The document provides an overview of key provisions and issues related to the Affordable Care Act (ACA). It summarizes major ACA policies such as the individual mandate, subsidies, Medicaid expansion, and employer requirements. It also discusses ongoing debates around the ACA, including the impact on states, employers, costs, and the health care workforce. Overall, the summary captures the high-level goal of expanding coverage while acknowledging implementation challenges and differing opinions about the law.
The Economics Center created an analytical tool to forecast commercial property values and TIF revenues for TIF districts. This tool is simple and dynamic, requiring a minimum amount of user input but still flexible in constructing optimistic and pessimistic forecasts to approximate a variety of underlying conditions.
The Economics Center created an analytical tool to forecast commercial property values and TIF revenues for TIF districts. This tool is simple and dynamic, requiring a minimum amount of user input but still flexible in constructing optimistic and pessimistic forecasts to approximate a variety of underlying conditions.
The Election is over. Health care Reform is here to stay, and Colorado is also moving forward on a number of health care issues independently of the federal government. Conversely, employers in the state have to make huge employee benefit decisions based on changing and sometimes limited information.
IntroductionFinancial Projection ModelThis spreadsheet walks you t.docxnormanibarber20063
IntroductionFinancial Projection ModelThis spreadsheet walks you through the process of developing an integrated set of financial projections.To use this model, simply complete any information asked for found in the color yellow.Example: Fill in boxes that look like this- 0A number found in the color green is optional information that you can complete.Example: Check these assumptions- 0Otherwise, any information found in black type is automatically calculated for you.Although the cells that are calculated are locked (or protected), you can turn off this protection to modify the sheets.To do this, select "Tools" from the menu bar at the top of the screen. Then select, "Protection."Finally, select "Unprotect Sheet" and you will be able to edit any labels or formulas.Before you begin, we need some information about your business to best customize your financial statements.Please enter the name of your business in the box below:Enter Your Business Name HereThe first six worksheets in this workbook are steps you will need to complete. They are titled:1. Required Start-Up Funds2. Salaries and Wages3. Fixed Operating Expenses4. Projected Sales Forecast (2 sheets)5. Cash Receipts and DisbursementsThe sixth step titled, "Beginning Balance Sheet" is for existing businesses only.Begin by clicking on the tabs belowq
1. Required Start-Up FundsEnter Your Business Name Here11-Jul-08Required Start-Up FundsRequired Start-Up FundsAmountTotalsDepreciationNotesFixed AssetsReal Estate$ - 0Buildings- 020.00yearsLeasehold Improvements- 07.00yearsEquipment- 07.00yearsFurniture and Fixtures- 05.00yearsVehicles- 05.00yearsOther Fixed Assets- 05.00yearsTotal Fixed Assets- 0Operating CapitalPre-Opening Salaries and Wages- 0Prepaid Insurance Premiums- 0Beginning Inventory- 0Legal and Accounting Fees- 0Rent Deposits- 0Utility Deposits- 0Supplies- 0Advertising and Promotions- 0Licenses- 0Other Initial Start-Up Costs- 0Working Capital (Cash On Hand)- 0Total Operating Capital- 0Total Required Funds$ - 0Sources of FundingAmountTotalsLoan RateTerm in MonthsMonthly PaymentsOwner's Cash Injection0.00%- 0Outside Investors0.00%- 0Additional Loans or DebtCommercial Loan0.00%- 09.00%84.00$0.00Commercial Mortgage0.00%- 09.00%240.00$0.00Total Sources of Funding0.00%$ - 0$0.000$ - 0
2. Salaries and WagesEnter Your Business Name Here11-Jul-08Salaries and WagesSalaries and Related Expenses#AssumptionsWage BaseMonthlyYear OneYear TwoYear ThreePercent Change3.00%3.00%Salaries and WagesOwner's Compensation0$ - 0- 0- 0- 0Salaries0- 0- 0- 0- 0WagesFull-Time Employees0- 0- 0- 0- 0Estimated Hours Per Week40.00Estimated Rate Per Hour$ 9.00Part-Time Employees0- 0- 0- 0- 0Estimated Hours Per Week20.00Estimated Rate Per Hour$ 9.00Independent Contractors- 0- 0- 0- 0Total Salaries and Wages0- 0- 0- 0- 0Payroll Taxes and BenefitsSocial Security6.20%$ 102,000- 0- 0- 0- 0Medicare1.45%- 0- 0- 0- 0Federal Unemployment Tax (FUTA)0.80%$ 7,000- 0- 0- 0- 0State Unemployment Tax (SUT.
