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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>dydtkhbms.info</title> <atom:link href="http://dydtkhbms.info/feed" rel="self" type="application/rss+xml" /> <link>https://dydtkhbms.info</link> <description></description> <lastBuildDate>Wed, 13 Mar 2024 22:05:31 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>15 Travelers That I Have Met</title> <link>https://dydtkhbms.info/55</link> <comments>https://dydtkhbms.info/55#comments</comments> <pubDate>Tue, 21 Mar 2023 10:07:03 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=55</guid> <description><![CDATA[There are really as many type of travellers as there are people. Here we take a tongue in cheek look at some of the common types.1. The Complete Budget TravelerThe complete budget traveler travels on a strict budget and does not vary from it, no matter how exciting the recently discovered opportunity is. No extra [...]]]></description> <content:encoded><![CDATA[<p> There are really as many type of travellers as there are people. Here we take a tongue in cheek look at some of the common types.1. The Complete Budget TravelerThe complete budget traveler travels on a strict budget and does not vary from it, no matter how exciting the recently discovered opportunity is. No extra drinks for this traveller unless someone buys him/her one.2. The Perennial Party AnimalThe perennial party animal has one focus and that is to have fun usually at a bar. These travellers find places to party where others cannot. Perhaps they should be partnered with the complete budget traveler!3. The Flexible Go-anywhere TravelerThe flexible go-anywhere traveler just chills out where-ever he/she is. There is no need for planning – everything is good. They go with the flow and to not need to know where they are going. Perhaps the traveller that enjoys any experience.4. The Methodical PlannerThe methodical planner does not do anything that is not pre-arranged. Every second is planned and when things go wrong as they inevitably do, they feel unloved. They will always be found where ever the plan tells them to be.5. The Modern TechieThe modern techie can only travel if he/she has the latest travel accessories and gadgets. Stay close to the modern techie to learn what items works and what items are a waste of money for your next trip.6. The Avid Souvenir BuyerThe avid souvenir buyer has money to spend and anything that he/she wants to remind them of the holiday. The head for the markets and shops and not interested in spending any time with the perennial party animal. Usually has trouble with baggage weight limits on the homeward journey.7. The Know it All TravelerThe know it all traveler studies everything from the guidebooks and internet prior to travel. He/she finds great joy in asking the most in-depth questions of the guides or continually interrupts the guide with statements of “fact”. Not sure who the know it all traveller should travel with.8. The Fancy PhotographerThe fancy photography will probably have the most expensive camera (and don’t forget the lens) and take the longest to take any photograph. Other travellers are always waiting for him/her at any special sight. They also like to get out very early to “catch the light.”9. The Constant ComplainerThe constant complainer finds everything on the tour not to his/her usual standard. Usually claim to be frequent travellers and often want to “talk with a higher authority”. Probably should stay home and enjoy the things that are there!10. The Helpless TravelerThe helpless traveler finds everything a little too much. He/she will ask the most unusual and often useless questions. Often there will be someone on the tour who takes the helpless traveller under their wings to protect them from the others.11. The “I am looking for myself” TravelerThe “I am looking for myself” traveler is searching for something. It is something unique for each or the “I am looking for myself” travellers. Beat to let them find themselves but make sure that they get about safely.12. The Incessant Talking TravelerThe incessant talking traveler does not leave anyone alone. They crave a discussion on almost any topic. Often they are quite interesting people but enough is enough.13. The Travel Light TravelerThe travel light traveler needs only one cabin bag to see the world. They a proud of their achievement but their travelling companions struggle when there is no time for washing clothes. They tend to like to borrow things.14. The Repeating TravelerThe repeating traveler goes to the same place or holiday each year. He/she can provide at least 101 reasons why you should join them. They take pride in telling you that they have seen three management changes at the hotel and the last manager was better than the current one.15. The Exercising TravelerFinally, the exercising traveler rises every morning to a vigorous physical workout. Only stay at hotels with gymnasium and swimming pool. Usually fussy with food and claim to eat “healthy” until the free wine is put on the table.Whatever type of traveler you are or come into contact with – enjoy the experience and learn from them. Even the most tedious travelers will have something interesting to say. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/55/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Let a Debt Management Program get your Debts on the Track</title> <link>https://dydtkhbms.info/53</link> <comments>https://dydtkhbms.info/53#comments</comments> <pubDate>Mon, 20 Mar 2023 14:50:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=53</guid> <description><![CDATA[We, the people are habitual of getting our expenses exceeding our financial recourses. We want something and we get it even if our pocket doesn’t allow it. When shortfall of money is the problem, we take loans or debts for achieving what we want. This doesn’t affect us till we are able to manage them. [...]]]