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Plainfield Approves $52.9M Budget

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Plainfield Approves $52.9M Budget Patch Plainfield, IL -- Potential state cuts, rising health insurance costs, police hires, and contractual salary increases. Reported by Patch 16 hours ago.

6 Steps to Improving Obamacare on its 6th Anniversary

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Since 2010, many health reform advocates have described the progress made under the Affordable Care Act, and we look forward to its continued implementation in the years to come. As it enters its sixth year, let's consider the fact that this is Obamacare's last year under the Obama Administration. For this anniversary, we must urge our policymakers to take steps now and in the near future to build upon Obamacare's success:

*1. Stop Suing and Repealing Obamacare*
This week, the Supreme Court heard arguments for what some are calling "Hobby Lobby 2," proving that bad sequels aren't just from Hollywood. Currently, if religious organizations want to avoid the Affordable Care Act's requirement that employee health insurance cover birth control, then they must write a letter to the US Department of Health and Human Services expressing religious objection. This week, in Zubik v Burwell, a religious non-profit organization complained to the Supreme Court that writing a simple letter imposed a burden. This really happened. During National Women's History Month. Hopefully the irony is sickeningly evident, but in case it's not, I'll spell it out. When trying to access reproductive health care, women face the real burdens, almost none of which can be overcome by writing a letter. Instead of targeting birth control, let's direct our moral outrage at politicians obstructing the basic human right of health care. When it comes to the ACA, we need to get past the burdensome lawsuits in federal courts and the countless repeal-and-not-replace votes in Congress.

*2. Expand Medicaid Already*
This should be as obvious as not suing or repealing the law, but as of right now, 19 states are still not expanding Medicaid to include families making $28,000 per year or less (138% of the federal poverty level for a family of three). Nearly 3 million of our fellow Americans are in the "coverage gap" where their incomes are "too high" for Medicaid but too low to buy health insurance in the federal marketplace exchange. Governors and state legislatures need to put patients before politics and upgrade their Medicaid programs to cover families.

*3. Fix the Family Glitch*
Under the health reform law, if an individual worker can get affordable health insurance for herself from her employer, then she is not eligible for federal subsidies to purchase coverage for her family members. Over 4 million Americans are struggling with this "family glitch" where affordable individual coverage through an employer mistakenly prohibits workers' families from federal assistance to buy health insurance on the exchanges. Legislation to fix this glitch has been proposed, but Congress has yet to really act on it.

*4. Add a Public Option*
Since the Affordable Care Act was passed, health insurance companies have attempted to merge with each other, leaving competition and fair pricing in the dust. While the Justice Department investigates, health policy experts have expressed concern for how patients will afford care and how doctors will provide care under the crushing power of a few mega-insurance companies. Regardless of these circumstances, we must develop a public option as a source of affordable health insurance coverage for patients and as a driver for competition as big insurance companies put profits before patients.

*5. Coverage for ALL Immigrants*
Last year, California took a bold step to allow undocumented immigrants to purchase health insurance in the state's exchange marketplace or to enroll in Medi-Cal (the state's Medicaid program). The Affordable Care Act currently prohibits undocumented immigrants from purchasing health insurance in the federal exchange (or in a state's exchange unless the state applies for a waiver, as California is doing). Over 20 percent of America's uninsured are immigrants, some undocumented and others in an arbitrary waiting period. Immigrants' access to healthcare is being wrongly managed as a privilege, when it should be a basic human right. The rest of the country should follow California's example and extend healthcare to everyone, regardless of immigration status.

*6. Demand Better Prices from Pharmaceutical Companies*
In 2015, Americans spent $457 billion on prescription drugs (28 percent in hospitals and clinics, 72 percent on retail drugs). Currently, the Centers for Medicare and Medicaid Services is working on several approaches to address the rising spending and escalating prices for prescription drugs. We could stop healthcare providers from profiting off prescribing what's new and expensive, and urge them to scrutinize the efficacy of new medications compared to what has worked before. Similarly, Medicare can pay drug companies only for medicines with a proven track record of improving patients' health outcomes. These approaches are worth considering and testing, but policymakers need to act upon what 83 percent of Americans want: allow Medicare to directly negotiate with the big drug companies for better prices. Not only would this effort be fiscally responsible for the federal government, it would be morally responsible to end the false choices of whether patients pay for prescriptions, groceries, or their rent.

For over 13 million people obtaining health insurance on federal and state exchanges, and for over 15 million people enrolling in Medicaid, the Affordable Care Act has been a lifeline of support. Improved coverage for health care is a strong foundation to build upon. As Obamacare continues past the President for which it was named, Americans need to take the above health policy steps and many more to continue manifesting health justice for each other.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 14 hours ago.

ez1095 ACA Software Has PDF Function for Companies Wanting to Go Green for Environment

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ez1095 Affordable Care Act form software now offers a PDF feature to help companies save money, the environment and paper. Download and try it at no obligation by visiting http://www.halfpricesoft.com.

Tacoma, WA (PRWEB) March 25, 2016

The new PDF feature in ez1095 ACA (Affordable Care Act) Software from Halfpricesoft.com can save a business time and money. By utilizing the PDF feature, customers can save money on paper, save the environment by going green and save time by emailing information rather than mailing it out.

“A PDF feature is an important feature included in the latest ez1095 ACA software application to save money and the environment. ez1095 software makes it easy to file 1095-C, 1094-C, 1095-B and 1094-B forms," said Dr. Ge, the founder of Halfpricesoft.com.

This brand new and innovative software application offers efile (additional cost) and print and mail versions. The new guideline for the healthcare law requires all employers with 50 or more full-time employees or equivalents to file an annual return in 2016 reporting the health insurance they offered employees.

ez1095 software is compatible Windows 10, 8.1, 8, 7, Vista, XP and other Windows systems. Potential customers can download and try this software at no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

Desktop ez1095 offers business owners the ability to:· Backup and restore features included in the cost
· Prepare forms 1095-B, 1094-B, 1095-C & 1094-C
· Print 1095-C or 1095-B paper forms for recipients
· Print paper form 1095-C & 1094-C or 1095-B & 1094-B forms for IRS
· PDF print forms for recipients in digital format
· Fast data import feature
· Efile feature: generate a XML document that customers can upload to IRS site. (The efile feature is approved by IRS.)
· Support unlimited accounts, recipients and ACA forms
· Access free customer support

Priced at just $195 for a single user version ($295 for new efile and PDF version), this ACA forms filing software saves employers time and money by processing forms, in-house. To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com

Founded in 2003, Halfpricesoft.com has established itself as a leader in meeting the software needs of small businesses around the world with its payroll software, employee attendance tracking software, check printing software, W2 software, 1099 software and bar-code generating software. It continues to grow with its philosophy that small business owners need affordable, user friendly, super simple, and totally risk-free software. Reported by PRWeb 8 hours ago.

