Health Savings Account

Health Savings Account
Are Health Savings Accounts Working Effectively? Health savings accounts were originally created
to encourage people to have control over how their money was spent on their healthcare. If the
funding was coming from their private source than people would be less likely to use unneeded
treatments or investigate costs prior to utilizing, to get the most from their money. Similar to the
idea of when people use cash for their spending in place of plastic, credit or debit cards. People tend
to be more frugal with their spending with cash. The concept that they were hoping for to be true
would respond in millions of people operating with this thinking that it would decrease the use of
wasteful decreasing costs/rates. This would give power ... Show more content on Helpwriting.net ...
Prior to having a high deductible plan I had traditional personal choice insurance plan that I was
able to get from my employer for my family of five for $240.00 a paycheck which was twenty six
bi–weekly costing me $6,240 out of immediate salary with an eighty to twenty deductible. The first
year my premium went down to $121.78 a biweekly paycheck. The high deductible was $2000. My
employer paid $1000.00 and once deductible was met all costs under insurance were covered. Since
then the premium went to $137.74 with a $3000.00 deductible. Currently my premium is $160.96 a
bi weekly paycheck with a $4000.00 deductible and now an eighty/twenty deductible at office visits,
prescription plans. There are allotted certain automatic fees for hospitalizations and high costs
testing. A few preventative care costs are included for example, once a year well visits. If I pay into
my HAS account I have started with fees as listed earlier then an ongoing fees of $5.00 a month to
maintain it. In order to just cover the $4000.00 deductible I have to take out of my pay $153.85 bi
weekly just to meet. In order to use advantage of tax free income the benefits of putting more into
HAS do not outweigh other needs and costs. I have put in more than needed to meet deductible to
help with copays. On top of what is not included my husband has type I diabetes on an insulin pump
which the equipment is only covered 66%. Having using the insulin
... Get more on HelpWriting.net ...

Essay On Hispanic Growth And Growth
Hispanic Growth Strategy Updates
Ramon will start his new role as Business Development ____ in October
Stamford FCU kicked off Hispanic Heritage Month (HHM) with a staff celebration on September
15th. For the duration of HHM, the credit union staff will wear buttons wishing members a Happy
Hispanic Heritage Month.
Ramon will begin to build relationships and partnerships with community organizations. Ramon has
a background in banking, radio, and comedy. Stamford is confident Ramon's personality will be well
liked by the Hispanic community.
Ramon would like to reach potential Hispanic members at their jobs. Building relationships with
local employers will hopefully get his foot in the door.
Stamford has meetings coming up with ... Show more content on Helpwriting.net ...
Stamford currently has a secured credit building product. Stamford will explore the possibility of an
unsecured credit building product.
Coopera will share a sample credit building policy from Des Moines Metro Credit Union.
Coopera will draft talking points for Ramon to utilize when he meets with local organizations.
Stamford and Coopera will have an ongoing conversation about product enhancements.
Coopera Team Transition Period
Alba's last week with Coopera was the week of September 25th. She has the opportunity to go back
to her native country to spend time with her father.
Miriam de Dios, CEO, will be the primary liaison in the partnership between Stamford and Coopera
Coopera is dedicated to help Stamford enhance and growth their Hispanic growth efforts.
Credit Unions and the Rescission of DACA
Stamford is familiar with Deferred Action for Childhood Arrivals (DACA) program. They are aware
that the program has been rescinded and is right now with Congress.
It is important to keep discussing this topic for it might affect employees and credit union members.
Digital Marketing Opportunities
The Spanish marketing campaigns are surpassing English marketing campaigns in return of
investment.
Coopera is partnering with an organization to introduce a new digital marketing tool that will utilize
IP addresses to reach the Hispanic market online. Miriam will send Dave and Bo more information
about this innovative product.
Sherlene

Tax Free Savings Account (TFSA)
As many Canadians plan for their financial future, it's important they don't lose sight of an important
alternative investment, a tax–free savings account. A tax–free savings account, or TFSA for short, is
a flexible, registered savings account that allows Canadians to earn tax–free investment income for
life. Unlike other savings accounts, investment income earned through a TFSA, such as interest,
capital gains and dividends, is not taxed. This means you can withdraw money at any time from
your TFSA without penalty or tax consequences.
As you can imagine, the TFSA has generated a lot of positive interest across Canada and has grown
in popularity since it was introduced in 2009. According to the Canada Revenue Agency, since 2009
more than 10 million TFSAs have been opened, with a combined value of more than $88 billion.
The TFSA has proven useful both as a specific purpose savings account and as an investment
vehicle for people looking generate tax–free income. ... Show more content on Helpwriting.net ...
A TFSA is also a great way to complement other investment plans like RRSPs and RESPs. This
makes the tax–free savings account appropriate for all types of investors.
If you're a Canadian resident aged 18 or older with a valid social insurance number, you are eligible
for a TFSA. Regardless of when you open up a TFSA, there is no lifetime contribution limit. This
means you will accumulate contribution room equal to the annual contribution limit every year of
your life, even after the age of 71, which is the limit for

Benefits Of A High Deductible Health Plan
The Healthcare System is a combination of politics, health care practices, finances and
socioeconomic representatives of the United States of America. There are many aspects of
healthcare, such as health plans, that is not fully acknowledged by the American consumers. Current
studies have also suggested that consumers have a lack of understanding when it comes to
healthcare which can lead to a lack of care (Islam, 2015). Private (i.e. BlueCross) and public health
(Medicare and/or Medicaid) insurance operatives have similar and different methods in which they
are financing medical services to the public. This research paper will discuss many aspects of a High
Deductible Health Plan (HDHP). First, what a HDHP is and its prevalence will be discussed.
Second, a deliberation about why and how they are so popular will be addressed. Lastly, the pros
and contra will be considered and how they can affect your overall health and quality of life.
What is a High Deductible Health Plan?
A High Deductible Health Plan (HDHP) is a health care plan in which they monthly premium
(amount that is paid by the consumer monthly or annually) is lower, but the insured has higher out–
of–pocket expenses. Out–of–pocket expenses or deductibles are the financial cost that the individual
pays on their own before their insurance pays its share ("High Deductible Health Plan (HDHP) –
HealthCare.gov Glossary | HealthCare.gov," n.d.). With the help of these HDHP, individuals also
combine a Health Saving

Personal Statement: Emergency Savings Account
Thanks again for reaching out. Here's my suggestions from our meeting.
1. Stop putting money into retirement for now. Take that 3% and set up an automatic transfer to your
savings account and build an emergency savings account. This will help you stay out of debt in the
future. Once you have your emergency savings done, apply that 3% to your debt.
2. The more I think about it, I would check into consolidating your credit card and unsecured loan.
Your options are either another unsecured loan or a Personal Line of Credit. The PLC will give you
a longer time to pay it off, but the interest rate is higher. Since you're wanting to pay the debt off
ASAP, I'd go with a shorter term and make more than the monthly payment if possible. Check the
interest ... Show more content on Helpwriting.net ...
Confrontation is uncomfortable, but it's going to be uncomfortable no matter when you do it. So
rather than spending weeks dreading it, just get it over with. If you're feeling super edgy, confront
them about how they turn on the heat and ac. Tell them to buy a damn fan. If they are cold, put on a
sweater. Haha
8. Sign up for mint.com. It's a great way to track expenses.
9. Get your 10% with sprint. http://www.lovemycreditunion.org/
10. Part–time job would be helpful. Just don't burn yourself out working at CFCU, a part–time job
and going to school. If you need a reference, use me.
11. Learn to say "no." If you can't afford to hang out or don't want to, then don't. If they get mad, tell
them you'll go if they pay. If you want to hang out with them, but you can't afford it, make plans for
the next paycheck.
12. See if you can find cheaper car insurance. I use Safeco. However, I went through Multi–Quote
Insurance. They compare multiple insurance companies rates.
http://www.multiquoteinsurance.com/.
You might also check to see if you are over insuring your vehicle. I'm happy to look at it for you or
here's an article that might be helpful: http://www.daveramsey.com/blog/how–much–car–insurance