></description> <content:encoded><![CDATA[<p> We, the people are habitual of getting our expenses exceeding our financial recourses. We want something and we get it even if our pocket doesn’t allow it. When shortfall of money is the problem, we take loans or debts for achieving what we want. This doesn’t affect us till we are able to manage them. But when these debts get out of our control and instead start controlling us, we are in trouble. In such situation a debt management program can be the cure to this financial fever.Debt management programs are meant for debt removal and managing repayments, enable the borrowers to breathe easy in a debt less environment. These days debt management program providers not only prepares debt management plans but also other services which you can avail to control your debts in future. Credit counseling, bankruptcy and debt handling education, budget plans, online counseling, credit report and status analysis, measures to stop debt from arising further etc are the benefits which you can avail under a debt management program.These debt management program providers also arranges debt consolidation loan for consolidation of your debts. With a debt consolidation loan amount you can consolidate all your existing debts. So that now you have to make a single monthly repayment installment instead of paying each debt separately. Also this saves lot of your money as the interest rate is much low as compared to what you are paying on all your debt in total. Debt management program combined a with debt consolidation loans serves you faster and better in eliminating all your debts.A debt management program also provides you with the automatic deposit services. Under this service the debt management program providers automatically deducts the debt amount from your checking account and pay your creditors accordingly. This removes the hassle of repaying debts on your own. Also, these service providers have tie ups with large number of lenders. They can make your repayments affordable by talking to your lenders for interest rates and repayment term.As we know that precautions always start at home, we can take certain steps from our side along with a debt management program to manage our debts. We can make lesser use of credit cards, which is a big reason for rising debts. Make cash purchase wherever possible or use debit card. Planning and budgeting can be of a great help.Debt management program are uniquely designed for every individual. For applying for a debt management program you can fill an online application form with following details:oPersonal details – Name, address and contact information, mobile numbers, email ID’s.oDebt information – Amount of debts with you, number of debts with you along with details about your creditors, credit statement for reference.oEmployment details – Your employment status and monthly income.Enrollment process for a debt management program provider will take 30 to 40 minutes. The debt management program provider will contact you with the best possible solution after accessing your information and help you see a better world. </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/53/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Best PHP Based ECommerce Platforms</title> <link>https://dydtkhbms.info/50</link> <comments>https://dydtkhbms.info/50#comments</comments> <pubDate>Mon, 20 Mar 2023 13:05:14 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=50</guid> <description><![CDATA[In addition to being the most popular server-side programming language, PHP has been evolving consistently to simplify development of websites and web application. The latest version of PHP also comes with several new language features, enhanced speed and reduced resource consumption. Hence, you can always consider developing your ecommerce application with PHP 7 to make [...]]]></description> <content:encoded><![CDATA[<p> In addition to being the most popular server-side programming language, PHP has been evolving consistently to simplify development of websites and web application. The latest version of PHP also comes with several new language features, enhanced speed and reduced resource consumption. Hence, you can always consider developing your ecommerce application with PHP 7 to make the website load faster. The enhanced loading speed will boost the search engine ranking of the website and keep the visitors engaged.You can even avail the resources provided by various PHP-based ecommerce platforms to build a custom web store without putting extra time and effort. Also, you can take advantage of these ecommerce platforms without increasing project overheads as most of them are open source and free. Also, you have option to choose from a number of PHP-based ecommerce platforms according to your business model and needs. However, it is also important to compare the features and tools provided by various PHP-based ecommerce platforms according to your specific needs.Brief Overview of 7 Widely Used PHP eCommerce Platforms1) MagentoYou have option to choose from various editions – enterprise, enterprise cloud and community – of Magento. The community edition of Magento is open source and free, whereas other are commercial and paid. But the community edition of the ecommerce platform lacks technical support. The themes and modules provided by Magento will help you to customize the look, feel, and functionality of the web store without writing additional code. You can further download a variety of themes and extensions from online marketplace. However, you have to incur additional expenses to avail the additional features provided by commercial editions of the ecommerce platform.2) WooCommerceThe PHP ecommerce platform is supported by WordPress. You can even use WooCommerce as a plug-in to integrate ecommerce functionalities into an existing website developed with WordPress. The themes and plug-ins provided by WooCommerce will make it easier for you to customize the web store and shopping cart according to your business model. Despite being highly customizable, WooCommerce also allows you to choose from a variety of extensions. However, some of these themes, extensions and plug-ins are paid. But you can always take advantage of the resources provided by WooCommerce to simplify custom ecommerce application development.3) OpenCartThe open source ecommerce platform was initially rewritten in Perl. But the developers subsequently rewrote OpenCart in PHP. In addition to providing an out of box shopping cart, OpenCart also provides a variety of themes and plug-ins to simplify ecommerce website