Young Bergen doctor honored at White House today

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A newly minted doctor from Bergen County has caught the eye of the White House for his founding of a non-profit that helps people sign up for federally subsidized health insurance. Reported by NJ.com 6 hours ago.

Thanks Obamacare: This Is What Americans Spent Most Money On In 2015

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Thanks Obamacare: This Is What Americans Spent Most Money On In 2015 We have been covering the consumption tax, pardon, endless spending black hole that is Obamacare for over a year, so we doubt it will come as a surprise to anyone that in 2015 healthcare was the second biggest use of US consumer funds, soaking up a record $1.9 trillion in real dollars, and more importantly for US economic "growth", the single biggest source of incremental spending by nearly a factor of two.

Incidentally, with spending on healthcare (courtesy of the Supreme Court's Obamacare tax) soaring, while outlays on the traditionally most consumption-intensive category, housing and utilities, going nowhere for the past several years, it is only a matter of 2-3 quarters before Healthcare surpasses Housing as the biggest use of American cash.

Putting this in context, a recent report from Freedom Partners Health found that health insurance premiums have increased faster than wages and inflation in recent years, rising an average of 28 percent from 2009 to 2014 despite the enactment of Obamacare, or rather "because of." Obama signed the Affordable Care Act into law on March 23, 2010, and Wednesday is the law’s sixth anniversary.

So, without further ado, this is what drove American consumer spending in the officially concluded, for GDP purposes, 2015. We show this just in case there is still any confusion why US households are unable to channel more spending into "discretionary", non-mandatory purchases unlike Obama's "health insurance" tax, pardon, noble venture. Reported by Zero Hedge 4 hours ago.

Obamacare Costs Rising as More Americans Sign Up for Medicaid

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Expanded health insurance coverage under the Affordable Care Act, President Barack Obama's signature legislative legacy, will cost the government more, according to an official study released Thursday. Reported by Newsmax 3 hours ago.

Chelsea Clinton laments 'crushing' health care costs despite ObamaCare

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Chelsea Clinton, in an implicit swipe at the impact of President Obama's health care law, recently told voters that many Americans still are facing "crushing costs" from health insurance even under the Affordable Care Act. Reported by FOXNews.com 1 hour ago.

Narrow Networks Are Here to Stay

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Open enrollment closed last month, and healthcare watchers have been counting the winners and losers. One indisputable winner is the narrow network. Plans that feature one are the fastest growing insurance products on the market. According to the McKinsey Center for U.S. Health Reform, half of the plans on the exchange have them.

Many criticize these plans for not including enough medical providers in their networks. The insurance companies defend them saying that they help keep costs down.

Often lost in this debate is the answer to "Why now?" In other words, if these networks keep costs down, then why has the insurance industry waited until now to offer them?

The rise of the healthcare consumer, jumpstarted by President Obama's Affordable Care Act, fully explains the answer to "why now?" It also explains why narrow networks are here to stay.

Don't believe me? Let me try to explain with eight bullet points.

*1. Why we have group health insurance*

First things first: the only reason we have group health insurance is because the government gives huge tax subsidies for group health insurance.

To be clear: we don't have it because employers like to use it to compete for or retain talented employees. Employers could offer all sorts of other things if that were the case--free family vacation to Disney World, anyone? No, employers offer group health insurance because they can offer it tax-free.

It's easy to forget this fact, because group health insurance has been subsidized since the 1940s. Anything we've had for so long is easy to take for granted. In fact, the story for why group insurance is subsidized dates back to 1913.

For now, though, just bear this fact in mind. We have group health insurance because of heavy government subsidies for it. This is critical to understanding the "why now" question.

*2. How group buyers of healthcare think*

Buyers of group health insurance are business owners, CFOs, HR professionals and office managers. Regardless of title, they all generally think the same way when it comes to networks.

How do they all think? They all consider employee dissatisfaction.

John is the healthcare buyer for his employer, Music City Inc., which has 350 employees. His broker, Sara, presents him with an option that would save the company an impressive twenty percent. The deductible and other features of the plan would be the same as last year. The only difference is that one of the local hospitals would not be in the network. But there are still more than ten other hospitals that would be in-network. Nice work coming up with this option, Sara! Right?

Wrong. The one hospital that would not be in-network is the only one that has a pediatrics unit. Here is how John, our group healthcare buyer, thinks about that:

"Hmmm. Twenty percent savings is pretty good. But what if one of our employees has a child who needs to go to the hospital? We could get slammed as a heartless employer. Or even worse, what if one of our employees has a child in that hospital right now? Maybe we should just keep the network we've got, but raise the deductible and copays a little bit. Or maybe charge employees more."

Makes sense, right? As a result, all 350 of John's employees get a plan that has the hospital with the pediatrics unit in-network.

*3. Health insurance company nightmare*

Deep groan. "Brutal!"

That pretty much summarizes how your typical insurance company executive would respond to the question "What's it like to negotiate prices with the hospital that has the only pediatrics unit in town?"

Those hospitals realize they have a ton of market power because of how group buyers of healthcare think, and they use it to command the highest prices.

I know what you're thinking. "Well, it's probably expensive to operate a pediatrics unit. And after all, these are kids. We should be giving them the best care that money can buy."

That's fine. But these hospitals use the market power given to them by their pediatrics until to demand the highest prices for everything. From MRIs and CT scans to annual check-ups and everything in between--they have the highest prices of any hospital in town.

*4. Why the individual market is expected to grow*

Let's take a time-out from the group market for a minute and focus on the individual market.