With the current expected credit loss (CECL) model for the Allowance on the horizon, bankers will be asked to create future-looking methodologies that adjust for reasonable and supportable forecasts. Without adequate modeling experience, that can be a challenge for community banks and credit unions.
Watch the full webinar here: http://web.sageworks.com/forward-looking-alll-adjustments/
The Pursuit of Growth: Is Your Sales and Operations Planning (S&OP) "Glocal" ...Steelwedge
Steelwedge Agility Webinar Series
Featured Presenter - Chris Turner, Co-Founder of strategy and change management consulting firm, StrataBridge
Picking up from his popular September Webinar: S&OP Strategy to Bridge the Agility Gap, Chris Turner advances the dialogue on S&OP and the shifting balance of control vs. growth—this time with a look at the prospects and pitfalls of balancing global, regional and local planning and decision making. This interactive session will explore the issues surrounding the globalization paradox and the complexities of the ever flattening (but still lumpy and uneven) world. He’ll take the discussion beyond just geography—to get to the issues that strategic business planning needs to address for enabling growth.
This event will question some traditional S&OP/IBP beliefs that could be hampering your business’ success and will address 7 areas of focus to reset your global potential:
• Strategy choices: Where to play? How to win?
• Organizational shape: its impact on decision-making
• Key decisions: critical touch points to drive coherent actions
• Making better decisions with partial information: the implications
• Leveraging technology: separating the signal from the noise
• Trial, error and learning: faster results through heuristics
• Overcoming the Laws of Change and Entropy
To learn more about S&OP please visit: http://www.steelwedge.com/solutions/
John Allen takes an in-depth look at HR Outsourcing and discusses who should be outsourcing to a and why, how small and mid-size businesses can take advantage of HR outsourcing administrative functions and common questions and answers in regards to PEO services.
Curt Welling April 30, 2014 Webinar Slidestuckalumni
On April 30th, Curt Welling D’71, T’77, Former AmeriCares president and CEO, senior fellow at Tuck’s Center for Global Business and Government and the Center for Business & Society, discusses the challenges around emergency response.
Breakfast with Matt Slaughter - The Global Economic Outlook: What's Next?tuckalumni
The Global Economic Outlook: What's Next?
Here in mid-2012, the global economy continues to expand but also to face significant risks. In Europe, the financial crisis of many banks and sovereigns has worsened in recent months. In the United States, growth in employment and output remain slow—and several difficult fiscal choices await the end of the year. Many BRIC-and-beyond countries continue to grow fast—but in China and India, most notably, growth has slowed the past year. This inaugural “Breakfast with Matt” will examine some of the main factors in the global economic outlook.
About Matthew Slaughter
Associate Dean for the MBA Program; Signal Companies Professor of Management
In addition to academic scholarship, Dean Slaughter writes general-interest items for the business and policy communities. Slaughter has also given speeches to and testified before both chambers of the U.S. Congress. His work and ideas have been widely featured in business media.
Explore natural remedies for syphilis treatment in Singapore. Discover alternative therapies, herbal remedies, and lifestyle changes that may complement conventional treatments. Learn about holistic approaches to managing syphilis symptoms and supporting overall health.