Sorry for the long email, but I think I covered it all. Try not to become too overwhelmed with it all.
It's hard and debt sucks, but it'll get

Health care cost Analysis Essay
Health Care Costs Analysis
Healthcare is expensive and Americans want the best possible healthcare they can get. Consumers
are demanding more tests, better drugs and insurance coverage. Americans desire a high quality of
life and insurers/employers are trying to provide the means, but cost effectively and without raising
costs. In order to do this, "consumers will have to make more decisions, pay more and perhaps
demand greater value" (Barr, Paul).
"The common forces driving utilization and costs are medical technology advancement, demanding
consumers, and an aging population" (Barr). Advancements can be seen all over the medical field in
areas such ... Show more content on Helpwriting.net ...
This Act creates a problem for the federal government: an even larger budget deficit. "Medicare eats
up a large share of government expenditures...there [is] not ...enough money to keep Medicare as it
now operates afloat. Everybody's freaking about it" (Barr). Providers who currently accept Medicare
have even stated that they will not continue to accept this form of payment if the rates for service
decrease or fees are not paid.
There is also the issue of the uninsured and the underinsured whom generate charges for services
that are not paid. There are currently 45 million Americans without insurance. These people are not
denied services when they are life threatening, therefore their unpaid bills are absorbed by the
hospitals and providers thus passed on to the consumer in the form of higher charges for service.
Those who have insurance and seek services are living longer. "As Americans live longer with
chronic illnesses, the definition of good health that can be financed through insurance has been
dramatically expanded" (Schaeffer, Leonard D.). This also translates into people expecting services
for quality of life issues. Some of those quality of life services are the prescribing of medications for
erectile dysfunction (ED) and experimental cancer treatment drugs that have not been proven to be
wholly effective. "Americans

Prize-Linked Savings Account Analysis
This paper explains what Prize Linked Savings accounts are, offering both definition and
description. "This paper describes these products, provides examples of their use, argues for their
potential popularity in the United States – especially to low and moderate income non–savers – and
discusses the laws and regulations in the United States that largely prohibit their issuance." This
information comes from a credible set of authors from a credible institution. There is a vast amount
of information regarding PLS accounts that will be useful for the core idea and implementing it as
well as providing possible rebuttals. This is my first solution for the second part of my plan. Prize–
linked saving accounts will have two positive effects on the

The Full Form Of Cdhp Is Consumer Directed Health Plan
CDHP Insurance Introduction: The full form of CDHP is consumer–directed health plan.. There are
a few unique sorts of CDHPs–some that can be matched with an individual plan and some that must
be combined with a group plan means employer of the company. These are medical saving plans
which could give more care on our health. It let us make decisions about how we could get more
dollars on our health based on some conditions and factors. With a CDHP, we utilize some
information about the expense and nature of different human services guide to control the decisions.
We can have options about doctors as well as hospitals to be used. We could ask doctors to make
medications which are suitable for us. Then accordingly we pay to our healthcare by ... Show more
content on Helpwriting.net ...
CDHPs have developed in prevalence since their origin, now selecting around 17 percent of
individuals with superintendent supported protection. All things considered, CDHPs have lessened
human services spending, with investment funds extending from 5 to 14 percent. Investment funds
are driven fundamentally by decreases in spending on pharmaceuticals and outpatient visits, and are
concentrated among healthier enrollees. While a few studies find that CDHP enrollees lessen the
utilization of medicinal services benefits aimlessly, different studies find that the diminishments are
fundamentally among visits for low seriousness conditions. There is no confirmation on the impact
of CDHPs on wellbeing results. CDHPs have a tendency to draw in higher wage, more instructed
enrollees, yet there is no proof that CDHPs have prompted danger division bringing about dissolved
protection scope. Right now, all the confirmation on CDHPs is from expansive, self–insured
employers for them who have positive choice into a CDHP. [3] Financial Incentives in CDHPs: The
principle behind CDHPs is that they increase the premium that patients have in their choices about
utilization of therapeutic care. Patients who devour medicinal care and exhaust their PHA could be
using the resource that they can keep and use their benefit in the future. Contrasted with patients
with traditional insurance arrangements, in any event for spending beneath the

Medtronic Health Insurance Case Study
Running Head: Medtronic's Health Insurance; Revisions 0 Medtronic's Health Insurance; Revisions
Shelley Black OL620 Total Rewards August 4, 2017 Summary According to the case study,
Consumer Health Care: Medtronic's Health Insurance Options, by Herzlinger, Hurwich and Bokser,
I have come to the conclusion that Medtronic was trying to offer an array of services to their
employees but yet really didn't analyze what they were providing. Currently, Medtronic offers three
distinct health plans that are comparable with their employee's as well as industry competitors.
However, there were several areas that I found concerning that is in regards to cost where the
company is spending more money than they need to. Within this paper, I will be addressing some
factors in areas such as where money could be saved so that they may be able to use this additional
money in other areas for the company. Restrictions At the time, Medtronic made decisions what they
thought would be good for the company as well as their employees. However, there are several areas
of concern that could be redesigned to help accommodate cost as well as the company. One area that
I saw right away that needs attention immediately was the redesign of the part–time employee's
hours. Currently, Medtronic considers part–time as those who work 32 or less hours per week.
According to the Affordable Care Act (ACA), if an employee works a minimum of 30 hours per
week, they are considered full–time and large

What Are The Advantages And Disadvantages For Frontline Pr
This paper will examine some potential advantages and disadvantages for implementing a health
savings accounts (HSAs) at Frontline PR. Susan Berry, the human resources director at Frontline
PR, went to a national meeting on HSAs that sparked her interest in solving the high cost of
healthcare insurance problem that Frontline PR was having. Susan thinks that the HSAs plan is the
answer she needs to help her medical insurance coverage costs. Susan pitches the idea to Allison
Jones who is the director of finance. Although Allison believes that there are some benefits to HSAs,
Allison is not sure if HSAs are the correct choice for the organization. This paper will discuss
whether HSAs are recommended for Frontline PR and the reasoning behind the recommendation.
Keywords: HSAs, Frontline PR, Susan, Allisson, insurance
Frontline PR Case Study Upon returning from a national meeting on compensation and benefits, the
HR director of Frontline PR takes interest in HSAs as a reasonable choice for her organization.
Susan's organization has been battling with the cost of medical insurance expenses and are looking
for a solution to decrease company costs to healthcare for the employees. There are 150 individuals
that work for Frontline PR and the greater part of Frontline's representatives are qualified to take
part in Frontline PR's health insurance coverage benefits. Susan has talked about the HSA
alternative with Allison Jones who is the director of finance of Frontline