While people insured in the group market have been enjoying subsidized health insurance since the 1940s, people in the individual market have been on their own. Zero, nada, zilch--all good words to describe how much in tax subsidies they've been getting to help with individual health insurance.

That is, until President Obama's Affordable Care Act. In fact, many Americans can now get even better subsidies in the individual market than in the group market. Yay! A historical injustice--the disparity in tax incentives between group and individual coverage--has been addressed.

Americans are good at responding to tax incentives. Witness the disparity between the number of employers who offer group health insurance rather than free trips to Disney World to attract and retain talent. As a result, we've seen massive growth in the individual market and expect to see more.

*5. How individual buyers of healthcare think*

In part because John's company wasn't able to get its healthcare costs under control, it went out of business. It left 350 employees on their own to get their own health insurance.

Fifty percent of the 350 employees are single. Thirty percent don't have children. Ten percent have kids who are all in high school or older. Ten percent have younger children.

In other words, 90 percent of the 350 people formerly employed by Music City Inc. don't care at all about whether their network includes a pediatrics unit. Of the remaining 35 people, some of them are risk-takers willing to gamble on it being out-of-network in return for premium savings now.

*6. Joe Biden: "This is a big f****** deal"*

Kevin is the CEO of Koala Health, a major health insurance company. Jennifer over in product development has been pounding the table for 20 years about the need to develop a narrow network plan for the individual market. After all, everyone in the industry knows that individual buyers think differently and would buy a plan that doesn't have a pediatrics unit in the network.

For 20 years, Kevin has nodded thoughtfully as Jennifer made the case for her narrow network plan. Then he has told her, politely, "No." Why? Because Kevin just had too many other priorities. Wellness, for example. Or the Medicare Advantage business. Or Part D. And so every year, Jennifer would go home disheartened, disappointed that her product idea was not being pursued.

To be clear, Kevin always knew Jennifer was right. But it just wasn't worth it. The market opportunity was too small with the government only giving subsidies in the group market to justify the headaches Kevin knew he would face creating a narrow network plan.

But then the Affordable Care Act addressed the disparity in tax incentives between the group and individual markets. Everyone, including Kevin and Jennifer, knew this meant there would be huge growth in the individual market.

Voila. Kevin calls Jennifer and says "Yes! Let's create that narrow network plan for the individual market that you've been talking about for 20 years!"

And so this is the "why now," and part of why Vice President Joe Biden was right about reform being such a big deal. Before the disparity in subsidies between the group and individual health insurance market was addressed, it was just not worth it for the insurance companies to go to the trouble of creating narrow network plans.

*7. Real-world examples*

So far, I've been using fictional people and companies to explain "why now." Let's look at a few real-world examples.

Take Nashville, Tennessee, where BlueCross BlueShield of Tennessee is the largest insurance company. They excluded Vanderbilt University Medical Center, which has the largest pediatric hospital in town, to create Network E for the individual market. It was first introduced on on the marketplace in 2013, and 29,000 people signed up for a plan with this network in 2015, dramatically shifting the city's market toward the nonprofit system Saint Thomas Health.

Or Indianapolis, Indiana. At first, Anthem BlueCross BlueShield excluded the St. Vincent and Indiana University Health systems from its narrow network in 2014, which meant the plan didn't include a pediatric hospital. By 2015, Anthem added St. Vincent's back in-network, but the plan still excludes IU Health--the largest pediatric hospital in Indianapolis.

Or Austin, Texas, where many plans have narrow networks. In fact, just one marketplace plan--Superior HealthPlans' Ambetter EPO--includes both the city's top hospitals in-network. The other 63 marketplace plans available in Austin do not have in-network access to both Seton Medical Center and St. David's Hospital.

Narrow networks like the the above examples continue to grow in popularity across the U.S., demonstrating changing trends in insurance products and the purchasing power of consumers.

*8. The future*

Some healthcare watchers say these narrow network plans are destined to share the same fate as HMOs did in the 1990's. People will scream bloody murder when they find their plan's network doesn't include a medical provider they want to see, and the market for narrow network plans will go away.

It's correct that people will protest. It's wrong, however, that the market for these plans will go away. The difference is the existence of group buyers. In the 1990s, it was the group buyers who were choosing the HMOs. These are the people who worry about employee dissatisfaction when considering networks, and so they reacted strongly when employees screamed bloody murder.

Today, it's individual buyers who are choosing narrow networks. These buyers think about their own needs. If there is a story about someone frustrated over the size of their narrow network, the reaction will be more subdued. Some individuals will even be so callous as to write the consumer off as someone who just didn't research the options appropriately. Others will just take more care in researching their own options next year. Few will stop buying narrow networks.

Bottom line: The rise of the healthcare consumer, making his or her own choices in the individual market, means narrow networks are here to stay.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 2 hours ago.

Could this merger blaze a trail for Aetna-Humana?

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We talk a lot about the pending merger of Louisville insurance giant Humana Inc. with its Connecticut competitor, Aetna Inc. But they are far from alone in seeking to merge; it seems as though the health insurance industry as a whole is pretty rapidly pairing up. And one of those other mergers, between insurers St. Louis-based Centene Corp. and California-based Health Net Inc., could be blazing a trail for those behind it. Centene (NYSE: CNC) said yesterday it had received approval from the California… Reported by bizjournals 1 hour ago.

The Sexism in American Politics

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Why is it that today even a woman as impressive as Hillary Clinton is judged not by her merits and extensive resume alone, but held to a pernicious double standard?Twenty-two years ago, I had the honor of introducing Hillary Clinton at a Humanitarian Award Dinner. I said of her then and it holds true today:

"There is no one in this country who would deny the competence, intellect, stamina, warmth and courage of Hillary Rodham Clinton... But the criticism of Hillary Clinton has again demonstrated that the strong, competent woman is still a threatening figure in our culture. ... A man who graduated high in his class at Yale Law school and made partnership in a top law firm would be celebrated. But a woman who accomplishes this is treated with suspicion. Blanche Wiesen Cook, author of the acclaimed biography of Eleanor Roosevelt said of Hillary Clinton, 'I don't think there is a First Lady who has been treated as rudely and meanly except for Eleanor Roosevelt.'" Both of these women boldly risked the scorn of "those threatened by the image of a woman carrying the fight for social justice into the public arena."

