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Hillary Clinton Is A Progressive Democrat, Despite What You May Have Heard

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Bernie Sanders has said that Hillary Clinton is not a “true progressive” and many of his supporters seem to agree. It’s one reason that Sanders keeps performing well in primaries and caucuses, prolonging the campaign for the Democratic presidential nomination.

But whether that assessment of Clinton is accurate depends entirely on what it means to be a true progressive nowadays.

Does it mean voting like Sanders has, and embracing his agenda? Or does it simply mean consistently pushing for policies that would significantly advance progressive causes, like a fairer economy and a cleaner environment?

By the first definition, Clinton clearly doesn’t qualify as a progressive.

By the second, she clearly does.

The ideological gulf between Sanders and Clinton is real, and it's easy to spot. Sanders thinks everybody should get health insurance from the government and be able to attend public universities for free. He thinks taxes must go up to pay for these programs, mostly on the rich but also on the middle class. Clinton has rejected those ideas as impractical, as policy or politics -- or simply ill-conceived.

Their histories are different too. Over the years, Sanders staked out a position so far to the political left that, until this year, he didn’t even formally identify as a member of the Democratic Party -- and preferred to call himself simply a “democratic socialist.” He was an original critic of the North American Free Trade Agreement. He gets his campaign funding almost exclusively from small donors, and has basically no ties to corporate America.

Clinton, by contrast, has on occasion called herself “moderate.” She has the support of all kinds of wealthy and corporate donors, and she may soon have more. Just this week, Politico reported that some of her fundraisers were courting traditionally Republican campaign financiers on Wall Street.

Statistics designed to measure ideological temperament, like the DW-NOMINATE scores by political scientists Keith Poole and Howard Rosenthal, suggest that Sanders has been among the most liberal members of the Senate. This includes the era when he and Clinton served in the Senate together. Their ratings aren’t particularly close.


Take Sanders out of the equation, and suddenly Clinton looks an awful lot like a mainstream progressive

But Sanders’ position on the outer ideological edges of the Democratic Party is also a reminder that context matters.

If Sanders is the standard by which you’re going to decide whether a politician is a progressive, then almost nobody from the Democratic Party would qualify. Take Sanders out of the equation, and suddenly Clinton looks an awful lot like a mainstream progressive -- firmly on the left side of the American ideological spectrum and maybe on the left side of the Democratic Party’s, as well.

One reason it’s easy to miss this is that Clinton’s domestic policy agenda doesn’t include one signature idea or position that’s going to dominate the headlines or get activists excited. Instead, it’s a series of proposals that, together, would fortify the social safety net, strengthen regulation of industry, and bolster public services. To the extent these programs require new spending, the money would largely come from new taxes on the wealthy.

Consider just a few key components of Clinton’s economic and energy agenda:

*Minimum Wage:* Clinton has formally proposed raising it to $12 everywhere, with the possibility of $15 in communities where living standards are already high. (She’s since said that she would sign a bill mandating a $15 wage across the country, with unspecified caveats.) It’s not quite as ambitious as what Sanders has in mind, but it’s close.

Relative to today’s minimum wage, the level that Clinton proposes would represent an increase of about two-thirds, which would make it the largest jump in the history of the federal minimum wage. Note that Clinton would also index the minimum wage to the median wage, as Sen. Patty Murray (D-Wash.) has proposed, so that it maintained its value over time -- and that Clinton would eliminate the “tipped” minimum wage, which allows restaurants to pay food servers less on the theory that the workers will make up the difference in tips.

*Climate Change:* Clinton has said she opposes Arctic drilling, as well as oil and gas development off the Atlantic coast. (The Obama administration has since taken a similar position on the Atlantic.) Clinton has also said she would phase out fossil fuel development on public lands. She hasn’t rejected fracking outright, as Sanders has, but she’s taken increasingly tough positions on natural gas.

By 2027, Clinton has said, 33 percent of electricity should come from renewable sources. That’s short of what climate scientists believe is necessary to get a handle on global warming, but it’s also more ambitious than Obama’s goal, which is 28 percent renewables by 2030.

*Paid Family Leave:* Clinton, a longtime proponent for supporting working parents, has called for providing 12 weeks of paid leave for new mothers and fathers, as well as anybody taking care of an infirmed elderly relative. She would require this of all states, rather than simply putting up some money for states interested in experimenting. And she’d back that with enough federal funding to cover at least two-thirds of the cost in each state.

Unlike Sanders, who would finance his version of paid family leave with a small tax on all payrolls, Clinton has said she would probably rely on taxes for the wealthy or taxes on business. But the benefits would be the same.

*Higher education:* If Clinton has her way, students could pay for tuition at public four-year colleges in their states without taking out loans. The program to make this possible would be complicated, even convoluted: States would get money from the the federal government, on the condition they stop reducing and start increasing what they spend on higher education. In addition, students would have to work up to 10 hours a week, while families would have to make a “realistic contribution” -- conditions that Sanders would not place on aid.

But low-income students could use aid to pay for books and fees, as well as tuition. (Other living expenses, notably room and board, would still require payment or loans for most students.) Community college would be free, which is a big deal, since that’s where 38 percent of undergraduates are getting their educations. All told, the Clinton program would require $350 billion over 10 years, which is less than Sanders has proposed, but far more than Obama suggested in either of his presidential campaigns.

*Taxes:* Clinton has proposed a raft of new taxes that would fall almost entirely on wealthy individuals or corporations. Her agenda includes higher estate taxes and a minimum tax on incomes higher than $1 million, which has come to be known as the “Buffet Rule.” (It’s after Walter Buffet, the multibillionaire who publicized the loopholes allowing people like to him to pay lower income tax rates than their office staff.)  Clinton would close the loophole that lets some investment fund managers get a huge tax break on most of their incomes. She would also make it more difficult for corporations to avoid taxes overseas.

The Brookings-Urban Tax Policy Center estimates that Clinton’s tax proposals would generate more than $1 trillion in revenue over 10 years. That’s a lot of money, even if it pales next to the new taxes that Sanders would seek. (Estimates have suggested his tax hikes would be more than $10 trillion and maybe more like $20 trillion, though the majority of that would be in the form of health insurance taxes displacing current taxes and private health insurance premiums.)Note that this partial list leaves out whole categories of policies -- like immigration, gun violence, and abortion rights -- where Clinton also has staked out strongly progressive positions. In some cases, her positions are arguably more progressive than the ones Sanders has taken. (The list also does not include foreign policy, where Clinton’s interventionist instincts put her at odds with many progressives -- but where, as Max Fisher of Vox has noted, Clinton’s enthusiasm for diplomacy sets her apart from conservatives.)

Of course, sketching out a campaign agenda is one thing. Pushing to enact it is quite another. A big reason that Sanders and his supporters don’t put much stock in Clinton’s rhetoric is that they don’t trust her to follow through. They think she will pull back, because they see her raising money from corporate interests that oppose progressive policies -- and because they remember the 1990s, when she supported welfare reform, free trade treaties, and other policies that her husband pursued when he was president. 

But Clinton's responsibility for her husband's agenda isn't always self-evident, because, as first lady, she had less ability to dissent than other advisers. A better indicator of her instincts is probably her subsequent record as a senator from New York. According to those same DW-NOMINATE ratings, Clinton was the chamber's 11th most-liberal member during her tenure. It's a crude statistic, but it suggests strongly that she was not just progressive relative to the Senate. It suggests that she was also progressive relative to members of her own party.

