#while still providing some funding for expensive but necessary things

[just-late-roman-republic-things]

Hi!! I’ve been planning to start a (biographical) comic on Agrippa for some time (to be honest, it’ll probably be a few years before it’s released…there’s still so much research and design to do…and I have not moved my pen an inch yet…but the idea is Somewhat There!)!

As one of the blogs I’ve seen on Tumblr who speaks about him quite a lot (I actually found you while looking for Agrippa content on here several months ago…!), is there anything in particular you think would be interesting to explore (/anything you’d personally like to see) in such a comic?

At this point, my ideas aren’t fully solid yet, so I’m just asking around and brainstorming ideas, and you’re one of the first people who come to mind! (I do intend to place a lot of focus on his building projects, as well as his inventiveness and versatility, since I find that it’s an aspect of him that’s underappreciated in most media portrayals)

Thanks!! And sorry if this was a strange question :”

Not at all, it's very kind of you to think of me! I love the idea!

You've gotten both the writer-side and history-nerd-side of my brain going. I will respond as a writer first. And this post got long, even for me!

Find the things about Agrippa - or any other topic - that grab your attention. What scenes keep appearing in your head? What emotions come up, what thoughts keep you awake at night? Find the core of your inspiration, the thing you need to put into art, because you may need to summon that spark again and again. It will give you the stamina to complete what might be a very long project. It will also give you the strength to stay true to your vision, and tell the difference between helpful and unhelpful advice.

If you aren't sure what that is yet, that's okay. You'll figure a lot of it out as you go along. Make drafts or sketches or outlines early, whatever gets material onto the page, you can always change it later if needed. Take risks. Make mistakes. You get as many chances as you like.

Okay, now for the history nerd brainstorming, haha. The part you actually asked about. These are the thoughts that keep popping into my head when I think about Marcus Agrippa's life. You are welcome to use any, all, or none of them.

I'm a big fan of character-driven stories, which focus on emotions, internal conflict and relationships, whereas plot-driven stories focus on physical conflicts and adventures. Some stories are both character-driven and plot-driven. It may be useful to consider which aspects you want to focus on.

War. Agrippa was probably the most skilled general and admiral of his generation. On the one hand, that skill may be admired; on the other hand, he played a role in the deaths of thousands of people. How much do we fault or forgive him for that, given the circumstances of his time? Depending on the narrator's perspective, and your goals with the comic, Agrippa might appear heroic, villainous, or anywhere in between.

Proscriptions, imperialism and autocracy. Similar to the previous point. Agrippa's one of my favorite historical figures, but he was involved in some very dark stuff. He profited off the second triumvirate's proscriptions, he shut down independence movements from indigenous people in Gaul, Spain and Illyria, he supported King Herod of Judea, and Agrippa's competence helped entrench the Augustan regime and bring an end to the old republic. I don't say this to discourage you, but because I like morally murky characters, and perhaps you would, too.

Public service. On the other hand, there's no doubt that Agrippa did a ton of things to improve ordinary people's quality of life, and rebuild Rome and its provinces. His famous building projects provided jobs, infrastructure, and art to the community at his own expense, and he funded these projects for both Romans and non-Romans. The extent goes way beyond what was necessary to secure the Augustan regime's power, so I believe it's something Agrippa valued for its own sake.

Personality. Agrippa appears to have been very good at keeping his own counsel, getting along with people and avoiding personal drama. (He somehow remained on good terms with Mark Antony enough to let Antony arrange his first marriage!) That's part of what I like about him, but it can also make it hard to gauge what his own opinions were. And it makes him easy to project ourselves onto. This can be a good thing - it's partly why I find the Isekai Agrippa AU so funny - but it can also make it harder for us to identify a story's weaknesses, or accept critical feedback. All of us are biased in some way, so it's good to be aware of your biases so you can compensate for them.

Disability. Agrippa appears to have had some kind of "childhood lameness," according to Pliny the Elder, and it's not clear whether he grew out of it. He suffered issues with his feet later in life, too. I've always wondered how that must have affected him in the very ableist, toxic-masculine culture of ancient Rome, and it's an interesting parallel to Augustus' chronic illnesses, too.

Classism. There's some funky shit going on here, too. Agrippa was a "new man," and although he held Roman citizenship, his family were from the Italian countryside, and probably only gained citizenship recently. Despite being the #2 man in the empire, the old aristocracy looked down on him, and this tension was the primary obstacle to Augustus appointing him as a potential successor.

Family. We know little of Agrippa's family life, but the hints we get are fascinating. Pliny says he had a "miserable youth"; Augustus saved Agrippa's older brother from execution during Caesar's civil war; the brother pops up much later in a court case with Agrippa not taking his side; Agrippa refused to use his family name as an adult; and we hear nothing of his mother at all. (She may even have died in childbirth, since his was a dangerous breech birth and he was the youngest sibling.) He was also very closely associated with Augustus' family, to the point of being buried with them, moving in with Augustus, and appearing among their portraits on the Ara Pacis. Which brings us to...

Augustus. Indisputably the most important person in Agrippa's life. They were definitely close friends, possibly more? I'm working on a whole Google doc about that, and will post it here eventually.

There's a lot of fun anecdotes in Agrippa's life in the ancient sources. If possible, grab some ebooks of Cassius Dio's Roman History, Pliny's Natural History, Josephus' Antiquities of the Jews and Jewish War, and Appian's Civil War, then do a search for "Agrippa" and go wild. Lindsay Powell's Marcus Agrippa is also a good, if dry, collection of everything we know about Agrippa in one place, and it has plenty of detail about his building projects. You're also welcome to poke through my #marcus agrippa tag for ideas.

[the-romantic-lady]

I don't really like that they want to focus on the causes they are passionate about, it's way too activist for me. It's like the vegan people who go to grocery stores and dump milk on the floor. Or the stop oil lunatics who block the road and people can't get to hospitals. The energy is exactly the same "the cause I am passionate is important everything else doesn't matter".

TBH the causes they are passionate about are very elitist causes. Yes yearly years is important but there's very little some parents can do. People are living in a col crisis, both parents have to work sometimes more than they wish, and have their children in childcare for more time of the day than they wish. They can't spend as many time with their kids as they would like, they have work, sometimes commute, they have housework. Sometimes it's just not feasible even if they wanted to. Then in comes someone who is the privileged of the privileged. Who has 3 homes, none of which she paid for. Who has house staff, a full time nanny and barely works, to lecture people about how much the early years of your kid is important and how you should focus so much energy and time that you just don't have on that. Without actually offering any practical solution might I add.

Then we have the mental health one. Yes mental health is important, but how talking about how important it is help anyone? Like so many people that I know would like to go to therapy but can't afford it. Or if they live in a country that does have a public healthcare it's incredibly hard to get a therapist because the line of people already wanting is too big, there's never enough professionals to meet the demands. People could not heat their homes this winter, the food is more expensive by the day, the cost of property is going up so much that people can't afford to have housing. For anyone this is horrible for mental health, working yourself to the bone and you still can't have your basic needs met, and if you can there's not much left for anything else. You feel like you get stuck and nothing you ever do is going to help. What are they doing to help people have a better life so their mental health improves? Yep, nothing.

Then we have the climate change thing. Yes Earthshot is an amazing idea, I loved how it focused on getting solutions to the problems. But like the first step to help the issue is REDUCE. And I'm not one to say people shouldn't fly, but there are things that are just unnecessary. The Queen went to Sandringham by train, but William is always going by helicopter. If it was safe and good enough for the Queen, why isn't for him as well? It's very hard to take anything he says about how important is for us to care about climate change, when he can't even give up one of his luxuries that serves no purpose. This is not a trip to a vacation once in a while, or a work trip that is necessary.

What it bugs me the most is that even if Earthshot does provide solution for the problem it focuses on, their initiatives in general do absolutely nothing concrete to help anyone in the UK. It's not like the Edinburgh Awards or The Prince's Trust that actually offer things to the community. They help young people, small businesses, what do W&K foundation do besides help themselves learn and talk about things?

On top of that, they feel like they are too good for the boring engagements, it's not enough impact to their taste. Like bitch what impact your lectures have? If it helped anyone you would have stopped talking about mental health, it's been years and you are in the exact same place.

Cutting a ribbon is not below them. And they should do it. This should be their main job. The UK is not paying their security bill so they can follow their passion, it's for them to serve them, they are glorified public servants they should serve the community not just worry about their own interests. How many activists receive public funded security just to follow their passion? Yeah no one, because that's not what the job is about.

I don't agree with this completely. I do think they need to stop thinking of themselves as activists but the public complaining is part of the problem. Their pre-2017 engagements were considered blank and not big projects. So they went this direction which I am not a fan of.

