Category Archives: News & Article

Tax Implications of the Affordable Health Care for America Act

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

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Immortalize Your Hero – Ultimate Online Mercenary Trading Card Game

Unit Command by Wildcat Gaming is a smart and refreshing military trading cards game. The game allows you to form your own army, complete with officers, fighting units and reinforcements, each represented in form of a trading card. Two players compete against each other using their armies to accomplish a mission. Each mission is based on a certain terrain, and a player with army more suited for that terrain has a higher chance of winning. Unit Command has features of RPG based games, free online strategy games, collectible online trading card games, and free online military games. This makes Unit Command the ultimate online trading card game. Whats more, the game requires no download, and is absolutely free to play. Cards can be traded by players, and cards can be won from the opponents army.

Recently, Wildcat Gaming introduced a new feature called “Immortalize Your Hero”. The real heroes are not in the virtual world but in the real world. They are the soldiers that keep us, our families and our homes safe from domestic and foreign threats. They should receive the respect and appreciation that they deserve. In order to honor the real heroes, Wildcat Gaming came up with the “Immortalize Your Hero” campaign where trading card adaptations of some of the peoples favorite soldiers will be developed and inducted into Unit Command. The general public has been asked to submit the photographs of their favorite soldier. Along with the photograph, people have been asked to submit the reasons for the soldier being their favorite. Some of the peoples favorites will be immortalized in form of a trading card in Unit Command.

This is a brilliant campaign on two counts. Primarily, it is an excellent way of honoring the unsung heroes, who deserve a lot more than this. Secondarily, this is a good way of differentiating Unit Command from the other military based games. Other games have cards that are figments of the design teams imagination. Unit Command has additional trading cards that are based on the real heroes. Imagine the excitement of the player on seeing his real life hero as a part of his army in Unit Command Trading Cards Game.

In order to honor your hero, you too can log on to and submit photographs and descriptions of your favorite soldiers. Who knows, your favorite soldier might be a part of Unit Command by your next game.

Why do you deserve a fashion bag

Why do you deserve a fashion bag? You deserve a top designer handbag because of several reasons. Chaussures mbt First, because they really are a great investment. Second, because they make the

outfit. And third, because they just make you feel more confident and happy. mbt pas cher Keep reading this article so you can buy those fantastic authentic handbags with a smile and no

regrets. Fashion bags are a great investment because they last a long time. If you take care of your purses properly, then you will own the purse for several years. So start thinking of

buying these designer handbags as an investment. When you change you way of thinking, you will realize that you really do deserve one. Why you could keep the purse for years,

that is if you like the top designer brand. Yes, styles of purses go out of season, but they do come back. And just having the brand on the purse really keeps the purse from

going out of fashion at all. Plus, you go always sell your old purse to someone else and then invest in another fashion purse. Having an old purse that is ready to fall apart does not make an outfit, but designer handbags truly make the outfit. The top fashion bags are made of fantastic material. They

last a long time, again depending on how you treat it. A stylish purse can make any old outfit look classy, just because you have a beautiful classy bag to top it all off. You

may feel embarrassed wearing an old outfit, but the purse will make you feel confident. And confidence is key to looking your best and making a good impression. Owning fashion bags really do make you feel more happy as well. They make you feel classy and beautiful, especially when you buy one for a great deal! There are a lot of great

deals out there too, you just have to know where to look. And if you have been wanting one forever, why not treat yourself? Buy a designer handbag that goes with everything and

you will get a lot of use out of it. Wear a smile on your face everyday when you wear your authentic handbags everyday. Anything that will make you that happy is worth the

investment, right? You deserve designer handbags. Just find the right purse for you that you can wear with everything. Search for the great deals and be happy knowing that you scored a great

bargain. Be happy owing your purse and wearing everyday. Remember, to think of it as an great investment that you will have for years to come. mbt france Make your outfit look complete by

investing in authentic handbags. Keep smiling when you buy beautiful fashion bags with no buyers remorse.

Growth Momentum for Auto Stocks Maruti, Mahindra and Mahindra on NSE

Do you know the auto industry is expected to witness 40 percent growth over the next five years or more? According to a survey, 14.7 percent of the global growth in this segment is to come from India! This is only good news for investors of auto stocks such as Maruti Suzuki, Mahindra, etc. Of course, the market hovering between gains and losses is a humdrum affair given the volatile scenario. It is no unusual to find auto stocks in morning trade slipping into the red from positive terrain and again hitting fresh intraday low in the afternoon. The market breadth can be either positive or negative depending on changing trends, global cues, sector performances, and related paraphernalia.