And if you can count on Clinton to be responsive to Wall Street, you can also count on her to be responsive to unions, environmental groups, advocates for children and for women’s rights -- groups that will continue to push her in a progressive direction if she ends up in the White House. The same goes for the hordes of progressive voters who have backed Sanders in the primaries. If they make noise, Clinton is going to listen.

That's arguably happening already, thanks to the strong campaign that Sanders has run. This is how political change happens! But once the fight for the Democratic presidential nomination is over, the dynamics are bound to shift. It's easy to forget now, but the right wing has spent most of Clinton's time in public life portraying her as a extreme liberal, or even a socialist. As soon as the primaries are over, those attacks will start again -- and some ambivalent progressives may decide they like Clinton after all.

-- 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 6 hours ago.

Rockland Podiatrist, Girlfriend Indictments on Conspiracy, Criminal Solicitation Charges

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Rockland Podiatrist, Girlfriend Indictments on Conspiracy, Criminal Solicitation Charges Patch New City, NY -- Law officials say the two conspired to kill the man's wife plus two health insurance investigators looking into his business. Reported by Patch 58 minutes ago.

Arizona Finally Joins Rest of U.S. with Children's Insurance Plan

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After opting to reject the same proposal back in 2010, Arizona finally joins 49 states in establishing a health insurance program for children in low-income families. Reported by Christian Post 21 hours ago.

Indiana jail registers inmates for Medicaid to save taxpayers

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Indiana jail registers inmates for Medicaid to save taxpayers The Lake County Jail has some paperwork for its inmates - registering for federally subsidized health insurance. Reported by WTHR 21 hours ago.

Vince Pascoe Marks 20 Years with State Farm

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Veteran insurance agent Vince Pascoe is celebrating his twentieth anniversary with State Farm.

Glenshaw, PA (PRWEB) May 09, 2016

“It’s been an honor and a privilege to represent State Farm for the past two decades,” said insurance agent Vince Pascoe, who has over thirty years’ experience in the industry. “I chose this business because my mother, Caroline, was a nurse and inspired me to help people. The other influence was my father, Bob, who worked for State Farm as a claims manager and an agent for most of my life. I was also a medic in the U.S. Air Force and wanted to continue helping people in my professional life.”

His commitment to serving his clients has resulted in Vince winning Best Insurance Agent for the Route 8 corridor of Pittsburgh. He was also voted a first-place winner in a Reader’s Choice award given by Trib Total Media.

In addition to insurance, Vince is passionate about serving his community. He has been a proud Rotarian for over fifteen years, providing humanitarian services and advancing goodwill and peace, and the former president from 2007-2008 of the Shaler Area Rotary Club. Vince is also an annual participant in Kids Day America and Pittsburgh Vintage Grand Prix for Allegheny Valley School and Autism.

“I like to lead by example, as helping the people of my community is the least I can do,” said Vince, who is also a graduate of local Geneva College. “As for my chosen profession, my mission with State Farm is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.”

About Vince Pascoe, State Farm
Vince Pascoe offers auto, home and property, life and health insurance, as well as banking products, annuities and Investment services . For more information, please call (412) 486-1216, or visit http://www.wemanagerisks.com. The office is located at 1501 Mount Royal Blvd., Suite 101, Glenshaw, PA 15116.

About the NALA™
The NALA offers small and medium-sized businesses effective ways to reach customers through new media. As a single-agency source, the NALA helps businesses flourish in their local community. The NALA’s mission is to promote a business’ relevant and newsworthy events and achievements, both online and through traditional media. For media inquiries, please call 805.650.6121, ext. 361. Reported by PRWeb 10 hours ago.

Halfpricesoft.com Updates Ez1095 Software With 1095 Replacement Form EFile Feature

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Ez1095 ACA software now supports replacement for form 1095 at no additional cost. Test drive the 30 day no cost or obligation trial at http://www.halfpricesoft.com.

Philadelphia, PA (PRWEB) May 09, 2016

ez1095 Affordable Care Act (ACA) software application, from Halfpricseoft.com has been updated to include a 1095 replacement form efile feature. Businesses can now re-submit these forms to the IRS if previously submitted incorrect information on the forms and the submission was rejected by IRS.

“ez1095 2015 software now offers a new replacement feature to re-submit previously incorrect 1095 and 1094 forms,” said Dr. Ge, the founder of Halfpricesoft.com.

ez1095 ACA form software is efficient and flexible. Developer’s created this software to adhere to the requirements by the government to file forms 1094 and 1095 starting in 2016. ez1095 software’s graphical interface allows customers to set up company, add employees, add forms and print forms soon after download. Customers can also click form level help links to get more details regarding the software.

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

Features included in the application are:· Print ACA Form 1095-C, 1094-C, 1095-B and 1094-B on white paper for recipients and IRS with inkjet or laser printer.
· PDF print 1095-C and 1095-B recipient copies
· Efile version available for additional cost.
· Support unlimited companies at no additional cost.
· Support unlimited number of recipients at no additional cost.
· Print unlimited number of 1095 and 1094 forms at no additional cost.
· Fast data import feature
· Print Form 1095 C: Employer-Provided Health Insurance Offer and Coverage Insurance
· 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

Priced at just $195, ($295 for efile version) this ACA forms filing software saves employers time and money. 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 9 hours ago.

Caregiverlist® Reports Hawaii Nursing Home Rating and Cost Index for May 2016

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Seniors in Hawaii planning ahead for senior care should first understand the daily costs of nursing homes in their area and review the most important factors indicating quality of care. Hawaii nursing homes are the second costliest in the nation.

Chicago, Illinois (PRWEB) May 09, 2016

Hawaii seniors needing a long-term stay in a nursing home in their state will pay roughly $129,757.50 per year, the average annual cost based on the daily rates of 50 nursing homes in Hawaii, down from the $139,097.85 we reported last year. However, the average daily cost for nursing home in Hawaii is the second highest in the nation, behind the state of Alaska, whose average daily nursing home cost is $573.90, or about $209,500 annually.

Aloha State seniors needing nursing home care can now view the most recent ratings and costs of nursing homes in their area by using the interactive Caregiverlist® Nursing Home Directory. This month’s update of the Hawaii Caregiverlist® Index, indicates that the average cost of a nursing home in Hawaii is $355.50 per day (based on both private and semi-private rooms), or about $10,813 per month. Of the 50 total Hawaii nursing homes, just less than half receive a score of at 4 or 5 stars, while 13 nursing homes garnered a 1-star rating. However, keep in mind that new nursing homes also will receive only a 1-star until they have had a chance to be rated.

Caregiverlist® Rating Criteria National Averages for Hawaii Nursing Homes

May 2016 National Averages Weighting for Rating

2 hours, 28 minutes: C.N.A. Hours per Resident per Day 40%
15.7%: Long-stay Residents with Increasing Activities of Daily Living Needs 20%
1.0% Short-term Residents with Pressure Sores (Bed Sores) 20%
Overall Medicare Star-Rating Score 20%

Caregiverlist® Hawaii Nursing Home Rating and Cost Index

Average Cost Varies by State
Total Number of Nursing Homes: 50
Average Single Price: $397
Average Double Price: $314
Average Rating: 2.6

Star Rating Snapshot:
5-Star: 3
4-Star: 17
3-Star: 13
2-Star: 4
1-Star: 13

The Caregiverlist® rating combines 4 criteria to calculate an overall star-rating with a 5-star rating as the highest and a 1-star rating as the lowest score, as rated against the results for the total number of nursing homes.