I do see the importance of their causes though. Early Years is important in a time when children will be raised by daycares and technology. Part of her earlier work has been to spend time with them, take them to nature, and socializing with other parents. The unfortunate truth is that many parents don't value this anymore. It's not about how many homes, nannies or money you have. My parents were pretty much always poor and that didn't stop my mother from giving her all to us sisters. It's because she understood the importance of raising children, giving them time and attention among other things. On the other hand, I have family that have children whose children go from school to daycare to a day home. Society is disregarding the family and the upbringing of children and we can't look away. Early years emphasizes this once more to slow down for children and I stand behind the message.

I am less interested in climate change and all but I think the solutions and award system is good. Although you do have a point with the lack of focus on Britain. But William is supposedly launching a homelessness initiative so I hope that is promising and a cause I care more about.

There needs to be a balance. There is nothing wrong with Catherine visiting schools and nurseries but then she should work more to do other things. They need to expand but their current projects are not bad imo.

[rotationalsymmetry]

I’ll take “your liberation is tied to my liberation, solidarity not charity, an injury to one is an injury to all” any day. Over being non-constructively hyper conscious about my privilege. 

Sure, it’s worth being aware when all the faces on the magazines in the check-out line are white. But the thing worth being aware of isn’t the idea that it somehow net benefits me to not have that many people of color as celebrities and politicians and so on. How does that benefit me? It harms people of color, and it indirectly harms me because it means I live in an unjust society where racial inequality gets in the way of building a world with more class equality, more public funding for social services, more sustainability, etc. 

I don’t benefit personally from Jeff Bezos existing as a billionaire and being white. I’m not convinced that Jeff Bezos benefits from being a billionaire. The harm done is disproportionately to people of color. And part of confronting the harm is untangling social norms that give white people more power, more voice, etc than people of color. But I don’t think a world of injustice overall benefits anyone, it just harms some people less than others. 

Having a very racist, punitive police and prison system does not harm me as a white person as much as it harms people of color. But I do not believe it benefits me either. It just harms me less. But it still harms me. I can oppose police and prisons and an economic system that allows billionaires to horde wealth while poor people die because they can’t afford necessities, without assuming that this opposition will cause me to make sacrifices that are not overall worth it to me.

One of the biggest privileges I had in my life was being able to go to college without taking out loans. And the world I want has that privilege for everybody. (or maybe a world where people don’t need college to get a decent job, whatever.) If what I would lose to get that world are a few nice extras that didn’t benefit me that much — I don’t know, maybe when I need glasses I get fewer color options, maybe I didn’t get skiing trips as a kid, I really don’t care people don’t need that shit — that’s worth it, that’s so much worth it that’s so much better I shouldn’t have nice extras when other people don’t have what they need to survive anyways if I got fewer nice extras in exchange for never being afraid that I might not have things I need, that’s beyond worth it. Not in some abstract “what if you didn’t know what life you’d get before you were born” sense, but in any life.

Patriarchy harms men (white, affluent, able bodied, cishet men) too. A world where you can die from being poor while others have excess harms rich people too. Racism harms white people (not as much as people of color, but it’s still overall harm.) Colonialism and the destruction of the biosphere provides fucking irrelevant material benefits to the colonizers at the expense of more important things (like idk living on a planet that isn’t dying) — it would still be bad if colonizers actually benefited, it is not necessary to demonstrate that a system of oppression is bad for everyone to oppose it, but I don’t think anyone does benefit. I think some things just make the world worse for everyone.

No amount of temporarily cheaper gas or cheaper material goods can justify the harms of living in an imperialist nation: the lies, the increase surveillance, the way that military equipment gets handed over to cops so that suppression of other people abroad is directly connected to suppression of dissent at home. The way that war profiteers turn around and fund politicians, destroying the democratic process. Not even counting the harm to vets. (And not even counting how much environmental harm the military does, we're literally destroying that which we need to survive.) It’s not worth it. For anyone. It’s just a really, really bad system.

[smallnetbusiness]

The Right Workforce Software Monday

Software designed to manage a company's staff is no longer a luxury but a necessity. The correct software may dramatically enhance operational efficiency, save expenses, and increase productivity by handling human resources, payroll, time and attendance, and workforce analytics. It takes work to pick out the correct personnel management program. With so many options available, getting started may seem daunting. Make the incorrect decision, and you risk losing money, time, and potential compliance and security. Learn all you need to know about selecting the best workforce software monday for your company from this article. By following our method, you'll be able to pinpoint the most pressing issues facing your company, research the many software options, weigh the pros and disadvantages of each, and make an informed decision based on factors like cost, simplicity of use, accessibility, security, regulatory compliance, and more. Assess Your Business Needs The first thing you should do while looking for workforce software monday is to evaluate your company's requirements. Identifying the most pressing issues facing your company and pinpointing the features necessary to alleviate those issues are essential first steps before beginning your software evaluation. This will help you zero in on a tailor-made software solution for your business. To start, poll influential people inside your company for their thoughts. Human resources personnel, supervisors, and workers all fit under this category. Please inquire about the difficulties they confront on the job and how software can aid them in getting through them. You may then prioritize the essential features and fix the biggest problems in your business. After you know what your company requires, you may make a list of the features and functions that are necessary. Examples of this may be: - Human Resource Management Software is required to handle employee information, payroll, benefits, leave, and evaluations. - Time and attendance software is essential for managing your employees' time and attendance data, such as time monitoring, scheduling, and absence management. - Payroll: Payroll software is needed to handle payroll tasks such as calculating and delivering paychecks, paying taxes, and creating reports. - workforce software monday analytics software is essential if you want to learn about your staff's efficiency, output, and dedication. By determining what features are essential to your organization, you may reduce your software search and make an informed decision. You should consider your alternatives carefully since not every software provides these features. Your available funds and resources are still another consideration. Depending on the capabilities you want and the size of your company, the cost of workforce software monday may be several hundred dollars per month or tens of thousands per year. Know your budget for software and the tools you have available to help you successfully adopt and manage it. Recognize The Many Workforce Software Types Next, you'll want to learn about the various workforce software monday options after evaluating your company's requirements. Many applications exist today, each tailored to meet a unique set of requirements in the corporate world. The most common forms of workforce management applications are as follows: - Payroll, benefits, vacation time, and performance evaluations are just some employee information that may be managed using HR software. - When managing your staff's time and attendance, this software has you covered with features like time monitoring, scheduling, and absence management. - The purpose of payroll software is to automate the payroll process, from employee time tracking and scheduling through payroll tax filing and report generation. - Workforce analytics software is software for analyzing workforce performance, productivity, and engagement. - A Learning Management System (LMS) may streamline training and development. - An application tracking system (or ATS) is a piece of software made to simplify the hiring process. - Software for workforce planning and management helps businesses with tasks such as demand forecasting, scheduling employees, and increasing efficiency. Consider Integration Capabilities Integration features should be considered while deciding on the best workforce software monday. The term "integration" is used to describe when two or more software programs may exchange data with one another automatically and without any human intervention. Most businesses rely on various applications to control their many moving parts. Human resource management software, payroll management software, and a learning management system are all examples of software that might be used by a business to manage its employees better. The lack of compatibility across these applications increases the potential for mistakes and delays. Use workforce software with robust integration features to simplify processes and maximize output. While assessing the extent of integration, it is essential to take into account the following: APIs and Connectors: Connectors and Application Programming Interfaces (APIs) are two types of software that facilitate data exchange across applications. If you want your systems to communicate without hitches, you need software that provides powerful APIs and connections. People also search: Technical Debt Register Template Open Architecture: Unfortunately, the closed nature of specific applications makes combining them with other programs difficult. Choose software that has an open architecture and can be readily incorporated into other systems. Pre-built Integrations: Some programs already have built-in compatibility with the majority of the other programs out there. In the case of human resource management systems, a preexisting interface with payroll systems may be provided. To cut down on the time and work needed to connect various solutions, it is recommended that you search for software that has pre-built integrations. Custom Integrations: Creating unique connections across applications is sometimes necessary. To ensure your systems can be efficiently connected, you should look for software solutions that support bespoke integrations or collaborate with integration partners. Data Mapping and Transformation: Integrating disparate applications requires precise data mapping and transformation. Data mapping and transformation tools are available in many software packages and may significantly reduce manual labor and human error. Security: Integrating disparate software systems requires extra precautions to protect sensitive information. To keep your information safe, you should search for software that includes security measures like encryption and multi-factor authentication. Evaluate Ease Of Use And Accessibility Finding the proper workforce software monday requires considering how accessible and user-friendly it is. As your staff will be utilizing the program regularly, it should be straightforward to learn and use. While assessing usability and accessibility, keep in mind the following: User Interface: The program's interface has to be straightforward. Find programs with an easy-to-navigate interface that helps workers quickly find their needs. Customization: Depending on the program, you can modify the user interface to suit your company's requirements better. To provide your workers with a better software experience, you should look for solutions that allow for personalization. Mobile Accessibility: Choosing workforce software monday that can be used on mobile devices is crucial since many workers now work remotely or travel often. To guarantee that your staff can use the software from any location, it is recommended that you search for solutions that either include a mobile-responsive interface or a specialized mobile app. Instruction and Help: Employees may need training on even the most user-friendly software solutions. To make sure your staff can use the software well, it's essential to choose a solution that provides training and support tools, such as online courses or specialized customer assistance. User Acceptance: Adoption rates may be affected by the software's usability and availability. To guarantee that your staff will be able to make good use of the software, it is essential to search for options with high user adoption rates and excellent user ratings. Compatibility with Preexisting Equipment: Consider how the workforce software monday will interact with your current programs and hardware. If you want to keep things running as smoothly as possible, it's best to choose a software solution that works well with what you already have. Help for Several Languages: Use a program that supports many languages if your workforce includes people who speak those languages other than English. To ensure that all your staff can use the software, it's a good idea to look for choices supporting many languages. Selecting simple and straightforward workforce software monday for your staff to use is possible via careful consideration of factors like usability and accessibility. As a result, adoption, productivity, and mistake rates may improve. Think About Safety And Regulations Security and regulatory compliance must be carefully considered while selecting labor management software. Personal, payroll, and benefits information are just some types of sensitive data commonly stored in workforce software. Selecting a safe and legally acceptable software solution is thus crucial. Conclusion Investing in the correct workforce software monday may have far-reaching effects on your company's output, effectiveness, and bottom line. You can find a software solution that works for your company's budget and provides the support you need to maintain and troubleshoot the software by evaluating your business needs, understanding the types of workforce software available, considering integration capabilities, evaluating ease of use and accessibility, reviewing security and compliance, and comparing pricing and support options. It's crucial to analyze and contrast the features and advantages of several workforce software solutions before settling on one. Doing so will help you choose a program tailored to your business and its requirements, bringing you closer to your objectives. Read the full article