The auto indices of the Indian bourses had risen majorly last year due to better earnings by companies like Maruti Suzuki, Mahindra and Mahindra, and more. The growth momentum is expected to continue this year as economic slump is bottoming out. And consumer sentiments in auto stocks have revived. Besides, cut in interest rates have only encouraged people to take loans to buy vehicles, leading to increase in sales, and thereby growth of the companies. Analysts are positive on Mahindra and Mahindra due to its presence in major countries across the world, wide distribution network, and diversified product portfolio. The auto giant has seen a 40 percent plus rise last year. It was Maruti Suzuki that emerged as the market leader, rising by more than 57 percent last year. Investors, putting in their money for the long term on these and other blue chip auto stocks, can expect to gain up to 20 percent during the year.

Quarterly results do positively or negatively affect the price of shares of not only auto stocks but also other sector-specific stocks. Maruti Suzuki India on NSE hit a 52-week high, surging over 4 percent, soon after its q4 results ending March 31, 2013, were declared. The auto giant registered better-than-expected results with net profit of Rs 1,150 crore, up 79.6 percent from the same quarter of the preceding year. After the q4 surprise, what further saw a trending Maruti Suzuki India NSE stock was the yen’s dramatic decline, facilitating cheaper yen-denominated imports of auto components. According to the last 52-week price change statistics, Maruti Suzuki India NSE stock was priced highest at Rs. 1774.40 and lowest at Rs. 1051.

Mahindra and Mahindra on NSE saw its price perched highest at Rs. 1026 and lowest at Rs. 633.95. Mahindra is yet to unveil its q4 results, scheduled to be announced on May 30. Surprisingly, though the auto bellwether registered a 26 percent rise in its profit in its q3 results ending December 2012, its shares fell. Soon after the declaration, Mahindra and Mahindra NSE stock fell by over percent. Markets are unpredictable so are consumer sentiments!

Small Business Telephone Systems For Effective Communication

Implementing an efficient telephone system can definitely improve the way you communicate with your customers and business associates. Small business telephone systems are a great option for budding business enterprises to maintain effective communication.

Convey a Professional Business Image

Repeated breakdown in your communication system and improper call management can adversely affect your business image. Small business telephone systems offer organized call management and professional business communication. The enhanced communication experience that they offer would certainly attract more customers and enhance your sale leads and revenue. These phone systems come with high-tech call handling features including find-me/follow-me call forwarding, call conferencing, music on hold, voicemail, fax to email, voice to email and more.

The auto attendant receives calls in a professional manner and is programmed to transfer them to extensions, mailboxes, call queues, groups and conference rooms, as directed by the caller. The virtual receptionist manages several calls arriving at the same time with incredible efficiency.

Manage your Business from Distant Locations

Business establishments with more than one office and/or a mobile workforce benefit a lot from this small office telephone system. The advanced call forwarding feature routes calls to landline numbers or cell phones configured as extensions. Your business can be easily administered from other locations and you can stay connected to your clients and workforce all the time. Using a broadband connection like DSL, Cable or FIOS, your mobile workers can become an extension of your business PBX phone system.

Powerful Voicemail System

Modern small business telephone systems minimize the odds of missing calls and messages. Unanswered calls are instantly routed to the voicemail system, so that the callers can leave voice messages. This facility helps focus on core tasks without worrying about not taking customer calls during busy business hours. Voice messages are forwarded to your email account as audio file attachments. Whenever a new message arrives in your mailbox, it is promptly alerted on your cell phone.

With these diverse capabilities, small business telephone systems facilitate effective communication with your business clients. To enjoy all the benefits of these phone systems, it is important to get the service from dependable providers. This would assure the smooth functioning of the system, structured services and advanced PBX features at reasonable monthly charges.

Questions To Ask When Renting Commercial Property In The West Midlands

If you need to rent commercial property in the West Midlands then you’ve got a lot of choice for areas to find property. The area has a rich history of industry and so many types of buildings are available, however, where ever you decide to rent, it is important that you ask your agent the right questions, so you understand everything about your rental agreement.

