In any case, online security has less to do with what you are doing, and more to do with your identity AND what you are doing. On the Internet, information has high esteem. It’s stolen, sold, gathered and examined.

There are numerous aspects to protection. There’s your main event, and your identity. Your identity is your by and by identifiable data (PII), which is as it sounds- – your name, date of birth, address, Social Security number, telephone numbers and then some. What you do are the pursuits you play out, the sites you visit, the articles you read, even what you purchase on the web.

At whatever point you download an application, visit a site or utilize an online networking stage, odds are that organization is gathering information on you. Individuals are doing as such a great deal more online through their PCs and cell phones today. We make buys, look into restorative conditions, orchestrate get-aways, associate with companions and relatives, pretty much anything possible. With these activities, individuals are incidentally making an immense computerized paper trail of information about themselves. While it may not be PII, these organizations still track what you do on the Web and gather that information to get a clearer picture of you.

What Can Be Done With My Data?

An entire informational collection on an individual can bring a pretty penny, totally legitimately, as well. There are presently organizations known as “information expedites” that gather and keep up information on a large number of individuals, which they break down, bundle, and offer without the client’s learning or authorization. Information agents gather and pitch data to different organizations for some reasons, including focused on promoting, credit chance evaluation, and direct advertising. Fortunately, this information is typically anonymized, and does not contain PII.

Why Is Privacy Important?

We as a whole have things to stow away. It could be how much cash you make, your medicinal records or your ledger number. Concealing things is not awful. I don’t think these are the sorts of things you’d like communicated on your interpersonal organization for the whole world to see. This is the reason we should endeavor to ensure our entitlement to security.

Prior this year, a young lady obtained a couple of unremarkable things, for example, cotton balls, unscented salve and a few vitamins. In view of what the organization definitely thought about her, they could accurately anticipate that she was pregnant, and started focusing on her for infant things by sending her coupons via the post office. The issue? She was an adolescent young lady, and these coupons cautioned her dad (regrettably) that she was in reality pregnant.

The most vital thing to recall about your protection is that it is YOURS. It is your data, your propensities and designs, and your activities. Consequently you ought to need to secure it in any capacity conceivable.

12 Tips to Help You Protect Your Privacy:

1. Secure your passwords.

Passwords are the keys to our computerized lives. Cybercriminals utilize numerous strategies to attempt and break them. To make this undertaking troublesome for them, utilize solid, entangled passwords.

A decent watchword ought to be no less than eight characters in length, and utilize a blend of capitalized and lowercase letters, numbers and images. Try not to utilize full words, names, addresses, telephone numbers or some other effectively identifiable individual data. Make sure to abstain from utilizing an indistinguishable secret key over different sites from well.

Two-Factor Authentication (2FA), if accessible, is another method for confirming your personality other than only a username and watchword. 2FA is involved something you know, (for example, a secret key), something you have (a cell phone that a code can be sent to), or something you are, (for example, a unique mark).

Never spare passwords on your gadget. Yes, it’s helpful. Yes, it spares time. However, in the event that you have to securely store passwords, investigate a safe secret word administrator. Offenders are getting more astute and need only one chink in the protection to get into the framework to victimize you daze.

2. Be aware of all protection settings.

Most applications offer protection settings for clients. This gives you the opportunity to know how much and what sort of data is shared. Continuously pick minimal measure of information sharing. Continuously be careful when sharing your name and area. Kill area benefits and deny access to your camera.

With regards to web-based social networking, make sure to survey your protection settings. Most online networking locales will give you alternatives to choose your identity sharing your data with. Make certain those settings are set for confided in people and companions, as opposed to set to open for the entire world to see. You can check your protection settings (connection is outside) on famous sites by means of the Data Privacy Day site.

3. Know about your computerized impression.

Whatever you post online is there perpetually, regardless of the possibility that you erase it from where it was initially posted. An advanced impression is fairly a computerized paper trail. Discussion enlistments, recordings, photographs, pretty much anything you post will all leave hints of data about yourself on the web.

