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Newman-Dailey Resort Properties Makes Top 100 Best Companies in Florida List

August 5, 2016, 8:50 am
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Newman-Dailey, which specializes in Destin real estate, vacation rentals and property management in Destin and association management throughout the Emerald Coast, ranked 31 among small businesses in the state of Florida

Destin, Fla. (PRWEB) August 05, 2016

Newman-Dailey Resort Properties was recently named one of the Best Companies To Work For in Florida. The annual Best Companies list is featured in the August issue of Florida Trend magazine. One-hundred companies are ranked in small, medium and large employer categories. Newman-Dailey, which specializes in Destin real estate, Destin property management and vacation rentals, and association management, ranked 31 in the small business category.

“We’re honored to be recognized by Florida Trend as one of the best places to work,” said Newman-Dailey Founder and CEO Jeanne Dailey. “When I founded this company in 1985, the goal was to create a company that values its employees, provides exceptional service and upholds the highest ethical practices. Now during our 31st year in business, Newman-Dailey ranked 31 among the best small businesses in the state. It is so rewarding to have a team that helped build this with me, and has shaped our corporate culture, creating a company that is among the best in the state!”

To participate, companies or government entities had to employ at least 15 workers in Florida and have been in operation at least one year. Companies that chose to participate underwent an evaluation of their workplace policies, practices, philosophy, systems and demographics. The process also included a survey to measure employee satisfaction. The combined scores determined the top companies and the final ranking.

"The Best Companies find ways to make the workplace an easy place to be — at least one in five of this year's best companies has a game room or game table. Those companies understand the value of using games to build relationships among their employees, and also in promoting wellness. In addition, those gaming tables reflect another trend: Employers are investing in their office space," says Executive Editor Mark Howard.

"Top companies provide excellent pay, health insurance, 401k plans, and other "hard" benefits, but they also offer the leadership and communications that encourage employees to participate in the organization's overall success," says Florida Trend Publisher Andy Corty. "And to that long list, enjoyment options such as table tennis or other games bring energy to the enterprise."

The Best Companies To Work For In Florida program was created by Florida Trend and Best Companies Group and is endorsed by the HR Florida State Council. Best Companies Group managed the registration, survey and analysis and determined the final rankings.

Located in Miramar Beach, Fla., Newman-Dailey Resort Properties (NDRP) is one of the leading vacation rental, real estate sales and association management companies in the Destin area. Visit DestinVacation.com to learn more.

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About Newman-Dailey Resort Properties
Founded in 1985, Newman-Dailey has been welcoming guests to the beaches of South Walton and Destin, Fla. for more than 30 years. Recognized for excellence, integrity and professionalism, Newman-Dailey consistently receives the "Certificate of Excellence" for positive reviews on TripAdvisor. The company was awarded the Better Business Bureau Torch Award for Marketplace Ethics in 2015 and voted “Best of the Emerald Coast” for vacation rentals and property management by the readers of Emerald Coast Magazine. The Real Estate Division is consistently listed among the top 10 percent of real estate companies along the Emerald Coast for sales. For more sales or rental information, call 850.837.1071, or visit online at DestinSales.com or DestinVacation.com. Reported by PRWeb 9 hours ago.
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Alternative Lenders Offer Opportunity For Consumers and Businesses Alike

August 5, 2016, 9:37 am
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The Consumer Financial Protection Bureau's (CFPB) proposed rule on short term credit unveiled last month has spurred much debate. While the Bureau says it wants to protect consumers, I'm concerned that the rule will have the exact opposite impact, eliminating credit for millions of Americans and making many worse off. What's more, minority communities who are unbanked or underbanked will be disproportionally impacted.

Nearly half of Americans do not live with the financial security that has become a major part of our definition of the American dream. Last year, the Federal Reserve found that 47 percent of American households could not cover a $400 emergency expense, or they would have to sell something or borrow the money to pay for it. That is a significant level of financial insecurity and portrays the need for Americans to have the ability to access credit in an emergency.
Beyond providing a safety net for individuals and households, accessing capital also plays a fundamental role for the millions of American Dreams invested in small businesses that lead our economic recovery by creating jobs. Without access to capital, American entrepreneurialism is stifled and the country cannot continue to recover from the depths of the Great Recession. The CFPB's arbitrary rule ignores the needs of consumers, reduces access to credit for millions and harms small businesses and the millions they employ.

In drafting this rule, the CFPB has overlooked the disproportionate impact that the economic downturn has had on Hispanic households. A key driver helping these households to recover fully and improve their financial well-being are the millions of Hispanic-owned businesses who are also contributing to our national recovery by creating jobs right here in the United States. My organization, the United States Hispanic Chamber of Commerce (USHCC), represents the interests of an estimated 4.1 million Hispanic-owned businesses across the country, which create jobs and contribute in excess of $661 billion to the American economy. The issue of accessing capital is especially important to our members. Unfortunately, this proposed rule makes that more difficult and will negatively impact Hispanic households and businesses. Frankly, this rule, in limiting an important credit option, seems downright disrespectful to them and their efforts to improve the American economy.

While the CFPB may believe it is protecting consumers, in fact, it is acting without a full understanding of what payday loan customers value. Survey research has shown significant differences in opinions of those who have used payday loans compared to voters who have never used the product. Despite what the CFPB claims, the people who have used payday loans in the past are much more favorable toward these products than those who do not have the same personal experience. According to the research, most payday borrowers believe that payday loans can be a sensible choice, appreciate the option it provides, think that they are fairly priced and fully understand the loan terms.