I find myself looking back at the fact that nothing much has changed for powerful women. It's been 24 years since I wrote, "Men and women are clearly measured by a different yardstick... Language gives us an insight into the way women are viewed in a male-dominated society."A man is called commanding, a woman is called demanding."He's assertive; she's aggressive.He strategizes; she manipulates.A man is forceful; a woman is pushy.He shows leadership; she's controlling.A man is a perfectionist - a woman's a pain in the ass.It's been decades since those speeches, but there is still outright sexism in much of the commentary on Secretary Clinton's campaign. The Women's Media Center and Media Matters have done wonderful work documenting the explicit -- and more importantly since its often unseen -- implicit sexism of the political and media punditry. Should we have been surprised when MSNBC's Joe Scarborough tweeted after Hillary Clinton won five primaries on March 15th that she should, "Smile. You just had a big night"? Hillary Clinton has a great smile and smiles often. So does Barack Obama. So does Bill Clinton. But no one would tell those two men to smile.Hillary Clinton is dealing with our current reality rather than the delusions of reality TV. Flint, Michigan's new mayor, Karen Weaver, said in dealing with the water crisis, "As far as what Hillary Clinton has done, she has actually been the only candidate, whether we're talking Democratic or Republican, to reach out and talk with us about, 'What can I do? What kind of help do you need?'"The Republicans will neither cooperate with President Obama nor admit the good he has done for this country: the rising stock market, the creation of 14 million private sector jobs including 72 months of steady job growth, lowering the deficit, the extension of health insurance to millions through the ACA and lowered health care costs, and his thoughtful foreign policy after the disasters of George W. Bush. The candidates on the right deny this progress and intentionally obstruct Obama's achievements. The Republicans in the Senate will not even do their job to hold hearings and vote for a Supreme Court Justice. Just before the nomination was announced, Senator Orrin Hatch told the press, "[Obama] could easily name Merrick Garland, who is a fine man... He probably won't do that." Chief Justice Roberts, a GOP appointee, has warned of the dangers of politicizing the nomination process and has praised Judge Garland's legal scholarship. Meanwhile Senator Mitch McConnell says the NRA will have veto power over any Court appointment.The rise of Donald Trump as a likely GOP nominee is at once terrifying and a joke that isn't funny. I notice the press doesn't even call him out on his own lies or his refusal to answer questions. If you repeat a lie loudly and long enough, people may come to believe it is true. Is the press partially responsible for the rise of Trump in its greed over his temporary ratings boost? And what would the press say, for instance, if Hillary Clinton displayed anything like the crassness of Donald Trump in debates? Or his lack of knowledge on foreign or domestic policy?Voters should weigh the substance of what a candidate has to offer: his/her policies, his/her agenda, his/her experience, knowledge and demeanor in dealing with worldwide leaders. The time has also come for voters, media, political talking heads and all of us to stop holding any politician to a different standard because she happens to be a woman. All voters should stand in agreement on this issue if no other.Around the world, in some countries younger than the United States, they've proudly elected female leaders: Golda Meir, Benazir Bhuto, Margaret Thatcher and Angela Merkel to name a few. Why does it seem so odd to have a female president here?There is some heartening news. A very recent CNN/ORC poll "finds Clinton would start the general election contest with an edge over Trump on several potential presidential qualifications, with the former secretary of state widely seen as better able to handle the responsibilities of being commander in chief, more in touch with the middle class and more often aligned with Americans' views on important issues."This is a good sign because it is time we grew up as a nation. Stop being afraid of women, and meet them on a level playing field without resorting to name calling and sexist condescension. Hillary Clinton isn't afraid. It's about time that a woman with strength, experience and compassion lead our already great nation in this time of global insecurity. If the pundits or certain GOP candidates are afraid of that, maybe they should just try smiling more.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 1 day ago.

Fully understand the IoT with this report

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The Internet of Things (IoT) Revolution is picking up speed and it will change how we live, work, and entertain ourselves in a million ways big and small.

From agriculture to defense, retail to healthcare, everything is going to be impacted by the growing ability of businesses, governments, and consumers to connect to and control their environments:

· “Smart mirrors” will allow consumers to try on clothes digitally, enhancing their shopping experience and reducing returns for the retailer
· Assembly line sensors will detect tiny drops in efficiency that indicate critical equipment is wearing out and schedule down-time maintenance in response
· Agricultural equipment guided by GPS and IoT technology will soon plant, fertilize and harvest vast croplands like a giant Roomba while the “driver” reads a magazine
· Active people will share lifestyle data from their fitness trackers in order to help their doctor make better health care decisions (and capture discounts on health insurance premiums)

No wonder the Internet of Things has been called “the next Industrial Revolution.” It’s so big that it could mean new revenue streams for your company and new opportunities for you. The only question is: Are you fully up to speed on the IoT?

Research analysts John Greenough and Jonathan Camhi of BI Intelligence, Business Insider's premium research service, spent months of researching and reporting this exploding trend and have put together a report on the Internet of Things that explains its exciting present and the fascinating future.

It covers how IoT is being implemented today, where the new sources of opportunity will be tomorrow and how 17 separate sectors of the economy will be transformed over the next 20 years, including:

· Agriculture
· Connected Home
· Defense
· Financial services
· Food services
· Healthcare
· Hospitality
· Infrastructure
· Insurance

· Logistics
· Manufacturing
· Oil, gas, and mining
· Retail
· Smart buildings
· Transportation
· Connected Car
· Utilities

 

If you work in any of these sectors, it's important for you to understand how the IoT will change your business and possibly even your career. And if you’re employed in any of the industries that will build out the IoT infrastructure—networking, semiconductors, telecommunications, data storage, cybersecurity—this report is a must-have.