development. Also, it supports multiple languages, currencies, tax rates, and payment gateway. The built-in SEO feature of the platform further enables you to increase the ecommerce website’s search engine visibility and ranking without deploying skilled digital marketers.4) ZenCartZenCart is originally designed as an ecommerce shopping cart program. But the features provided by ZenCart enable you to set up and run a custom web store within a short amount of time. You can take advantage of the themes and plug-ins provided by the shopping cart program to customize the ecommerce website according to your business needs. At the same time, ZenCart supports multiple languages, currencies, payment options, shipping options, and discount coupons. Also, it boost customer buying experience by keeping the checkout flow and process simple and fast.5) PrestaShopUnlike other PHP-based ecommerce platforms, PrestaShop supports over 60 languages. You can take advantage of the multiple language support provided by PrestaShop to promote and sell your products to customers residing in various regions and speaking different languages. At the same time, the modules and layouts templates provided by PrestaShop make it easier for you to customize the web store without putting extra time and effort. Also, you can avail an array of useful features provided by PrestaShop like customizable themes, mobile-friendly design, and professional ecommerce website templates. However, you have to incur additional expenses to avail the paid modules and layouts templates for PrestaShop.6) VirtueMartThe open source ecommerce platform is designed with features to complement Joomla CMS. VirtueMart scores over other ecommerce platforms due to its enterprise grade security features and performance. But many developers use VirtueMart for developing small to medium web stores. You can always opt for VirtueMart to avail a number of robust features like varying product edit options, creating and managing shopper groups, generate invoice, and a unified calculator. Also, VirtueMart supports multiple currencies, shipping options, payment options, and payment gateways.7) OSCommerceIn addition to being a mature ecommerce platform for PHP, OSCommerce is also supported by a large and active community. OSCommerce developers can take advantage of the free add-ons uploaded by members of the community to add functionality to the web store without writing longer lines of code. OSCommerce further provides a shopping cart which is developed with PHP and MySQL, and can be integrated seamlessly into an existing website. Also, the ecommerce platform supports multiple currencies, unlimited products and categories, payment process systems, and tax rate. Further, it simplifies the billing and invoice generation process by updating currency exchange rates automatically.On the whole, you have to choose from several ecommerce platforms written in PHP. But you must remember that these ecommerce solutions differ from each other in the category of learning curve, technical support, maturity, and compatibility. That is why; you must evaluate the pros and cons of each PHP-based ecommerce platform, and choose the one that meets your precise business needs and objectives. </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/50/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Adventurous Offbeat Getaways Near Pune</title> <link>https://dydtkhbms.info/47</link> <comments>https://dydtkhbms.info/47#comments</comments> <pubDate>Sun, 05 Feb 2023 03:51:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=47</guid> <description><![CDATA[Pune, the cultural capital of Maharashtra is a place which is situated 560 meters above the sea level. The place has a lot of history to it, especially that of the Maratha Empire. It was once the center of power of the Shivaji Maharaj’s Maratha Empire. Pune has developed a lot since then and has [...]]]></description> <content:encoded><![CDATA[<p> Pune, the cultural capital of Maharashtra is a place which is situated 560 meters above the sea level. The place has a lot of history to it, especially that of the Maratha Empire. It was once the center of power of the Shivaji Maharaj’s Maratha Empire. Pune has developed a lot since then and has become a major IT and automobile hub of Maharashtra and since it is located at such a high altitude, there are many beautiful places and forts near Pune which are really worth visiting for your next offbeat getaways near Pune. These getaways are adventurous and you get to experience nature in a really different way and since Pune has become a very busy city lately, it has become very essential to take a break from the monotonous routine and relax while being close to the nature. So here are a few destinations which will be perfect for your adventurous offbeat getaways near Pune:Rappelling at Dudhiwara Falls Lonavala:For all you adventure lovers, be ready to have some real fun while rappelling at Dudhiwara Falls. The force of water and the slipperiness of the slope makes it really tough to rappel down, but then that is exactly what adventure is all about, isn’t it?Rafting at Kolad:Kolad is a perfect place for trekkers as well as water sports lovers. Here you can enjoy adventurous activities like kayaking, laddering, waterfall canoeing and rafting. Even the camp sites are really good and it makes a perfect place for your adventurous offbeat getaways near Pune.Japalouppe Equestrian Centre:Are you a horse lover? Yes? Then this place is perfect for you. Spread across 36 acres, this place is surrounded with mountains and lush green fields. It is the best place for beginners to learn horse riding and also various camps are held at this place and since this place is just 30 km away from Pune, it makes it a perfect your adventurous offbeat getaways near Pune.Imagica Theme Park:This place is entertaining as well as adventurous right from children to the older people with a variety of rides and activities which you can do here. The 3D and 4D rides are very good and the place is always decorated differently, making it an altogether different experience no matter how many times you visit this place.Hot Air Balloon in Lonavla:Enjoy a peaceful time with your family and enjoy nature in a way you would have