[constructionaccounting]

549: Construction Company Budget Vs. Cash Flow

This Podcast Is Episode 549, And It's About Construction Company Budget Vs. Cash Flow

Finding some certainty can make all the difference in the unpredictable construction business world. While the future remains a mystery, budgeting and cash flow forecasting tools can significantly reduce uncertainty, allowing you to anticipate challenges, learn from past events, and enhance your ability to navigate your business.

Budget vs. Cash Flow: The Crucial Distinction

A common misconception is that a budget and cash flow are interchangeable. A budget is a projection of future possibilities, enabling you to consider various sales and expense scenarios. On the other hand, a cash flow provides a record of actual expenses and sales revenue that flow into and out of your business each month. Although they often deal with the same data, their applications differ.

Budget and cash flow are both essential concepts in construction management. However, they serve different purposes and are used in different ways. A budget is a financial plan that outlines expected income and expenses for a specific period. In construction, budgets are typically created for individual projects or a company. The purpose of a budget is to help managers plan and control expenses, set goals, and allocate resources. On the other hand, cash flow is a measure of the amount of cash coming in and going out of a business over a specific time. 

In construction, cash flow is significant because it can be used to determine whether a project is financially feasible and whether there is enough cash on hand to pay for expenses. Budgets and cash flow are related but not the same thing. A budget is a plan, while cash flow measures actual cash transactions. A project can be under budget but still experience negative cash flow if expenses exceed income. 

Conversely, a project can be over budget but have positive cash flow if income exceeds expenses. 

You might budget $1,000/month for online costs, whereas in the cash flow, you'd record the actual amount spent. Despite their distinct uses, cash flow and budgeting are often maintained on the same spreadsheet or similar accounting software for ease of use and comparison.

The advantages of budgeting and cash flow forecasting

Incorporating budgeting and cash flow forecasting in your construction business has numerous benefits. They help predict and manage potential cash surpluses or shortages, plan for tax obligations, time new equipment purchases, determine when to buy in bulk, and even identify when you might need a small business loan or a line of credit.

Budgeting and cash flow forecasting are essential tools for any construction business. They provide a clear picture of the company's financial health and help identify potential problems before they occur. By creating a budget, companies can plan their finances more effectively, set realistic goals, and allocate resources to maximize profitability. 

This is particularly important in the construction industry, where projects can be complex and costly. Cash flow forecasting is equally essential, enabling businesses to understand their cash position and ensure they have sufficient funds to meet their obligations. This is particularly critical in construction, where delays or unexpected expenses can quickly impact cash flow. By forecasting cash flow, businesses can plan for these contingencies and ensure they have the necessary funds available when they are needed. 

One handy feature is the ability to track expenses and highlight any unusual cost increases or decreases. This allows you to take prompt action to address the issue. Additionally, these tools can help monitor sales levels and flag any underperforming areas of your business.

Practical tips for effective budgeting

Preparing an annual budget requires sufficient time – allocate at least two or three months for this process. Update your budget each month based on the actual cash flow. Remember that the sales forecast is often the most challenging part. If you're new to the construction business, examine separate estimates for different products or geographical areas and note any seasonal patterns in your company and industry.

Sensitivity analysis: a proactive approach

A sensitivity analysis, often called 'what if' scenarios, can help you understand how different outcomes affect business performance. This analysis allows you to review the effects of changes in your revenue or costs. 

The power of regular updates

Regularly comparing your actual expenditure against your budget enhances your ability to predict future costs accurately. Reviewing and updating your budget and cash flow forecasts at least once a month or more frequently if your business environment changes quickly is good practice.

Having a construction accountant on board can be incredibly beneficial when managing finances in the construction industry. One of the critical advantages of having a construction accountant is their ability to help with budgeting and cash flow. 

  A construction accountant can assist with creating a budget that takes into account all of the costs associated with a construction project, from materials and labor to permits and fees. By having a detailed budget, contractors can better manage their cash flow and avoid surprises down the line. 

  Additionally, a construction accountant can provide ongoing financial analysis and reporting, allowing contractors to stay on top of their finances and make informed decisions about future projects and investments. With the help of a skilled construction accountant, contractors can better manage their finances and set themselves up for long-term success.

In summary

Budget and cash flow are essential in construction management but serve different purposes. A budget helps managers plan and control expenses, while cash flow helps determine whether a project is financially feasible and whether there is enough cash to pay for expenses.

Budgeting and cash flow forecasting are potent tools to help construction businesses like you manage your finances more effectively, plan for the future, maximize profitability, and guide your business decisions. However, their value lies in their regular review and updating, ensuring their figures remain current and reflect your construction business's financial health. 

PS

  We offer free resources to help you save time and money that you can download and print now. 

About The Author:

Sharie DeHart, QPA, co-founded Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on managing the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com

Check out this episode about Contractors Marketing - Accounting - Production (M.A.P.)!

[medicareinsuranceaz]

How Have Population Changes Affected the Medicare Program? | Medicare Insurance Arizona

According to the US Census Bureau, there are roughly 56 million adults aged 65 or older in the US. That’s about 16.5 % of the US population.

It’s been happening for a while–the portion of the population that’s 65 years old or above–has grown. Even so, many have growing concerns about the given economical challenges. But this has actually been a concern for a while now which can lead to many worrying.

A Brief History of Medicare

Medicare is built to be mostly funded by the government in order to help care for the aging population in the United States. On July 30th, 1965, President Lyndon Johnson was finally able to sign Medicare into law. But it would take another 20 years after signing it into law to be implemented. This is because of how long it took for Congress to agree on the terms and pass the bill.

How does Medicare work?

Medicare A and B

Medicare Original – which consists of the medicate A and B plans – is typically the least expensive option. It doesn’t include any extra features such as dental, vision. or prescription plans. But it does provide coverage for any medically necessary hospital visits or stays as well. These are things like doctor’s visits and medical exams.

While this option will cover emergencies and some doctor’s visits there are limitations. It typically won’t cover the things necessary for preventative and sick care for someone who is aging.

Medicare Advantage or Medicare C and D

If you have either Medicare Advantage or Medicare C or D , it most likely means you pay more. This is because you have to partner with a private insurance company to get coverage. While this is more expensive, in 2022, there are more private options than years prior. Because of the increase in competition, it helps bring the price down between all the insurance companies.

How has Medicare changed over the years?

Medicaid has undergone significant changes over its 70+ years of operation. This is in part due to the constant changes in the medical field as we learn more about the human body. Health, illness and diseases are things that are ever evolving. One of the biggest changes in the medical field is the how much more important preventative health is as oppose to just “sick care”.

The Change of the Population Landscape in the United States

In a report to congress in 2015, the amount of baby-boomers that would become eligible for Medicare was alarming. One report shows that the number of beneficiaries who will receive Medicare will increase to over 80 million by 2030. That’s a 48% increase from the 54 million beneficiaries that receive care in 2015. Not only will there be a change in the amount of beneficiaries but also in the demographic. Here are some expected changes of those in the program.

5. What about Medicare Advantage?

Part C of Medicare became Medicare Advantage (MA) in 2003. The percentage of Medicare beneficiaries enrolled in MA plans increased by almost double between the years of 2005-2013.