4. Get dependable security for the majority of your gadgets.

Notwithstanding shielding your PC from malware, a great security programming system, for example, Norton Security will shield you from different dangers on the Internet scene. There are as yet numerous vulnerabilities out there, for example, phishing, spyware, maverick sites, adware, keyloggers and that’s just the beginning.

Bear in mind: Phones require as much security as whatever other gadget, if not more. There are numerous security suppliers that offer free administrations. These can be dangerous as they mine information from your telephone. Continuously go for an outstanding specialist organization. Norton Mobile Security has an extent of components that can shield your telephone from generally dangers.

5. Go down your information.

Going down information is frequently over looked. In any case, it is a vital part of information insurance. Ransomware is a sort of assault where programmers hold your information prisoner for a payoff. There are cloud-based administrations that offer reinforcement. Or, then again you can decide on Norton Security Premium, which incorporates reinforcement.

6. Against burglary your gadget.

In the event that your device is lost or stolen, following applications will help you discover it. Be that as it may, how would you secure your classified information before it gets into the wrong hands? Norton Mobile Security permits This incorporates your, and a

7. Be cautious what you do with your telephone.

While being careful of what you do with you telephone is constantly prescribed, it can get tedious. With the limitless measure of malware, Trojans, and worms finding subtle approaches to get into your gadget, it is ideal to remain ensured with a security framework that takes the necessary steps for you. Application Advisor (connection is outer) is an uncommon component given by Norton Mobile Security. It prompts security dangers, nosy conduct of applications, extreme battery waste and information arrange utilization. It likewise has call/SMS blocking, against robbery, contacts reinforcement and shields your cell phone from malware.

8. Keep an eye out for Bluetooth vulnerabilities.

Bluetooth innovation offers inconceivable accommodation. It likewise opens entryways for security shortcomings. Ensure you kill your Bluetooth when you are not utilizing it. While there are choices to put your Bluetooth action in an imperceptible or imperceptible mode, there are some noxious applications that can change that mode and open your gadget to dangers. That is one more motivation to have a security framework set up.

9. Stay up with the latest.

Programming refreshes play out a horde of assignments. They are accessible for both our working frameworks and individual programming programs. Playing out these updates will convey a huge number of corrections to your PC, for example, including new components, evacuating obsolete elements, refreshing drivers, conveying bug fixes, and in particular, settling security gaps that have been found.

10. Savvy up to Wi-Fi

Secure your home system. Change the default username and secret word on anything that associates with your system, particularly your Internet switch. Utilize Wi-Fi Protected Access (WPA), which will encode the information going through your system. Turn on all firewalls on both equipment and programming programs.

While most home Wi-Fi associations are encoded, some open Wi-Fi associations are definitely not. This Norton WiFi Privacy

11. Erase information that you do not utilize anymore.

In the event that you haven’t utilized a program in months-uninstall it. On the off chance that you have a considerable measure of old archives that you don’t get to any longer, you can erase those also, or store them disconnected on an outside hard drive. These can be archives of individual data that you may have disregarded. In the event that you haven’t utilized a program in a while, odds are it is obsolete.

12. Acclimate yourself with phishing.

Phishers by and large endeavor to mimic a notable association, for example, a keeping money or monetary establishment, with a specific end goal to attempt to get your client qualifications, or convey malware to your PC by means of suspicious connections or connections in email messages. Never tap on connections or connections from obscure senders or from suspicious looking messages. Rather, in the event that you think your record is in danger, go straightforwardly to the site being referred to by writing the address into the URL bar in your program as opposed to tapping the connection in the message.

The 4 Levels of an Insurance Career Path

You may see many newspaper ads tying to hypnotize a prospective agent stating how easy it is to make $100,000. Moreover, they emphasize it can be done in the first year. Please give me a nickel for the 1,500,000 licensed life and health insurance agents that cannot achieve that. ($75,000 if you are calculating). Before $100,000 of income can be reached, most agents must achieve at least the third if not fourth level.