Among the big picture insights you’ll get from *The Internet of Things: Examining How the IoT Will Affect The World*:

· IoT devices connected to the Internet will more than triple by 2020, from 10 billion to 34 billion. IoT devices will account for 24 billion, while traditional computing devices (e.g. smartphones, tablets, smartwatches, etc.) will comprise 10 billion.
· Nearly $6 trillion will be spent on IoT solutions over the next five years.
· Businesses will be the top adopter of IoT solutions because they will use IoT to 1) lower operating costs; 2) increase productivity; and 3) expand to new markets or develop new product offerings.
· Governments will be the second-largest adopters, while consumers will be the group least transformed by the IoT.

And when you dig deep into the report, you’ll get the whole story in a clear, no-nonsense presentation:

· The complex infrastructure of the Internet of Things distilled into a single ecosystem
· The most comprehensive breakdown of the benefits and drawbacks of mesh (e.g. ZigBee, Z- Wave, etc.), cellular (e.g. 3G/4G, Sigfox, etc.), and internet (e.g. Wi-Fi, Ethernet, etc.) networks
· The important role analytics systems, including edge analytics, cloud analytics, will play in making the most of IoT investments
· The sizable security challenges presented by the IoT and how they can be overcome
· The four powerful forces driving IoT innovation, plus the four difficult market barriers to IoT adoption
· Complete analysis of the likely future investment in the critical IoT infrastructure: connectivity, security, data storage, system integration, device hardware, and application development
· In-depth analysis of how the IoT ecosystem will change and disrupt 17 different industries

*The Internet of Things: Examining How the IoT Will Affect The World* is how you get the full story on the Internet of Things.

To get your copy of this invaluable guide to the IoT universe, choose one of these options:

1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> *START A MEMBERSHIP*
2. Purchase the report and download it immediately from our research store. >> *BUY THE REPORT*

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of the IoT.

Join the conversation about this story » Reported by Business Insider 1 day ago.

Some Blue Shield, Kaiser members get faulty Obamacare tax forms

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Thousands of Blue Shield and Kaiser Permanente customers who enrolled through Covered California last year received erroneous tax forms saying they did not have health insurance in 2015 — when they actually did. The faulty 1095-A forms were issued in late February, after the customers had already received correct 1095-A forms indicating they were covered. Covered California also sends the forms to the Internal Revenue Service to verify that people have health insurance as required under the Affordable Care Act and are therefore not subject to a penalty. People who get insurance through a marketplace such as Covered California need the forms to finish their tax returns, which are due April 18 unless an extension is requested. The snafu affected about 15,000 Blue Shield customers across the state and was caused by “a systems error on our end,” said Mia Campitelli, a spokeswoman for Blue Shield of California. A spokesman for the exchange said people who received an erroneous second form, marked “void,” should have already received a third, correct one — or will soon. If you have already filed your tax return and completed Form 8962, Premium Tax Credit, based on the original Form 1095-A you received, you may need to file an amended return. Kevin Knauss, an insurance agent in Granite Bay, posted a notice sent to Blue Shield agents about the snafu on his Web site at http://bit.ly/22AeCsx. Insurers are required to issue Form 1095 to customers who have qualifying coverage, showing who in the household is covered and for what period of time. Marketplace customers can get their subsidy in the form of an advance premium tax credit, which reduces their monthly premium. When they file their 2015 tax return, they must fill out Form 8962 to figure out if their advance credit was too high or too low, based on their actual 2015 income. Reported by SFGate 1 day ago.

Can You Make 2016 The Year When You Can Finally Close The Retirement Gap?

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If you're about to retire in 2016, you must be wondering whether this year would finally be the year when you could close the wide retirement gap. The gap is the difference between the total amount of money that you should have saved for your retired life and the money that you have saved in reality. The gap among the Americans is gradually getting dangerous. New reports from Fidelity Investments indicate that there are plenty of gaps in the portfolios of the retirement savers. Most of the retirement savers don't have enough money in their savings account and they're desperately looking for some expert advice on the ways in which they can improve their present financial situation.

*Worthy retirement advice for the soon-to-retire*

Retirement is a transition into a new phase of life which requires immediate change to your lifestyle and finances. If you're going to retire in 2016, there are some final preparations that you need to take. Take a look at some useful advice.

*1. Utilize your workplace retirement benefits:* Your last few months at your workplace are the last chance to reap benefits of your workplace retirement fund. If you have the opportunity, try to tuck in some more money into your 401(k). Workers above the age of 50 can put in as much as $24,000 in a 401(k) in the year 2016. Also ensure that you're vested in your workplace retirement fund. In case you're close to becoming vested, sticking around a few more dollars in a month can be worth thousands of dollars in retirement funds.

*2. Determine whether to roll over 401(k):* While you retire, you need to keep track of your retirement accounts and consolidating your retirement accounts can alleviate the stress of supervising multiple accounts. Moving your money to an Individual Retirement Account or IRA gives you more options for investment and sometimes lower fees as well. Therefore, you might just consider rolling over your 401(k) into an IRA but ensure knowing the pros and cons of doing so.

*3. Get new health insurance:* If you've been getting group health insurance through your employer, now that you're retiring, it is important for you to get individual health insurance policy before leaving the company. If you've crossed 65, you may even sign up for Medicare as it is vital for you to sign with Medicare during 7th month window of your 65th birthday in order to avoid the premiums. So, sign up as soon as you can.

*4. Choose an age to sign up for SS:* When should you start your Social Security benefits? This is one of the most important retirement decisions to make. Payments are usually reduced if you claim the payments before the entire retirement age, 66 for all those people retiring in 2016. Retirement payouts on the other hand will increase if you can delay the claiming until reaching the full retirement age, 70. So, make this vital decision.

In case you're retiring this year, choose to take the above mentioned steps as a part of your retirement planning strategies.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 1 day ago.

IDC Offers Insurance Companies New CRM Vision

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IDC Offers Insurance Companies New CRM Vision IDC Health Insights on Monday outlined best practices for customer engagement strategies to help health insurance companies adopt a semiretail approach to interacting with members or patients. Health insurers need an integrated customer engagement strategy enabling automated interactions, shared communications, and appropriate transaction and information transparency, IDC said. Reported by E-Commerce Times 19 hours ago.

Healthcare Is About To Surpass Housing As The Biggest Source Of American "Growth"

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Healthcare Is About To Surpass Housing As The Biggest Source Of American Growth Following yesterday's breakdown of 2015 GDP growth components, there was little surprise that the biggest source of "growth" for the US economy in the past year was *healthcare *growing at an absolute dollar pace nearly double that the second highest category (recreational vehicles of all things, because in the eyes of the BEA the US has gone on unprecedented Winnebago spending spree).