The rapid growth and higher MA payment rates allowed for plans to attract beneficiaries with come away from Part B and Part D premiums and lower their cost sharing.

According to Medicare Advantage.com, in 2022 the average Medicare beneficiary can choose from 39 available plan options, This is the largest number of plans in a decade

So how have the US population changes affected the Medicare Program?

Whether you are someone that is about to become eligible for Medicare, or you are someone who is still years away from Medicare eligibility, it’s important to understand the trends and what options may be available for you or your loved ones as they need Medicare coverage.

Ensuring that there is culturally competent healthcare needs to be a priority as the demographic and landscape of the aging population in the US changes and as more and more minority groups are eligible for Medicare.

There have been countless studies done on disparities in healthcare when it comes to certain minority groups as opposed to the care that caucasion people typically receive. Spending time to make sure that the coverage and networks of doctors available to ever

Everyone deserves Medicare Coverage

If you are ready to check out your options for Medicare and you aren’t quite sure where to begin, please contact our experts today to answer all of your questions or get you started on the path to Medicare coverage.

We’re here to help! Call us today. 480-331-7974

[foreseeableresourcegroup]

What Are Some Small Business Funding Options

Small businesses come in all shapes and sizes, but one thing they have in common is that they need cash to get started, grow, and stay afloat. If you’re like most small business owners, you want to keep your start-up costs as low as possible while still having enough money to operate and grow your company to a profitable point. In this article, we’ll cover all the different types of small business funding you can explore when starting or growing your business so you can find the right options for your specific business type and situation.

1: Credit Cards

The most popular business funding option is a credit card. Business credit cards allow you to charge purchases and then pay off the balance at the end of each month. The interest rates on these cards can be high, but they provide a quick way to fund your company if you have good credit and a steady income. These cards are also great for keeping track of expenses because all purchases will be tracked in one place. As mentioned above, there are many other sources of business funding available to those with a viable business idea and a little bit of collateral. If none of these business funding options work for you, consider borrowing money from friends or family members who believe in your vision enough to invest in it.

2: Crowd funding

The crowd funding process is a great way to test the market for your product or service, and it has opened up new ways for entrepreneurs to raise money. If you’re not familiar with crowd funding sites like fore see able resource group, check out their website for examples of what’s been funded in the past. The beauty of a site like fore see able resource group is that it will give you an idea of what your target audience wants and how much they’re willing to spend. It also lets you know if any other similar projects have already been funded. If you want to try your hand at crowd sourcing, there’s no better place than fore see able resource group.

3: Personal Savings

There are two main ways to fund your start-up costs: personal savings and credit cards. If you have the financial resources, using your own money is a great way to start a business because it means that you’re not risking other people’s money or borrowing from a bank. However, this option only works if you can self-fund. If you don’t have money saved up, consider starting your business as a side project and saving any funds generated as revenue for when you need them. Be aware that with this option, it will take longer for your side project to become profitable because of the time spent on your other job.

4: Unsecured Business Loan

An unsecured business loan is an option for those who want to borrow money without using the property as collateral. The downside of this type of loan is that the interest rates tend to be higher than a secured lending option such as a car or house, and you will have to pay it back even if your company fails. Some people use these loans as last resort options when they have exhausted all other avenues. Secured Business Loan: Secured loans usually offer better terms because they require collateral; however, many companies can’t put up assets with high value due to low net worth. Uncommitted Line of Credit: A line of credit can provide the funds necessary to fund your company’s growth until cash flow becomes consistent and predictable. Merchant Cash Advance: These loans give a lump sum advance payment with no strings attached and no payments due until six months after the first advance is paid out.

5: Small Business Grants

One thing to keep in mind when applying for grants is that you can’t use them to purchase assets or property. You can only use the funds for operational expenses, like rent, utilities, supplies, etc. There is also an annual limit on how much a company can receive in terms of grant money. With that being said, they’re still one of the best ways to get some financial help when starting your own business. It’s free to apply and it may not be worth doing anything else until you’ve exhausted all the possible avenues of funding. They have a few different kinds of grants: government-issued ones through agency; private foundations; community groups and associations; as well as venture capital firms.

6: Equity Investment

One way to finance a business is through equity investments. Equity investors provide capital in the form of cash or other assets, in exchange for an ownership stake in the company. To make this type of investment, they typically require a significant amount of control and influence over how the company is managed. If a company needs less money than what’s required for an equity investment, it may consider debt financing instead. A debt financing agreement includes a lending institution that agrees to provide capital upfront in exchange for repayment at set intervals.

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Blog - What Are Some Small Business Funding Options

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Restaurant Equipment Loans

Are you opening a restaurant and not sure how you'll pay for all the necessary equipment? Looking to update your current restaurant's equipment but don't have the cash on hand? https://www.youtube.com/watch?v=PWTmCDo77wY Don't worry! There are many financing options available that are perfect for funding your new or existing restaurant. I'll share some of the best ways to secure restaurant equipment financing so you can quickly get the necessary equipment without breaking the bank in .

Restaurant Equipment Financing

What Are Restaurant Equipment Loans?

Restaurant equipment loans are financing options for restaurant owners who need to upgrade or replace their equipment. This type of lending usually involves no down payment and large loans with payback periods that range from a few months up to a few years, depending on the lender. These loans typically involve collateral in the form of the restaurant's existing equipment, so the lender has something to back up their loan in case of default. It's important to note that while this type of financing is often easier than traditional bank financing, it comes at a cost - interest rates may be higher than those available through banks. Restaurant equipment loans can provide business owners with much-needed working capital during slow times or when there is an unexpected need to replace or upgrade restaurant equipment. The loaner will assess many things, such as credit score and cash flow when deciding whether they are willing to take on your loan agreement.

Restaurant Equipment Finance

What Are The Pros And Cons Of Restaurant Equipment Loans in ?

If you own a restaurant, chances are you have had to consider restaurant equipment financing. Many restaurants require costly kitchen appliances or large equipment pieces to operate; however, these investments can be challenging to finance without the right loan solution. Restaurant equipment loans are often more available than other loan types, and they can offer a variety of benefits as well as drawbacks. As a result of lenders taking the collateral (the specific item of equipment being purchased) into consideration when making decisions about loan approvals, restaurant equipment financing is often easier to qualify for than other types of loans or lines of credit. Additionally, purchases made with equipment loans allow businesses to invest in necessary items up-front, allowing them time to repay the balance over time instead of all at once. This can help businesses manage their cash flow better; however, this also means that the repayment terms need to adjust if the business owner wants flexibility in their payments. Another advantage is that lenders usually do not require personal collateral like a car or home mortgage when approving an application for a restaurant equipment loan since they hold onto the purchased items until repayment is complete. Unfortunately, due to changing regulations, some business owners may still need to submit personal financial information such as their credit score or liquidity and assets when applying for these types of loans. In summary, while there are many advantages associated with taking out a restaurant equipment loan - such as avoiding significant out-of-pocket expenses and having flexible repayment terms - it’s essential for business owners and potential borrowers to understand all the pros and cons before committing in case additional considerations arise during or after purchase.

Quality Restaurant Equipment A Variety of Financing Options Are Available for Restaurant Equipment When it comes to restaurant equipment financing, there are a variety of options that you can choose from. The best way to find the right choice is to research and compare the different financing tools available. The first option to consider for restaurant equipment financing is merchant financing. Merchant financing involves borrowing money from the merchant's bank or other financial institution. Generally, you will have to provide collateral to get approved for this type of loan. The upside of merchant financing is that you can typically borrow more money than with other options. Another option is price-finance agreements, where the restaurateur agrees to pay a certain amount over time in exchange for an early purchase discount on the equipment. With these agreements, the restaurateur doesn't borrow any money but instead pays over time using cash or existing credit cards. This makes it easier for those without excellent credit to access necessary equipment without worrying about getting rejected by traditional lenders due to their credit score. Finally, numerous leasing and rent-to-own programs can provide the right equipment at affordable monthly payments. These programs typically require less upfront capital and hence are more accessible even if one has bad credit scores or lacks enough funds at the present moment. Overall, regardless of your financial situation, there should be something available regarding restaurant equipment financing that meets your needs!

Leasing Restaurant Equipment Short Term Restaurants Equipment Finance Financing restaurant equipment through a short-term loan is one way to go. A short-term loan is only valid for a set period. For example, a six-month loan might be available. You shouldn't apply for such a loan if you do not want to make monthly payments for six months. Instead, choose a three-year loan that has lower rates. The type of equipment can also affect the length of the loan. Some types of equipment lend themselves better to being financed via a short-term loan. For instance, certain pieces of equipment are used infrequently. Such items are likely to depreciate quickly, meaning they lose value rapidly. As a result, these items are ideal candidates for short-term loans. Other types of equipment, however, are more suitable for long-term loans. These include large appliances such as refrigerators and freezers, and they are unlikely to become obsolete during a three-year loan.