LEVEL ONE This is the insurance trainee, just starting out and continuing the first 12 months. This level is actually more about survival than it is about earnings. Many insurance trainee agents deplete savings accounts, ask relatives for loan assistance, and even take out a second mortgage on their house. Either they should have never applied for the position or the insurance agency has provided inadequate assistance to ease the agent’s burden. In the majority of cases, it is the later. Only 20% of agents struggle by, only to encounter another enduring battle.

LEVEL TWO This is the insurance rookie, who will be facing three more years of uphill challenges. Again, survival appears in the picture, along with enough income to keep from going under. The life preserver is based on both the agent’s attitude and selling skills. Selling skills start with finding the right people to focus your attention on. People that fit into your comfort zone and have a need for an insurance product you are familiar enough selling. This leads to giving a sufficient quantity of appointments. However, company provided scripts are a hard way to go when doing a presentation.. Of the appointments made, can the still inexperienced agent produce enough sales for a decent income? Only 8% of the starting agents now remain.

LEVEL THREE These are the insurance innovators with over 4 years experience and under 8. Why are they innovators? To survive the have broken just about all the career company rules of the plan to success. First, they have tossed out the insurance company presentation book, sometimes in favor of a plain yellow legal pad. The company presentation speech has been discarded in favor of a friendly conversation. The insurance innovator uses a lead acquisition system that quickly brings out the highest qualified prospects. This agent has stopped becoming an insurance seller. He now helps guide the prospect to a tailored plan that turns the prospect into a buyer. In addition, the insurance innovator has a valuable base of built up clients for additional sales.

As insurance is now officially a career, few of these agents drop out. Many start to specialize in selling fewer products. A lot now are semi-independent and some even have their own firms. For others they make take a new direction, with a different company or firm that seems much more promising. Incomes are often comparable or higher than the national average.

LEVEL FOUR The true insurance professionals. Numerous pros are fully independent. They have often signed contracts with six or more independent life insurance carriers. Others are semi-independent, who have not quite yet taken the final break away step. Do not assume that all are financial planners exclusively serving wealthy clientele. There are countless professionals selling long-term care and medicare plans to seniors, others are specially in writing employee benefit plans to employer groups. The typical income range is from $70,000 to $110,000.

In insurance, you do not go to college for 6 to 10 years to become a specialist. You learn through trial and error and your intuition. There are no books to study, only some continuing education courses that are product based. You progress with self-learned selling skills plus the severe determination few salespeople possess. It is an insurance career path without shortcuts.

Legal Considerations When Planning Events

You’ve booked the speaker, hired a hall, recruited a team of volunteers and prepared a marketing plan. If that wasn’t enough, you must also ensure your event does not fall foul of various legal issues. Exact event legal requirements vary from place to place and the rules that apply depend on the type of event. The list below points out the major issues you need to think about, but you should also take advice from the administrator of the organisation(s) involved in your event. If you’re not sure about any of these items you can discuss them with your venue, as they should have experience with them.

Premises Licence

If you are going to invite the public to see a play, watch a film, or listen to live or recorded music, or something similar, you need to do so in premises that are correctly licensed. The licence will determine exactly what activities are permitted and between what hours. Don’t assume you can have a concert run beyond 11pm without checking the licence permits it. If the premises don’t have the correct licence you can get what’s called a Temporary Event Notice, which is effectively a short-term licence. For more information contact your local council.

Serving Alcohol

Selling or supplying alcohol is also regulated by the premises license. Not only do you need to have the correct license arrangement in place, you also need to ensure someone present is a Personal Licence Holder. The penalties for breaking the rules around the supply of alcohol can be very severe so take great care in this area.

Health & Safety Requirements

It’s essential to understand who is responsible for health and safety matters and to perform the correct risk assessments.