The Hawaii nursing home with the highest Caregiverlist® rating is privately-owned Island Nursing Home in Honolulu, Hawaii, which scores 4.8 out of 5 stars. The nursing home's semi-private room (they do not offer private rooms) costs $252.00 per day, which is significantly less than the state's average double rate of $314.00.

Hawaii seniors and their families must remember that nursing homes have become an extension of a hospital stay and many times Medicare health insurance will authorize a hospital discharge directly to a nursing home for rehabilitation after a major medical event has happened. This means researching the right nursing home ahead of time will ease the transition should a medical emergency occur. Medicare does not pay for long-term care but does pay for short-term stays in a nursing home, usually as post-hospital stay rehabilitation. Medicaid does pay for low-income qualifying seniors for an ongoing stay in a nursing home.

Costs of senior care are always a factor when choosing the right senior care option. Low-income seniors in Hawaii may qualify for Medicaid, with the financial qualification of no more than $2,000 in assets for individuals and a $3,000 limit for couples. Medicaid will pay for long-term care in a nursing home for as long as the senior qualifies for needing care, even if this means multiple years of care until death. Visit the Caregiverlist® Hawaii Medicaid Eligibility Requirements for for more information.

Seniors should review the ratings and costs of nursing homes in their area and then visit the nursing homes which meet their budget availability. Ratings for nursing homes are only a starting point. While the Caregiverlist® Index calculates a custom rating based on the most important criteria for quality, Medicare will only begin auditing the nursing home’s submitted information for C.N.A. staffing next year. Currently, all of the information for the nursing home ratings is self-reported.

About Caregiverlist®
Caregiverlist.com® is the premier service connecting seniors and professional caregivers with the most reliable senior care options, highest quality ratings and outstanding careers nationwide. Founded by senior care professionals, Caregiverlist® delivers the efficiencies of the internet to senior care companies by providing online job applications, caregiver training, background checks and industry news. Seniors and caregivers can access senior service information “by state,” view nursing home costs and star-ratings and learn about all senior care options and quality standards. For more information, please visit http://www.caregiverlist.com. Reported by PRWeb 8 hours ago.

As the American Academy of Pediatrics Changes Stance on Head Lice and Nits, Lice Troopers Gives Parents Peace of Mind

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Miami-based professional head lice removal service responds to the AAP's revised stance on No-Nit policies, and gives suggestions for parents navigating the parasite at school.

Miami, Florida (PRWEB) May 09, 2016

As reported recently by Today, the American Academy of Pediatrics (AAP) has revised its stance on head lice, specifically regarding No-Nit policies. The new guidelines, which will change how schools handle head lice, have parents confused and anxious over the possibility of a lice epidemic.

While in the past the No-Nit policy has instructed parents to keep kids at home until the hair is free of all lice and nits, the AAP claims this is unnecessary. Said the AAP, "a healthy child should not be restricted from attending school because of head lice or nits." They add that, contrary to popular belief, the majority of head lice transmissions don’t take place at school, but in homes, at sleepovers, at camp or during other extracurricular activities.

Lice Troopers, the Miami based professional lice removal company, agrees that as head lice don’t carry disease, quarantining a child is probably not necessary. However, they recognize that lice is distressing for both kids and parents, and thus caution that it is not a condition to be taken lightly.

In light of this news, Lice Troopers reminds parents that if their child has head lice, the best and safest thing to do is to treat the condition immediately. While many parents will choose a pesticide shampoo, Lice Troopers adds that these products are rarely effective with one use, and many carry side effects. Which means that even after treatment, parents may be sending a lice-infested child back into the classroom.

The approach they recommend is professional combing for total lice removal. The benefit of this, in addition to removing the workload from parents, is that the service is guaranteed after one treatment. As no pesticides or chemicals are used, it's also safe. Once the treatment has been completed, parents can relax, knowing the problem has been taken care of.

As HIPPPA privacy policies often restrict teachers and school administrators from sharing news of individual lice infestations with other parents, Lice Troopers recommends that parents be more open with each other. While the lice condition is cloaked in stigma and shame, the company reminds parents that anyone can get lice. It’s a common childhood condition that is highly contagious among kids who play closely together and often share personal belongings.

While many schools throughout Florida are embracing the new guidelines that allow kids with lice into the classroom, it doesn’t mean they’re indifferent to a lice epidemic taking over their schools. Many have employed services like Lice Troopers to conduct school wide screenings to help identify cases of lice so that parents can be notified discreetly and children receive treatment immediately.

Lice Troopers is the all-natural, guaranteed Head Lice Removal Service™ that manually removes the head louse parasite safely and discreetly in child-friendly salon settings, or other chosen location. Providing safe solutions for frantic families, the Lice Troopers team has successfully treated thousands of families nationwide, with services widely recommended by pediatricians and reimbursed by many major health insurance carriers, flexible spending accounts and health savings accounts. Reported by PRWeb 8 hours ago.

Corey Hinson & Associates Insurance & Financial Group Launch New Charity Campaign to Fundraise for the National Breast Cancer Foundation

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Corey Hinson & Associates Insurance & Financial Group continues their community enrichment program by initiating a new charity campaign in support of the National Breast Cancer Foundation and their Mammography Program, which provides free mammograms and diagnostic breast care services to women in need.

Charlotte, NC (PRWEB) May 09, 2016

Corey Hinson & Associates Insurance & Financial Group, a full service insurance provider serving families of Rock Hill and Fort Mill, SC and Charlotte, NC, has announced the latest beneficiary of their ongoing community involvement program. The current campaign fundraises for the National Breast Cancer Foundation and their Mammography Program, which provides free mammograms and diagnostic breast care services to women in need. Donations may now be made here: https://fundraise.nbcf.org/events/2016fy-fundraisers/e53783.

The National Breast Cancer Foundation (NBCF) was founded in 1991 by a breast cancer survivor who was passionate about educating women on breast cancer and the importance of early detection. Breast cancer is one of the leading health crises for women in the U.S., with 1 in 8 diagnosed with breast cancer in their lifetime. At this time, there is no known cure, and early diagnosis is crucial to survival. However, with increased healthcare costs and the rapidly escalating number of women without health insurance, many can’t afford the cost of screening tests. NBCF inspires hope and provides help to millions by partnering with medical facilities in all 50 states to provide these underserved women with free mammograms, breast care services and education.

“We are very happy to be collaborating with the NBCF,” said Corey Hinson, owner of Corey Hinson & Associates Insurance & Financial Group. “We want to help them reach as many local women in need as possible. Education about early detection, coupled with free mammograms, saves lives. Period. We are honored to help with that vital mission.”

The Hinson team is hard at work promoting the campaign for NBCF through various channels, including featuring the campaign in their monthly magazine. Our Hometown is delivered to thousands of households in Rock Hill, Fort Mill, Charlotte and surrounding communities, and has reserved a full page to feature the initiative. The electronic Flipbook version of the magazine’s current issue may be accessed at: http://www.coreyhinson.com/Our-Hometown-Magazine_39.