Lease Restaurant Equipment Long Term Restaurants Equipment Finance Financing is always a challenge when it comes to getting your restaurant off the ground. Many aspiring restaurateurs find that long-term restaurant equipment finance can be essential in helping them achieve their restaurant goals. Long-term restaurant equipment finance allows the burdening costs of starting up a new eatery to spread out over time rather than being paid in total upfront. In most instances, long-term restaurant equipment finance eligibility depends on two factors - financial metrics such as revenue and discounted cash flow of the business, as well as personal metrics such as the borrower's credit score. It’s essential to provide comprehensive documentation and an application when asking for longer terms on loan – typically three years or more – to receive restaurant equipment finance at the lowest rate possible. In addition to low rates, long-term restaurant equipment financing also provides key benefits such as budget flexibility, more enormous purchase scope, and predictable payments, which could make all the difference between success or failure for your beloved future endeavor!

Financing Restaurant Equipment

Restaurant Equipment Financing Bad Credit

Funding restaurant equipment can be challenging for restaurant owners with bad credit. Restaurant equipment such as ovens, refrigerators, and stoves can be extremely expensive. Fortunately, financing solutions are made specifically for restaurants that can offer bad-credit financing options. The first step is to compare multiple lenders when looking for a financing solution to purchase restaurant equipment with bad credit. Compare loan terms and ensure you understand the associated fees before signing any agreement. Reputable lenders should also be willing to work with you regardless of your credit score or length of time in business. Next, be prepared to show three months of business bank statements and provide documentation about your business expenses for the year if asked. Depending on the lender, you may also need a cosigner if your credit score is too low or you have not been in business long enough. To ensure the best possible outcome when applying for restaurant equipment financing bad credit solutions, research and thoroughly review all offers before making a decision. Doing so will help ensure you have a reasonable loan rate so you can get the equipment needed to make your restaurant successful!

Buying Restaurant Equipment

What Is The Difference Between Traditional Bank Loans And Restaurant Equipment Loans?

Traditional bank loans and restaurant equipment loans both serve the purpose of providing financing for business owners. However, there are some distinct differences between the two. With traditional bank loans, the focus is typically on credit decisions and financial statements determining the borrower's eligibility to receive a loan. On the other hand, restaurant equipment loans grants access to capital to purchase restaurant equipment without any cash outlay for businesses that may not necessarily qualify for traditional bank financing. The primary factor that differentiates these two types of funding sources is eligibility. Restaurant equipment financing companies tend to have more flexible terms than banks regarding credit scores, time in business, and leverage of existing assets (such as current restaurant structures). This availability makes it easier for business owners to obtain funds from lenders specializing in the hospitality industry rather than wait long to secure a loan from a traditional banking provider. Furthermore, with this type of financing, you can often apply online right away with no up-front fees nor collateral required which adds convenience and speed to obtain funds quickly.

Restaurant Loans Bad Credit

How Do I Find The Right Restaurant Equipment Financing Company?

Finding the right restaurant equipment financing company to help you purchase the commercial kitchen and other equipment for your restaurant business can seem daunting. There are many different factors to consider when making this decision, such as the types of restaurant equipment you need, the cost of the equipment, how quickly you need it, and how much money you have available to cover upfront costs. When choosing a financing company, it's important to consider their professionalism and expertise in the industry. Read reviews from other customers to see if they have been satisfied with their service and check their customer service ratings to get an idea of how accessible they are. Comparing rates among different companies would be best to find the best deal possible. Once you find a few companies that meet your criteria and offer competitive rates, ask them about any other added benefits that come with their services, such as special deals or bonus discounts. Taking these steps will ensure that you end up with a restaurant equipment financing partner who is well-suited to your needs and can help take your business to new heights! How Much Can You Borrow? The amount you can borrow for restaurant equipment financing will depend on several factors, including your credit score and the type of loan or lender. Before you take out a loan, it’s important to consider all your options to find the best payment terms and other favorable terms. If your credit is good, you should be able to obtain up to $500k from small business loans from online lenders. Similarly, traditional lenders might offer more significant loan amounts with better interest rates -- especially for more established businesses. Lenders like banks typically have fewer restrictions and more flexible repayment plans than online lenders. Also, consider requesting an asset-based loan if you don't qualify for a bank loan; this is where a lender uses pledged collateral rather than creditworthiness as the primary consideration when determining loan approval. Regardless of your choice, one of the most critical factors when selecting restaurant equipment financing is finding the proper loan structure based on favorable terms and conditions that align with your needs!

Restaurant Equipment Financing Bad Credit

How Do I Pay Off My Restaurant Equipment Loan?

Paying off a loan for restaurant equipment can be challenging, mainly when you’re relying heavily on your annual revenue to make payments. Fortunately, there are several ways that you can help accelerate the repayment process and pay off your loan faster. The first step is to make sure that you are making regular, consistent payments toward your loan. To do this, it may be helpful to set up automatic payments from your account so that the amount due is withdrawn automatically on the same date each month. This way, you don’t have to worry about missing a payment or paying late fees. Another strategy is to consider taking out a business line of credit or other financing streams from an external source to supplement and even fully cover the cost of your equipment loan payments. This can be beneficial for those who have good business credit and can qualify for certain loan speeds. Additionally, if the APR rate on any new loans you take out is lower than the APR rate of your restaurant equipment loan, these new funds can also help lower monthly payments! Last but not least, it’s important to keep track of sales figures throughout the year and look closely at how they correlate with annual earnings. When sales begin to spike during seasonal months or shortly after introducing new items onto menus, consider putting extra money into paying off the monthly loan balance with these additional funds. Every bit counts—even just increasing by $20-$50 every month helps chip away at debt!

Conclusion

Using affordable services for restaurant equipment loans makes sense because it saves time and money. By taking advantage of lower-cost alternatives, you won't be stuck spending thousands of dollars when you don't need to. Plus, you'll enjoy better service and faster approval if you choose one of our partners instead of going through traditional banks. We hope we were able to help answer your question! Please feel free to leave us feedback below. Thank you again for reading our blog post today!

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[eliothochberg]

Musings on how a fiat currency government can afford social programs

I've been thinking about this for a while, and it's incomplete, but I have this idea on how we can "afford" programs like healthcare for all, universal childcare, etc.

The basic premise of this thought is to change how the Fed and Treasury determines where taxes and new money comes from, and how the money can be removed from the economy.

Currently, money is completely imaginary. Like, it always was, but previously when money was based on gold and silver reserves, it had some measurable limit. When we left these standards, there was still a limiting factor of minted physical money. Like every dollar had to exist somewhere, even though it's value (even when it was backed by gold or silver) was imaginary. It still had to have a physical form.

Today, most money is just digits in a spreadsheet.

As a result, money can far more easily be created and destroyed, and this mostly happens when a bank borrows money from the government to allow someone or a business to borrow money for some project like a startup or a house or what have you.

I would change this paradigm, or at least modify/add to it. That's a big part of what I haven't worked out yet.

What I have worked out is this: all value comes from only a few things. First, finite resources. If you need water or soil or iron, there is only so much of that, and based on what you can do with those things, value exists. Next is the perceived value of something. Like Beanie Babies or whatever. The final source of value is human effort. The time each person spends changing one thing into another, or working with each other to change something in someone's life. Like massages or knitting.

To me, this effort is an untapped resource in the sense that we don't assume this value at the beginning. Yes, people get paid to do work, that's obvious. But we don't assume this value as a principle *before* that work is done.

I would change this. How?

By getting rid of personal income tax, and generating necessary revenue for government programs based on predicted need.

That is to say, there are certain things we know a person needs over their lifetime: schooling, food, healthcare, death. Pregnancy, period items, breast and prostate exams. Food and shelter and clothing. Everybody will need these things at some point. So why not, instead of forcing folks to work to hopefully cover these predictable, inevitable costs, build these costs into the system for those things we all agree we need? Just by being alive, you generate funding necessary to cover those needs.

Now, we have to be careful about how we define needs. Like, for food you're not getting your favorite dish from that fancy restaurant around the corner. It's going to be the cheap stuff. But, you can still work to get a cashmere sweater or a hospital room to yourself. You work for luxuries, but never have to worry about the minimum things you need just to live.

The question is always how do you pay for it, and my answer is because you exist, the money exists. For each person who lives in the US (and qualifies, because there are limited physical resources), enough money is generated to provide services at the bare minimum to keep you alive and allow you be safe and be able to make choices about your life.

Instead of charging income tax at the end of a year of work, and forcing individuals to save enough to pay for those taxes (or sacrifice future income for those taxes), everyone submits how much they made in a year from their work. If you didn't make any money, then the minimum amount needed to cover your bare minimum living needs are generated by the system to cover those needs. If you earn enough to cover your own needs, then that money doesn't need to be generated, but additional funds would be generated based on how much you earn over that minimum. Some percentage (similar to the current taxation rate) is generated to cover other governmental expenses. The idea being that few people are going to want to barely scrape by on the bare minimum to live, and their desire for comfort and luxury will continue to push the economy. However, nobody starves, nobody dies from lack of care, everyone gets education, etc.