How Save Your Money Without Losing Purchasing Power
How to Save Page 1
How to Save
Ways To Save Your Money Without Losing Purchasing Power To Inflation
University of the People
1104 Macroeconomics
Instructor: Getachew Woldie
Due: Wednesday, 6 May 2015
How to Save Page 2
A man seeking financial advice said to his friend, "I need to start saving some of my income and
want it to retain as much value as possible, what are my options?"
"You have five main saving options." Replied his friend. "Cash, checking accounts, savings
accounts, bonds, or stocks. When saving you must keep inflation in mind. In order for your savings
to retain their value they must at least keep pace with inflation rates. If you wisely invest your
savings, then you can actually make a profit with it.
The average rate of ... Show more content on Helpwriting.net ...
You can easily get a checking account that has no fees or minimum balance requirements. A
checking account is only a small step above cash when it comes to saving. A checking account is
less risky as it protects your money in the bank from being stolen, etc., but it does not protect your
capital from inflation. It is also nearly as liquid as cash and is thus a fairly similar option.
Savings Accounts
Saving accounts, your third option is a step up from the last two options, but not by much. Like the
checking account you can get a saving account from most banks. The average savings account has a
0.06% APY, annual
How to Save Page 3 percentage yield, or interest. Thus a savings account is low risk and fairly
liquid like cash or a checking account, but still does not keep up with inflation rates.
Bonds
Bonds, the fourth option also have their pros and cons. A bond is essentially a certain amount of
money lent to a company or business for a set amount of time. A bond issuer such as the US
Treasury first decides that they need say $1 million, they then divide it up into say $1,000 sections
(the price of a bond is determined by supply and demand). Bond holders buy those bonds and at the
end of a period they turn their bonds in to receive their initial amount back plus some interest. The
amount of interest the holder receives is based on the riskiness of the bond and the market rates. The
benefits of bond holding are the interest which can help counteract the

RBC Tax-Free Savings Account Analysis
The RBC Tax–Free Savings Account is an adaptable venture account that lets you put something
aside for any short–or long haul objective–without being exhausted on your speculation profit or
when you pull back assets.
For instance, you can utilize your TFSA to put something aside for another auto, home remodels, a
get–away, an impromptu crisis, your retirement and more.The points of interest overseeing Tax–Free
Savings Accounts are set out in the Federal Income Tax Act and are controlled by the Canada
Revenue Agency (CRA). Beneath we have outlined the key angles you ought to know.
You might open the same number of TFSAs as you wish, the length of you stick to your
commitment limit. You are allowed to exchange your TFSAs between money related

Choosing The Right Financial Institution
Choosing the right financial institution to house your finances is imperative at any age or stage in
your life. Just as life presents changing circumstances, in most cases your money goals and needs
will fluctuate with each event. Banks and Credit Unions both allocate financial services to shelter
several of your financial needs. Electing to conduct business with either a bank verses a credit union
or even both is clearly only a decision that only you can make. However, implementing best
practices to manage your money and its longevity is a daily habit that will mold your money
management skills for the better. Taking into consideration the thought that the world is divided into
two common areas of concerns, health and finances. The reason being are both have an impact on
oneself and those that depend on the condition and performance of your health and finances. For
those two reasons knowing your options will aid in guiding you to institutions the most adequate
decision for your financial picture. Here are a few thoughts to consider before making a choice.
Before researching financial institutions, first identify your banking habits. Are you a check writer,
or a debit card user? Would you rather have full access your account online, or would you rather
conduct transactions in person? Although most banks and credits unions provide these basic features
that coincide with many types of checking a savings account, it's important to address any fees that
support the services.

Savings Account Proposal
Overview A client at age seventy to seventy–five, although they do not necessarily worry about how
much time they have left still have some life left that they must consider. Someone at this age range
would typically already have a family and might also have grandkids as well. Also for someone in
their declining years they would possibly already be in retirement and be in a steady place to retire.
Although our client has been settled in there life style there are still certain risk that they can still
face. One of the bigger risk they might face is running out of retirement money because they didn't
financially prepare themselves. One thing they can't really prepare for is the need for having
medicine at the old age for their health. Along with this, another risk they can have is just getting
bored ... Show more content on Helpwriting.net ...
This once again would be great for our client because this financial product holds very little risk to
him. The only thing our client will have to worry about how much coverage he will be getting while
his money is in here. If he goes to a bank that is FDIC insured his money will be safe all the way up
to 25,000 dollars, and even if he were to go over he can simply just move the excess money into a
new account so there is no risk. Although this does not offer as much interest as a CD it can still
make money while just sitting in the bank which is better than not making any at all. The bonus to
having a savings is hoe liquid these accounts are. The money can be acquired at any point and time
especially if he gets a debit card which will pull money straight from his account. This would come
in handy if there was ever an emergency and the money needed to be taken out at a time that they
were not expecting. This is helpful going with our client because he is in declining health and can
get certain illnesses and other issues where money will be needed to get that money out as quickly
as possible to pay off those

Statement Savings Account
When it comes to banking and creating accounts for money, it is a very serious matter. Depending
on spending rates, what one plans to do with the money, and whether or not they want to pay fees
and earn interest, decides which saving account is right for that specific person. In my case, the
statement savings account is right for me. In my situation a statement savings account is right
because it requires minimal fees, it is safe, and I can access money very quickly. Although, if
someone is looking for an account which they will earn high interest rate, choosing the Certificate of
Deposit, or money market savings account would be a better option. No matter which account one
goes with, it is always good to make sure the financial institution

The Financial Struggles Of The Future
Everyday we are faced with the financial struggles of the future. As college students we are worried
about pay rent, bills, and wondering how many times we can defer our student loans because our
bank accounts are on E. Then here are words like savings, retirement, and 401 k plans and it is a
completely foreign language to us. In our heads, how is it even plausible to think about saving
money, when all we see in our current life is money just being taken from us. We spend so much on
going through college trying to get somewhere in life because we were always told you need a
degree to make money. So here we are 4 years later, diploma in hand, and started the career, but
have 50,000 dollars in student loans and trying to plan for when we ... Show more content on
Helpwriting.net ...
In my head student loans were not an options because I did not want to owe a bank just because I
wanted to further my education. Thats when I decided that I would start out at a local college and
would transfer. After fighting with the university I wanted to go to and working in a nursing home, I
changed my major and ended up staying at the local college. Which made my tuition a whole lot
less. Although my tuition is now taken care of I still have to worry about rent, and bills. My part
time job barely covers everything, and if I were ever to get shorted on hours I would be tapping in to
the weak saving I have. So here I am living pay check to pay check and not only trying to plan and
gauge my future for the next 5, 10, 20 years but the big retirement. In my head I know how
important it is because I have watched my grandparents suffer over the years. My grandfather is 73
and works 6 days a week so him and my grandmother can back pay everything they missed when
she lost her job. I know I don't want to be that old, and working that much. I will want to be taking
care of grandkids and traveling everywhere I haven't already seen.
With every good retirement plan there needs to be an end goal. My end goal is to live comfortably; I
do not need a fancy house or expensive things. I wanting to have a car and house completely paid
off, with no plan on moving into a retirement