never experienced before with the Hot Air Balloon trip at Lonavla. Take a tour through the beautiful Sahayadri Mountains, lush green forests and waterfalls and return back with lots of memories.Dehna:This place may be a little far away from Pune as compared to others, but trust us, you will experience nothing like this at any other place. Imagine enjoying your getaway near a rural place where at night you can sleep watching thousands of fireflies glowing in the sky! This is exactly what Dehna is all about.So go ahead and take your loved ones with you to enjoy adventure and nature in the finest way possible! </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/47/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>A Beginner’s Guide to Marketing Automation</title> <link>https://dydtkhbms.info/45</link> <comments>https://dydtkhbms.info/45#comments</comments> <pubDate>Tue, 31 Jan 2023 10:20:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=45</guid> <description><![CDATA[CRM offers a lot as a standalone software. It can oversee and track customer interactions, regulate customer service experiences, and rearrange the sharing of information over all departments. However, like any other software, CRM also has some limitations. It is not intended or designed to do everything. Here comes the need for. While automation software [...]]]></description> <content:encoded><![CDATA[<p> CRM offers a lot as a standalone software. It can oversee and track customer interactions, regulate customer service experiences, and rearrange the sharing of information over all departments. However, like any other software, CRM also has some limitations. It is not intended or designed to do everything. Here comes the need for. While automation software can be used without CRM, and vice-versa, they work so well together that the whole is often more notable than the sum of its parts.What is Marketing Automation?There are many long, complicated definitions of automation software. But a short, yet simpler definition is that it is used to automate the marketing process depending on the interests and interactions of the prospects. It provides an improved customer experience with more efficiency and higher conversion rates.The basic objective of marketing is to produce more revenue for your organization. To achieve this, we have to drive traffic to our site, convert that traffic into leads and close those leads into ultimate customers. Marketing automation actually has an impact on the conversion and closure phases of this process.How it Works:Hundreds and thousands of marketers these days are relying on email marketing to generate more traffic and better results. They send email after email to their entire list of customers and prospects, hoping that the message will appeal to some of them and that the customer will end up purchasing something. But is it really helping businesses?I think that sending the same message again and again to all prospects and customers may annoy them, causing them to ‘unsubscribe,’ leaving you without an opportunity to do business with them in the future. This is where a marketing automation system would be a sound investment. Marketing automation enable you to nurture your leads throughout the buying process and deliver highly targeted, personalized messages that actually address the specific needs of the customer.Hot Features of Marketing Automation Tools:Lead nurturing and drip marketing are the hottest features of an effective marketing automation software. A number of different software are available in the market, but not all of them are offering all the features at one platform. Before you choose your vendor for automation, you need to confirm if they are offering all the essential features.Marketing automation tools work as an intelligent gatekeeper. Prospects are nurtured and engaged until they are converted to be qualified leads, then they’re motivated further into the funnel. This keeps the sales staff from being overcome with leads that never transform into real customers. By keeping non-starters out of the labor-intensive phases of the pipeline, the product enhances ROI for both the sales and marketing departments.As leads are engaged and nurtured, their interactions are always measured and assessed. And if they stay inactive, the engagement and nurturing proceeds automatically. But when the lead turns active, the software will automatically inform the relevant faculty in the sales department. Most of the interactions and information is entered into the CRM system automatically, showing all the details about the lead’s interactions with the sales department. Having an active lead, and all the details on what made them a hot lead, is a big advantage for any sales representative.Best Practices to Follow:As many small and medium sized companies are showing interest in using marketing automation tools, there are a couple of issues faced by them. To avoid any problem in your marketing automation system, you need to follow the best practices. The following have been designed with a look at “What is working best” in the market.1. Integration with CRM and the Sales ProcessAligning sales and marketing closely is of great importance to be successful with marketing automation. The marketing team needs to understand the sales cycle and how prospects move through the cycle. In order to measure the efficiency of marketing campaigns, you need to track leads through the sales pipeline. Also, it is important to know that by sharing data, marketing automation platforms and CRMs are able to integrate and talk with each other.2. Hyper-Personalization TrendThe hyper-personalization trend is going to be the most ideal approach to market in 2015, providing people with what they are searching for and trying to avoid spamming. Thinking about the people who have shown some interest in your offers, who reacted positively, who clicked on your links, and who bounced helps in the personalization of the message and offers.3. Avoid Auto-pilot ModeMarketing automation is a good way to save your time and resources by automating functions, but it is very crucial to avoid auto-pilot mode. Automation can quickly become sales prevention when “contact us” forms are not properly routed.4. Always Use a Multi-Tasking