The agency itself has pledged to donate $10 to NBCF on their customers’ behalf for each and every recommendation they receive for an insurance quote, with no purchase necessary. Readers wishing to join Corey Hinson & Associates in providing mammograms for local women in need may view the campaign, recommend friends and/or make a personal donation here: http://www.coreyhinson.com/Taking-A-Stand-To-Fight-Against-Breast-Cancer_21_community_cause.

The agency’s master charity program, Agents of Change, has been in effect for quite some time, seeking out new local organizations, families and/or individuals every two months to receive support. Community members are invited to submit ideas for future campaigns at: http://www.coreyhinson.com/Submit-A-Community-Cause-_55.

Information on past initiatives may be found here: http://www.coreyhinson.com/community-cause. To learn more about the agency, readers may visit: http://www.coreyhinson.com/.

About Corey Hinson & Associates Insurance & Financial Group

A full service, award-winning firm serving families from offices in Rock Hill and Fort Mill, SC and Charlotte, NC, Corey Hinson & Associates has one simple mission: to provide the finest insurance and financial products in the industry, while delivering consistently superior service. Corey Hinson and his dedicated team of caring professionals focus on helping clients to protect the things which are most important to them (their families, homes, cars and more) and in developing strategies to fulfill long-term financial goals. An expert at any of their three locations may be reached by calling 800-600-9975. Reported by PRWeb 6 hours ago.

Diligent Corporation Independently Verified as HIPAA Compliant

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Diligent Corporation Independently Verified as HIPAA Compliant NEW YORK--(BUSINESS WIRE)--Diligent Corporation, the leading provider of board collaboration solutions to over 4,000 organizations and 120,000 users, announced today that it had obtained independent verification of its compliance with the essential elements of the US Health Insurance Portability and Accountability Act (“HIPAA”) and the Health Information Technology for Economic and Clinical Health (“HITECH”) Act that govern the security of personal health information used by hospitals, health i Reported by Business Wire 3 hours ago.

Outside the Box: How the U.S. can lower out-of-control health-insurance premiums

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Reported by MarketWatch 2 hours ago.

New AIS Online Training Program Takes an In-Depth Look at Oncology Management Strategies

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Designed for staff at hospitals and other provider groups, oncology-related organizations, pharma companies or health plans, AIS’s new online training program on oncology management provides a cost-effective way to get up-to-speed on industry-wide efforts to improve patient outcomes while reducing the enormous financial impact of cancer therapies.

Washington, DC (PRWEB) May 09, 2016

Atlantic Information Services, Inc. (AIS) is pleased to announce the launch of the second program in its new online training series. AIS’s oncology management training program provides a cost-effective way to get up-to-speed on industry-wide efforts to improve patient outcomes while reducing the enormous financial impact of cancer therapies. Designed for sales and customer service staffs, business and clinical managers, and others who need to understand the basic concepts and strategies used today to manage oncology, AIS’s easy-to-use four-module training program offers an in-depth look at the tactics insurers, employers and government payers use to restrain costs while maintaining quality in oncology.· Training Module #1: Oncology Therapies Today and in the Pipeline: Payer Considerations— Easy-to-follow explanations of the financial and human impact of cancer on the US population, and an overview of the FDA approval process.
· Training Module #2: Next-Generation Utilization Management Strategies —Details of first-generation tactics, such as prior authorization and step therapy, and their limitations.
· Training Module #3: Genetic Testing and Personalized Medicine: Payer Perspectives —Valuable takeaways on various kinds of personalized medicine tests and how they are billed and reimbursed.
· Training Module #4: The Impact of Specialty Pharmacy on Oncology Management —Explanations of the different industry stakeholders in the specialty pharmacy space, and distribution and reimbursement of specialty drugs.

Plus, at the conclusion of each module, True-False “Knowledge Checks” permit users to assess their understanding of the subject matter.

For more information, including access to an interactive demo, visit https://aishealth.com/marketplace/oncology-management-strategies-online-training.

About AIS
Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for nearly 30 years. It develops highly targeted news, data and strategic information for managers in hospitals and health systems, health insurance companies, medical group practices, purchasers of health insurance, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, databases, websites, looseleafs, strategic reports, directories, webinars, virtual conferences and training programs. Learn more at http://AISHealth.com. Reported by PRWeb 1 hour ago.

As a Leftist, I Will Not Be Supporting Hillary Clinton for President

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Embed from Getty Images

Let's start this off very easily. I am a socialist. I am a red flag-waving, anti-capitalist Marxist. I am not a Democrat, and I am not an independent. I am a socialist. I believe the workers should own the means of production.

At the end of the day, Bernie Sanders is not "my candidate" in the sense that he is a Social Democrat, his "socialism" is really just an old-school version of the Democratic Party. His socialism is still capitalistic, and by definition is not actually socialism.

Yet, like many socialists, I chose to support him in his run for president because I knew the reality was a capitalist was going to win, but I could do my best to stop a Hillary Clinton or any GOP nominee from reaching the White House. Sanders supports many of the things I do, more than any other candidate in the history of my ability to vote, and didn't really fall into my "lesser of two evils" category. In the end, I felt the Bern and campaigned pretty strongly to put someone who wasn't a total corporate shill in office.

The American public, however, didn't seem to be on the same page and has made it very clear they prefer Hillary Clinton over Sanders. I think that sucks, but it's reality. While many Sanders supporters are not ready to admit it, the race is over. I am not alone in thinking this, even Sanders agrees. In his speech last month, after losing Pennsylvania, Delaware, Connecticut, and Maryland,  he said his campaign was shifting its focus to an "issue-oriented campaigns in the 14 contests to come."

He made it very clear he is running now to push his progressive platform. Not once did he mention that he was running to take the White House.
"The people in every state in this country should have the right to determine who they want as president and what the agenda of the Democratic Party should be. That's why we are in this race until the last vote is cast. That is why this campaign is going to the Democratic National Convention in Philadelphia with as many delegates as possible to fight for a progressive party platform that calls for a $15 an hour minimum wage, an end to our disastrous trade policies, a Medicare-for-all health care system, breaking up Wall Street financial institutions, ending fracking in our country, making public colleges and universities tuition free and passing a carbon tax so we can effectively address the planetary crisis of climate change."
So this leaves his supporters will very few choices. They can join #Movement4Bernie and urge Sanders to run as an independent, something he has made clear he won't do. They can abstain from voting or write Sanders in (the same as not voting). They can support a third-party candidate like the Green Party's Jill Stein or Socialist Party USA's Mimi Soltysik. Or, they can do what Sanders is doing and vote for Hillary Clinton.

I have made the choice to not support Hillary Clinton. The reasons I supported Sanders are not because he was a Democrat and I don't subscribe to the idea of "vote blue no matter who." The who matters to me, and the what they will do matters even more.

Clinton supports a $12 minimum wage while Sanders supports $15. Stein and Soltysik support $15 and would even tie it to cost-of-living raising it even higher in areas that need it. Soltysik even believes we should have a universal basic income. I won't support a candidate who supports a raise that leaves millions still living in poverty.

Clinton, unlike every single previously mentioned candidate does not support universal healthcare. She wants to continue building upon the Affordable Care Act, a plan that helped insure millions of Americans with health insurance they cannot afford use. She doesn't believe everyone has the immediate right to healthcare, she believes people should have to keep waiting for congress to catch up.