- Video recording of this lecture in English language: https://youtu.be/lK81BzxMqdo
- Video recording of this lecture in Arabic language: https://youtu.be/Ve4P0COk9OI
- Link to download the book free: https://nephrotube.blogspot.com/p/nephrotube-nephrology-books.html
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Report Back from SGO 2024: What’s the Latest in Cervical Cancer?bkling
Are you curious about what’s new in cervical cancer research or unsure what the findings mean? Join Dr. Emily Ko, a gynecologic oncologist at Penn Medicine, to learn about the latest updates from the Society of Gynecologic Oncology (SGO) 2024 Annual Meeting on Women’s Cancer. Dr. Ko will discuss what the research presented at the conference means for you and answer your questions about the new developments.
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Title: Sense of Taste
Presenter: Dr. Faiza, Assistant Professor of Physiology
Qualifications:
MBBS (Best Graduate, AIMC Lahore)
FCPS Physiology
ICMT, CHPE, DHPE (STMU)
MPH (GC University, Faisalabad)
MBA (Virtual University of Pakistan)
Learning Objectives:
Describe the structure and function of taste buds.
Describe the relationship between the taste threshold and taste index of common substances.
Explain the chemical basis and signal transduction of taste perception for each type of primary taste sensation.
Recognize different abnormalities of taste perception and their causes.
Key Topics:
Significance of Taste Sensation:
Differentiation between pleasant and harmful food
Influence on behavior
Selection of food based on metabolic needs
Receptors of Taste:
Taste buds on the tongue
Influence of sense of smell, texture of food, and pain stimulation (e.g., by pepper)
Primary and Secondary Taste Sensations:
Primary taste sensations: Sweet, Sour, Salty, Bitter, Umami
Chemical basis and signal transduction mechanisms for each taste
Taste Threshold and Index:
Taste threshold values for Sweet (sucrose), Salty (NaCl), Sour (HCl), and Bitter (Quinine)
Taste index relationship: Inversely proportional to taste threshold
Taste Blindness:
Inability to taste certain substances, particularly thiourea compounds
Example: Phenylthiocarbamide
Structure and Function of Taste Buds:
Composition: Epithelial cells, Sustentacular/Supporting cells, Taste cells, Basal cells
Features: Taste pores, Taste hairs/microvilli, and Taste nerve fibers
Location of Taste Buds:
Found in papillae of the tongue (Fungiform, Circumvallate, Foliate)
Also present on the palate, tonsillar pillars, epiglottis, and proximal esophagus
Mechanism of Taste Stimulation:
Interaction of taste substances with receptors on microvilli
Signal transduction pathways for Umami, Sweet, Bitter, Sour, and Salty tastes
Taste Sensitivity and Adaptation:
Decrease in sensitivity with age
Rapid adaptation of taste sensation
Role of Saliva in Taste:
Dissolution of tastants to reach receptors
Washing away the stimulus
Taste Preferences and Aversions:
Mechanisms behind taste preference and aversion
Influence of receptors and neural pathways
Impact of Sensory Nerve Damage:
Degeneration of taste buds if the sensory nerve fiber is cut
Abnormalities of Taste Detection:
Conditions: Ageusia, Hypogeusia, Dysgeusia (parageusia)
Causes: Nerve damage, neurological disorders, infections, poor oral hygiene, adverse drug effects, deficiencies, aging, tobacco use, altered neurotransmitter levels
Neurotransmitters and Taste Threshold:
Effects of serotonin (5-HT) and norepinephrine (NE) on taste sensitivity
Supertasters:
25% of the population with heightened sensitivity to taste, especially bitterness
Increased number of fungiform papillae
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Tom Selleck Health: A Comprehensive Look at the Iconic Actor’s Wellness Journeygreendigital
Tom Selleck, an enduring figure in Hollywood. has captivated audiences for decades with his rugged charm, iconic moustache. and memorable roles in television and film. From his breakout role as Thomas Magnum in Magnum P.I. to his current portrayal of Frank Reagan in Blue Bloods. Selleck's career has spanned over 50 years. But beyond his professional achievements. fans have often been curious about Tom Selleck Health. especially as he has aged in the public eye.