PlatformThere are plenty of marketing automation platforms offered in the market; some are offering pure sales or email marketing, while others are limited to marketing intelligence only. On the other hand, multi-tasking platforms have proven to be helpful in managing your sales, emails, and digital marketing campaigns at the same time from a single dashboard. It saves time, increases efficiency, and raises ROI.In a NutshellLike fingers on a hand, marketing automation and CRM work individually and together to achieve the same basic tasks. Marketing automation is about starting customer relationships on the best foot, while CRM is about managing and improving those relationships. Without either finger, the hand still works, just not as well. </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/45/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Reform – How Are You Affected? – Part 2</title> <link>https://dydtkhbms.info/42</link> <comments>https://dydtkhbms.info/42#comments</comments> <pubDate>Thu, 26 Jan 2023 08:46:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=42</guid> <description><![CDATA[To date, little is known about specifics expected to come from the two departments. HHS will be the primary driver however, while DOL will address union and other labor issues that arise.Healthcare reforms do address a few specific areas by which employers, large and small, can plan. We do need to remember the final outcome [...]]]></description> <content:encoded><![CDATA[<p> To date, little is known about specifics expected to come from the two departments. HHS will be the primary driver however, while DOL will address union and other labor issues that arise.Healthcare reforms do address a few specific areas by which employers, large and small, can plan. We do need to remember the final outcome of the law was not to reduce costs. Rather, the purpose was to increase access to health insurance.The immediate timeline related to all employer sponsored health insurance plans look like this:-By September 23, 2010, all insurance plans must offer dependent coverage to children until age 26, regardless of marital status, student status, or employment status.<br />-Tightly restricted annual limits on “Essential Health Benefits” are eliminated<br />-Waiting periods for pre-existing conditions are eliminated for children under age 19<br />-Lifetime benefits are eliminated<br />-35% tax credit (immediate for 2010) for employers who offer and subsidize health insurance for its employees.Essential Health Benefits will be better defined by HHS over time, but will certainly include mandatory wellness benefits. Health plans in effect on or before March 23, are considered “grandfathered” and thus are exempt from the following mandates. However, a change in carriers, a “substantial” change in benefits, or a substantial shift in costs of premiums to employees will result in the loss of this exemption. HHS will issue R & Rs later, further defining the parameters of “substantial change”.Grandfathered plans may enjoy the luxury of smaller premium increases over time than non-grandfathered plans because these new plans have other, stricter requirements.In the interim, grandfathered plans are exempt from:-First dollar coverage for preventive care although some grandfathered plans offer this benefit.<br />-Non-discrimination rules are extended to insurance plans. That is, management may not have a richer benefit plan than non-management<br />-Emergency care services must be treated as “in-network” without prior authorization<br />-Pediatricians and OB-GYNs are considered primary care providers.Insurance carriers will be required to abide by a “minimum loss ratio” (MLR). This will apply to all group insurance plans. In short, the MLR states that insurance companies must issue refunds to groups if claims are less than 85% (large groups) and 80% (small groups) of total premiums paid. The reverse is also true. Small groups in particular could face excessively high premiums after one particularly unfavorable year. Some employers who provide health insurance are now faced with some tough decisions as a result of health care reform. Non-grandfathered plans are more likely to see significantly higher premiums than grandfathered plans, as R & Rs clarify some of the uncertainty.Health Care Reform included some other obscure provisions about which employees are probably unaware. All non-grandfathered plans and employer groups with 25 or more employees (including common ownership of 2 or more small businesses) will be subjected to a number of reporting requirements in addition to the mandates listed previously. Too, health care reform will begin to count part-time employees as well through a formula called “full-time equivalent” (FTE). This could be especially troubling to employers with fewer than 50 full-time employees, but after accounting for FTE of part-time employees they could inadvertently be counted as 50+ and subject to mandates. The FTE formula will be clarified as time goes by, but by January 1, 2014, all non-grandfathered groups will be subject to these mandates.Health care reform does not require employers to offer group insurance. Nevertheless, penalties will apply to 50+ employee groups (including FTE & remember the common ownership rule) who do not offer medical insurance. For instance, an employer would face a $2000 fine per employee (31st employee and beyond) if even one employee receives a $2000 tax credit from the government toward health insurance through the Exchange (to be explained in a later column) or through Medicaid.Employers who offer health insurance must also offer a free voucher, equal to the employer’s contribution, to all employee’s whose household income is less than 400% of the federal poverty level. The employers can then purchase insurance through the Exchange. If the Exchange is cheaper than the value of the voucher, the employer is then required to pay the difference to the employee.On January 1, 2014, the IRS will get involved. Employers of 50+ and not grandfathered will be required to report the value of the health insurance on W-2′s to be issued by January 2012. Penalties will apply here as well if the reported value is greater than $10,200 for individuals or $27,500 