Clinton's plan to regulate Wall Street is weak and meaningless. Likely because they bankroll her. Her prison reform plan will ensure millions continue to be locked up for non-violent crimes because of her continued support for the war on drugs. She continues, unlike all other leftist candidates, to support the death penalty.

Lastly, for the sake of this argument, she supports violent regime change in regions the US has no right interfering and a long history of butchering deals that have led to destabilized regions, the rise of ISIS and she supports no-fly zones over parts of Syria even though experts say this will only further empower ISIS in the region. Long story short, Clinton is a hawk. She thinks war first, diplomacy second.

For all those reasons and much more, I will not be casting a ballot for Hillary Clinton in November. I will not have another war on my conscience. I will not contribute to fewer Americans having healthcare and I will not endorse someone with my vote who refused to lift the working class out of poverty.

I bent my anti-Capitalist stance to fight for some piece of meaningful change, I won't bend it to support more of the same. I will not support an oligarchy society and I will continue to fight for truly revolutionary change.

I have written countless times against the tired argument that voting outside the two party system only gives power to Republicans. It's a myth - it's not true. I don't even see it as a "protest vote" because I will be voting for the person I believe is right for the job. A vote for Clinton to stop Trump would be a protest vote against Trump, given that I don't think Clinton is the person we need.

Eugene Debs, the 20^th-century Socialist presidential candidate said, "I'd rather vote for something I want and not get it, than vote for something I don't want and get it."

As of this moment, I am a free agent, my vote is mine and I have decisions to make, but I know I will not support elitist politicians who do not care about the American people in the bottom 99 percent.

This post originally appeared on Danthropology.

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Republicans Turn God Upside Down with Their Twisted Version of Religious Liberty

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God understands the concept of religious freedom.

Republicans, on the other hand, just don't get it.

The Republican Party is seeking to enact laws all across this country permitting businesses to refuse to serve LGBT people. Approximately 200 discriminatory bills have been proposed in nearly three dozen state legislatures.

And if you happen to work for a company with pious owners, you may be out of luck. Companies owned by religious families have denied birth control coverage to women employees under the company health insurance plans.

This is all being done in the name of "religious liberty."

Republicans argue that Christian florists who are opposed to gay marriage should be able to deny service to gay couples seeking to obtain flowers for their wedding. Otherwise, devout florists would be forced to violate their own religious beliefs by condoning gay marriage merely by providing flowers.

Similarly, Republicans argue that Christian owners of companies should be able to refuse to provide birth control coverage to their female employees, otherwise, these holy owners would be forced to violate their own religious beliefs by facilitating birth control merely by providing a company health insurance plan.

This is all utterly absurd. These Republicans have taken the concept of "religious liberty" and turned it on its head.

The "liberty" part in "religious liberty" is not intended to empower the believers of a dominant religion, such as, say, Christianity, to give them the "liberty" to impose their beliefs upon everyone else. No. This is a perversion of the term "religious liberty."

Instead, the "liberty" part is intended to protect minority NON-believers to ensure that they have the liberty to maintain their own independent beliefs without suffering any disadvantages imposed upon them by the dominant believers.

So when Republicans start talking about "religious liberty," just keep your wits about you so you don't get turned around and fall prey to the old intellectual switcharoo.

One case in point is Indiana Governor Mike Pence. Donald Trump recently met with Gov. Pence and called him "terrific," and Gov. Pence has now endorsed Donald Trump for president. Gov. Pence signed a discriminatory religious liberty law in Indiana that unleashed an avalanche of national outrage that forced him to change the law only a week later.

Another example is North Carolina Governor Pat McCrory. He signed a religious freedom law that bans cities from being able to enact local non-discrimination ordinances to prevent discrimination against gay people. This caused another public outcry, including demonstrations, boycotts, and rock stars cancelling their North Carolina concerts in protest, including Bruce Springsteen, Ringo Starr, and Perl Jam. It even resulted in the U.S. Justice Department declaring the law illegal and demanding that North Carolina repeal the law. But the North Carolina Republicans do not care. They remain obstinate and continue to defy the request from the Justice Department.

Many prominent Republicans have voiced support for these laws, including Jeb Bush, Ted Cruz, Marco Rubio, Ben Carson, and the entire Republican National Committee.

To keep your wits about you, just keep in mind our nation's history because our country was founded upon the accurate version of "religious liberty." Just think of the Pilgrims who sailed on the Mayflower ship in 1620 from Plymouth, England across the Atlantic Ocean and landed at Plymouth Rock in Plymouth, Massachusetts. These were the folks who put on the first Thanksgiving celebration in 1621 and began the festive tradition that we enjoy to this day.

Religious liberty was the reason the Pilgrims left England for America. They were "separatists" in that their religion did not conform with the official Church of England, and they suffered persecution and discrimination as a result of their religious beliefs. So they came to America where they could be free to practice their own religion without enduring prejudice.

Religious liberty, in fact, was the reason that many people came to America. Pennsylvania and Rhode Island were safe havens for persecuted Quakers. Maryland was a refuge for Catholics. The early American colonies welcomed all sorts, including Dutch Calvinists, English Puritans, English Catholics, Scottish Presbyterians, French Huguenots, German and Swedish Lutherans, as well as Mennonites, Jews, and Amish from various European countries.

Religious liberty was crucial to our towering founding father, Thomas Jefferson. He was adamant about maintaining a strong separation between church and state to prevent government from favoring any particular religion so that every citizen would feel equally welcome in society regardless of their religious beliefs. This principle is now enshrined in the First Amendment of our Constitution.

Today, the United States has grown to become the most religiously diverse nation in the world with over 2,000 distinct religious groups.

But the Republican Party is seeking to take us backward with these laws that favor the dominant Christian religion and impose hardships upon people who happen to have different beliefs. This directly violates our nation's fundamental principle of freedom of religion.

Republicans say that Christianity is under attack and needs to be protected. This is utter nonsense. A recent ABC News poll found that 83% of Americans identify as Christians. If anyone needs protection it would not be the 83% majority.

And Christians are hardly under attack here. No one is taking away their rights. No one is seeking to force them to be gay themselves, or to force birth control upon them. No. They are perfectly free to hold their own religious beliefs and live their lives accordingly.

For religious liberty to work, of course, it must be a two-way street and apply to everyone equally. If Christians are permitted to freely hold their beliefs, then Christians must reciprocate and allow non-Christians to freely hold their own beliefs.

If someone believes that being gay is fine under their own religion, then let them hold these beliefs. If someone else believes that birth control is fine under their own religion, let them hold these beliefs as well. There is no justification for discriminating against people who happen to hold differing beliefs by not serving them as customers.

Allowing businesses to refuse to serve customers based upon religious beliefs is a horrendous pathway to slide down and we must resist this as a society.

Denying service to people would lead to all sorts of division, antagonism, and conflict throughout our entire society. If various people were not welcome at various businesses, not only would this divide people physically, but it would cause people to resent each other and it would breed an environment of hostility. Shockingly, this would take us back to the dark days of discrimination when black people could not sit at lunch counters in diners or ride in the front of buses. This would be disastrous.

A healthy society does not seek to turn people against each other, but instead seeks to promote harmony and cooperation among its population.