It was also no surprise that the biggest source of "growth" within healthcare was the tax known as the "Affordable Care Act", which of course is woefully named: as we reported yesterday, a recent report from Freedom Partners Health found that health insurance premiums have increased faster than wages and inflation in recent years, rising an average of 28 percent from 2009 to 2014 despite the enactment of Obamacare, "or rather "because of."

Ironically, without the Obamacare tax, US growth in 2015 would have been as much as 0.5% lower, pushing GDP down from the upwardly revised 2.4% to 1.9% or lower.

But while we knew that on the margin the biggest source of growth in the US economy is now a tax cleverly masked as "discretionary spending", how does healthcare stack up in absolute dollar terms.

It is here where we were genuinely surprised because what we found was disturbing.

It has long been known that of the real $16.5 trillion in US GDP, some 70% is due to personal consumption and spending (68.8% to be precise), and that the single biggest component of US consumer spending has for decades been housing. After all there is a reason why the saying "American Dream" implies the purchase of a house (sadly this has been downgraded to renting in recent "New Normal years). And, in Q4 this was still the case: some $1.973 trillion of the total annualized spending (aka growth) came from outlays on housing and utilities.

What was troubling is that over the past 5 years there has been virtually no growth when it comes to spending on housing.

What was even more troubling is that the second highest spending category, Health Care at $1.9 trillion, has been soaring in recent years, more than offsetting the housing weakness, and as the chart below shows, *the US economy is within 2-3 quarters of the moment when outlays on healthcare (and Obamacare) will surpass spending on Housing.*

Which means that some time in 2017 (if not this year), the components of US GDP will be such that the biggest source of "growth" will be a mandatory tax, if only for "Supreme Court purposes", while appearing in the GDP calculation as the biggest component in both absolute and growth terms when it comes to discretionary consumer spending.

To this we can only say: well done to the "free market economists" in charge of US growth. Reported by Zero Hedge 7 hours ago.

Sunday Roundup

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This week the world was horrified by the bombings in Brussels, which left dozens dead and hundreds injured. The attacks highlighted the seriousness and complexity of the threat facing both Europe and the U.S. Tough talk about refugees and closing borders isn't going to do it. And yet Ted Cruz, just before turning his attention to fighting with Donald Trump about their wives, suggested we "empower law enforcement to patrol and secure Muslim neighborhoods before they become radicalized." As if that's not a recipe for radicalization. Meanwhile, Jeb Bush endorsed Cruz to "overcome" the "vulgarity Donald Trump has brought into the political arena." But as low as the rhetoric on the Republican side has gone, what's become standard policy dogma - indiscriminate bombing, deporting 12 million people, and revoking health insurance from millions more - is much more vulgar. The threats and challenges we face require real leaders, not pandering priapic preening and the same empty macho drivel that has led to so many of our present crises.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 18 hours ago.

It's time to dispel the biggest myth about millennials

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It's time to dispel the biggest myth about millennials It's official: millennials are not that special. 

For years we've heard about millennials, the exotic generation of Americans born between 1985-1995.

Of course, all you really need to know about millennials is that the exact range on these dates is highly contentious.

Millennials, which you can most simply think of as the children of Baby Boomers, were going to move to cities, eschew the habits of their suburban-dwelling parents, and trade the placid stability of semi-rural American life for bike lanes, community parks, and food co-ops. 

But it's clear that "millennial" was a label not assigned to young Americans of a certain age, but young Americans who were a certain type of tech-savvy, urban-dwelling yuppie. As tends to be the case, it was marketing ploy. 

This Goldman Sachs presentation from 2015 is a great overview of the conventional wisdom around what millennials are and what they aren't. 

In 2014, a Nielsen report also offered a helpful breakdown:

Millennials are the social generation, both online and in-person. As the founders of the social media movement, they’re never more than a few clicks away from friends and family. And offline, they prefer to live in dense, diverse urban villages where social interaction is just outside their front doors.

But this week, the Census Bureau released its latest county-level population estimates and the trend was clear: people are moving out of cities and into suburbs.

Not just on a intra-regional, either, but inter-regional, meaning that Americans are moving out of the crowded Wabash sprawl and into more rural areas in the West and South. 

And sure, this is more or less the whole problem with labels and generalizations: they eventually break down. 

But it isn't that this data is pointing to the beginning of a new trend but rather the resumption of an old one. Or as we've said before: millennials are just like everyone else. 

Housing economist Jed Kolko wrote this week that the post-crisis economy threw a wrench into the decades-long trend of Americans moving away from the densest urban centers, but as the economy has normalized this trend has moved back into place.

And as Americans move back into more suburban areas and look to become single-family homeowners, we're suddenly staring down the barrel of a new housing crisis in which a lack of supply hamstrings the market. 

So it isn't, as Slate's Jordan Weissman wrote this week, that millennials are going to drive their SUVs to Sam's Club in some sort of caricature of what US suburban aspirations are really about, but that the broad trend of young American families moving from dense cities to less-crowded, more family-accessible suburbs was and remains too powerful for a major recession to derail. 

As far back as June 2015, we were writing that what millennials wanted to do was own a home.

Or as Douglas Duncan and Sarah Shahdad of Fannie Mae wrote at the time, "Evidence from Fannie Mae's National Housing Survey suggests that many renters aged 18-34 see their current ability to own, not a lack of desire to own, as the primary reason they remain renters... *In fact, their desire eventually to own their homes is no different from that of their parents and previous generations."*

According to Duncan and Shahdad, 96% of millennial renters were optimistic they'd eventually own a home. 

And if you live in New York City, for example, it isn't all that hard to see why the American suburb has been such a relentless force in attracting residents for decades.

Sure, you can carry an infant up a few flights of stairs. But don't forget about the stroller.

Then, in time, there might be child number two. Then child one wants to walk. But not up all four flights, only the first two. But remember: you only have two arms and one of them has child two and the other has the stroller. And so on. 