for families. That is, insurers will be assessed an excise tax on the coverage and because of the MLR, that assessment will likely be pushed on to employees as higher premiums.If the employer’s contribution is less than 60% or the employee’s cost share of premium exceeds 9.5% of household income and an employee receives a government subsidy, then a penalty of $2,000 for each employee (31st employee and beyond) is levied..By March 2012, employers of 50+ and non-grandfathered plans must provide a 4-page pre-enrollment coverage document outlining benefits and exclusions to all new employees. Details will be forthcoming from HHS.Reading “between the lines”, it would appear the government is making it difficult for employers at or near 50 full-time employees to offer health insurance. Likewise, employers may be forced to eliminate part-time/seasonal workers and instead opt for overtime to regular/full-time employees to avoid potential penalties and the possibility of having to cover part-time employees on insurance.Health care reform includes other mandates that will trigger by January 1, 2014, but are not as likely as the above mandates to alter an employer’s basic business model on hiring practices, nor are they as apt to influence an employer’s decision on whether to offer insurance.Inevitably, many more questions will arise. As you can see, the intent with health care reform is a push toward universal coverage through employers of 50+. Next time, we’ll talk about individuals and groups under 50 </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Before the Affordable Health Care Act, They Were Locked Out</title> <link>https://dydtkhbms.info/40</link> <comments>https://dydtkhbms.info/40#comments</comments> <pubDate>Thu, 26 Jan 2023 08:45:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=40</guid> <description><![CDATA[(Many provisions of the Affordable Health Care Act have already kicked in before full implementation of the law which takes effect in 2014.)Locked out of medical care, that is. Who? Individuals with pre-existing conditions. Now, 50,000 of them have healthcare coverage via the Pre-Existing Condition Insurance Plan (PCIP) in their state. This is a temporary [...]]]></description> <content:encoded><![CDATA[<p> (Many provisions of the Affordable Health Care Act have already kicked in before full implementation of the law which takes effect in 2014.)Locked out of medical care, that is. Who? Individuals with pre-existing conditions. Now, 50,000 of them have healthcare coverage via the Pre-Existing Condition Insurance Plan (PCIP) in their state. This is a temporary high-risk health insurance program that makes healthcare not only available but much more affordable.For example, a patient named Deborah fell victim to a back injury. It left her unemployed and unable to afford health insurance premiums. However, when she discovered the Michigan PCIP plan, she was able to enroll in it, receive the back surgery she needed and get on the road to recovery.PCIP makes a difference. It has allowed many Americans to get connected to health insurance and receive the medical care they sorely need. That’s because PCIP enrollees can receive that care immediately.The way it works is that states have the option of operating this new program in their state. However, if a state has chosen not to do so, the Department of Health and Human Services has established a plan in that state. This insurance serves as a bridge to 2014. That’s when all discrimination against pre-existing conditions will be prohibited.You can see how your state administers PCIP with either their own program or one established by the Department of Health and Human Services by clicking on the link below.https://www.pcip.gov/StatePlans.htmlInsurance up to Age 26Another plus of the Affordable Health Care Act that has been in effect since 2010 is where young adults are allowed to remain on their parent’s health plan until they turn 26 (unless the young adult is offered insurance at work).Health Care Premium ExpensesEffective on January 1st, 2011, the law requires that at least 85% of the premium collected by insurance companies administering large employer plans be spent on health care services and quality improvement for health care.For individual and small employer plans, 80% of the premiums must be spent on improving health care services.It this provision is not met, rebates must be given to consumers.Discount Prescription Drugs for SeniorsAlso In 2011, seniors who reach the coverage gap will receive a 50 percent discount when they buy Medicare Part D covered brand-name prescription drugs.Over the next ten years and until the coverage gap is closed in 2020, seniors will receive additional savings on generic and brand-name drugs. </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://dydtkhbms.info/38</link> <comments>https://dydtkhbms.info/38#comments</comments> <pubDate>Thu, 26 Jan 2023 08:43:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=38</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Gold, One of the Safest Ways to Invest</title> <link>https://dydtkhbms.info/36</link> <comments>https://dydtkhbms.info/36#comments</comments> <pubDate>Tue, 24 Jan 2023 19:06:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=36</guid> <description><![CDATA[The precious metals market has always been one of the best ways to invest for virtually every investor. Gold stands at the head of the precious metals market as the most covered and easiest investment to get into. Here are just a few of the ways that gold can protect and build your wealth.- There [...]]]></description> <content:encoded><![CDATA[<p> The precious metals market has always been one of the best ways to invest for virtually every investor. Gold stands at the head of the precious metals market as the most covered and easiest investment to get into. Here are just a few of the ways that gold can protect and build your wealth.