The venue will be responsible for premises-related health and safety, such as trip hazards from worn flooring, or emergency evacuation. But event organisers take responsibility for event equipment, such as trip hazards from power cables for speakers or other equipment brought into the venue.

You will need to perform risk assessments and document them. Think about what sort of things might go wrong and the possible outcomes.

Public Liability Insurance

You need to have public liability insurance in place for your event. What happens if an elderly visitor to your event slips in the car park and breaks their leg? Or if a piece of equipment falls on someone and injures them? These things do happen so you need to have the right insurance in place. Liaise with your venue to see what is covered by their insurance, and what isn’t.

Noise Levels

Usually you will only have issues with volume if your event features a particularly loud band or will take place late in the evening. Some premises are subject to noise abatement orders, meaning they’re legally obliged to measure noise and keep it below a certain level. Other premises need to give due care and attention to their neighbours.

Disabled Access.

All newer premises are required to provide full access and facilities for disabled people, but older premises are not. Event organisers do not have to ensure access for disabled people, but it’s good practice to do so wherever possible. Where it’s not possible the publicity should point this out.

Food Hygiene

If you are serving food to the public it needs to have been prepared and stored in accordance with food hygiene regulations. Someone with a food hygiene certificate should take responsibility for managing the catering.Premises that are regularly used for food preparation are inspected by the local council from time to time.

Parking

If you are planning a major event and do expect to have enough car parking space it is wise to talk to the Police about what other arrangements might be possible. If you need to keep kerbsides clear on certain roads you can hire traffic cones from the Police for this purpose.

Child Protection

Your organisation should have a Child Protection Policy and your event should comply with this. If it does not, or if this is a privately organised function, you need to be aware of child protection issues. At the very least any volunteers working with children must have had a Criminal Records Bureau (CRB) check.

What Software Companies Don’t Want You To Know About Your Data Security Liability

Today I received an email from a client. He had a question I have been getting a lot recently. In the software world, companies have been using this topic as a way to manipulate doctors into buying their software. It really bothers me because, as a doctor, I would be really upset if I knew how much exposure they were really costing me had I bought their deception.

Two types of systems

There are two types of systems. Cloud/Web based and client server.

  1. Client Server means the server and data is stored in the doctor’s office. Then other computers in that office connect to that internal server. Each computer and the server need to have the software installed on them. The software needs to be updated on a regular basis. Examples are Chirotouch and Platinum
  2. Web/Cloud means the server and data is stored in the cloud or more accurately, stored on a server that is in a data center connected to the doctor’s practice by the internet. In this case, the software itself is also stored on the same servers. You can think of it like quickbooks online version.

I want to own my data

Of course you do and you should. The lies start here. Some Client Server software companies have been telling doctors that if their data is on a cloud server they don not own it. There’s no other way to say it. It is a big fat lie. You always own your data. It doesn’t matter where the server is.

I want to keep access to my data

Again, of course. Client server companies have been telling clients for years, “if you ever leave that company you can’t access your data again”. It is a scare tactic, again a lie. If a company ever held your patient data and would not give you access to it, it would be illegal. By law cloud based systems must to store PHI (Protected Health Information) for 7 years or whatever is the legal requirement for that doctor’s state.

They will keep your data hostage

Maybe they are unaware, maybe it’s another lie, maybe they have no clue about running a business. Considering the other tactics I just discussed I have my own opinion.

The truth is we are all in business. Imagine what would happen from a PR standpoint if a cloud based system withheld access to a former client’s patient records. It just doesn’t make sense. In the age of Twitter, Facebook and other social media outlets withholding access to a client’s data for no real reason, legal or not, would be just plain stupid. Most cloud based systems have a clause in their contract for the case where a former client needs to gain access to patient files.

Again, consider the alternative. You buy a new client server system. You use it for a few years. You decide to go in another direction. Maybe you choose to move to the cloud. 5 years later a patient has a legal case unrelated to your practice and they request records that were on your old client server system from 7 years ago. By law you are required to provide them.