But perhaps the most obvious reason against this course of conduct comes down to simple common sense. Just imagine how this would play out in practice.

People would not know whether to enter a store or a restaurant because they would not know whether they might be denied service based upon their religious beliefs. Maybe businesses should post helpful signs. "No Jews allowed.""No gays allowed."

And when a customer walks into a store or a restaurant, how would the employees know what beliefs they hold? Hm. Well, of course they'll need to find out before they can serve these people. God forbid a non-believer should be served a slice of pizza. But how? Hm.

Well, we'll need another "religious liberty" law that permits businesses to interrogate customers, and another one that requires customers to answer all the questions truthfully.

Good afternoon Mr. & Mrs. Customer. Are you gay? Oh thank goodness. Do you believe in God? Which God? Did you attend church this past Sunday? Have either of you ever committed adultery? When you have sexual intercourse with each other, do you use birth control? Madam, have you ever had an abortion? Do you as a couple engage in any sexual activity that would be regarded as deviant?

Oh, I'm sorry, we don't serve your kind.

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(A version of this article appears on Salon.)

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Bad Faith or Bad Principle? On Chief Justice Roberts, the Affordable Care Act and Judicial Restraint

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Was Chief Justice John Roberts' unconvincing opinion affirming the constitutionality of the Affordable Care Act's individual mandate driven by bad faith? Or was it instead grounded in a coherent but incorrect conception of judicial duty? Over at the Volokh Conspiracy, Professor Orin Kerr charges that Professor Randy Barnett and Ilya Shapiro have wrongly painted Roberts' opinion for the Court in NFIB v. Sebelius (2012) as a "fundamentally deceitful" opinion rather than the opinion of a judge who is "honest to the law and his judicial oath."

Kerr casts Barnett and Shapiro's arguments as instances of a profoundly troubling dynamic which Kerr terms "the politics of delegitimization"--a dynamic that is convulsing American political life. Increasingly, Kerr observes, "[P]eople who are barriers to good results . . . aren't described as simply disagreeing in good faith . . . [T]hey are illegitimate. They are acting in bad faith. Their motives are corrupt."

Kerr's analysis of the politics of delegitimization is vivid and persuasive. But Barnett and Shapiro are not part of the problem that he has identified. Barnett and Shapiro do not criticize Roberts for any corrupt motives but for his reliance upon a deeply flawed conception of judicial duty--one which rests upon a majoritarian theory of our constitutional order and which counsels broad judicial deference (or "judicial restraint") when democratic enactments are challenged in court. It is thus majoritarianism and judicial restraint that are the true objects of Barnett and Shapiro's criticisms--and rightly so. Our constitutional order is not fundamentally majoritarian and judicial restraint is both incompatible with judges' Article III duties and incapable of delivering constitutionally limited government.

The section of Roberts' NFIB opinion in which he determined that the ACA's individual mandate was authorized by Congress's power "[t]o lay and collect Taxes" is labored and unpersuasive. As Professor Robert G. Natelson has shown, the word "tax" in the Constitution refers to a particular kind of thing with a particular function--a financial charge imposed primarily to raise revenue, not to serve regulatory purposes. The ACA's individual mandate was plainly designed for regulatory purposes--to coerce people into buying health insurance. That is why the ACA refers to the mandate as a "penalty" some 18 times. In his NFIB opinion, Roberts acknowledged that construing the mandate as a tax was not the "most natural interpretation of the mandate." Nonetheless, he considered himself duty-bound to adopt any "fairly possible" interpretation that would "save [the] statute from unconstitutionality" and he determined that such a saving construction could be adopted.

It is not hard at all to understand why Roberts took this approach. "Judicial restraint" has been a conservative mantra for decades. Roberts' own elevation to the Court cannot be understood except in connection with a conservative legal movement that touted judicial restraint as the supreme judicial virtue. Roberts dutifully recited the tenets of restraint at his confirmation hearing, emphasizing his "humility," his "modesty," and his unwillingness to second-guess legislators. Restraint is a dominant theme of not only Roberts' judicial opinions but of his occasional extrajudicial commentary on the constitutional role of the Court and the judiciary more generally.

It would thus be a mistake to charge Roberts with acting in an unprincipled manner, and neither Shapiro nor Barnett do so. Shapiro argues that Roberts acted "out of a misbegotten devotion to judicial restraint." Barnett emphasizes that Roberts was not taking an "unprincipled position" but, rather, drawing upon a principle that has long been part of American political life and has informed judges' conception of their duty. The principle, as articulated by Roberts in NFIB: "It is not [the Court's] job to protect the people from the consequences of their political choices." This principle is rooted in a majoritarian conception of government--it holds that judicial nullification of the people's "political choices" is presumptively illegitimate.

The majoritarian principle upon which Roberts relied is a principle. It is also a very bad principle--a principle that is profoundly hostile to the rule of law established by our Constitution. Ours is a republican Constitution--it establishes a system of representative government that is designed to protect individual rights. To secure our rights, "We the People" delegate limited powers to our agents in government to act on our behalf. One of the principal mechanisms through which the Constitution ensures that our agents in the legislative and executive branches of government do not betray the public's trust is an independent system of federal courts, staffed by judges who are duty-bound to give effect to the law of the land. In performing their duty, judges give effect to the only "political choices" that should be dispositive in constitutional cases--those which are concretized in the Constitution.

Judges who draw their power from Article III have a duty to exercise independent judgment in interpreting the meaning of the Constitution and the meaning of subordinate enactments. They also have a duty to be impartial in adjudicating disputes. Discharging these duties in cases involving challenges to government actions requires consistent judicial engagement--a genuine effort to determine the legality of the government's true ends and the means chosen to advance them, grounded in admissible evidence, without deference to the beliefs or desires of government officials.

At present, the Supreme Court's jurisprudence requires judges to abdicate their duties of independent judgment and impartiality in many areas of our law. Judicial abdication, in the form of the so-called "rational-basis test," is the rule in cases involving patently protectionist licensing schemes that thwart countless' Americans entrepreneurial pursuits. Judicial abdication, in the form of "Chevron deference," is the rule in cases involving challenges to sweeping power claims by federal agencies that are grounded in those agencies' interpretations of broadly-worded federal statutes. Judicial abdication, in the form of "Auer deference," is the rule in cases involving challenges to agencies' interpretations of regulations that the agencies themselves issue. In all of these settings, judges systematically and broadly defer to the will of the most powerful of parties: the government. In all of these settings, individuals often have no meaningful legal recourse when confronted with assertions of government power.

Thus, rather than focusing on Roberts personally, supporters of limited government should be focusing on the malign majoritarian principle behind his decision--the principle to which Barnett and Shapiro direct our attention. Further, they should seek an alternative to judicial restraint--a judicial approach that is consistent with judges' Article III duties and equips judges to enforce the Constitution's limits on government power. In judicial engagement, they have such an alternative. So long as judicial restraint is preached and practiced, we can expect the rule of law to continue to give way to the will of men.For more constitutional commentary, tune into the Institute for Justice's Short Circuit podcast, presented by IJ's Center for Judicial Engagement.

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Canada Looks to Legalize Physician-assisted Suicide: Should the U.S. Follow Suit?