From what I understand, this would address the main concern regarding creating runaway inflation, in that the money put into the system would match the potential total output available, or be a little less. It would remove the burden of both taxation and tax filings for the individual. And it would guarantee funding for any services while still allowing for a healthy consumer economy and an incentive to inventors and entrepreneurs to make new fun things for the world.

The question then becomes, how do you remove money from the system when needed? That would be done through business taxation. Businesses would still need to file taxes, but would no longer be obliged to pay for social programs or employment insurance. Since bare minimum needs are baked into the economy, if a company goes under or someone is fired, they have a safety net. There might be room for some kind of corporate insurance for those who are in a sweet spot of making enough money that losing their job could be a problem, but not so much that they can easily save to cover themselves in such a scenario.

But companies would no longer be on the hook for healthcare, retirement, that sort of thing. That said, there would still be taxation that would pay for the bare minimum things. Instead, this money would be used for things that benefit everyone buy in theory we could survive without. Things like the military, government research, food safety inspections, etc. We wouldn't *want* to live without them, but for the individual, having a military would eventually be a problem but would not be strictly necessary for daily living.

Corporate taxation would be the mechanism by which money could be removed from the system if too much goes in from funding bare minimum programs. It would also be a balance against the lending system, which would still exist and still create money as it does now.

The main changes would be ending personal income tax, which would be replaced by a mandatory simple reporting of income earned (and possibly hours worked); and an automatic complete funding of all programs that address the basic, predictable, bare minimum needs of each person who is a citizen or otherwise qualified individual.

As I said at the top, I haven't worked it all out. But it seems to me that shifting our thinking from "you have to earn it" to "it exists because you exist" could solve a lot of the problems of hunger, poverty, homelessness, etc.

Problems that are not solved by this are things like how immigration might change with this system; what kinds of controls might be needed for the birth rate; and depending on how those issues are addressed, how to anticipate issues of scarcity that could exist if there were a population boom. To whit, how to avoid not having enough food if there are too many people in the system, for instance.

[ndispropertyaustralia]

Short-Term Accommodation: What is it and How Does it Work?

What is Short-Term Accommodation?

Short Term Accommodation (STA), also known as respite, provides NDIS participants with an option to take a break from their usual carer, to build independence, or to have a change of scenery. STA can be facility or residential stays, assistance in overnight care, or alternative family care (family and/or friends can assist in care to relieve primary carer). The NDIS will cover all basic expenses with STA funding, which include accommodation, personal care and support, food, and activities.

How is STA Beneficial?

STA is beneficial for both the participant and their carer. For the participant, it allows them to go to new places, try new things, step outside their comfort zone, gain independence, and relax and recharge. Particularly, if a participant is looking to move out and into Supported Independent Living (SIL) or Specialist Disability Accommodation (SDA), this can be an important first step in preparing for that change. For the carer, it’s a break that encourages and maintains a healthy and positive participant-carer relationship. Caring for a loved one can be emotionally and physically taxing, so it is important for the carer to have time themselves to recharge. STA can take many forms, but it typically involves temporarily caring for someone in need. This can be done in the individual’s home, a respite centre, or even a hotel/other paid setting. The goal is to provide the primary caregiver with a break while ensuring that the person they care for is still receiving the support and care they need. For the participant, this can also be a vacation setting and allows them to experience new things and enjoy a relaxing holiday that still meets their care needs.

Who is Eligible for STA?

Depending on each individual plan, the NDIS will fund up to 28 days of STA per year, based on individual support needs. For example, someone with mid-level support needs who is looking to build independence may receive STA funding for 1–2 nights away from their usual environment each month. Alternatively, someone with high-level support needs may receive the highest level of STA funding for the full 28 nights a year. There is some flexibility with how STA funding can be used. It can be for one night, a weekend, or it can be used in blocks of up to 14 days at a time. It should be noted that even if an NDIS participant does not have STA funding specifically allocated in their plan, they can use their Core Funding to pay for STA.

Types of Short-Term Accommodation

There are several different types of STA to choose from, depending on the needs of the caregiver and the participant. Some of the most common include: • In-Home: This is provided in the individual’s home and can involve a professional caregiver or a trained volunteer. It’s a good option for those who need support for just a few hours, or for those who want to stay in their own home while receiving care. • Respite Centres: Respite centres are dedicated facilities that provide short-term accommodation for individuals in need. These centres can provide around-the-clock care and support and are ideal for those who need a break from their caregiving responsibilities for a few days or even a few weeks. • Emergency: This is available in times of emergency, such as when the primary caregiver is ill or has an unexpected family emergency. Emergency care can be provided on short notice and can help ensure that the person in need continues to receive the support they need. • Vacation: This is a great option for families who want to take a break together or for a participant looking to go on a holiday. With this type of STA, the person in need and their caregiver can go on a holiday while still receiving the care and support they need. More often, vacation STA is for the participant to go on a holiday away from their usual caregiver in an environment where they will still receive the necessary care required to meet their needs.

How to Find Short-Term Accommodation

Finding the right care solution can be a challenge, but there are several resources available to help. Some of the most effective ways include: • Contacting local organisations: Many organisations and charities offer respite care services. Contacting these organisations and asking about their services is a good place to start. • Talking to a doctor or other healthcare professional: Healthcare professionals are a valuable resource; they can provide recommendations and connect you with organisations and resources in your area. • Searching online: The internet is a great resource for finding respite care services. Many STA organisations around Australia can help find the right STA for you.

Conclusion

Short-term accommodation is a valuable resource for families and individuals caring for a loved one with a disability, chronic illness, or other special needs, as well as for the individual. By providing temporary support and care, STA gives caregivers and participants the time they need to recharge and relax. With a range of options available, finding the right STA solution is easier than ever. If you are looking to provide accommodation to participants in the community please contact us. Alternatively, if you are a participant looking for STA, we can connect you with the right providers.

Email us on info@ndis.property or call 1300 254 397.

[etiennekissborlase]

Saving Habits to Commit to in 2023

New Year’s resolutions are statistically unreliable without making a consistent effort. Many resolutions fail because people don’t make a plan of action. It’s ok to set aspirational objectives, but one must take into account their current state of affairs and the daily work needed to accomplish their goals. Saving money is one of the top five resolutions. Here are some tools to help you succeed.

Start Small

Dividing large goals into smaller, more manageable ones has repeatedly proven effective. Success breeds success. A series of modest victories will motivate you to keep going. Forming lifelong habit changes will help you achieve those goals. Small changes such as checking bank account balances, establishing a budget, setting transaction alerts on credit cards, and prioritizing spending will help you keep track of your progress, giving you a visual representation of your successes. 

Check Accounts Daily

ID fraud is on the rise. Cybercriminals can obtain valuable data such as social security information, birthdates, and credit card numbers. In worst-case scenarios, they even destroy people’s credit ratings. Get into the habit of checking your daily balances on all accounts, including checking, savings, and credit cards. Anticipate pending and upcoming charges to avoid paying overdraft fees. Most banks also require a minimum balance to avoid charging penalties, so it’s wise to maintain a consistent level. 

Sometimes it helps to see in real-time how purchases affect your worth. Transaction alerts will show you up-to-date balances whenever a transaction occurs, allowing customers to watch their balances fluctuate.

Automate Income and Expenses

Several financial institutions provide savings if you set up autopayments and direct deposits. Many credit card companies offer cash back or other incentive programs if you set up autopay. 

Budget

Depending on your preferred method, there are several methods for tracking monthly expenses. Choose one that blends with your daily activities to create long-lasting financial habits. The most important thing is creating a budget that you can stick to. Check regularly to make sure you’re still on track.

Expect the Unexpected

Hope for the best while preparing for the worst is a famous saying for a reason. Nothing is 100% definite if the last several years have taught us anything. Inflation is high, and the markets are highly volatile. Experts caution that it’s necessary to have three to six months’ worth of income saved for emergencies. Open an interest-bearing account and put away a modest amount each week to prepare for financial emergencies. It could be an excellent addition to your retirement fund if you never touch it.

This post was originally published on Etienne Kiss-Borlase’s Finance blog. For more info about Etienne, please visit his homepage.

[clearskiescapitalca]

Small Business Line Of Credit Bad Credit

Business Line Of Credit: Accessing The Right Amount At The Right Time!

It’s not easy running a business. You need to constantly juggle cash flow, plan for future investments and manage costs, all while keeping an eye on the competition and providing top-notch customer service. This can be especially challenging when needing extra funds – like when you need to invest in new equipment or inventory – but don’t want to take out a loan.