This Research Paper Is Talking About The High Deductible
This research paper is talking about the high deductible plans in the U.S and why it is growing in
popularity. The trend of the HDHP began before the passing of the Affordable Care Plan. One of the
reasons for this increase was believed to be the saving options that the HDHP offers to drive more
consumers. The number of employers that offered the HDHP went up very fast. Some researchers
say that the HDHP saves enrollees money, but it reduces preventative care. Other studies showed
that when individuals shifted from the low deductible health plan toward HDHP, the health care
spending dropped. The HDHP has more benefits to the young, healthy individuals than to the elderly
sick individuals. The question is why the HDHP is growing in ... Show more content on
Helpwriting.net ...
In 2015, HDHP covered 24% of the workers in the employers that offer it, up from just 4% in 2006
(Kaiser/HRET, 2015). The increase in the number of the HDHP enrollees didn't only occur in an
employment–based market, but also in an individual–based market due to high deductibles. In fact,
90 percent of the individuals covered by the Affordable Care Act (ACA) marketplace pay higher
deductible than the deductibles of the HDHP (Health Affairs, 2016). One of the reasons for this
increase is the saving options that the HDHP offer to drive more consumers. The consumers will
face high health care prices and this will make them think about whether deciding to look for care or
not. As a result, this will reduce health care spending. A study showed that when individuals shifted
from the low deductible health plan toward HDHP, their health spending dropped by 14% (RAND,
2011). Some researchers say that it's true that HDHP save money and cut health spending, but at the
same time it reduces preventative care (RAND, 2011). Individuals who are young and healthy and
are covered by the HDHP will avoid checking for their children immunizations, mammograms, or
any other screening unless in case of emergency. This, in turn, will cause more issues regarding
health later on. The HDHP has benefits to a young, healthy individual who doesn't need to

Regular Savings Account
A regular savings account requires you to put money into it each month. In return from lending
some money to the bank for that month they will add interest into your account based upon how
much money you have in your account, the high amount you have the higher interest you will
receive. A money market deposit account is a type of savings account. This savings account has a
slightly higher interest rate each month. But the downside of owning one of these saving accounts is
that you have to put in a higher amount of money each month. So if you have more money to
deposit it is better than a regular savings account. An online–only savings account is a savings
account that you can only access through the internet. These savings account are known ... Show
more content on Helpwriting.net ...
A mutual fund is a company that pools money from many investors and invests the money in
securities such as stocks, bonds, and short–term debt. The combined holdings of the mutual fund are
known as its portfolio. There are 4 types of mutual funds, money market funds, bond funds, stock
funds, target date funds. Real estate is property comprised of real estate can be grouped into three
broad categories based on its use: residential, commercial and industrial. Examples of residential
real estate include undeveloped land, houses, condominiums and town homes; examples of
commercial real estate are office buildings, warehouses and retail store buildings; and examples of
industrial real estate are factories, mines and farms. A 401k is a retirement savings account. It is set
up by your employer and has tax and savings advantages. There are different 401k plans that your
company might have. One of them might be a matching program. This is when you put in a certain
amount of money to your 401k, the company you work for will also pay a percentage of what you
put

Disadvantages And Cons Of Credit Unions And Bank Differences
Credit Union and Bank Differences
Who credit unions vs. banks age–old financial discussion will win you wonder? Which of the loan
option are more suits for the concept of loans for housewives? What are the implementations of
credit unions and bank loans process in UK? This article will help you make the right investment
decision, the pros and cons of both, credit unions and banks; we're going to try to explain.
The entire history of credit unions in UK, even to save taxpayer funds was not used a single time.
However, in a few cases the bank rescue, the taxpayer dollars with the 1980s and 1990s has been
involved in the savings and loan crisis. Most of the time, people wanted to invest in banks and credit
unions or together. And it comes of pros and cons of is. Generally, similar services are ... Show more
There is no external members and managers also like working on a voluntary basis, will provide
extremely useful this kind of editing. The banks have no ownership interest in any type of Bank
Customers. Banks generally may not belong to investors to its customers. Credit unions, however,
are non–obvious to the public and serves only to their members. Eligibility requirements may be too
tight, too, and they limit the number of members. Banks are usually open to the public. Any
restriction in the number of customers, in fact, try to get the number of customers are banks.
Credit unions are cooperative financial institutions for profit is not distributed to the members of the
back–and earrings. Banks are companies that profit to shareholders announced earnings payment.
Credit unions based on a charter from the Federal Government or is regulated by the State. National
Credit Union federal credit unions share Insurance Fund (NCUSIF) within the scope of the insured.
This is the bank loans in UK insurance fund is more powerful. Depending on the State, Federal
Government or a charter of banks by regulators are

What Do You Mean?
Sending money online is easier than ever these day, especially when you consider the availability of
money transfer and third–party wallet accounts. An increase in the use of transfer companies has led
to people making common mistakes when sending money online, so here we cover a few of the
most common mistakes and offer possible solutions so that you do not repeat your mistakes.
What Do I Mean By Third–Party And Transfer Accounts
When referring to transfer accounts and transfer companies, I am referring to online accounts that
transfer money without storing it. For example, Transferwise allows you to create online money
transfers, but it was not designed for holding money. However, PayPal allows you to transfer money,
but it is also ... Show more content on Helpwriting.net ...
Trying To Hide Overseas Income
If you are getting currency from overseas and it is classified as income, then your tax return will
become more difficult to fill out, and you may have to pay extra taxes. In order to avoid this, some
people will have foreign currency transferred into a third–party account, convert it, and then either
withdraw or transfer it.
H4 – – Avoid These Mistakes When Sending Money Online
You are free to do this if you wish, but there is a chance you will be in trouble with the IRS if they
discover that you are receiving currency from abroad. When the IRS looks at your bank statement,
they will see your currency (US dollars) entering your account from your third party service.
However, if they dig deep and take a look at your third party account, they will see that you have
been receiving money from overseas––and they may decide to punish you for not declaring it. If you
want to avoid any chance of getting in trouble, then declare your overseas income on your tax
return.
Using A Credit Card Rather Than A Debit Card
Some online money accounts will allow you to either fund your account with a credit card and/or
will allow you to transfer money by linking a credit card. It is more common with third–party
services that also allow you to buy things. However, unless your transfer is signaled as a purchase, it
is likely to be regarded as a cash advance.

Health Savings Account Essay
Are Health Savings Accounts Working Effectively?
Increasing health care costs has been a rampant issue in the US healthcare sector. In attempt to
address the issue, the government has enforced different measures. One of these measures includes
health savings accounts (HSAs), which were introduced on December 8, 2003 under the Bush
administration. HSAs were created under the Medicare Prescription Drug, Improvement, and
Modernization Act (Bonello & Lobo, 2012). HSAs work by allowing consumers to purchase a
costly health insurance with high deductable, before opening HSA account in financial institution,
whereby certain amount of contributions are made to the account. Tax–preferred basis is the main
approach of making the contributions. In other ... Show more content on Helpwriting.net ...
The most beneficiaries of HSAs do not required deductions offered under this accounts. This
apparently implies that the tax incentives offered under the HSAs undermine equality in the society.
Higher–earning individuals are in a better position to cater for their medical bills in spite of cost.
According to report by NCPA, (2013), HSAs which have been evolving under Obama
administration, are the courses of the problem in the US health Care sector. The report informs that
the accounts established the 3rd–party problem issue. Both the consumer and health care providers
(doctor or physician, or any other), lack the incentive to manage health care expenditures. In
economics, price is among the determinants that determine consumption of consumer.
NCPA, (2013) reported that consumers are more likely to consume more if prices decrease.
Economists also argue that demand is negatively correlated to price. That is, whenever price
increases, demand declines. This is very true according to law of demand and supply. The law
argues that quantity of product/service demanded in market declines/increases when price
increases/declines. As explained earlier, HSAs involve sharing of medical costs, and more
specifically, consumers are able to access costly medical care. Yet, neither consumers nor offers of
medical care are involved in evaluation of cost–benefit analysis in the entire