Acting without the full understanding of consumers' financial situations has led the CFPB to propose a rule that will harm the millions of consumers who use payday and other short-term loans responsibly to manage unexpected and periodic financial difficulties. By limiting access to credit, many would be unable to stave off financial emergencies or shortfalls and be forced into costly, less regulated options such as overdraft fees or late payments.

The proposed rule sets requirements that no small businessperson in the business of short-term lending can meet. According to the bureau's own estimates when it announced its rule concepts last year, 84 percent of payday loan volume was going to be eliminated, resulting in a 66 percent reduction in the number of storefronts. These small businesses would be driven from business by overbearing government regulations. In many cases, these are among the only financial services businesses in their communities and they serve a critical role for their employees and customers. Should they close, they would leave tens of thousands of employees without paychecks or health insurance, and leave communities with no source of short-term credit.

In fact, a large portion of small-dollar loans are used to pay bills at small businesses, and money spent at these businesses stays within the communities, boosting local economies. Access to credit drives consumer spending, and is absolutely essential to USHCC members and their businesses. Hispanic consumers and businesses have been significantly impacted by the tightening of credit in recent years.

In my view, the CFPB has not sufficiently balanced access to credit with consumer protection in these proposed rules. Eliminating access to credit for millions of Americans - for many their only option when an unexpected expense arises - will do significant harm to the financial lives of consumers who already have too few options. I can understand government policymakers may not have a sufficient understanding of daily realities for the financially insecure; I cannot understand their failure to research and thoroughly understand those realities before proposing rules, as they appear to have done for short-term lending.

-- 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 9 hours ago.
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Love, Drugs and Crime in America's Heartland

August 5, 2016, 9:45 am
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America is currently in the grips of a vicious opioid crisis that is ripping small towns across this country to shreds. From petty crime to drug addiction to HIV and even murder, the stakes are being raised to a new all-time high, as seemingly everyday we witness another tragedy on the news. As the epidemic escalates and the situations in rural communities deteriorate we are left wondering what went wrong. From Oxycontin and Big Pharma to a glut of pain mills with quack doctors prescribing Oxy's like crazy to the Mexican cartels shipping in black tar heroin by the tonnage, we are at a place where we lack understanding on how we got to where we are. But writers like Jesse Donaldson aim to give us some clarification.

In his debut novel, The More They Disappear, Donaldson writes a tale that seems stolen from our national headlines. He tackles the Oxycontin crisis and looks back at how it started in the mid-90s. The More They Disappear takes us to the front lines of the battle against small-town drug abuse in an unnerving tale of addiction, loss, and the battle to overcome the darkest parts of ourselves. I sat down with the Kentucky native to find out why he wrote this book, what he was trying to express and his thoughts on the opioid epidemic that seemingly has our nation in a chokehold.

*What does the title of your book allude to?*
There's a specific scene the title is drawn from. Harlan, the sheriff at the heart of the novel, is looking out over the Ohio River and thinking about how a river is made. His first answer involves geology: porous rock meet rain. The more it rains, the more the rock disappears. But more than that, I think the moment is a nod to how slowly change comes to forgotten towns and the people who live there. My characters are each, in some way, trying to disappear. Some try to run away, some turn to drugs, some try to reinvent themselves, but the more they work to disappear, the more they are flung back into the circumstances they came from.*Why do they call Oxy's "Hillbilly Heroin"?*
Because people are smug assholes. And I suppose because there are a whole boatload of misconceptions about the region where "hillbillies" reside. I wrote this book to combat some of those misconceptions. Oxy played second fiddle to methamphetamine in the national media, but I think people took their stereotypes of meth and laid them over Oxy. This allowed drug companies and doctors running pill mills and all sorts of powerful, rich people off the hook. Oxy doesn't discriminate by class. And neither does addiction. I wanted my book to be to be about more than just the most downtrodden folks in the most depressed communities.

*Why do you feel the need to bring attention to opioid addiction and crime with your novel?*
While I was writing the book, the national media was focused on telling the story of methamphetamine. Exploding meth labs have a sort of cache about them. Or the burnt of effigies of them make a good photo. And don't get me wrong, that's a story that needed to be told. There's a great book, Methland, by Nick Reding that chronicles the meth epidemic. Opiates weren't being talked about in the same way, even though abuse was rampant. But the story of Oxy is harder story to tell because it involved the FDA and doctors and marketing campaigns and chronic pain patients and bored kids in dwindling towns or suburbs. There's a great nonfiction book, Dreamland, by Sam Quinones that does tell some of that story on its way to examining America's current heroin problem.

*How do these small towns in Kentucky deal with addiction and drugs?*
I don't know if there's a blanket answer. As part of Appalachia, Kentucky was ground zero for Oxy abuse. When the state passed its first prescription pill regulations, counties that bordered other states remained problematic. And there was Florida. Entire busloads of Kentuckians would go down to Florida and stock up on pain pills from crooked doctors. It was like some sort of fucked up Merry-Pill-Prankster-Spring-Break-vacationland-tour.
The truth is small towns lack the resources to properly deal with opiate addiction. There aren't enough methadone clinics or enough doctors to prescribe Suboxone. And even if there were resources for all addicts to receive opiate replacement therapy, health insurance doesn't often cover counseling and other rehabilitation measures necessary for truly effective treatment. And this is just scratching the surface.

*Do you have any personal experience with addiction and how do you write about or reach those darkest parts of your characters?*
The More They Disappear is certainly a work of fiction, but I have some experience with pills, booze, and bad decisions. I've made a few rather half-hearted attempts at getting sober in my life, though I don't intend to fill this space with the stories I told during my short stint in AA. Mary Jane, the teenage addict in the novel, visits much darker places than I have ever been personally, but I like to think I understand why she would want to explore those dark regions of herself. I understand self-destructive behavior: have romanticized it, regretted it, ultimately worked towards achieving moderation in my own life.