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Earlier in April, the government of Canadian Prime Minister Justin Trudeau introduced legislation to legalize physician-assisted suicide for Canadian citizens. The momentum for such a law has been building since the fall, when the Supreme Court of Canada unanimously struck down a criminal ban on the practice. With the Liberal Party's control of Canada's Congress, the House of Commons, the bill is expected to pass in the next few months. Given the geographic and ideological similarities between Canada and the US, is it time for the US to implement a similar law?

The history of physician-assisted suicide -- also known as "right to die" or "death with dignity" -- laws in the US has been long and controversial. In Massachusetts, our home state, such laws have been proposed six times over the last twenty years but failed -- sometimes narrowly -- each time. Currently, assisted suicide is legal in only California, Oregon, Washington, Montana, and Vermont, although courts in several more states have protected the rights of patients to end their own lives.

The question over whether an individual has the right to end their own life with the assistance of a medical professional has long been a complicated one. It draws on debates regarding medical ethics, patient autonomy, the value of human life, issues of societal inequality and mental illness, the professional responsibilities of doctors, and the (im)morality of suicide and murder. Many organized religions formally oppose assisted suicide because it violates their reverence for human life. A few days ago, Pope Francis called assisted suicide "a serious threat to families worldwide." Additionally, some physicians also oppose these laws because of the Hippocratic Oath's provision that physicians will 'first, do no harm'.

In countries like Belgium, the Netherlands, Switzerland, and Germany where assisted suicide is legal, the practice is heavily regulated. The Canadian bill follows suit: Trudeau's legislation states that only Canadian residents with "serious and incurable illnesses" who have endured "physical or psychological suffering" will be eligible to qualify to receive the treatment. In Canada, an individual does not need to have a terminal illness to request a life-ending dose of legal medication, but Trudeau's bill states at least two doctors must independently verify that "natural death has become foreseeable" based on the individual's medical circumstances. One situation where death is foreseeable but not inevitable could involve immune system deficiencies that leave the individual susceptible to lethal infections.

The proposed Canadian law will also deter medical tourism by limiting the practice to those on Canadian health insurance, permanent residents, or citizens, ensuring Americans are excluded. In addition, the law will exclude patients with mental illness. Canadians will not be able to request permission to end their life in advance, but only when they are terminally ill.

These measures will hopefully ensure that people die with dignity and autonomy, and also regulate a common, under-the-table practice. Seventy-seven percent of Canadians support assisted suicide compared to 68 percent in the U.S., a number that is expected to rise. Despite majority support, assisted suicide is contentious in the U.S.

If Canada does pass the law, the U.S. is also likely to consider legalizing assisted suicide. Yet, there are significant barriers to this decision.

On one hand, legalization of assisted suicide could lead to what Will Johnson, president of Canadian Physicians for Life, calls "an unconscionable amount of chaos" in the health care system. Self-interested doctors or family members could abuse the system by encouraging non-critical patients to pursue the option, or arbitrarily label some as incompetent in order to open the option. Some doctors believe that it may undermine the ethics of their practice. Physicians are expected to do no harm, and in Massachusetts, medical practitioners lobbied against legalization because of this cognitive dissonance between saving lives and ending one out of suffering. Many religious groups also oppose intentional killing, further complicating the ethics of the practice. Meanwhile, some fear that the choice could compel insurance companies and governments to influence doctors to not maximize efforts to save a patient's life. A premature death could also preclude miracle recoveries.

On the other hand, there are also significant benefits -- enough to compel several countries to legalize it. First, it gives the patient a choice in the face of insufferable pain and agony to preserve their dignity. Patients will be able to choose to end their lives before their lifestyle dramatically and painfully deteriorates. The choice also affirms a fundamental freedom to decide one's fate. With aging populations, health care costs can be reduced, lessening the burden on the health care system. Moreover, legalizing assisted suicide would allow for full regulation of existing back-room practices to prevent abuse and allow patients to make informed decisions.

While many fear that assisted suicide will be abused, the U.S. could follow Canada's lead in carefully regulating a choice to preserve the dignity and autonomy of loved ones.

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Wearable Devices, Insurance and You

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Wearable technology has become an increasingly popular trend over the past few years, providing consumers the chance to live happier, healthier and more convenient lives. These technologies are becoming so popular that the global wearable market is expected to grow to $34 billion by 2020.

So as wearable technology continues to expand, how can you adequately protect yourself?

Below, I discuss how wearable devices and monitoring technology impacts consumers, as well as future insurance implications stemming from the information consumers provide.

*How Technology Magnifies Personal Privacy and Data Risks
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*Twenty percent of Americans own at least one wearable device.
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As "smart" technology continues to evolve, the capacity to host valuable (yet personal) information becomes endless. From exercise and health habits, to credit card and email information, wearable technology has the potential to host it all.

Advancements in the capability to store information increases the risk consumers face for data breaches of their privacy and personal data. For example, if a hacker gains access to an individual's wearable fitness band, they can track their victim's every move. Hackers can obtain valuable insight from where someone lives to their everyday morning routine.

Before purchasing the latest and greatest in wearable technology, consider the associated risks and how to effectively protect yourself. Consumers must evaluate their level of, and tolerance for, risk with their insurer to receive comprehensive consultation and coverage, should they experience some form of data breach.

*Insurance Implications of the Future
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The insurance industry will need to stay up-to-date with wearable device trends, shifting the way they create products and pricing structures, and how they are applied to an individual's insurance programs. New tech opens up a window of opportunity and considerations to evaluate the future of insurance and technology--some good, and some bad.

What's more, wearable tech offers insurers the chance to create add-value services through new products. Products like Google Glass and Progressive Snapshot can provide insurance agents with more information, should a driver be involved in an accident, allowing for immediate assistance and better assessment of damages.

Wearable health and fitness technology, such as Fitbit and Apple Watch, also provides us with an opportunity to give the insurance industry enhanced insight on a policyholder's wellbeing. Insurers can better assess and evolve policies based on their client's health insurance needs when they have access to more detailed information during the evaluation process.

Although there is much potential to enhance the insurance industry, there are some new exposures that should be considered.

One area for opportunity is the need for insurance protection, should wearable technology be compromised and leave the consumer exposed to risk. The insurance industry will need to develop solutions that help protect individuals, and determine policyholders' risks based on the type of information devices are storing and how vulnerable they may become if this data is obtained.

Other critical factors are health and safety risks associated with the actual devices. Although many wearable devices promote a safer, healthier and happier lifestyle, some may cause risks--such as dizziness and distracted driving--thus increasing a consumer's liabilities and vulnerabilities.

Technology can be a great addition to an individual's life, but only if the proper precautions and protection are appropriately associated with them. Learn how you can protect yourself as technology rapidly advances by downloading a free copy of INGUARD's latest ebook, "Smart Homes, Smarter Insurance."

Click here to download your free copy.Note: A version of this article appeared on www.INGUARD.com.

Image Credit: fancycrave1 via Pixabay

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Switch from federal health insurance platform would cost Oregon more

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It would cost about 10 percent more a year to switch to a new, state-based platform for Oregon’s health exchange, rather than sticking with the federal technology. So says Oregon's Department of Consumer & Business Services, in a new analysis, projects the change would cost about $3 million more a year, or, to be exact, $34 million. The Health Insurance Marketplace Advisory Committee, meeting in Pendleton today, considered DCBS’ findings about the relative cost and other risks connected to… Reported by bizjournals 23 hours ago.