The Health Savings Accounts By Linda J. Blumberg
The health savings accounts were created in 2003, and the main purpose was to cover out of pocket
medical expenses during the year and to obtain wellness and greater quality of care. To open health
saving account, the person should buy an inexpensive health insurance plan which usually has a
high deductible. Therefore, the Health saving account provides the opportunity to cover out of
pocket costs. The American Benefits Council, from "Statement before the Subcommittee on Health
of the House Committee on Ways and Means" believes that health savings accounts are working
successfully and help many millions of Americans. In contrast, Linda J. Blumberg, from "Testimony
before the Subcommittee on Health of the House Committee on Ways and Means" ... Show more
Most recent data shows that people benefit from health saving accounts and that they have sufficient
amount on the account to cover out of pocket expenses. Furthermore, data indicates that health
saving accounts are not being used as tax shelters by people with high income. It reveals that
majority of individuals who has an account has incomes below $60,000. The most important that the
same survey establishes that 41% of health saving accounts purchasers did not have medical
insurance in the past six months period. Many people point out that money on those accounts may
be used for many reasons. However, the early data showed that customers of the accounts are using
their HSAs as proposed – mostly to cover qualified medical costs. The council has confidence in
those imposing third–party substantiation requirements on HSAs will increase expenses and limit
Americans' opportunities for health care coverage. These additional costs will limit the
attractiveness and efficacy of health savings accounts. Linda J. Blumberg has a diverse opinion
about health savings accounts. She demonstrates that those accounts could be beneficial only for
high–income customers. She states that "The GAO analysis found that the average adjusted gross
income of HAS participants was about $139,000 in 2005, compared with $57,000 for all other

Health Savings Account Essay
You might be wondering what a Health Savings Account is and whether or not it can be used in
conjunction with Medicare. A health savings account or HSA is an account that was created for
employees with a high–deductible health plan (HDHPS). The funds that are contributed to an HSA
do not get taxed when put into the account or when withdrawn as long as the funds are used to pay
for any qualified medical expenses that you incur.
It is possible that your HSA will be overseen by your employer, but it can also be looked after by
your bank, insurance company or credit union as well.
If you will be eligible for Medicare soon and you have an HSA, you need to understand how
enrolling in Medicare will affect your account and how you can use it.
How Do HSAs Work with High–Deductible Health Plans? ... Show more content on Helpwriting.net
...
Once the deductible is reached, the HDHP will cover your costs for the rest of the year.
Using an HSAAccount with a High–Deductible Health Plan
When you use an HSA account with a high–deductible health plan there are a few things you need to
keep in mind. Once you enroll in Medicare it will affect how you are able to use your HSA. For
example, you can't be enrolled in Medicare Part A and/or Part B and still contribute pre–tax dollars
to your HSA.
In order to keep contributing to your HSA, you are not able to have any other type of health
insurance other than an HDHP. On the month you are first eligible for Medicare, your account
should be changed over to zero dollars a month in order to avoid any tax penalties.
You may be able to still withdraw money, however, from your HSA once you enroll in Medicare in
order to help pay for any medical expenses you may incur. These expenses can include deductibles,
copayments, premiums and coinsurances. If you use the account for any qualified medical expense,
these funds will be

College Savings Account Essay
What is a college savings account and a debit card? A college savings account is when you save
money for college by using a debit card and a debit card I have saved my money since last year is a
card issued by a bank allowing the holder to transfer money electronically to another bank account
when making a purchase. The financial services industry affects my life in many ways. On a
personal level, I have a college savings account (debit card) that I will save money for my college
tuition. One reason is that there are few pros and cons of me using a debit card. The pros would be
like it takes me less time to complete a purchase and it keeps me within budget and the cons would
be like getting charged for extra fees and it will not help me to improve my credit ... Show more
In my opinion, some of the most essential reasons are taking out loans and it allows to pay expenses.
This is also because taking out loans can help me to borrow what I need by using a debit card by
looking carefully at a college cost, my cost of living, my family's contribution, my financial aid
award and paying the expenses in college like books, cost of dorm, etc. if necessary. This also
proves that, paying for college is not really easy by using a debit card that you must/should try to
work first, then apply to colleges that you are interested in going to get some scholarships and your
parents should be paying the other expenses for your college stuffs (paying the dorm, paying the
cost of living, etc.). The last reason is that, overall, the financial services industry plays an important
role in society and it is critical to the health of our economy. For another example, it helps
individuals save money and it will help them make more money. This lastly shows that, saving
money and making more money by using a debit card is quite really easy as long as you have work
and to get paid minimum

Banking Questions
Assignment 3: Banking
(16.0 points) 1. Visit the website of a large national bank, regional bank, or credit union, and use the
information you find there to answer the questions below. EXAMPLE: Some large banks you might
consider include Bank of America®, JPMorgan Chase®, Wells Fargo®, Citibank®, and U.S.
Bank®. a. What is the name of the bank or credit union? (0.5 points)
Answer: The name of the bank I choose is First Tennessee Bank.
b. List three facts about savings account options at the bank or credit union you chose. (3 sentences.
1.0 points)– One thing about
Product Features
c. List three facts about checking account options at the bank or credit union you chose. (3
sentences. 1.0 points) d. Does this bank ... Show more content on Helpwriting.net ...
(0.5 points)
b. List three differences you found between the accounts and features this bank or credit union offers
and the bank from question 1 above. (1–3 sentences. 1.0 points)
c. Which of the two banks or credit unions that you researched would you be most likely to choose
to open an account with? Why? (2–4 sentences. 2.5 points)
3. What type of bank risk would worry you the most as an account holder? How should the bank
protect itself against that risk? (2–4 sentences. 1.0 points)
4. If you had a bank account, which two methods of completing transactions do you think you
would use most frequently? Why? (2–4 sentences. 1.0 points)
5. In your Section_3 folder, navigate to and open the Example_Check_Register and
Example_Bank_Statement, and then answer the questions below.
a. According to the bank statement, how many checks were written from this account during the
statement period? (0.5 points)
b. There are two differences between the bank statement and the check register. Describe each of
them. (2–4 sentences. 1.0 points) TIP: These are transactions that Jessie Robinson forgot to write
down in the check register.

c. Do you think it is best to keep track of finances using a check register, a bank statement, or both?
Why? (2–4 sentences. 1.0 points)
d. List at least two non–discretionary expenses listed on the bank statement or check register. (1–2
sentences. 1.0