Some people who've read the novel tell me my characters are unsympathetic. Mary Jane especially. This bothers me. I love these characters. Even as I plunged them into the depths, I rooted for them. Besides, "liking" them or "not liking" them misses the point. Most of us have put ourselves into a dangerous situation at some point in life--imbibed too much, one-eyed it home, woken up without recollection--and under different circumstances our lives could have been upended. That calls for compassion, not judgment. Mary Jane's addictions ruin her life. This is tragic. I wish I could have written her a different outcome. I even tried. But it didn't ring true. Oscar Wilde said something like, "We're all our own devil, and we make this world our hell." That, unfortunately, does ring true.*What does the experience of Harlan, as he uncovers corruption and drug use, represent in your opinion? Is this commonplace with law enforcement in Kentucky?*
Harlan learns that he'd rather rehabilitate than punish. Sometimes when people ask what the book is about, I say, "It about whether or not a person can make a truly moral decision." Harlan is put in a situation where it's his job to place criminals--no matter the circumstances--behind bars. But maybe he believes the circumstances matter. I can't speak for law enforcement. I interviewed a couple sheriffs when writing the book to get perspective on the challenges that face law enforcement.

*How has the drug war affected Kentucky and where you are from?*
Thrown too many people in jail. Too many ruined lives. In the eighties and nineties, federal and state officials were flying helicopters all over Kentucky to snuff out illegal marijuana growers. Some counties even had sheriffs flying helicopters (probably with federal grant money from the "war" on drugs). What a waste of time and resources. That language itself - drug war - is so beyond asinine that I don't even know where to begin. So let's just say I'm all for removing militaristic language from drug enforcement and not seeing drug addicts as enemy combatants.

*How does the drug world in Kentucky mesh with the culture that is already there from he trailer parks to the ATV's to the riverboat casinos to the country clubs and tobacco farms?*
I mean drug culture is part of just about any subculture. That's why The More They Disappear moves beyond the trailer parks to the country clubs. I wasn't about to pretend prescription pill abuse is just a blue-collar or lower class problem. I think of like this: selling drugs is a business. And there are businessmen and businesswomen everywhere you look. There's the college dealer doling out Adderall during finals week. The doctor who prefers cash only patients and prescribes freely. The street dealers. The CEOs with a legion of marketing teams. The insurance companies. And on. And on.

*How do you think kids and teenagers get sucked in to the drug culture and what does it do to them?*
I have a two-year-old daughter and it seems like part of her job is to push boundaries. To climb higher and risk falling. And sometimes I run to keep her from falling hard. And sometimes she manages by herself. And sometimes I don't come running or am not there and she ends up with a bruise. I hope I'm not being overly simplistic here, but part of being human is seeking new experiences. Drugs offer an experience. They are a form of exploration. And plenty of what is great about life involves exploration, involves at the very least curiosity. So I guess when kids and teenagers experiment with drugs that makes sense to me. I just think it comes with dangers as well. The same is true for adults, by the way. Some of us are predisposed to addiction. Some of us have a harder time setting boundaries. A teenage drug addict possesses a flawed logic that comes from a dangerous combination of naiveté and fuckedupedness. The characters Mark and Mary Jane from the book are my personal Bonnie and Clyde, but they'd never have gotten that far gone without Oxy.

You can order the book here.

-- 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 8 hours ago.
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Advocate Health to pay record settlement after massive data breaches

August 5, 2016, 11:55 am
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Several massive data breaches are going to cost a Downers Grove-based medical provider — the state's largest health system — a record settlement. Advocate Health Care Network has agreed to pay $5.55 million after patient data was breached in three separate incidents, violating the Health Insurance Portability and Accountability Act (HIPAA), according to the U.S. Department of Health and Human Services (HHS). It's the largest settlement in history paid by a single entity, HHS said. According… Reported by bizjournals 6 hours ago.
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Health Care Inequality On The Rise

August 5, 2016, 12:25 pm
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In health care, as in the rest of American life, the gap between rich and poor is growing. That's the take-home message from our analysis of 50 years of data on health care use and expenditures that appears in the July issue of the journal Health Affairs.

In the bad old days of the 1960s -- before Medicare and Medicaid -- the wealthy got twice as much care as the poor. But those programs changed things. By 1977, the poor were getting 14 percent more care than the wealthy -- an appropriate difference since the poor are sicker and need more care.

The pattern changed again in 2004. Over the next eight years, use of care by the wealthiest fifth of Americans grew by 19.7 percent, outpacing growth for the middle class by 57 percent. Meanwhile, care for the poorest fifth actually fell.

By 2012 the wealthy were getting 40 percent more doctor visits than other Americans. Overall, after adjusting for differences in age and health, the wealthy got 43 percent more care than the poor -- $1,743 per person -- and left the middle class in the dust too; the latter got $1,082 less care than the rich.

*What's behind widening health care inequality?*

Ballooning copayments and deductibles are the most likely culprits.

As health care costs soared, employers shifted more and more of the burden to their workers. Over the past decade, the average deductible in employer-sponsored health plans has risen 255 percent.

Where the copay for a trip to the doctor used to be a few dollars, now it's often $50. An MRI or night in the hospital? We're talking hundreds, or even thousands of dollars out of pocket.

With incomes of the poor and middle class stagnant or worse, many Americans don't have that kind of money; half can't afford an unplanned $400 expense without borrowing money or selling off a possession. That leaves many facing a choice between debt and care. Medical bills have become collection agencies' biggest business.

Health policy wonks have applauded rising deductibles and copayments as the right way to get health care inflation under control - they call it giving patients more skin in the game.