Who is responsible for what?Internal and external maintenance: Find out if it is you or the landlord who is responsible for wear and tear on the property, both internally and externally. Also try to find out what is classed as wear and tear.Meeting the standards: Find out if the building meets the standards for health, fire and safety and that it has any certificates you need. Also find out who is responsible for maintaining and checking these standards.Insuring the building: Find out if you’re responsible for the building as well as the contents insurance. It may be included in your rental fee.Getting the correct classification: Find out that the building your intend to rent has the right classification to run the type of business you intend.Disabled access requirements: Find out if it is you or landlord who is responsible for making sure the building meets the required standards.Your rent and what it coversWhen and how it’s paid: Find out when and how the rent should be paid. Also find out what happens if your payment is ever late.Your deposit: Find out how much your deposit is, but also the terms of claiming back your deposit at the end of your tenancy.What’s included: Find out what your rent covers, for example, business rates, site security, share facilities, cleaning services etc.Possible changes: Find out what possible rental reviews there will be in the future.The premises itselfRestrictions on usage: Find out if there are any restrictions on how you can use your building, for example, are you allowed to sublet.Access: Find out what access you have or don’t have, and whether this might restrict the running of your business.Security: Find out what security is available for the site and whether it’s up to standard and how it’s paid for.Ending your lease

Even though you’re just thinking about starting your lease, you need to think about when it ends too.Break clauses: Find out if you should break your lease early, what penalties are levied.What to do next

Now you know what questions to ask, it’s time to start contacting some agents to find soem West Midlands commercial property and see what’s available on the market.

Darrell Waltrip Automotive Supports 32nd Franklin Classic

On Labor Day, September 6, 2010, Mercy Childrens Clinic in Franklin, TN held the 32nd annual Franklin Classic, with proceeds from the fundraiser benefiting their clinical services. Mercy Clinic is a “comprehensive pediatric healthcare facility that serves thousands of children from 32 counties”, according to Event Director Jessica Perry. The clinic has been operating in the Franklin Community since 1999 and, as a non-profit organization, relies on fundraising events, such as the Franklin Classic, to keep its facilities open.

Events at the Franklin Classic included a 5k run, a 10k run, a 4k family walk, and a 1k childrens run. The 5k race winner was Donald Bowman, with a total time of 17:28. Jacob Carrigan placed second with a time of 17:45, and David Scott came in a close third at 17:55. In the 10k race, Scott Wietecha finished first with a time of 32:12. Additionally, there were activities for children in the KidZone, and Scat Springs performed live at the Classic.

The Franklin Classic is Mercy Clinics “largest fundraising effort With an annual budget of nearly $3 million, 50% of which is raised through sponsors and donations, we’re hoping to raise $100,000 through this years event”, according to the Franklin Classic event guide. Official figures will not be out for a few weeks. The number of race runners and walkers totaled over 3,000 and Perry estimates there were additional 3,000-5,000 spectators at the event Monday morning.

Darrell Waltrip Automotive helped the clinic by donating $20 per test drive during the two registration days of September 3rd and 4th. The test drives took race participants and volunteers around a short route, and were met with much enthusiasm.

Darrell Waltrip Automotive donated over $2,000 to Mercy Clinic from the two days of test drives. In total, Darrell Waltrip Automotive donated $12,000 to benefit Mercy Clinic through sponsorships and other miscellaneous donations, including a $500 cash prize to the school that put together the largest team for the Franklin Classic. See Franklin Classic for more information and photos on the fundraising event.

How To Reduce Gap Auto Insurance Premiums

Gap insurance auto coverage is a necessity only if the following two conditions are present:

1. You finance the purchase of a new or used auto.

2. You make a down payment of under 20%.

And in a case where you take advantage of one of the numerous 0 down/60 month lending offers you definitely want gap protection.

Nevertheless even when you do require gap insurance, it’s just necessary for as long as the outstanding loan balance exceeds the actual cash value of your car or truck. Usually what this means is a period of 21/2 to 3 years. So by the end of the 3rd year of installments the loan balance on your vehicle should be close to the cash value of your car or truck.

At this time the gap insurance could be terminated; but only if it was initially bought as a rider to a comprehensive policy sold by an insurance provider.