Services like Fresh Direct, Uber, and Amazon Prime make the acquisition of household necessities far less burdensome than they may have been, say, a decade ago.

Also: many building have elevators. But these deliveries and buildings are all very expensive, and the kids haven't even gone to school yet!

My parents have told me that when kids are small there are a lot of things to pay for but they are mostly cheap (buy diapers in bulk, health insurance covers doctors, etc.). And if you need to entertain a two-year-old for an hour? Give her a shoebox and it's probably going to be great. 

Once kids grow up, though, you've got sports, electronics, car insurance (forget about an actual car), proms, college, etc. Also, you want to retire, right? 

Life is hard. 

But all this is to say that for the changes we've seen in the demography of the US over the last few generations — the country has gotten larger, older, and more diverse — the well-worn path of being a home-owning suburban-dwelling family is still the most durable trajectory for young Americans that want to provide an incrementally better life for their children. 

This is the future for millennials. 

*SEE ALSO: The next housing crisis is here*

Join the conversation about this story »

NOW WATCH: 'Batman v Superman' is a complete trainwreck, and director Zack Snyder is to blame Reported by Business Insider 11 hours ago.

Sanders, Socialism and the Shafted Generation

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Once again, Bernie Sanders has demonstrated, with a trifecta of big wins in Hawaii, Alaska and Washington State, that he has broad and enthusiastic support, especially among the young. Equally astonishing is the large percentage of voters who say they are attracted rather than repelled by Sanders' embrace of socialism.

But if you bother to conduct your own focus group among Americans under 40, neither phenomenon should be surprising. Except for those graduating from elite universities, with either full scholarships or wealthy tuition-paying parents, this is the stunted generation -- young adults venturing into a world of work, loaded with student debt, unable to find stable jobs or decent careers.

This is also the post-Cold War generation, for whom Soviet communism is a distant memory (along with reliable jobs). For this generation of Americans, capitalism is not exactly a good word, nor is socialism a bad one.

And this is the generation that finds employer-paid health insurance hard to find; often the "Bronze" version of the Affordable Care Act, with its high out-of-pocket payments, is all they can afford; a generation paying too much of unreliable incomes in rent, and putting off the dream of home-ownership and having children.

So, when a candidate comes along calling for free college education and free universal health care, and far higher minimum wages, it sounds pretty fine. And if capitalism means the one percent making off with everything that isn't nailed down, then maybe Sanders-style socialism is worth a try. So say the young.

Private frustrations and longings have at last become politicized. And well they should be. Because the reality of the rules of the game turning brutally against the young has nothing to do with technology or the immutable realities of the digital economy -- and everything to do with who gets to write the rules.

The policy-wonk types like to point out that the Sanders program would require a huge tax increase.

And indeed it would. But as long as the tax hike is on the upper brackets, that only adds to the appeal of the program. During and after World War II, the top marginal tax rate was north of 90 percent, and this was the era of a record economic boom.

At the heart of this generational revolution is the vanishing good job. Until recently, the claims of a new, on-demand economy, made up of short-term gigs, was challenged by economists, even liberal ones.

It was kind of a new category that didn't show up in the data. You could debate whether Uber and Task Rabbit and kindred companies were good or evil, but they just didn't affect that many workers.

Now, belatedly, this shift is being confirmed. The economists are right -- most of the unreliable jobs are not on-demand gigs. Rather, they are other forms of lousy "contingent" work. That category includes temping, contract work, on-call workers, workers hired by staffing agencies, workers with no job security, and inferior forms of conventional employment like adjunct college professors who can make less than minimum wage, Ph.Ds and all. (So much for the education cure.)

Jobs that used to pay decently are being turned into inferior jobs, whether in the manufacturing economy or the service economy. Yes there is an uptick in entrepreneurship, but for every young person who creates a company like Amazon, there are tens of thousands working in its warehouses.

The Wall Street Journal, of all places, reports a 60 percent increase since 2005 in the proportion of U.S. workers who have these inferior forms of employment.

The Labor Department, denied adequate funding to update its numbers, had not revised its count of contingent workers. So two eminently mainstream economists, Lawrence Katz of Harvard and Alan Krueger of Princeton (one of the very people carping about the cost of Sanders' program) hired the Rand Corporation to do what the labor Department should be doing -- surveying actual current workers.

Katz and Krueger analyzed the results. And guess what? They confirmed in rich detail what your local 28-year-old could tell you: Real jobs are getting harder and harder to find. No wonder the uptick in GDP growth is not impressing voters, especially younger ones.

So Sanders is likely to continue making off with the youth vote. Even if he falls short of the nomination, this is bad news for Hillary Clinton. Whatever her other virtues, most young Americans don't see her speaking to the realities of their condition.

This also presents a real conundrum for mainstream moderate liberal economists like Katz and Krueger. Altering these trends will require radical reforms, not adjustments at the margins.

Sanders' program may cost a lot of money. It may be socialistic. And it may require Congressional majorities that will be a long time coming. But Sanders has the loyalty of the kids because he is speaking truth.

--

Robert Kuttner is co-editor of The American Prospect and professor at Brandeis University's Heller School. His latest book is Debtors' Prison: The Politics of Austerity Versus Possibility.

Like Robert Kuttner on Facebook.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 21 hours ago.

ez1095 ACA Software Has A New Way To Print Documents For Employees

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ez1095 Affordable Care Act form software now offers two sided print option for companies to print for employees. Download and try it at no obligation by visiting http://www.halfpricesoft.com.

Houston, TX (PRWEB) March 28, 2016

Halfpricesoft.com just released a new feature in ez1095 ACA form software. Now companies get a two sided print option for employee ease of use. Companies can now easily print 1095 C, 1094 C, 1095 B and 1094 B with options in how they are printed for mailing. This software has also been approved by IRS to generate the efile documents that customers can upload to IRS for ACA form electronic filing.

The new healthcare law requires all employers that have 50 or more full-time employees or equivalents to file an annual return in 2016 reporting health insurance they offered employees. Customers are able to now purchase the efile version for a quicker solution to processing forms 1095 and 1094.

“The new double sided print option in ez1095 2015 software for accommodates employees and employers.” said Dr. Ge, the founder of Halfpricesoft.com.