You go into the dark recesses of your office where your old server is. Hopefully you still have a computer connected to the server. In any case you haven’t fired either of those babies up in 5 years! Who are you going to call? How will you get the records? What if the server doesn’t even turn on?

If you don’t have a computer hooked up to that server you’d need to do so. Will a new computer be compatible? It would need to have the software installed on it in any case. Do you think that old software company will actually give you a license? What if they were bought out in the meantime? (There’s a reason all of these client server systems are getting purchased by the way)

Where is the data safest?

PHI data is some of the most valuable data on the black market. Some questions you should be asking are:

Where is a hacker most likely going to try to get such data? One might think it makes sense for them to go to a large data center where the most data is stored.

The correct answer? They will go where it is easiest to get.

Where is the easiest place for a hacker to get data?

My software is cloud based so I can tell you. Our data is stored in a HIPAA compliant data center similar to those data centers that store Wall Street Data. The data center’s security system requires biometric scanning just to enter the building. The power source to the center has diesel generator backups in case of catastrophe. In such a case the data centers are among the first to receive the diesel gas even when there is a shortage. Even before gas stations. There is 24/7 security on site. For the data center it is best practices to have the latest firewall protection measures in place and constantly update them. It’s like Fort Knox for data. The connection from the doctor’s office to the data center have the latest banking level encryption required by law. Every keystroke is protected. If you were a hacker, would that be the place you would go?

Consider their alternative.

On the other hand we have doctors who were told keeping their data in their own office was safer. Their office network in not likely to have firewalls at all and most likely they are not updated on a regular basis. There are many holes in the system a hacker could penetrate. For example, many of these systems tout online patient intake forms that send intake forms to the software server in the office. The problem is it also leaves a big fat hole for a hacker to penetrate. If I were a hacker I would do a Google search for physicians in any given area and start hacking. They are the weakest most vulnerable link.

Is there an liability if your data is stolen?

You bet. Big time. If your data is stolen because of negligence such as purchasing a software like one of these client server systems, the fines are all yours. That software company has zero liability. Even if they did I would bet they have insurance against such claims. They will never feel it. It could put you out of business.

One the other hand. With a cloud based system you have basically outsourced the liability since the system is entirely contained and HIPAA compliant. If the data center gets hacked you will most likely have zero liability. Cloud based software companies should carry hefty data security insurance policies.

What will it cost you if your data is stolen?

The fines are considerable. Remember each patient record that is compromised even if they have not been in your office for some time, counts as one occurrence. It is also PER OCCURRENCE AND PER YEAR you’ve had that patient record.

There are 4 categories. CE stands for Covered Entity which would be your office in this case.

Category 1: A violation that the CE was unaware of and could not have realistically avoided, had a reasonable amount of care had been taken to abide by HIPAA Rules

Category 2: A violation that the CE should have been aware of but could not have avoided even with a reasonable amount of care. (but falling short of willful neglect of HIPAA Rules)

Category 3: A violation suffered as a direct result of “willful neglect” of HIPAA Rules, in cases where an attempt has been made to correct the violation

Category 4: A violation of HIPAA Rules constituting willful neglect, where no attempt has been made to correct the violation

Not sure which category these examples fall under? That’s a great point. Guess what? You’ll have to pay a lawyer just to argue that point.

The Fines:

Category 1:Minimum fine of $100 per violation up to $50,000

Category 2: Minimum fine of $1,000 per violation up to $50,000

Category 3:Minimum fine of $10,000 per violation up to $50,000

Category 4:Minimum fine of $50,000 per violation

Potential Jail Time:

Tier 1: Reasonable cause or no knowledge of violation – Up to 1 year in jail

Tier 2: Obtaining PHI under false pretenses – Up to 5 years in jail

Tier 3: Obtaining PHI for personal gain or with malicious intent – Up to 10 years in jail

Source: http://www.hipaajournal.com/what-are-the-penalties-for-hipaa-violations-7096/

Will the government ever really enforce these laws?