Essay on Planning to Purchase a First Home
Student name: Doan My Hanh Tran
Student ID: 2579564
Tutor: Jean Chin
Tutorial class time: Friday – 1.30PM to 3.30PM
BFIN001: Portfolio Assessment
2013 Semester 2
Assignment C (10% of Total Grade)
Planning to Purchase a First Home
Introduction
My name is Hannah Tran. I am an international student undertaking my last year for a Bachelor of
Business degree at University of Australia. I am living with my sister. However, I would like to
make up a plan to purchase my first home 8 years after graduating from university. At the end of this
year, I would have $6,000 set aside from home purchase. Each year, I would earn 5.5% interest on
savings. I do not expect receiving gifts from my family on the date of my first home purchase, as I
... Show more content on Helpwriting.net ...
Comment
This amount of annual saving is possible. $7,467.82 per year is equal to $622.32 per month, or
$143.61 per week. The minimum wages for employee in Australia is $15 an hour. Even international
student might work up to 20 hours a week, which is equal to $300. Since I am living with my sister
in Sydney, I do not have to pay for rent. While a typical international student might save money by
sharing a room with their friends, so that they might pay only $50 – $80 a week per person living in
suburb areas. Transportation and food might cost up to $70 a week per person, if people buy food
and cook by themselves. Plus, after my graduating, I might find a company to sponsor me. Thus,
there is no working limit. I might go to work more and save more for my plan as well. Therefore,
this saving target is achievable.
C. Risks [4 marks]
However, as future is unpredictable, there are some risks that might affect my first home financing
plan. These are two examples for the risks that I might have to face: 1. Unemployment a) As there
are more and more people coming to Australia to study and to seek for jobs, the competitive ratio is
higher and

finance assignment 1
Assignment 1:
Part 1: Economic Basics
(10.0 points)
Please BOLD/HIGHLIGHT your answers to make it easy for me to see your answers.
1. Describe two examples of important things that financial planning skills can help you do, and
explain why these things are important to you personally. (4–6 sentences. 2.0 points)
It makes a plan for you to save money in order to buy a house, a car, go to college or afford to move
into an apartment. I would like to start saving money so I could be able to move out on my own and
also to buy a car because right now I have to have my parents take me anywhere I want to go.
2. Imagine that you are considering moving to a new country and looking for a job there, but you
first want to make sure the country has a ... Show more content on Helpwriting.net ...
d. Fill out the Amount You Owe section if Jessie owes the IRS money.
e. Do not fill out the Third Party Designee Section, the Sign Here section, or the Paid Preparer's Use
Only Section.
f. Click the File menu, and then click Save so that your work is saved.
Part 3: Banking
(14.0 points)
1. Visit the website of a large national bank, regional bank, or credit union, and use the information
you find there to answer the questions below. EXAMPLE: Some large banks you might consider
include Bank of America®, JPMorgan Chase®, Wells Fargo®, Citibank®, and U.S. Bank®. a. What
is the name of the bank or credit union? (0.5 points)
1.0 points)
c. List three facts about checking account options at the bank or credit union you chose. (3
sentences. 1.0 points) d. Does this bank or credit union offer online banking? (0.5 points)
e. Would you be likely to choose this as your bank or credit union? Why or why not? List at least
two reasons for or against choosing this bank or credit union. (3–6 sentences. 2.0 points)
2. Visit the website of a second large national bank, regional bank, or credit union, and use the
information you find there to answer the questions below. a. What is the name of the bank or credit
union? (0.5 points)
b. List three differences you found between the accounts and features this bank or credit union offers
and the bank from

Healthcare Reform: The Patient Protection and The...
Healthcare reform has become an important issue with many Americans since the passage of the
Patient Protection and the Affordable Care Act in 2010. It took years of fighting and refining the bill
before it became law, and it represents the lasting legacy of the Obama administration. The Act will
allow millions of Americans who were previously uninsured to gain coverage through expanded
Medicaid and Medicare programs or through federal or state insurance exchanges. Although the idea
of providing healthcare to those who need it but can't afford it is a noble one, one major question
remains. Who will pay for the increase costs associated with expanding coverage? Health insurance
is predicated on the spreading of risk. The young and healthy are used to subsidize the cost
associated with the care of the old and unhealthy. Congress attempted to address this by placing
within the Affordable Care Act a provision which imposes a "tax" of one percent of taxable income
on any American who chose not to purchase insurance coverage with the tax increasing every year
up to 2.5% for every year they go without coverage. Despite this provision many young Americans
are opting out of health coverage and instead will pay the tax. Younger people are making this
choice because the tax they pay will ultimately cost them less than a year's worth of coverage. Not
having the younger population covering the costs of the unhealthy could lead to a "death spiral"
because private insurance companies are

Disadvantages Of Flexible Saving Account
Flexible saving Accounts (FSAs) are a kind of cafeteria plan letting employees to choose cash and
specified welfares by the method of a payroll inference that they designate each year. Such plan
enables the company to expand benefit selections on a tax–advantaged foundation to employees
with negligible extra out–of–pocket expenses. Flexible spending accounts provides several
advantages to Blue Post Company and the employees. Though, there are some difficulties to be
aware of. The most common one is the "utilize it or lose it" characteristic. Any amounts donated to
an account besides not consumed during the span of the year are lost to the Blue Post Company.
FSA can be set up as compensation degeneration plans which are financed totally with
representative commitments from their pay checks. The duty law restricts what amount can be
contributed every year by representatives to their adaptable spending accounts (Johnson et al, 2013).
The following are the types of ... Show more content on Helpwriting.net ...
Without this sort of arrangement, the employees may need to think of cash for co–pays when they
visit the specialist, remedy costs, and numerous other little expenses. Nonetheless, by utilizing a
Flexible Saving Account, the employees can maintain a strategic distance from a considerable
measure of these little costs and secure their financial plan (John et al., 2014). Another point of
preference of this sort of arrangement is that they can pay for over–the–counter medications. There
is a rundown of particular over–the–counter medications that can be paid for with assets from the
Flexible Saving Account. Numerous different sorts of health arrangements do not cover over–the–
counter medications in any structure. This furnishes employees with a considerable measure of
adaptability by the way they can utilize the assets from their Flexible Saving Account (John et al.,

How Does Someone Truly Convey Who They Are?
How does someone truly convey who they are, simply through paper and pen? It is difficult to fully
express what composes our character: the personal trials and courageous triumphs, the little quirks,
and the purest passions. However, I have come to the realization that the best way to describe
yourself is through the eyes of others. Therefore, my personality can be depicted through the
conclusion of my friends. They say that Strawberries and Cream ice cream perfectly reflects my
personality: bright, cheerful, and sweet. Furthermore, I wear many hats. I am not only a cheesy joke
lover, but an avid bookworm, an outdoor enthusiast, a science nerd, a wannabe chef, a dancer, and a
caring sister. Who I am is created through this compilation and ... Show more content on
Helpwriting.net ...
I had the honor of being able to present four checks during my year. Their beaming smiles made all
the hard work worth it. This last year I held the state position of Miss Wisconsin Job's Daughter. In
this office, I worked as the head of promotion for the state, but also as a role model for the girls.
During my term, it was my mission to instill confidence into the girls, encourage them to share their
individual gifts and talents, and make them realize their importance. I learned the significance of
supporting others, and that a kind word or action can make an impact. One of my duties as Miss
Wisconsin Job's Daughter was to run in the pageant for the title of Miss International Job's
Daughter. This rigorous competition lasted a week, and it consisted of an interview, a test, a public
speaking portion, an impromptu question on stage and overall stage presence during the pageant
itself. I competed against 32 girls from all over the United States, Brazil, the Philippines, Canada,
and Australia. While I was one of the youngest competitors in the pageant, I received first place in
the written test, second place in the public speaking portion, and overall won first runner–up. This
was an amazing experience that exposed me to other cultures, taught me valuable communication
skills, and gave me a plethora of lasting friendships around the world and memories. I am also very
active within my school's