Customers that need to file Form 1095C, 1094C, 1095B and 1094B can download and try out this ACA software from halfpricsoft.com before purchasing with no obligation by visiting http://www.halfpricesoft.com/aca-1095/form-1095-software-free-download.asp

The main features include but are not limited to :· Double sided print option for forms add ease of use
· Print ACA Form 1095-C, 1094-C, 1095-B and 1094-B on white paper for recipients and IRS with inkjet or laser printer.
· Print Form 1094 C: Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns
· Print Form 1095-B: Health Coverage
· Print Form 1094-B: Transmittal of Health Coverage Information Return
· PDF print 1095-C and 1095-B recipient copies
· Efile version available at additional cost.
· Support unlimited companies.
· Support unlimited number of recipients.
· Print unlimited number of 1095 and 1094 forms.
· Fast data import feature
· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance

ez1095 software is compatible Windows 10, 8.1, 8, 7, Vista, XP and other Windows systems. Designed with simplicity in mind, ez1095 software is easy to use and flexible. ez1095 software’s graphical interface leads customers step-by-step through setting up company, adding employees, add forms and print forms. Customers can also click form level help links to get more details regarding the software.

To learn more about ez1095 ACA software, customers can visit http://www.halfpricesoft.com/aca-1095/aca-1095-software.asp

About halfpricesoft.com
Founded in 2003, Halfpricesoft.com has established itself as a leader in meeting the software needs of small businesses around the world with its payroll software, employee attendance tracking software, check printing software, W2 software, 1099 software and barcode generating software. It continues to grow with its philosophy that small business owners need affordable, user friendly, super simple, and totally risk-free software. Reported by PRWeb 14 hours ago.

23% Of Americans In Their Prime Working Years Are Unemployed

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23% Of Americans In Their Prime Working Years Are Unemployed Submitted by Michael Snyder via The Economic Collapse blog,

*Did you know that when you take the number of working age Americans that are officially unemployed (8.2 million) and add that number to the number of working age Americans that are considered to be “not in the labor force” (94.3 million), that gives us a grand total of 102.5 million working age Americans that do not have a job right now?*  I have written about this before, but today I want to focus just on Americans that are in their prime working years.  When you look at only Americans that are from age 25 to age 54, *23.2 percent* of them are unemployed right now.  The following analysis and chart come from the Weekly Standard…



Here’s a chart showing those in that age group currently employed (95.6 million) and those who aren’t (28.9 million):

 

 

“There are 124.5 million Americans in their prime working years (ages 25–54). *Nearly one-quarter of this group—28.9 million people, or 23.2 percent of the total—is not currently employed*. They either became so discouraged that they left the labor force entirely, or they are in the labor force but unemployed.

 

*This group of non-employed individuals is more than 3.5 million larger than before the recession began in 2007*,” writes the Republican side of the Senate Budget Committee.



Clearly, we have never recovered from the impact of the last recession.

But let’s try to put these numbers in context.

Below, I would like to share two charts with you.  They show what has happened to the inactivity rates for men and for women in their prime working years in the United States in recent years.

In order to be considered “inactive”, you can’t have a job and you can’t be looking for a job.  So this subset of people is smaller than the group that we were talking about above.  The 23.2 percent of Americans in their prime working years that are unemployed right now includes those that are looking for a job and those that are not looking for a job.

These next two charts do not include anyone that has a job or that is currently looking for a job.  These charts only cover “inactive” people in their prime working years that are not considered to be in the labor force.

As you can see in this first chart, the inactivity rate for men in their prime working years exploded higher during the last recession and then continued to go up even after the recession supposedly ended.  At this point, it is hovering near all-time record highs.  Does this look like an “economic recovery” to you?…

For women, we see a similar thing.  In this next chart, you can see that the inactivity rate for women in their prime working years rose during the last recession and then just kept on rising.  At this point, it is also hovering near all-time record highs…

What are we to make of all this?

For both men and women in their prime working years, the inactivity rate is even higher than it was during the last recession and is hovering near the all-time record.

All of these people neither have a job nor are they looking for one.

*So what in the world is going on here?*

*Are they independently wealthy?*

*Have these people found rich spouses to marry so they don’t have to work?*

No, the truth is that the middle class in America is steadily eroding and poverty is absolutely exploding.  Credit card debt has soared to a new record high, and 48 percent of all U.S. adults under the age of 30 believe that “the American Dream is dead”.

The issue isn’t that people don’t want to work.

The issue is that people cannot find enough work.

And even if you have a job, that does not mean that you are on easy street.  According to the Social Security Administration, 51 percent of all American workers make less than $30,000 a year.

*Tens of millions of Americans are now among the ranks of “the working poor”.  *So many families are watching their expenses soar while their paychecks go down or stagnate.  If you are in this situation right now, then you probably know how exceedingly stressful it can be.

Just look at what is happening to the cost of health insurance.  The following comes from Fox News…



Health insurance premiums have increased faster than wages and inflation in recent years, *rising an average of 28 percent* from 2009 to 2014 despite the enactment of Obamacare, according to a report from Freedom Partners.



And I am not exactly sure where they got those numbers.  Personally, I know that my health insurance rates have gone up far faster than that.

Two years ago, my health insurance company wanted to double the health insurance premiums for my family even though we never get sick.  So I switched to another insurance company that offered a policy that was only about 30 percent higher than my last one.  But then when it came time to renew, that insurance company wanted to raise my rate by another 50 percent.

*Thanks to Obamacare, American families are being absolutely crippled by the cost of health care.  *And of course we are seeing the rising cost of living so many other places as well.  Our paychecks are being squeezed harder and harder, and this is absolutely killing the middle class.  In fact, the middle class in America is now a minority for the first time ever.

*And now for the real bad news – this is about as good as things are ever going to get in this country. * As you can see from what I have shared above, we never really had any sort of meaningful “economic recovery”, and now we have entered the early phases of the next major downturn.

*So where do we go from here? * Unfortunately, our debt-fueled prosperity has provided us with a massively inflated standard of living that is not even close to sustainable.  As this bubble bursts, the economic pain is going to be absolutely unprecedented. Reported by Zero Hedge 9 hours ago.
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