There is a major misconception about this. In the early years of HIPAA the government did not effectively enforce many HIPAA violations. It was a typical example of the government coming up with a “great law” but forgetting it would be only as good as their ability to enforce it. So they didn’t for a while.

With the economic downturn and the lack of revenue to the government they started getting creative. That combined with the rise in data security awareness as recent as the 2016 election got the government’s attention. Who better to recapture revenue from than the “rich doctors”. The Obama administration decided to hire private parties to find such violations. The HIPAA mercenaries are paid a percentage of the penalty received by the government. Actually a good a idea if that is the business you’re in. The tiers and categories were signed into law in 2009 by president Obama as part of the American Recovery and Reinvestment Act. If you remember this was in the very early days of his administration. The first bill be signed if I remember correctly.

The answer to the question is yes.

In summary

  1. Do you own your data if it is in the cloud? Always
  2. Do you have access to your data in the cloud? Always
  3. Is your data safer in the cloud? Much safer
  4. Do you have more liability in the cloud? No, much less

Disclaimer: I am not an attorney and this article should not be considered legal advice in any way. Always consult with your attorney for legal advice on these matters.

Advantages of Healthcare Business Process Outsourcing Services

Healthcare service has turned out to be one of the largest industries for outsourcing- both in terms of income and work. Healthcare services involve doctor’s facilities, medical devices, clinical trials, outsourcing, telemedicine, restorative tourism, medical coverage and medical equipment. The global insurance interest in outsourcing has developed greatly in the current years because of the industry’s drive to lessen costs while as yet having the capacity to give quality healthcare services.

Earlier, the industry constrained their outsourcing to medical data entry and medical transcription. Yet, with the developing mindfulness that outsourcing has more prominent advantages for healthcare associations and doctor’s facilities, many are investigating into insurance data administration frameworks, clinical research, big data, medical billing, and IT to keep patient information secured among numerous others.

As indicated by Jonathan Clarke, Assistant Professor of Health Policy and Administration at Penn State University, “Outsourcing is something we ought to consider, particularly when it energizes proficiency and grows access to human services, however we should be canny about it so as not to put tolerant wellbeing at hazard.” He likewise expressed that around 90% of the doctor’s facilities in the United States are outsourcing a few services especially radiology benefit.

Four reasons the healthcare industry ought to contemplate outsourcing their non-restorative operations are:

Critical mistakes are avoided: – As per Tom Lowery in his article entitled 8 Ways Outsourcing Can Help Hospitals and Patients, US healing centres leave about $125 billion on the table every year as a result of poor medical billing practices. Also, 80% of hospital expenses contain blunders. One element that adds to this is a few hospitals are not updated with currently changing billing rules and regulations. With outsourcing, healthcare organisations can have a devoted group of prepared experts that spotlights on billing purposes.

Diminished training costs: – Healthcare organisations that outsource their procedures don’t likewise need to stress over spending additional cash for instruction, programming or staff preparing since the outsourcing accomplice sees to it that their representatives are fully informed regarding the most recent changes in benchmarks and controls.

More opportunity to concentrate on giving quality patient care:- With an outsourcing accomplice dealing with searching for a healthcare association’s staff and preparing them, healthcare providers have the capacity to concentrate on the more imperative things in the business – in this case, giving the best quality care for patients. Outsourcing will help providers to diminish their dull authoritative and overseeing workload, and permit them to give a positive patient care involvement and enhance it as well.

Save on cost without trading off quality of business: – The greatest favourable advantage of outsourcing is the lessened expenses in healthcare operations. Outsourcing brings in huge savings with its ease labour and framework. Healthcare services outsourcing can help spare organisations 30-60% of expenses. Besides dealing with staff obtaining and maintenance, having an outsourcing accomplice likewise decreases excess managerial costs since the immediate advantage of outsourcing is monetary surge.