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Introduction
Many have been interested in Tom Selleck health. not only because of his enduring presence on screen but also because of the challenges. and lifestyle choices he has faced and made over the years. This article delves into the various aspects of Tom Selleck health. exploring his fitness regimen, diet, mental health. and the challenges he has encountered as he ages. We'll look at how he maintains his well-being. the health issues he has faced, and his approach to ageing .
Early Life and Career
Childhood and Athletic Beginnings
Tom Selleck was born on January 29, 1945, in Detroit, Michigan, and grew up in Sherman Oaks, California. From an early age, he was involved in sports, particularly basketball. which played a significant role in his physical development. His athletic pursuits continued into college. where he attended the University of Southern California (USC) on a basketball scholarship. This early involvement in sports laid a strong foundation for his physical health and disciplined lifestyle.
Transition to Acting
Selleck's transition from an athlete to an actor came with its physical demands. His first significant role in "Magnum P.I." required him to perform various stunts and maintain a fit appearance. This role, which he played from 1980 to 1988. necessitated a rigorous fitness routine to meet the show's demands. setting the stage for his long-term commitment to health and wellness.
Fitness Regimen
Workout Routine
Tom Selleck health and fitness regimen has evolved. adapting to his changing roles and age. During his "Magnum, P.I." days. Selleck's workouts were intense and focused on building and maintaining muscle mass. His routine included weightlifting, cardiovascular exercises. and specific training for the stunts he performed on the show.
Selleck adjusted his fitness routine as he aged to suit his body's needs. Today, his workouts focus on maintaining flexibility, strength, and cardiovascular health. He incorporates low-impact exercises such as swimming, walking, and light weightlifting. This balanced approach helps him stay fit without putting undue strain on his joints and muscles.
Importance of Flexibility and Mobility
In recent years, Selleck has emphasized the importance of flexibility and mobility in his fitness regimen. Understanding the natural decline in muscle mass and joint flexibility with age. he includes stretching and yoga in his routine. These practices help prevent injuries, improve posture, and maintain mobilit
These lecture slides, by Dr Sidra Arshad, offer a quick overview of physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar leads (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
Anti ulcer drugs and their Advance pharmacology ||
Anti-ulcer drugs are medications used to prevent and treat ulcers in the stomach and upper part of the small intestine (duodenal ulcers). These ulcers are often caused by an imbalance between stomach acid and the mucosal lining, which protects the stomach lining.
||Scope: Overview of various classes of anti-ulcer drugs, their mechanisms of action, indications, side effects, and clinical considerations.
4. Summary
of
ACA
• Individual
requirement
• Subsidies
to
individuals
– Tax
of
$695
or
2.5%
of
up
to
400%
FPL
taxable
income
in
2016
• Exchanges
created
by
– Only
$95
in
2014
states
• Employer
requirement
to
– Benefit
Lers
offer
“minimum
essenLal
• General
insurance
rules:
coverage”
– Guaranteed
issue,
no
life
– Only
employers
with
>50
limits,
no
pre-‐exisLng
FTE
clauses,
limits
on
premium
– PenalLes
for
not
offering
variaLon
coverage
or
offering
• Taxes:
ñMedicare,
unaffordable
coverage
Cadillac
plans,
Pharma
• Small
employer
tax
credit
and
Devices,
Insurance,
• Medicaid
expansion
Tanning
Salons
5. Summary
of
ACA,
con/nued
• Medicare
$
changes
• Several
measures
to
– Ind.
Payment
Adv.
Board
“improve
quality,
health
– Cut
in
DisproporLonate
system
performance”
Share
Hospital
Payments
– ACOs
– Cut
in
growth
rate
of
– InnovaLon
Center
Medicare
payments
– ComparaLve
– Restructure
payments
effecLveness
research
for
Medicare
Advantage
– Medicare
pilot
program
on
bundled
payment
• NaLonal
strategy
on
prevenLon/wellness
6. The
subsidies
(tax
credits)
are
substan/al
Congressional
Research
Service,
Private
Health
Insurance
Provisions,
4/15/10
9. What
do
I
think?