Why Everybody Can't Start And Own A Successful Startup

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The stakes are high.

The media and the world have always celebrated the next Wunderkind, the next "revolutionary" business, the next Google.

It seems sometimes that everybody has eaten the entrepreneurial bug or at least no longer find the employee 'steaks' palatable.

I am going to be the voice crying in the wilderness saying that not everybody can or should start a business. At least, don't go quitting your job anytime soon.

Here are 5 reasons for my stance:

*1. Jobs still exist.*

Haven't you wondered why with all the entrepreneurial and 'start your business' Kool-Aid, jobs still exist?

The answer is simple. Jobs still exist because people need jobs.

In these days of jumping on the media bandwagon, it is the rare individual that tells himself the truth and can recognize his own strengths and weaknesses.

Not everybody is suited to start a business. The stakes are too high and the commitment too great to make the decision on a whim. Be sure you have counted the cost and you are aware of the sacrifices starting a business will require.

If you have done all these and find that it will be a sacrifice with uncertain benefits, find a good job that pays the bills and leaves you extra time to dabble in your hobbies and interests.

*2. Financial Insecurity.*

One of our chief needs in life is security - especially financial security.

When you are above 21 years old, you are practically an adult in all sense of the word. You have to get an apartment (unless you want to live in your parents' basement). You need to pay the bills and do a lot of adult activities which cost money.

Delaying the process to start your unproven business is only prolonging adolescence and you wake up at age 30 to find that many of your peers are securely in their well-paid jobs with substantial health insurance, married with 2 - 4 kids and have their first mortgage while you were starting the second Facebook.

One consequence of starting a business is that your income for some time will be unstable. As a small business owner, you are concerned with getting new clients, making sure you get paid and retaining enough customers to ensure cash flow for next month.

This is a lot of commitment and uncertainty that many business blogs and Harvard Business Review don't tell you about.

A job, in contrast, gives you financial security; a leverage your small business counterpart can only dream of. According to the guide on Wage Advocates, the minimum wages and overtime pay have continued to be raised in many states to ginger more people to work.

That said, if you don't have the stomach to become the next Bill Gates, then stick to getting a job.

*3. Loss of a social life.*

A business, especially in its early stages, requires a tremendous amount of obsession and commitment if the business is to ever take off.

In that time, you would be cut off from your family and your friends. Your social life would be as barren as Mars with only your customers for company.

A job, on the other hand, provides you with just enough social interaction to keep you stimulated. You learn important social behavior and you live as nature intended- in a community and not in isolation.

Also, you have the choice to retreat into your cubicle if you've had enough social stimulation to the admiration of your boss. It's a win-win all around.

You don't want to become the proverbial 40-year old entrepreneur with no friends, no family, and the only people who call him on his birthday are his suppliers.

The millions you make in your business can never replace the warm and loving relationships with friends and family.

No one on his deathbed wished he had spent more time at the office. So if you know you aren't cut out for entrepreneurship, get a job.

*4. It requires a large time commitment.*

As I've reiterated in my previous point, starting and growing a business requires a large time commitment and investment with no guarantee of results or reward.

A better investment of your time would be to get a great, well-paying job, save part of your income, invest in passive investments, and live a full life involving all of your hobbies and interests.

The process of getting a job has been tried and tested and works all the time whether in China or Turkmenistan.

Starting a business is uncertain and essentially breaking new grounds. If you can't stand the wait of being an entrepreneur, you can get a job instead.

*5. You could fail.*

After all your hard work and effort, you could still fail.

According to Forbes, 90% of startups fail in their first year and less than 60% of businesses pass the 5-year mark.

In the end, not everybody can or should start their own business. Some people are not suited to the roller-coaster ride of entrepreneurship. A better use of their time, talents and energy would be to find a company that appreciates their skills well enough to compensate them generously.

So if you think you can't start the next Microsoft, then there's no harm in getting a good job and being happy in it.

*Credit Image: * HollaBirdSports, YoungInnovator

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The Unbearable Lightness of Union Endorsements

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Norman Mailer once pointed out something that was already painfully obvious to most people. He said that no politician (and he included himself in that general category when he ran for mayor of New York City, in 1969) is going to utter a single word that he or she isn't convinced will attract votes. It's axiomatic. No aspiring office seeker is going to intentionally say something that will lose them votes.

So when Donald Trump said that he favored single-payer health insurance, that he disapproved of the Supreme Court's "Citizens United" ruling, that he abhors our recent trade agreements, that he was opposed to the Iraq War, and that he favors raising taxes on the wealthy, we can assume he isn't channeling Noam Chomsky so much as he's talking out of his butt, trolling for votes.

And he is doing the exact same thing when he vows to build a wall between the U.S. and Mexico, when he suggests we should segregate or quarantine Muslims, and when he promises to "fix" the Chinese (Huh?) Although he is aiming those statements at an entirely different demographic, they were nonetheless designed to attract votes, just as every other comment was.

But if political speeches are no more credible than TV commercials for laundry detergent--indeed, if talk is cheap, and highfalutin, idealistic platitudes are even cheaper--then what are we pilgrims supposed to use as a basis for voting for a candidate?

Basically, all we have to go on is a candidate's history. A candidate's character, deeds, and voting record. Which was the basis of my voting for Ralph Nader, in 2000. It wasn't Nader's rhetoric that swayed me (he promised to repeal the Taft-Hartley Act, which, as tantalizing as it sounded, was pie-in-the-sky bullshit), and it wasn't his record as a public servant because he never held office. Rather, it was Nader's sterling character and life-long philosophy.

Which, tangentially, seems to be why Hillary Clinton remains unpopular with some hardcore Democrats. Unfortunately, her personal history seems to indicated that she is predisposed to military action, and way too accommodating to Wall Street. Speeches won't help her. Compared to the currency of past deeds and actions, "pretty words" are worthless.

Yet one can argue that there is something even "less meaningful" than political rhetoric, and that is endorsements by labor unions. Which is to say, if Bernie Sanders honestly believed that gaining support of the CWA's (Communication Workers of America) executive board was going to result in hundreds of thousands of CWA union members voting for him, he was deluding himself.

Union endorsements carry about as much weight as being someone's "friend" on Facebook. People who dig Hillary will continue to dig her even if she crosses some horrid imaginary line, and conversely, people who despise her will continue to despise her even if she appeared to undergo a genuine epiphany. As for organized labor's "seal of approval," forget about it. It's not going to matter.

As for Clinton's stable of unions, she has lined up an impressive array of big-time players, including the SEIU, AFSCME, the ILA, both national teachers groups (NEA and AFT), along with dozens of others. While Bernie was able to nab the CWA, as well as postal workers, transit workers, nurses, and west coast longshoremen (ILWU), he didn't come close to matching Hillary.

Still, none of this is going to matter because very few working men and women are going to vote for a candidate simply because their parent union tells them to. People are simply too ornery and independent to do what their nominal "leaders" tell them to do, which, in truth, is fairly commendable.

And of course, we're talking solely of Democrats here, as precious few Republican presidential candidates have gotten union support. The Teamsters disgraced themselves by endorsing Nixon in 1972, and Ronald Reagan in 1980. Oddly, Donald Trump has actually gotten a union endorsement. Can anyone guess? It's the National Border Patrol union. How sweet is that?

-- 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 19 hours ago.
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