Health Insurance Video
Are you new to health insurance or just would like a better understanding of how it works? It
certainly can be rough waters to navigate with lots of industry jargon that is difficult to grasp. There
is no shortage of quality information on the basics of health insurance to read, but what if you're
more of a visual learner? We've compiled 13 YouTube videos that explain, in plain language, how
our most important health and financial safety net works.
https://www.youtube.com/watch?v=hviyXk1Xz64
This video explains why you need health insurance. No one plans on becoming sick or injured, but
the reality is that most of us will at some point. Health insurance covers your care the expenses
when that time comes.
https://www.youtube.com/watch?v=UyZ37RQEGsg ... Show more content on Helpwriting.net ...
Many opt for a few months of interim emergency–only coverage, that is called a "catastrophic" plan.
There are a few pros and cons to having a plan like this and this video goes over them all.
https://www.youtube.com/watch?v=BgqZ3gXTC9M
If you're over 65, you are shopping for a Medicare plan, which has its own unique benefits and
expenses. This video covers the parts of the plan and what they each cover. It also goes into the
optional prescription drug plan.
https://www.youtube.com/watch?v=xCjz6Gtfdf4
This helpful video goes over the top 10 questions about Medicare and offers some tips for how to
get the most coverage for your dollar.
Shopping for a health insurance plan is not to be taken lightly. When you purchase a plan, you are
entering into a financial agreement with a company that could last years or more. To make sure that
you fully understand what is at stake and that you are providing an adequate safety net for yourself,
you need to learn about the product. By reading articles on the basics and watching videos on the
ins–and–outs of the plans, you'll become a savvy

Personal Narrative: My Personal Savings Account
I have a very strong relationship with money and know how to use (and save) it effectively. I have a
personal savings account which was opened by my dad when I was very young. Any time I got
some birthday money or any other type of cash, my dad and I would go to the bank and put it in my
saving account. Over the years I have put a lot of money into savings and continue to do so. Most of
the money that have in there now is from my 4–H projects and from the sale of my 4–H steers. I
opened a checking account for my 4–H steers last year. I needed a better way to keep track of
transactions and an easier way to pay out money to whomever I was paying. I use it primarily for
my 4–H project but I also have a debit card connected to the account. I use the debit card for gas and
if I forgot to grab cash, but I try to keep my use minimal. I keep less than $300 in the account at any
given time, but I don't want to risk even losing that much. The beef project is, in my opinion, one of
the most ... Show more content on Helpwriting.net ...
I really enjoy being the treasurer of the 4–H club because I have learned a ton about accounting and
record keeping. Every year I have to adjust the club's budget and add or remove any items from the
list. I also have to calculate the amount of fundraising we would have to do to cover our expenses.
In addition to making a budget, I have to keep records of the club's financial transactions. I keep the
records on a monthly schedule and prefer an accrual method to accounting. The accrual accounting
method calculates transactions that happened in that month rather than what passes through the
bank. This keeps the books more accurate to what happened in that month. I have also learned how
to balance a checkbook during my time as treasurer. I really figured out why people want you to
deposit or cash their checks right away because it makes for a giant headache if they

High Deductible Health Plans : Growing Popularity And...
High Deductible Health Plans: Their Growing Popularity and Impact on Consumers
The changing landscape of the current health care system in the United States has caused new
methods of insurance to gain in popularity. The High–deductible health plan (HDHP) is increasingly
favored by employers and offered on the exchanges created under the Affordable Care Act (ACA).
According to the Centers for Medicare & Medicaid Services (CMS) a HDHP is "a plan that features
higher deductibles than traditional insurance plans. High deductible health plans (HDHPs) can be
combined with a health savings account or a health reimbursement arrangement" (2015). In the
HDHPs premiums are lower, offset by the higher deductible. The health reimbursement arrangement
(HRA) the employer contributes to a fund for medical expenses while in the health savings account
(HSA) which employees pay into but is not required of the employer (Shi & Singh, 2012, p. 208).
The growing popularity of these plans is important as it will have effects on the healthcare costs as
well as how consumers use healthcare.
Popularity of High Deductible Health Plans The popularity of HDHPs has grown exponentially in
recent years. In 2005 HDHPs did not cover any employees but by 2013 around 20% of employees
were covered by HDHPs (Kaiser Family Foundation, 2013). Furthermore, under the ACA HDHPs
are offered in the lower tier plans and also allows the continued use of HDHPs by employers. By
2013 40% of large companies offered HDHPs to

Health Savings Accounts Analysis
The Medicare Modernization Act of 2003 created Health Savings Accounts (HSAs), as a tool to help
control health care costs. HSAs are tax free accounts that are designed to aid individuals in saving
for future medical expenses (NCSL, 2016). It was widely believed that individuals would spend
their health care dollars more wisely if they were spending their own money (Mayoclinic, 2016).
These savings accounts are often paired with a high deductible health plans and now have become
the most common type of Consumer Driven Health Plans (CDHP) (LoSasso, Shah & Frogner,
2010). The savings account is funded with pretax dollars which are used to pay for health
expenditures. The accounts contributions earn interest and are owned by the individual, ... Show
An individual might find themselves in the position in which they may have to use after tax dollars
to fund their HSA. In addition to individuals should not depend on their HSA as a supplemental
retirement vehicle (Sedhom, 2008). As an accounts balance grows, individuals may be tempted to
avoid medical care. Thus these individuals who chose to ignore their health may delay treatment and
force themselves into an extremely costly situation. HSAs do offer choices for consumers and may
have a continued place in the future of medicine. HSAs have changed the landscape of how the
health care system in the United States works. Pricing is driven by competition and HSAs are an
avenue of approach. Currently, HSAs have spurred competition in the financial sector due to
financial groups catering to investors (Klug & Chianese, 2010). No one knows what the future
holds, but the current data supports HSAs to be a success. I personally am still wary of them and I
feel the verdict has yet to be determined about the overall value of

Essay On Savings Account
Therefore, we wouldn't be able to start a savings account to consolidate a business, we couldn't even
get the same car insurance due his lack of driver's license. For me, it was stressful knowing he could
be stopped by the police and had the car taken away, why wouldn't he let me help him to resolve
those issues? By the time we needed to file taxes, I organized all my documents in a shoe box and
asked him to schedule an appointment with the Tax preparer. We were married and I told him we
needed to file together.
Samuel told me that he had already gone with his friend Frank and that we had to pay $2700 to the
IRS. He asked me for $1000 dollars and he would take care of the rest, I was in shock because I
didn't understand why we had to pay ... Show more content on Helpwriting.net ...
My mother felt scared and asked him not to hurt me, that she would give him the box because it was
in my car. He was really angry and insulting me. I felt so scared and ran into my bedroom to grab
some clothes, my mother and I left the house and I just remembered telling him he could file the
divorce, that I didn't want to be with him anymore and that I would return to pick up my things.
I felt humiliated in front of my mother, worried for her health because she suffers from high blood
pressure. I'm trained to work as security guard, I know I would be able to stop him but, I was in
shock, his behavior was unexpected and I felt emotionally conflicted. Why was Samuel acting that
aggressive?
I returned to the house the next day to pick up my things, I thought he would be more tranquil. I
found out that he changed the locks of the house and he would not answer the phone.
I called the police to see if they could help me get my things but I didn't no report he threatened me
with a knife. The only thing I wanted was to recover my cars and personal documents and I thought
that with the police help, he wouldn't act crazy. The police said that was not a police issue, that I
needed to go through the court because we were getting through a separation. So, I asked my brother
and two friends to go with me and tried to talk to him in order to recover my things, he also owed
money to my brother but at that point I just wanted my personal belongings.
He called