- There are more ways to invest in gold than many other kinds of securities.The safe-haven investor is made even more safe because of the many ways that there are to invest in the metal. This ensures a high volume on the metal, and the high volume in turn secures a more stable price for the investments of everyone.You can invest directly in gold bullion in most countries; however, you will need a professional partner in order to protect your investment from the government. If you do not feel like going through this hassle, then you can invest in many derivatives of gold such as exchange traded funds and mutual funds that include gold. These investments may be slightly off of the true value of gold; the derivative investments tend to be affected by the short term attitudes in the market more than gold bullion direct investments. All of these investments are still safer than other securities because they respond much less to short term movements in the market.In order to decide between the ways to invest in gold, you should consult a professional financial advisor whom you trust. If you want to protect and build your wealth, then you must be sure that you deal with an investment that is within your budget as well as the one that is right for your portfolio.- The safe-haven investor invests in gold for the long term.If you are looking for investment that you can keep for a while without having to monitor it, then gold is definitely the investment for you. Most people do not have the time to look over their investments on a day-to-day basis. However, the only investments that truly make money outside of the precious metals market require a great deal of personal management in order to succeed. You get the best of both worlds when you invest in gold – the safety of a precious metal along with the ability to create wealth for yourself while saving time.- Gold can maintain your portfolio even when the market is going down.One of the main reasons that people invest in gold is the ability of the precious metal to maintain value and even go up in value during a bear market or recession. Gold is usually the investment that people look to when the dollar is falling. This means that you can actually reverse some of the negative effects of a recession including higher interest rates and a higher cost of living. Once the recession is over, precious metals tend to retain their value. This means that you do not have to sell your holdings once the recession is over – you can keep them as an addition to your net worth.As one of the safest ways to invest, gold is quickly becoming a staple in the portfolios of many people. In order to get the most value out of the investment, you should start to invest in the product before people begin to truly understand what gold does. Once the general public is made aware of the true nature of the precious metals market, those people will likely flood the market and drive up the price. If you get in ahead of them, then you will reap the benefits of your good decision without having to pay a premium.Try to invest in gold at a basic level if you can. The upfront cost of time that you will have to put in for bullion is well worth it. You will get the safest investment of all gold investments. </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/36/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Successful Investing – Helping Investors Avoid Common Investment Mistakes</title> <link>https://dydtkhbms.info/34</link> <comments>https://dydtkhbms.info/34#comments</comments> <pubDate>Tue, 24 Jan 2023 19:05:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://dydtkhbms.info/?p=34</guid> <description><![CDATA[The Top Mistakes made by InvestorsIn my dozen plus years of advising individuals and businesses I have found a number of common mistakes that have derailed even the best laid financial plans. I thought by sharing them I might be able to help others sidestep the pitfalls and the negative impact they can have on [...]]]></description> <content:encoded><![CDATA[<p> The Top Mistakes made by InvestorsIn my dozen plus years of advising individuals and businesses I have found a number of common mistakes that have derailed even the best laid financial plans. I thought by sharing them I might be able to help others sidestep the pitfalls and the negative impact they can have on your portfolio and long-term financial plans.1. Failing to establish a time horizon and investing accordingly -If you have expenses that need to be funded in 3 years or less, you should not be investing the cash for them in the stock market or other risky investments. These monies should be carved out of your investment portfolio (the money earmarked for long-term investing) and invested appropriately in liquid assets such as money market funds or term-certain fixed income offerings. If the money is not going to be needed for 3 years or more, an investment plan should be established based upon specific a time horizon and risk tolerance for these funds.2. Failing to thoroughly diversify your portfolio -Many investors know about the concept of diversification and think that by owning different investments, they are diversified. Diversification of an investment portfolio makes good sense on an intuitive level. However, it wasn’t until Harry Markowitz published his model of portfolio selection that this concept became a formalized part of sound investment practice and formed the basis of today’s Modern Portfolio Theory. Beyond this basic concept of diversification, the key to Markowitz’s premise is the revelation that the risk of any investment can be reduced and/or performance increased by forming a portfolio of diverse and non-correlated assets. That is, it is important not just to seek a diversity of asset types, but also to seek assets that have low or near-zero correlations to one another. It’s not about owning different investments; it’s about owning different, non-correlated investments.3. Letting potential tax implications rule your investment decisions – Many investors delay selling an investment that has done well regardless of how good or bad the future looks for the holding. Their response is, “I will have to pay taxes if I sell.” By not selling, they set themselves up for not having to pay taxes at all – usually because the investment starts on a decline and their concern switches from “having to pay taxes” to one of “hoping for a turnaround.” Don’t be afraid to take some profits off the table. While taxes are an unpleasant result of investing, I prefer to look at them as a positive sign as it indicates you are making money