But as doctors we've seen the human toll these policies exact: Women who waited and hoped that their breast lump would just disappear. Men with strokes because they couldn't afford high blood pressure treatment.

Obamacare offered a partial solution to health care inequity by covering about half of the uninsured. But the health law is also part of the problem. The new insurance policies demand punishing deductibles -- an average of $3,064 per person in the exchanges' silver plans, and even more, $5,765, in the bronze plans. And after paying that, patients still face steep copayments.

That kind of insurance is akin to a hospital gown: it gives the impression that you're covered, but doesn't actually cover your butt.

The health care inequality we found is uniquely American. In every other wealthy nation, people are shielded from the costs of illness by a comprehensive and truly universal national health insurance program.

Every Canadian, for instance, has first-dollar coverage through a Medicare-for-all system (they actually call it "Medicare") that distributes care according to need, not wealth. As a result, poor Canadians get 26 percent more care (and the middle class 11 percent more) than the wealthy.

The growing inequality in health care use in America is reflected in worsening outcomes for those with lesser incomes. While the health gap between rich and poor Canadians has been closing, ours has been widening. Today, the wealthiest American men live 15 years longer than their poor counterparts.

For the past decade or more U.S. health policy has blamed patients for skyrocketing health costs, and sought solutions in ever-skimpier insurance coverage and market-based competition.

Those policies have fueled a boom for giant insurers, drug firms and hospital chains. But they've been a bust for poor and middle-class Americans.

Drs. Steffie Woolhandler and David U. Himmelstein are primary care physicians, professors of health policy at the City University of New York at Hunter College, and lecturers in medicine at Harvard Medical School. They co-founded Physicians for a National Health Program (pnhp.org), a nonpartisan organization that advocates for single-payer health reform.

This article originally appeared at The Hill. The views expressed by contributors are their own and not the views of The Hill.

-- 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.
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Op-Ed: State Sen. Hwang Trying to End CT’s Roller Coaster Ride of Health Insurance Rate Hikes

August 5, 2016, 1:43 pm
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Op-Ed: State Sen. Hwang Trying to End CT’s Roller Coaster Ride of Health Insurance Rate Hikes Patch Fairfield, CT -- State Sen. Tony Hwang writes about his trips to Hartford this week in search of state government and health insurance transparency. Reported by Patch 5 hours ago.
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A startup that wants to provide better in-home care for seniors just raised another $42 million

August 5, 2016, 2:33 pm
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A startup that wants to provide better in-home care for seniors just raised another $42 million Honor, a Silicon Valley-based company that helps connect seniors to home care professionals, has just raised another $42 million to help it take over the multi-billion-dollar home care industry.

The round is led by New York-based Thrive Capital, as well as 8VC, Andreessen Horowitz, and Syno Capital. Andreessen Horowitz has previously invested $15 million in Honor, so along with $5 million from angel investors, Honor's raised in total $62 million. 

Honor launched in April 2015, and since then, CEO and co-founder Seth Sternberg told Business Insider, they've become the largest home care provider in the San Francisco Bay area. Honor also expanded to Los Angeles, and this funding round will in part help them move into east into Dallas as well.

The home health industry is a "fragmented" system. There are an estimated 2.5 million home care workers out there, and about 12,400 home health agencies managing them all. The idea with Honor is to streamline the whole process using technology, while at the same time making it possible to pay the home care professionals more than they would otherwise make.

Thrive venture capitalist Kareem Zaki told Business Insider that it was it was important to Thrive that Honor owns the whole system, instead of say, setting up a marketplace connecting independent care professionals to those who are seeking home care. Zaki says he learned the importance of this from Thrive's investment in $2.7 billion Oscar Health Insurance.

"Honor owns the full experience," Zaki said. "Honor works with the providers, and the patient is Honor's customer at end of the day."

*Making the technology simple*

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*Here's how Honor works: In the app, the person who needs care, or a family member, can plug in the relevant information (say, that the person has a cat and has diabetes). Then, Honor will line that person up with a "Care Pro" (the home care professional) who's a good fit and has the right expertise to help that person out. Through the app, the family member can schedule times when they need a Care Pro to stop by, add details, and monitor to make sure the visit actually happened. 

That way, the Care Pros, the seniors receiving care, and their loved ones are all connected through Honor's app. You can also call a number if you don't want to use the app all the time.

Honor's platform fits in with Sternberg's vision for the company. It'll be like a car: There's a lot of complex technology going on behind the scenes, but driving the car is easy enough for anyone to do. 

"We use a lot of tech to make Honor better, but the consumer perceives Honor to be the care professional who walks through the door." Sternberg said. "Ideally people don't think about Honor as a technology, ideally it's just better because the tech is there."

*Reconnecting the home back into the healthcare system*

Beyond helping out with everyday tasks, the Care Pro often plays a critical role in managing the senior's healthcare, Sternberg said, from taking notes to the doctor's office, to making sure they take their medication. So Honor's started rolling out a program called the "Wellness Check" where the Care Pros can take notes and document how the senior is feeling on a particular day.  

That data collection was something that particularly drew Thrive in as well.

"The home becomes a black box for providers," Zaki said. This technology, he said, could be the link that connects time spent at home to the hospital and physicians. Honor has also partnered with organizations like the American Cancer Society and the National Parkinson's Foundation.

Beyond Dallas, where Honor is currently hiring, Honor's plan is to keep expanding across the country.

But Honor isn't the only company going after this space using tech. East-coast competitor Hometeam has raised $43.5 million and operates in New York, New Jersey, and Pennsylvania.