That’s where a business line of credit (LOC) can come in handy. A LOC is a form of short-term borrowing that allows you to access the necessary capital whenever needed, at more affordable rates than traditional loans.

But what if you have bad credit? Can you still access a LOC if your credit score isn’t ideal? Absolutely. Many lenders understand the unique needs of small businesses and offer Business Line Of Credit for Bad Credit to offer flexible terms beyond traditional banking services.

So, how can you get the most out of your business line of credit? Here are some tips to consider:

Know Your Credit Score: If you need a Bad Credit Business Line Of Credit, it’s important to understand your credit score before applying. Most lenders will consider your application based on various factors, including your time in business and your annual revenue. Knowing your credit score is the best way to assess what to expect when applying for a LOC accurately.

Do Your Research: Not all lenders are created equal. It’s essential to research different Business Line Of Credit Bad Credit lenders before committing to any particular one.

Consider things like interest rates, repayment terms, fees, and customer service – all of which can vary greatly from one provider to another.

Check Interest Rates & Fees: Again, every lender is different – so be sure to compare interest rates and fees before settling on any one institution.

The more competitive a rate, the better off you’ll be in the end, as any additional savings can add up over time.

Leverage Your Credit Line Wisely: A business line of credit should not be used for day-to-day expenses or nonessential purchases; instead, it should only be tapped into for necessary investments to aid you in growing your business.

It’s important to keep track of spending, especially regarding larger expenses, and ensure that a LOC is the best option for financing those projects.

Utilize Automated Repayments: Once you’ve secured a business line of credit, set up an automated repayment system to ensure that payments are made on time each month.

It will help keep your credit score from taking a hit and help you stay on top of any additional fees associated with delays or missed payments.

Conclusion:

Whether you need a Small Business Line Of Credit Bad Credit loans, or are looking to finance larger projects, a business line of credit is often the best option.

By researching different providers and understanding your credit score, you’ll be in a better position to leverage the funds you need at the right time – allowing you to focus on growing your business.

So why wait? Start exploring the options available today and unlock access to the capital that could take your business to the next level.

Check out our official website to get more information about Heavy Equipment Financing Bad Credit!

Find Us On Google Map ( Clear Skies Capital, Inc. )

[seniorlivingblog]

What to Try to find in an Elderly Living Care Neighborhood

An elderly living care neighborhood provides different levels of care for homeowners. While some communities offer every little thing an elderly can require, others offer just particular solutions. This is referred to as the continuum of treatment. It is necessary to comprehend the levels of treatment given in a given community before making the decision. For example, an individual care area may provide support with a couple of tasks of daily living while others provide competent nursing services, browse this website here for more info about elderly living care.

Care residences should have ample shower room centers for residents. Personal showers are suggested. They ought to additionally have well-lit corridors and exits, as well as they need to be safe. A clinical emergency situation sharp system is likewise a great suggestion. Also, the premises must be clean and include exterior locations. These are all important aspects to take into consideration when selecting a facility for your enjoyed one. A senior living care community must likewise supply nourishing and also yummy meals.

Many older adults have difficulty making healthy and balanced dishes by themselves. Moreover, it can be expensive and also lengthy to prepare healthy meals for two individuals. Some senior citizens might additionally not be able to drive to the store or grocery store. At an elderly living care area, you'll discover well-balanced dishes and also snacks, and lots of companionship. An additional sort of senior treatment neighborhood is CCRC. These facilities are located in the exact same area as single-family houses. Many CCRCs provide one-stop-shop living. Nevertheless, CCRCs can be expensive contrasted to various other sorts of elderly living treatment.

As a result, it is necessary to inspect the CCRCs in your community to establish if they're appropriate for you. Expense of assisted living treatment is identified by lots of variables. The location, dimension of the room, common space, and services offered all contribute to the regular monthly fees. Some communities have packed services, while others assess the price of care individually. Some areas bill extra for solutions like drug administration as well as urinary incontinence treatment. Others bill per hr. Long-lasting care insurance coverage can help fund the expense of assisted living. If the topic is still not clear to you, here are additional reading about elderly living area.

In several states, Medicaid does not cover this sort of care, yet some states have actually broadened their Medicaid program to consist of treatment houses. These policies are planned to help low-income seniors continue to be in their houses and also get the best care possible. Call your local Area Firm on Aging for more details. Independent living neighborhoods are additionally a choice for those that are downsizing. These homes will certainly have their very own kitchens and bathrooms, as well as might supply some help with household tasks as well as transportation.

Some neighborhoods also provide non-medical support. The team at assisted living areas is offered around the clock, to ensure that residents do not need to spend time alone. The treatment solutions supplied in elderly living neighborhoods are divided right into 4 tiers. Each tier allows for a specific quantity of hours of treatment monthly. The lowest rate is called low-need treatment. The greater the degree of care, the higher the regular monthly fees will certainly be.For more information about this, visit here: https://en.wikipedia.org/wiki/Elderly_care.

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The Right Workforce Software Monday

Software designed to manage a company's staff is no longer a luxury but a necessity. The correct software may dramatically enhance operational efficiency, save expenses, and increase productivity by handling human resources, payroll, time and attendance, and workforce analytics. It takes work to pick out the correct personnel management program. With so many options available, getting started may seem daunting. Make the incorrect decision, and you risk losing money, time, and potential compliance and security. Learn all you need to know about selecting the best workforce software monday for your company from this article. By following our method, you'll be able to pinpoint the most pressing issues facing your company, research the many software options, weigh the pros and disadvantages of each, and make an informed decision based on factors like cost, simplicity of use, accessibility, security, regulatory compliance, and more.

Assess Your Business Needs

The first thing you should do while looking for workforce software monday is to evaluate your company's requirements. Identifying the most pressing issues facing your company and pinpointing the features necessary to alleviate those issues are essential first steps before beginning your software evaluation. This will help you zero in on a tailor-made software solution for your business. To start, poll influential people inside your company for their thoughts. Human resources personnel, supervisors, and workers all fit under this category. Please inquire about the difficulties they confront on the job and how software can aid them in getting through them. You may then prioritize the essential features and fix the biggest problems in your business. After you know what your company requires, you may make a list of the features and functions that are necessary. Examples of this may be: - Human Resource Management Software is required to handle employee information, payroll, benefits, leave, and evaluations. - Time and attendance software is essential for managing your employees' time and attendance data, such as time monitoring, scheduling, and absence management. - Payroll: Payroll software is needed to handle payroll tasks such as calculating and delivering paychecks, paying taxes, and creating reports. - workforce software monday analytics software is essential if you want to learn about your staff's efficiency, output, and dedication. By determining what features are essential to your organization, you may reduce your software search and make an informed decision. You should consider your alternatives carefully since not every software provides these features. Your available funds and resources are still another consideration. Depending on the capabilities you want and the size of your company, the cost of workforce software monday may be several hundred dollars per month or tens of thousands per year. Know your budget for software and the tools you have available to help you successfully adopt and manage it.

Recognize The Many Workforce Software Types

Next, you'll want to learn about the various workforce software monday options after evaluating your company's requirements. Many applications exist today, each tailored to meet a unique set of requirements in the corporate world. The most common forms of workforce management applications are as follows: - Payroll, benefits, vacation time, and performance evaluations are just some employee information that may be managed using HR software. - When managing your staff's time and attendance, this software has you covered with features like time monitoring, scheduling, and absence management. - The purpose of payroll software is to automate the payroll process, from employee time tracking and scheduling through payroll tax filing and report generation. - Workforce analytics software is software for analyzing workforce performance, productivity, and engagement. - A Learning Management System (LMS) may streamline training and development. - An application tracking system (or ATS) is a piece of software made to simplify the hiring process. - Software for workforce planning and management helps businesses with tasks such as demand forecasting, scheduling employees, and increasing efficiency.

Consider Integration Capabilities

Integration features should be considered while deciding on the best workforce software monday. The term "integration" is used to describe when two or more software programs may exchange data with one another automatically and without any human intervention. Most businesses rely on various applications to control their many moving parts. Human resource management software, payroll management software, and a learning management system are all examples of software that might be used by a business to manage its employees better. The lack of compatibility across these applications increases the potential for mistakes and delays. Use workforce software with robust integration features to simplify processes and maximize output. While assessing the extent of integration, it is essential to take into account the following: APIs and Connectors: Connectors and Application Programming Interfaces (APIs) are two types of software that facilitate data exchange across applications. If you want your systems to communicate without hitches, you need software that provides powerful APIs and connections. People also search: Technical Debt Register Template Open Architecture: Unfortunately, the closed nature of specific applications makes combining them with other programs difficult. Choose software that has an open architecture and can be readily incorporated into other systems. Pre-built Integrations: Some programs already have built-in compatibility with the majority of the other programs out there. In the case of human resource management systems, a preexisting interface with payroll systems may be provided. To cut down on the time and work needed to connect various solutions, it is recommended that you search for software that has pre-built integrations. Custom Integrations: Creating unique connections across applications is sometimes necessary. To ensure your systems can be efficiently connected, you should look for software solutions that support bespoke integrations or collaborate with integration partners. Data Mapping and Transformation: Integrating disparate applications requires precise data mapping and transformation. Data mapping and transformation tools are available in many software packages and may significantly reduce manual labor and human error. Security: Integrating disparate software systems requires extra precautions to protect sensitive information. To keep your information safe, you should search for software that includes security measures like encryption and multi-factor authentication.