Case Study Of Hispanic Growth Strategies
Hispanic Growth Strategy Updates
Ramon will begin to do business development starting in October
Stamford FCU kicked off Hispanic Heritage Month (HHM) with a staff celebration on September
15th. For the duration of HHM, the credit union staff will wear buttons wishing members a Happy
Hispanic Heritage Month.
Ramon will begin build relations and partnership with community organizations. Ramon has a
background in banking, radio, and comedy. Stamford is confident Ramon's personality will be well
liked by the Hispanic community.
Ramon would like to reach potential Hispanic members at their jobs. Building relationships with
local employers will hopefully get his foot on the door.
Stamford has two meetings coming up with local ... Show more content on Helpwriting.net ...
Coopera suggests exploring the possibility of having an unsecured credit building product for their
members.
Coopera will share a sample credit building policy from Des Moines Metro Credit Union.
Coopera will draft talking points for Ramon and other staff members to use when meeting with local
organizations to build partnerships.
Stamford and Coopera will have an ongoing conversation about products enhancements.
Coopera Team Transition Period
Alba's last week with Coopera was the week of September 25th. She has the opportunity to go back
to her native country to spend time with her father.
Miriam de Dios, CEO, will be the primary liaison in the partnership between Stamford and Coopera
Coopera is dedicated to help Stamford enhance and growth their Hispanic growth efforts.
Credit Unions and the Rescission of DACA
Stamford is familiar with Deferred Action for Childhood Arrivals (DACA) program. They are aware
that the program has been rescinded and is right now with Congress.
It is important to keep discussing this topic for it might affect employee and credit union members.
Digital Marketing Opportunities
The Spanish marketing campaigns are surpassing English marketing campaigns in return of
investment
Coopera is partnering with an organization to introduce a new digital marketing tool that will utilize
IP address to reach the Hispanic market. Miriam will send Dave and Bo more information about this

innovative product
Sherly Heredina is

Length and Savings Account Essay examples
1. If 5 times the value of a number is increased by 3, the result is 28. What is the number?
5x+3=28
5x=25 x=5 The answer is 5
2. If 4 times the reciprocal of a number is 3 more than 5/2 times the reciprocal of that number, find
the number.
4*(1/x)=(5/2)*(1/x)+3
4/x=(5/2x)+3
(8/2x)=(5/2x)+3
(8/2x)–(5/2x)=3
(3/2x)=3
x=1/2
The answer would be x=1/2
3. John had $30,000 to invest. He invested part of this money in bonds paying 12% annual simple
interest and the rest of the money in a savings account giving 4% annual interest. At the end of the
year, he received $2,400 as extra income. How much money did John place in each investment?
.4x+.12(30000–x)=2400
.04x+.12(30000)–.12x=2400
.04x+3600–.12x=2400
.12x–.04x+3600=2400 ... Show more content on Helpwriting.net ...
The length of a rectangular field is 50 feet less than its width. If the perimeter of the field is 840 feet,
find the length of the field
2x+2y=840
2(y–50)+2y=840
2y–100+2y=840
4y=940 y=235 x=235–50 x=185 The length of the field would be 185Ft.
11. Alan participated in a car race in which he had to cover a distance of at least 50 kilometers. He
had fuel in his car for a maximum distance of 53 kilometers. If the distance is given by , where t is
the time in hours, find the minimum and maximum number of hours for which Alan can drive his
car. for at least 50 km s (t)=3t+47 s (t) =50
50=3t+47
3t=3 t=1 hour for a maximum of 53 km s(t)=53 53=3t+47
3t=6
t=2 hours
The minimum number of hours which Alan can drive is 1 hour. the maximum Alan can drive is

2hours.
12. in a 2–digit number, the number in the unit's place is 4 more than the number in the ten's place.
If the digits of the number are reversed, the new number is 6 more than thrice the original number.
Find the original number.
13.
x= units digit y=tens digit
10x+y=3(10y+x)+6
7x–29y=6
7(y+4)–29y=6
7y+28–29y=6
–22y=–22
y=1
Therefore x=5
Therefore the original number is

Is Outsourcing Medical Billing Worth the Cost? Essay
Outsourcing medical billing in today's economy; is it worth the cost? This is a question I am sure
many physicians find themselves asking. When the real question should be: "Can you afford not to
outsource your medical billing in today's economy? "
Having worked in a medical office for many years and doing medical billing in that office, I have
seen first hand the lack of attention and dedication that is placed on the medical billing department.
Many times in a busy medical office the job of doing the billing may be placed on someone who has
extra time on their hands or has "down time" from their regular duties. If the physician does have an
actual billing department with staff dedicated to billing, many times they do not work as ... Show
It is crucial to the success of a practice to have a very personalized relationship with the billing
company. The billing company should function as an extension of the physician's office working
toward mutual goals.
It is imperative to research the billing company prior to hiring them. Do they have certified coders
working for them? Do they have the resources to know the most up to date changes from the
insurance carriers? What software do they use? Do they provide in– depth reports on a regular basis
to track A/R ? Do they provide training and updates to the front staff of the office, (where the actual
medical billing process begins)? These are questions that should be asked of any prospective
medical billing company. A physician should feel confident in the billing company's answers and
have an excellent rapport with their staff.
Training front office staff is one of the most crucial aspects of the billing process. The front staff is
usually responsible for obtaining the correct demographic information as well as insurance
information from the patient. Without the correct information the claims will never be paid. This is
why training front staff on insurances, collecting co–pays and knowing when to collect for
additional charges that may not be covered by the patient's insurance is

Assignment 3
Assignment 3: Banking
(16.0 points) 1. Visit the website of a large national bank, regional bank, or credit union, and use the
information you find there to answer the questions below. EXAMPLE: Some large banks you might
consider include Bank of America®, JPMorgan Chase®, Wells Fargo®, Citibank®, and U.S.
Bank®. a. What is the name of the bank or credit union? (0.5 points) Answer: Bank of America
1.0 points) Answer: regular savings is for standard savings account; it's good if you're just started
saving up. Personal savings is if you want to earn more interest with your balance account.
c. List three facts ... Show more content on Helpwriting.net ...
c. Which of the two banks or credit unions that you researched would you be most likely to choose
to open an account with? Why? (2–4 sentences. 2.5 points) Answer: Bank of America because it just
seem more reliable to me. It's more of a savings account bank than a checking account bank.
3. What type of bank risk would worry you the most as an account holder? How should the bank
protect itself against that risk? (2–4 sentences. 1.0 points)
Answer: I worry about my cash being stolen.
4. If you had a bank account, which two methods of completing transactions do you think you
would use most frequently? Why? (2–4 sentences. 1.0 points) Answer: I would do debit cards and
cash.
5. In your Section_3 folder, navigate to and open the Example_Check_Register and
Example_Bank_Statement, and then answer the questions below. a. According to the bank
statement, how many checks were written from this account during the statement period? (0.5
points) Answer: 8
b. There are two differences between the bank statement and the check register. Describe each of
them. (2–4 sentences. 1.0 points) TIP: These are transactions that Jessie Robinson forgot to write
down in the check register. Answer: the check register describes in detail how she spent her money
the bank statement just informs you.
c. Do you think it is best to keep track of finances using a check register, a bank statement, or both?
Why? (2–4 sentences. 1.0 points) Answer: I think it's best to use

Health Savings Account

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