*SEE ALSO: Take a look inside the stunning offices where companies are reinventing NYC's biotech scene*

*DON'T MISS: A Silicon Valley banker says this is the most surprising trend he's seen in healthcare*

Join the conversation about this story »

NOW WATCH: Humans are finally starting to understand the octopus, and it’s mind-boggling Reported by Business Insider 4 hours ago.
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Hack of former DST business exposes Blue KC data

August 5, 2016, 2:46 pm
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Newkirk Products Inc. reported a security breach of personal information for health insurance ID cards, including those for Blue Cross and Blue Shield of Kansas City. However, Newkirk said in a Friday release, the breach did not gain access to Social Security numbers or information related to banking or credit cards, medical history or claims. What was accessed was information found on the Blue KC cards, such as the member's name and mailing address, said Kelly Cannon, a spokeswoman for the Kansas… Reported by bizjournals 3 hours ago.
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Platform and Politics: The Change We Made

August 6, 2016, 5:00 am
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The quadrennial process of party platform writing is more of a political exercise than a policy deliberation. When party leaders sit down to debate what will or will not go into their platform, their eyes are less focused on what will constitute sound policy. Instead they consider the politics involved in the positions they want in the document: will they cause concern with important constituencies; will they result in negative press; and will they provoke donors? Given this, I feel good about what we accomplished with this year's Democratic Party's platform. I say this not only as a proud member of the five person team Bernie Sanders picked to serve on the Platform Drafting Committee, but also as the first Arab American to have served in that capacity.

Much has been written about the planks we lost or how the platform didn't go far enough, but what shouldn't be dismissed is that the Democratic Party is now on record embracing some of our positions and adopting some of our goals. All this is a clear recognition of the power of the progressive movement that was galvanized by the Sanders campaign and the role that Arab Americans played in that effort. The document includes: a call to abolish the death penalty; the goal of establishing a $15 an hour minimum wage; an expansion of the Social Security program; a recognition of the need to provide for public option health insurance; a call to eliminate Super PACs and overturn Citizens United; and the need to put a price on carbon emissions to deal with climate change. Bernie Sanders has referred to the final product as "the most progressive platform in the history of the Democratic Party" and has called for a sustained effort to insure that, after November, the goals recognized in the document become law.

What didn't receive coverage, but should also be noted, are the many "little victories" we won during the platform deliberations. Sometimes they were simple, but important, word changes or additions we suggested that were ultimately endorsed by all sides.

For example, we were able to add language condemning the rise of "Islamophobia". And we were able to insure the absence of any terms disparaging of Islam. We also included the protection of civil liberties as a priority concern and expanded on the definition of "racial profiling" to include "religion, ethnicity, or national origin" thereby making the called for ban on "un-American and unproductive" profiling, the most comprehensive ever.

In the section on "Fixing our Broken Immigration System" we co-authored with the Clinton campaign language recognizing that "immigration is not a problem to be solved, it is the defining aspect of the American character and our shared history". We also called for reforming "the current quota system [that] discriminates against certain immigrants" and we rejected "attempts to impose a religious test to bar immigrants or refugees from entering the United States."      

The platform also proposes a way forward to defeat ISIS and al Qaeda and end the wars in Syria and Iraq without seeing American forces mired down in prolonged conflict in the Middle East. The document recognizes that there must be "more inclusive governance in Iraq and Syria that respects the rights of all citizens". And calls for "providing more support and security assistance for Lebanon and Jordan, two countries that are hosting a disproportionate number of refugees; and recognizes the importance of "maintaining our robust security cooperation with Gulf countries."

On the matter of refugees, the platform explicitly supports "President Obama's call for an international summit to address this crisis so that every country assumes its responsibility to meet this humanitarian challenge" and pledges to "look for ways to help innocent people who are fleeing persecution."    

There was, to be sure, great disappointment in our failure to change the language on Israel/Palestine. We wanted to have the platform clearly state that the occupation and settlements must end, that the suffering of Palestinians must be acknowledged, and that excessive language on BDS and Jerusalem should be removed. We argued that it was commendable to call for two states, but the refusal to note that the major impediments to the realization of that goal are the occupation and settlements calls into question the commitment to achieving a two state solution. We also argued that our reading of their proposed language on BDS denied Palestinians the right to peacefully protest occupation and the language on Jerusalem was contradictory since, on the one hand, the platform states that "Jerusalem is a matter for final status negotiations" and then says that "it should remain the capital of Israel, an undivided city accessible to people of all faiths."  

Since our Sanders' team was outnumbered, we did not win, but from our lengthy debate on these issues (a small victory, in itself), several observations can be made.  The draft prepared by the Clinton team sought to preempt our concerns. This is the first platform in history to speak of the recognition of Palestinians as having rights not merely, as Peter Beinart has noted, "as a matter of Israeli self-interest". The platform calls for providing "Palestinians with independence, sovereignty, and dignity". And, in another place, says that "Palestinians should be free to govern themselves in their own viable state, in peace and dignity". On this subject, earlier platforms were confused, at best, insulting, at worst.  

Finally, on the issues of BDS and Jerusalem, the Clinton campaign sought to explain their language by noting that they "were very careful not to say outright that we oppose BDS", but rather to oppose it only it if it delegitimized Israel. And one Clinton supporter offered a caveat regarding Jerusalem noting that nothing in their formulation would preclude Jerusalem from also being the capital of a future Palestinian state.