If, on the other hand, you purchase gap vehicle insurance protection from a auto dealer it cannot be terminated because you make a one time, up front payment.

Another significant difference between buying gap insurance from an insurance company or dealership is cost. Gap insurance coverage purchased using a auto dealer could cost varying from $500 – $700, while the same coverage bought through an insurance company will add only 5 or 6% to the price of your collision coverage, or about $30 annually.

So if your loan balance and the cash value of your automobile achieve parity within three years as suggested above, you’ll have paid out a total of approximately $90 for gap protection as opposed to hundreds of dollars more for coverage from a auto dealer.

Now, as if $30 a year wasnt affordable enough, it is possible to trim this amount even more. Since the cost of gap auto coverage is a percentage of the cost of comprehensive coverage, the less you pay for comprehensive collision coverage, the less you will pay for gap.

This provides a win, win scenario for each new car owner in need of gap insurance; especially if you have the time to evaluate a number of quotes from insurance carriers currently fighting for your business on television.

Boosting Health Care Efforts

Health care is not one-dimensional. There’s more to it than what takes place inside a hospital. Recognizing the need for a more holistic approach to health and well-being, community hospitals have come up with supplementary services for their patients, primarily in terms of education and training.

General Health Education

Taking care of yourself all boils down to knowing the basics of health. Every now and then, a person needs a refresher course on what needs to be done to keep the body in good shape. Community hospitals offer general health education classes, as well as lessons on alternative lifestyle methods that can boost one’s efforts to stay healthy.

First Aid Training

Knowing how to handle emergencies is a valuable skill, which is why community hospitals have first aid training sessions that their patrons can enroll in. Both children and adults can benefit from a few courses so they will know what to do when faced with a medical emergency.

Maternity and Neo-Natal Care Education

One of the most popular courses offered by community health care facilities like the San Joaquin hospital in Bakersfield, California is about mother and child care during pregnancy and after birth. The issues of maternity and neo-natal care are discussed in the hospitals’ regular sessions on the topics.

Disease Management

People who suffer from conditions such as diabetes can go about their routines normally as long as they manage their diseases well. To help them with this, San Joaquin hospital, CA and its counterpart facilities spread all over the country offer disease management courses. These courses cover diet requirements, lifestyle adjustments, therapies, and other related topics.

Getting access to these classes and trainings isn’t that difficult. Most of these sessions are offered for free, and participants only need to register for the programs. It is important to regularly check a community hospital’s schedule of events to know whether there are courses that one is interested in. In addition, a person can also request for a particular class that isn’t in the current list. Community health centers like San Joaquin hospital, CA are open to suggestions from their patients.

Online game within Growth alone and less happiness

We’re like the product. When the cream rises to the top, it sets apart itself from the whole milk. Perhaps that is what the New Grow older Movement is really exactly about.We find ourselves lonely at the top. Yes, it can be.

It is no different along with political enlightenment, spiritual enlightenment, and even becoming enlightened with regards to relating to each other. The a lot more mentally healthy you in turn become, the more spiritual, the more balanced, the richer, the more global anyone become?- the more alone you may feel.

I was bewildered! Why was this specific old woman creating such a fuss a good old copse which was useless to anybody? She’d written letters to the local paper, even to the national, protesting about a estimated by-pass to her village, and, looking at a guide, the route was no place near where she lived and it has not been as if the area had been attractive. I was a lot more than puzzled, I was curious.

The enquiry into the course of the new by-pass towards the village was due to take place shortly, and i also wanted to know what it turned out that motivated the girl. So it was which i found myself knocking on a cottage front door, being received simply by Mary Smith then being taken for a walk to the hardwoods.

Often, we find ourself unable to find these other rare people who are choosing the same path as ours. The course of sloppy and also lazy is full of other folks to meet and talk to. The path of whiners is actually full. The path of being safe, generic, as well as boring is so crowded you almost are not able to even move forward. Isn’t that why you left which path? You had a have to move forward, a need for some elbowroom, a need to propagate your arms broad, a need to be seen as special, unique, different. The masses may appreciate you, but they are not really able to really relate with you. You will be on it’s own much of the time.

Do not be frightened of the loneliness associated with enlightenment. Do not force other people to agree with you. Simply give the heart and know that you are growing and that they are free to grow or otherwise. It is the nature in the game. We are all absolve to choose our paths.

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