and your investment plan is working.4. Buying a stock based upon a “hot tip” -Too many investors listen to a friend’s advice because he or she always seems to have the next “great” money making idea. They don’t take the time to assess the idea personally and jump in because it’s only a few thousand dollars they are investing. Unfortunately this is not investing – it’s gambling. If you want to gamble, go to Vegas and at least get free drinks, dinner, a show and a room for the risks you are taking. Any investment that is being considered for your portfolio should be thoroughly researched and have passed a comprehensive financial screening scrutiny.5. Attempting to time the market -Waiting an extra day, week, or month to try and buy in at the “right price” just doesn’t work. No one can predict the future. If they could they most likely wouldn’t be sharing this knowledge with you for free. Successful investors use time, patience and a disciplined approach to increase the likelihood of maximizing their investment returns – not trying to time the market. If you have done the research and the investment is sound and meets your criteria then buy it, regardless of timing.6. Failing to regularly reevaluate your investments -Over time all investment styles, strategies and types fall out of favor. So, like timing the market, it becomes virtually impossible to know what is going to be “hot” in the next bull market and what isn’t. For this reason it is always prudent to stay up-to-date on your investments to insure they are still the same investment that you originally purchased (segment drift and manager changes can be one reason they may have changed). If your investments consist solely of mutual funds then an annual review is a good place to start.7. Basing investment decisions on emotion -Maybe the stock market is going through a bad time because of a short-term geo-political or economic event. Stay calm and make an educated, well thought out decisions about what, if anything, to do. Assess whether the event will affect the economy long-term or if it’s just a short-term blip. The best move is often no move at all. If it is a short term incident, many times the smart, prudent investor will make additional investments because the current decline provides them with an excellent buying opportunity. The key to successful investing is to have a disciplined strategy and to stick with it.8. Cashing out gains and dividends rather than reinvesting -Once you’ve realized gains or had distributions and dividends paid out, insure they are reinvested back into your portfolio. If you pull out your capital gains, dividends and interest, your money won’t compound as quickly, thereby leaving you with a smaller chunk of change down the line. Letting your investments compound is one of the major tenets of successful investing.9. Owning too much employer stock -Many people get over-weighted in employer stock because of options and stock purchase plans made available in today’s competitive compensation packages. While these are great supplements to their annual salary they can put an employee in a position of having too much money invested in their employer’s stock. Additionally, it is quite common for people to invest in “what they know” and what do you know better than the company you work for? To compound the problem many people will add more employer stock to their 401k holdings and individual brokerage accounts. Not only does this create a diversification problem in their portfolio but it also subjects them to excessive single stock risk. A good rule of thumb to follow is to insure that no more than 5-10% of your entire investment portfolio is in any one single stock. If you find yourself in this situation the importance of creating a well thought out reduction strategy cannot be overstated.10. Following the herd -The most successful of all investors are moving in the opposite direction of what everyone else is doing. They buy when most are selling and sell when everyone else is buying. By following this simple plan you can preserve your capital and potentially sidestep the next bubble (can anyone remember real estate, internet stocks, and technology growth funds?).11. Not investing at all – Somehow in today’s society that Mocha Cappuccino Latte seems to take precedence over saving for the long-term. We are a society who wishes to satisfy the “here and now” rather than the securing our future. The important fact here is that those two are not mutually exclusive. In fact, BALANCE is the key in any long-term endeavor, but by always keeping an eye on the end goal you can make sure it is not out of mind while satiating the here and now.12. Investing without a plan -Investing without a plan and lacking the discipline to follow it is a sure way to lower your chances of success. The chances of obtaining any long term goal can be greatly enhanced by creating a strategy, following it and regularly reviewing it frequently enough so it reflects any changes that have taken place since implementation. Many investors start off with a small amount of money and start putting it to work without a plan. As time progresses they find they have a mish-mash of investments in their portfolio with no clear strategy or direction. It’s never too early to invest but it’s even better to invest early with a plan.13. Taking too little risk -Some people don’t want to take any risk and cannot stand the volatility involved with risky investments. While it may seem like you are keeping your money safe and secure by not taking risk, it is more than likely you are not because of inflation. If your time horizon is greater than 5 years it is recommended that you have no less than 25-30% in growth investments (i.e. stocks) in your portfolio to ward off the effects of inflation. The actual percentage to own is dependent upon many factors including but not limited to age, time horizon before money is needed, current financial situation, etc. A good general rule of thumb to use as a starting point for the percentage of equity you may include in your portfolio is “120 – your age.” </p>]]></content:encoded> <wfw:commentRss>https://dydtkhbms.info/34/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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