As a reflection of the state of play of American politics, we should see this platform not a defeat but an acknowledgment that there has been a change. Change we made possible. We were able to impact the debate. In some instances, we were able to win changes in the platform and, even when we were not, we were able to force debate on critical issues of concern. That is why I was proud to be a part to be a part of the Sanders campaign and why I endorse his call to continue our forward march. We must remain a part of the progressive coalition working with our allies to elect Hillary Clinton, defeat Donald Trump, continue to transform the Democratic Party, and keep progressive ideas in the mainstream, and not on the fringes of American politics. Within this coalition we can continue to fight for progress. Outside of it, we run the risk of marginalizing ourselves and our issues.  

Follow @jjz1600 for 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 13 hours ago.
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A parent’s guide to insurance for college students

August 6, 2016, 10:00 am
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Evaluate your auto, homeowners, life and health insurance needs as your child heads to college so you can determine what your current insurance will pay for — and whether you need to buy extra coverage. Reported by Seattle Times 8 hours ago.
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An Update On The Obamacare Disaster

August 6, 2016, 3:29 pm
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An Update On The Obamacare Disaster Submitted by Mike Krieger via Liberty Blitzkrieg blog,



*An architect of the federal healthcare law said last year that a “lack of transparency” and the “stupidity of the American voter” helped Congress approve ObamaCare.*

*He suggested that many lawmakers and voters didn’t know what was in the law or how its financing worked, and that this helped it win approval. *

 

– From the post: *Video of the Day – Obamacare Architect Credits “Lack of Transparency” and “Stupidity of the American People” for Passage of Healthcare Law*



*2017 is shaping up to be a very, very ugly year for Obamacare*. A year in which it may become obvious to all that the entire thing is an *unredeemable failure*.

Many of you surely have been paying attention to headlines regarding insurers fleeing the Affordable Care Act (ACA) exchanges due to major financial losses (despite huge premium hikes), but you may still not recognize how bad the situation really is.

In that regard, read the following excerpts from a Vox article published yesterday titled, Obamacare’s Markets Will Be Less Competitive Next Year:



*Competition on the Obamacare marketplaces will decline next year.* *There will be significantly more places in the country where customers have no choice of health insurance because just one company signed up to sell coverage.*

 

This is the conclusion that health policy experts have increasingly gravitated toward in recent months and weeks, as major insurance companies have announced hundreds of millions of dollars in financial losses on the Obamacare marketplaces.

 

*President Obama promised when the marketplaces launched that Americans will find “[m]ore choices, more competition, and in many cases, lower prices.”* And insurance competition did go up in the first few years of Obamacare. Between 2014 and 2015, the US Department of Health and Human Services estimated that the number of insurance carriers participating in Obamacare increased 25 percent. More health plans wanted in on a new opportunity to sell directly to consumers.

 

But now some of these gains are backsliding. A recent analysis shows that Obamacare’s marketplaces will have twice as many exits as entrants in 2017. *Insurers have tested out Obamacare, and in some cases they’ve lost hundreds of millions of dollars.*

 

Adelberg at FaegreBD has been tracking marketplace newcomers and departures. By his count, at least 13 insurers have announced they’ll leave the Obamacare marketplaces. This figure likely underscores the severity of the problem, as two of those insurers, UnitedHealth and Humana, sell in multiple states.

 

At the same time, it looks like seven new carriers will come onto the market. But those insurers tend to be smaller, typically selling in just one or two states.

 

*This means there will be more places in the United States where consumers have less choice of plans — if any choice at all.*

 

*The Kaiser Family Foundation estimates that 664 counties will have a single marketplace insurer in 2017, up from 225 of these counties in 2016.*

 

Meanwhile, some insurers that were initially bullish on Obamacare are turning bearish. The prime example here is Aetna, a major insurer that signed up more than 800,000 Obamacare enrollees and as recently as April called the law a “good investment.”

 

But on an earnings call Monday, Aetna’s views of Obamacare seemed to sharply change. Chief executive Mark Bertolini announced that the company lost $300 million on the marketplaces last year. Aetna will nix plans to expand into five additional states and will reevaluate the 15 states it currently sells in.

 

So it is possible that what we’re seeing right now is that the more expensive plans — the ones that offer wide networks of doctors, low deductibles, and brand-name hospitals — are getting edged out of the market.* And that the type of insurance sold through Obamacare will be much more homogeneous than we realized.*



Mission accomplished.

Meanwhile, here’s what the insurers who are sticking with the Obamacare marketplaces are doing.

From the Chicago Tribune:



*Insurers want to crank up the cost of health insurance premiums by as much as 45 percent for Illinois residents who buy coverage through the Affordable Care Act’s marketplace.*

 

Blue Cross Blue Shield of Illinois, the most popular insurer on the state’s Obamacare exchange, is proposing increases ranging from 23 percent to 45 percent in premiums for its individual health-care plans, according to proposed 2017 premiums that were made public Monday. The insurer blamed the sought-after hikes mainly on changes in the costs of medical services.



*Of course, none of this should come as a surprise. *Many of us have been warning about Obamacare since the very beginning, and I’ve dedicated several posts to the topic in 2016 alone.

In case you missed them the first time, be sure to check out:

July 2016: Illinois Obamacare Co-Op Goes Bust Leaving Tens of Thousands at Risk

April 2016: Sales of Short-Term Health Plans Soar as Americans Flee Expensive Obamacare

March 2016: The Health Insurance Scam – “Coverage” Doesn’t Mean Affordability or Access Reported by Zero Hedge 3 hours ago.
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Health Insurers Are Now Playing Hardball With Regulators Over Obamacare

August 7, 2016, 11:21 am
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The Justice Department aims to block two mammoth health insurance mergers, but insurers aren't taking this rejection lying down. Reported by Motley Fool 7 hours ago.
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Noomii Announces the Launch of Theravue.com, Peer Consultation Groups For Therapists

August 8, 2016, 12:07 am
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Noomii.com, the professional life coaching directory, is now focusing on building software for therapists to help them improve outcomes for their mental health clients.