Evaluate Ease Of Use And Accessibility

Finding the proper workforce software monday requires considering how accessible and user-friendly it is. As your staff will be utilizing the program regularly, it should be straightforward to learn and use. While assessing usability and accessibility, keep in mind the following: User Interface: The program's interface has to be straightforward. Find programs with an easy-to-navigate interface that helps workers quickly find their needs. Customization: Depending on the program, you can modify the user interface to suit your company's requirements better. To provide your workers with a better software experience, you should look for solutions that allow for personalization. Mobile Accessibility: Choosing workforce software monday that can be used on mobile devices is crucial since many workers now work remotely or travel often. To guarantee that your staff can use the software from any location, it is recommended that you search for solutions that either include a mobile-responsive interface or a specialized mobile app. Instruction and Help: Employees may need training on even the most user-friendly software solutions. To make sure your staff can use the software well, it's essential to choose a solution that provides training and support tools, such as online courses or specialized customer assistance. User Acceptance: Adoption rates may be affected by the software's usability and availability. To guarantee that your staff will be able to make good use of the software, it is essential to search for options with high user adoption rates and excellent user ratings. Compatibility with Preexisting Equipment: Consider how the workforce software monday will interact with your current programs and hardware. If you want to keep things running as smoothly as possible, it's best to choose a software solution that works well with what you already have. Help for Several Languages: Use a program that supports many languages if your workforce includes people who speak those languages other than English. To ensure that all your staff can use the software, it's a good idea to look for choices supporting many languages. Selecting simple and straightforward workforce software monday for your staff to use is possible via careful consideration of factors like usability and accessibility. As a result, adoption, productivity, and mistake rates may improve. Think About Safety And Regulations Security and regulatory compliance must be carefully considered while selecting labor management software. Personal, payroll, and benefits information are just some types of sensitive data commonly stored in workforce software. Selecting a safe and legally acceptable software solution is thus crucial.

Conclusion

Investing in the correct workforce software monday may have far-reaching effects on your company's output, effectiveness, and bottom line. You can find a software solution that works for your company's budget and provides the support you need to maintain and troubleshoot the software by evaluating your business needs, understanding the types of workforce software available, considering integration capabilities, evaluating ease of use and accessibility, reviewing security and compliance, and comparing pricing and support options. It's crucial to analyze and contrast the features and advantages of several workforce software solutions before settling on one. Doing so will help you choose a program tailored to your business and its requirements, bringing you closer to your objectives. Read the full article

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What Is a Claimant in Life Insurance

Definition of Life Insurance Claimants

A claimant or beneficiary of your life insurance is the person who will receive a specific sum of money in the event of your passing. When you purchase a life insurance policy, choosing an heir is an essential step because it is the only way legally to designate who will receive the money if you pass away during the policy’s term.

If you are a beneficiary, you should understand how the policy pays out, your options, and anything that might make things more difficult. To learn more about naming or being a life insurance beneficiary, continue reading.

What Is a Beneficiary in Life Insurance?

You can designate an heir, who may be a person or an organization when you buy a life insurance policy. Also possible is having more than one. They receive a predetermined sum of money or a series of payments if they pass away during the policy’s term.

You can distribute the funds however you like as the policy owner:

One person can be designated to receive everything.

You can designate two or more people to split the total sum however you choose.

Your estate may have a name.

You can designate a trust to receive the proceeds from the policy if you have one or desire one.

When they pass away, some people prefer to leave money for a charity; you can mention any recognized organization you like.

If necessary, you can give names to your minor children. It helps to be aware that most states require an adult guardian to oversee minor assets if you intend to do this. The process of choosing a guardian can be expensive and time-consuming.

It’s crucial to contact the insurance provider and present a death certificate if you are the beneficiary of a life insurance policy and your loved one has passed away to begin the payout procedure.

Making a trust or custodial account is one way to hasten this procedure. Your children’s money is placed in a trust, where a trustee will look after it until they are of legal age or the age you specified for them to inherit it. If you don’t determine anyone, the “de facto” beneficiary is your estate.

How Should Insurance Beneficiaries Be Known?

Make sure you give accurate information when naming people to receive insurance money. You’ll need to know things like their birthday, social security number, and contact information. Additionally, make sure everything is correct before submitting it by checking it twice. If there are mistakes, the wrong people might get the money, or your heirs might have to deal with legal issues.

Let’s take the example where you list “spouse” as your beneficiary. Two years later, you get divorced and remarry without altering your insurance policy. After your passing, both your current and former spouses might make an attempt to collect the money.

You’ve created a legal problem that could delay payout because the definition of “spouse” is ambiguous. One was your legal spouse at the time of your death, and the other was your legal spouse at the time the insurance policy was written. Along with all the legal fees, stress, and heartache that always follow fights over money, a dispute over money is likely to occur.

Contingent and Primary Beneficiaries

It is frequently advisable to add one or more supplemental beneficiaries to a policy. If the primary beneficiary (or beneficiaries) passes away or cannot be located, a contingent beneficiary is a person who gets some or all of the money.

Note: If you list multiple people, specify how much money (in a percentage form) each one should receive.

For example, suppose you buy a policy with a $1 million benefit. You designate the beneficiary as your spouse. Your partner will receive the entire sum should you pass away while the policy is still in effect. However, you might pass away before your primary beneficiary.

Your three adult children are added as contingent beneficiaries because you want to ensure that the money is passed on to your children. You include each of them in the policy and distribute the funds equally. In this manner, your children will each receive a third of the money after your passing, even if your spouse dies before you do.

Per Capita and Per Stirpes

The decision of whether to choose per capita or per stirpes when naming beneficiaries is another factor to consider. If no other contingent beneficiaries are listed on the policy, and one or more of your beneficiaries pass away, these specify how the money should be distributed.

Per capita (“per head”) is frequently used as the abbreviation. This implies that you don’t have to describe every potential event in great detail. Instead, an equal portion is distributed to each of your living beneficiaries.

For instance, if you have three adult children and one of them passes away before you do, the other two will instead receive half of the face value each. If you choose per stirpes and one of your beneficiaries passes away before you do, the beneficiary’s children, if any, will receive their share.

A per stirpes arrangement would give your two grandchildren the one-third that your three adult children would receive, for instance, if one of your three adult children passed away before you and was survived by two children. One-sixth of the funds would be given to each grandchild.

Life insurance is a wise choice for estate planning. In light of that, it might not be the best course of action for you and your situation. Consider speaking with an estate planning lawyer who can assist you in putting together a strategy to ensure that your loved ones have what they need after your passing and that your assets go to the people you want them to.

There may be a box to check on some beneficiary designation forms so you can choose per stirpes. If there isn’t a box, ask your agent if you can enter per stirpes.

Who Has the Authority to Alter the Life Insurance Beneficiary?

When submitting a life insurance application, name at least one beneficiary. It doesn’t follow that you can’t alter it later. If you are the owner, you always have the option to remove or add people. You might decide to appoint someone else because of changes in your life, for instance.

In the event of a marriage or divorce, you might want to appoint someone else. A good reason to review your policy is the birth of a child. Alternatively, you might have another justification for the change. However, if you designated a beneficiary as “irrevocable,” you will need to obtain their approval before making any changes (they must sign the policy change form).

Additionally, in some circumstances, your insurance provider or state may limit who you can name. For instance, married couples who reside in states with community property laws might need the consent of their spouse before calling anyone else.

Note: Contact your insurer and ask for a “beneficiary change form” if you want to add or change an heir.

Do beneficiaries of life insurance policies have to pay taxes? A life insurance death benefit received as a lump sum is typically not regarded as taxable income. There are, however, some circumstances in which you might owe taxes.

For instance, any interest paid above the face value of the money if it is received as monthly payments or an annuity is taxable income. Additionally, if the funds are transferred to your estate rather than a specific individual, estate taxes might apply. The good news is that there won’t be any estate taxes assessed unless your estate is worth more than $11.7 million.

Summary

If the insured passes away during the policy term, a life insurance beneficiary receives the death benefit.

Multiple beneficiaries, including primary and contingent beneficiaries, may be named, along with a person or trust.

Your beneficiaries must have accurate identification information so that they can be located and legal disputes are kept to a minimum.

Most life insurance proceeds are tax-free, but in some cases, a portion of them might be.

Before you proceed, be sure you are aware of your state’s life insurance laws and how to handle naming minors.

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