Vancouver, BC (PRWEB) August 08, 2016

Noomii.com, the web’s largest directory of life and business coaches, is pleased to announce the launch of Theravue Inc, an online application built to help therapists.

After serving the life and career coaching industry for nearly a decade, Noomii.com has decided to venture into the mental health space in order to connect therapists, provide them with evidence-based tools to improve their skills and create better outcomes for their clients.

“Unlike just about any other profession,” points out Theravue CEO Kurt Shuster, “the science demonstrates that on average, therapists do not get better over time. Our mission is to change that trend and thereby improve the quality of life for the 50 million people that suffer from mental health disorders in North America every year.”

By creating a platform for therapists to share information with their peers in a safe and secure manner, Theravue fulfills an unmet need for peer consultation in the mental health industry.

Therapists sometimes encounter challenging or difficult clients and because of client confidentiality restrictions, they are not able to speak about these situations to anyone else. They are often left feeling isolated or alone in their work and have no outlet to express their feelings or get feedback about their most challenging clients.

When therapists sign up for Theravue, they are placed in a peer consultation group of five therapists, hand-picked to match their experience level and therapeutic-orientation. Groups hold regular, ongoing meetings via Theravue’s proprietary HIPAA-compliant (Health Insurance Portability and Accountability Act) video conferencing system.

In addition to CEO Kurt Shuster, Theravue is led by Chief Scientific Officer Bruce Wampold, one of the world’s leading psychotherapy researchers.

About Noomii.com:
Noomii is a free online service that helps individuals find their ideal life coach, business coach, or career coach. Noomii has been serving the coaching industry since 2007.

About Theravue.com:
Theravue facilitates peer consultation groups for therapists and better outcomes for therapy clients. Reported by PRWeb 19 hours ago.
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Chubb in China Offers Innovative Personal Accident Insurance Benefit to Suning Customers

August 8, 2016, 2:02 am
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SHANGHAI, Aug. 8, 2016 /PRNewswire/ -- Chubb announced today the launch of an innovative personal accident insurance benefit to the customers of Suning, one of the largest retailers and most recognized retail brands in China. Customers who purchase an extended warranty program from Suning for a home appliance or electronic device will now automatically receive up to RMB 1 million in insurance protection payable in the event they are injured by those items. This enhanced insurance protection from Chubb has been added to Suning's existing extended warranty program.

Logo - http://photos.prnewswire.com/prnh/20160124/325256LOGO

A nationwide roll-out has commenced, starting with Shanghai and six cities in Jiangsu province. This will be expanded to the other regions of Suning's nationwide network, including online and offline product channels and retail outlets.

"This is the first of what we expect will be many significant insurance product offerings for Suning's vast customer base under the preferred provider distribution agreement we announced in April," said Zhang Bei, Chairman, Chubb Insurance Company Limited in China. "We are very pleased that through our close collaboration, the customized personal accident insurance benefit jointly developed by Suning and Chubb has been successfully launched.

"The launch symbolizes that our cooperation with Suning has entered into a substantive phase. We believe that with the deepening of our partnership, we will continue to launch more customized products in the future to meet the consumer insurance needs of Suning's 130 million registered members. Chubb has a long track record of offering relevant, essential protection for individuals, families and businesses of all sizes across the Asia Pacific region. We strive to enable renowned brands such as Suning to grow their business further with our insurance benefits," added Zhang Bei.

*About Chubb *

Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide. Additional information can be found at: new.chubb.com.

In 1994, Chubb set up its first representative office in China. A branch company was subsequently established in 2000 in Shanghai, which was converted to a wholly owned subsidiary upon the approval of the China Insurance Regulatory Commission. The company currently has two operations in Shanghai and Jiangsu provinces, with plans to commence operations in Guangdong province and other regions in the near future. Reported by PR Newswire Asia 17 hours ago.
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Provider of Quality, Low-Cost Health Care Launches North Sacramento Site

August 8, 2016, 3:04 am
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Peach Tree Health Features Primary and “Immediate” Care with No Appointment Necessary

Sacramento, CA (PRWEB) August 08, 2016

Peach Tree Health, a network of Federally Qualified Health Centers (FGHC) that began 25 years ago as one county clinic, has opened a new site in North Sacramento. This location will focus on providing access to primary care, “immediate care” and integrated vision services. For a community with limited access to affordable health care, this new Peach Tree Health location is a welcome addition, especially for patients with Medi-Cal, Medi-Care or lacking health insurance altogether.

“Immediate care” is an innovative model that that is similar to urgent care, but with key differences. The public tends to associate the term “urgent care” with long waits. The Immediate Care service at Peach Tree Health’s North Sacramento location provides walk-in access seven days a week, extended weekend hours, and is staffed by providers who see patients for conditions that are urgent but not life-threatening. The immediate care model was first introduced and refined at Peach Tree Health’s Marysville location.

Immediate care is not the only feature that distinguishes Peach Tree Health. Its vision care is an offering unique among most community health clinics, and it offers eyeglasses at a cost even lower than outlets such as WalMart. The interior space is fresh and bright with state of the art equipment and technology. The locations at Midtown, Norwood and Yuba City are all slated for remodeling to match North Sacramento’s bright, cheery atmosphere.

This new Peach Tree Health site is the result of collaboration with Dignity Health, which provided a $2.5 million grant and staff expertise to assist in the transition. The North Sacramento location will be Peach Tree Health’s third in Sacramento County (complementing Midtown and Norwood) and eighth in total.

Leaders at Peach Tree Health believe the new site will effectively bridge a gap in health care access to many of the county’s most underserved populations. “In North Sacramento, there has been a real shortage of comprehensive primary care, vision and behavioral health services,” said Greg Stone, Chief Executive Officer of Peach Tree Health. “It is our mission to extend personalized, high-quality care to our whole community, regardless of their ability to pay. We are here to keep our neighbors healthy and our community growing,” Stone added. The medical staff at North Sacramento includes Spanish and Russian language speakers.

The new location will be launched with a ribbon cutting ceremony and grand opening celebration on Wednesday, August 10, 2016 at 5:30 p.m.

# # #

About Peach Tree Health
Since 2001, Peach Tree Health has been a Federally Qualified Health Center and provides comprehensive medical, dental, vision and behavioral health services for people of all ages in the Northern California counties of Sacramento, Sutter and Yuba. Peach Tree Health operates eight health centers and two mobile dental clinics that serve over 27,000 patients through almost 90,000 visits. Peach Tree’s services target the uninsured and underserved families throughout the region. More at http://www.pickpeach.org. Reported by PRWeb 16 hours ago.
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Lice Troopers Expands Partnership Opportunities for Community Head Lice Prevention and Removal

August 8, 2016, 3:04 am
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Miami head lice removal service expands partnership opportunities to community health care professionals

Miami, Florida (PRWEB) August 08, 2016

Lice Troopers, the all-natural head lice removal service based in South Florida, announces that it will be expanding its partnership opportunities. The company previously worked directly with schools and camps to aid in preventing lice epidemics but is now also working with local pediatricians and dermatologists as well.

“Our mission is to become the number one resource for head lice. We want families and the community to not only be aware of these pests but also know they have access to information and assistance from a reliable and pediatrician-approved source,” stated Arie Harel, owner of Lice Troopers, Inc. Since most physicians do not treat head lice, partnering with the head lice removal company will give them a place to send their patients who are dealing with an infestation.

In addition, Lice Troopers is offering partnering physicians free memberships for their staff, discounted pricing on their all-natural DIY kits, and other members-only perks.

For more information, or to become a Lice Troopers partner, call 1-800-403-5423.

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 16 hours ago.
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Health insurance rate increases approved in NY

August 8, 2016, 4:27 am
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Employers with fewer than 100 workers will see premiums increase an average of 8.3 percent in 2017. The state's Department of Financial Services approved rate increases requested by health insurance companies on Friday. The higher rates are driven primarily by increases in medical costs and federal programs to redistribute risk across insurers, according to the department. Premiums for individuals who buy insurance on the state's health exchange website will increase an average of 16.6 percent.… Reported by bizjournals 15 hours ago.
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eHealth Milestone: Over 5 Million Americans Have Been Insured Through the Nation's First & Largest Private Online Health Insurance Exchange

August 8, 2016, 5:18 am
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eHealth.com, Medicare.com, eHealthMedicare.com and PlanPrescriber.com All Contribute to Enrollment Numbers Reported by Marketwired 14 hours ago.
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Caregiverlist® Announces Rhode Island Nursing Home Cost Index for August 2016

August 8, 2016, 5:25 am
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Seniors and families in Rhode Island looking to plan ahead for senior care options should first understand the daily costs of nursing homes in their area and review the most important factors indicating quality of care.

Chicago, Illinois (PRWEB) August 08, 2016

Rhode Island nursing home rates are the tenth highest in the nation, with an average annual cost of approximately $94,170 (based on the cost of semi-private rooms), or $7,847 per month.

Rhode Island 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 Rhode Island Caregiverlist® Index indicates that the average cost of a nursing home in Rhode Island is $258 per day for a semi-private room or $288 for a private room. Of the 87 total Rhode Island nursing homes, over half rate 4-stars or better. Just three nursing homes in Rhode Island receive a 1-star rating or below on the Caregiverlist® Star Rating.

Caregiverlist® Rating Criteria National Averages:

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%

Here’s a snapshot of the Caregiverlist® Nursing Home Cost and Rating Index for Rhode Island for August 2016:

Total Number of Nursing Homes: 87
Average Single Price: $288
Average Double Price: $258
Average Rating: 3.2

Star Rating Snapshot:
5-Star: 7
4-Star: 47
3-Star: 27
2-Star: 3
1-Star: 3

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 Rhode Island nursing home with the highest Caregiverlist® rating is privately-owned Briarcliffe Manor in Johnston, Rhode Island, which scores 4.6 out of 5 stars. Owner/administrator Akshay Talwar JD, CPA, LLM, who lives on the campus alongside his senior residents, explains what he believes is integral to his Briarcliffe’s success. “I think much of our success is due to ownership presence,” says Mr. Talwar. “We are deeply vested in the quality of care and we have a personal connection with those for whom we provide long-term care.”

Rhode Island 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 occurred, but only if after three days if senior has been formally admitted as an inpatient. If a senior has been admitted under observation, they may have to pay for subsequent nursing home rehabilitation out of pocket. This means researching the right nursing home ahead of time will ease the transition should a medical emergency occur.

Costs of senior care are always a factor when choosing the right senior care option, as many seniors live on a fixed income. Low-income seniors in Rhode Island may qualify for Medicaid if they meet the financial qualifications. 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® Rhode Island 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 parameters. Ratings for nursing homes are only a starting point and 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. Right now 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 14 hours ago.
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Rise of 'drunkorexia': Half of young people skip meals to save up calories for drink

August 8, 2016, 6:29 am
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Rise of 'drunkorexia': Half of young people skip meals to save up calories for drink Some 40 per cent of people age 18 to 34 admit they cut down their calorie intake in order to binge drink, a report by health insurance provider Benenden found. Reported by MailOnline 13 hours ago.
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