• On
the
plus
side
• On
the
minus
side
– Expansion
of
coverage
to
– Hodgepodge
of
taxes
needy
– Doesn’t
move
away
from
– Sorely
needed
fixes
to
employer
sponsored
health
insurance
markets
insurance
– Some
impetus
and
a
– Doesn’t
break
down
state
plaGorm
for
barriers
experimenta/on
(ACO,
– Too
much
government
bundled
payments)
control
over
benefits
design
– Exacerbates
market
power
on
supplier
side
– Cons/tu/onal
issues
linger
17. “...Last
year,
Georgia
hospitals
lost
an
esLmated
$1.5
billion
caring
for
people
without
insurance...The
promise
of
fewer
uninsured
is
what
led
the
naLonal
hospital
industry
to
agree
to
the
health
law’s
$155
billion
in
Medicare
and
Medicaid
cuts
over
a
10
year
period.”
“Hospitals
face
lower
payments
from
insurers
and
pressures
to
consolidate.
One
in
three
Georgia
hospitals
lose
money...”
“Georgia
is
one
of
at
least
10
states
that
may
reject
the
Medicaid
expansion,
according
to...the
nonprofit
Brookings
InsLtuLon.”
“Get
as
big
as
you
can
get
and
as
strong
as
you
can
get
as
an
organizaLon
is
the
overarching
strategy,”
Jennings
said
(CEO
of
Wellstar
Health
System
in
Atlanta)
Williams
and
Teegardin,
Atlanta
Journal
ConsLtuLon,
July
8,
2012
18. Issue
#3:
Employer
Sponsored
Insurance:
Will
it
Disappear
under
ACA?
• You
cannot
just
compare
the
penalty
with
the
cost
of
an
employer
providing
health
insurance!
– Dropping
a
benefit
is
not
free...
• Indeed,
why
would
a
penalty
on
employers
for
not
providing
insurance
lead
to
a
decline
in
ESI??
• The
right
comparison
is
penalty
to
employer
vs.
subsidy
to
employees
on
exchange,
less
tax
advantage
of
employer-‐provided
insurance
19. L
DuBay,
SK
Long,
and
E
Lawton,
Will
Health
Reform
Lead
to
Job
Loss?
Urban
InsLtute,
June
2012.
Thanks
to
J.
Skinner,
Dartmouth,
for
slide.
21. Issue
#4:
Isn’t
the
employer
mandate
a
tax
on
employees?
Wage
S1
Demand,
supply
of
labor
D1
D2
Labor
22. As
a
first
approximaLon,
wages
should
fall
and
employment
stay
the
same
S1
Wage
S2
Demand,
supply
of
labor
D1
D2
Labor
23. Caveats
• If
insurance
was
not
available
compeLLvely,
employees
might
value
it
more
than
cost
to
employer
• On
the
other
hand,
some
employees
might
prefer
cash
to
health
insurance...especially
with
exchange-‐
available
insurance
• And
wages
tend
to
be
inflexible
downward...especially
at
low
wage
levels
• And
many
employers
have
already
chosen
to
not
offer
insurance...
Overall,
I
have
a
hard
/me
not
seeing
this
as
a
net
tax
on
employment
24. Opportuni/es
• Mergers
– (NYU
Langone/ConLnuum/Mt.
Sinai)
– Turs
Health
Plan
buys
Network
Health
– Yesterday:
Wellpoint
acquires
Amerigroup!
• Health
plan
creaLvity,
for
exchanges
and
employer-‐sponsored
– Design
of
networks
– Tiering
(of
plans,
of
suppliers)
– Benefits
creaLvity
• Focus
on
value
of
health
care
delivery!
25. The
Major
Management
Challenges
(Some
of
the…?)
Balance
mission
with
financial
viability
Adapt
to
new
reimbursement/payment
models
Cope
with
health
care
reform/regula?ons
Deal
with
changing
popula?on
health
and
demographics
Get
the
incen?ves
right
Create
managerial
and
leadership
capacity
Coordinate/collaborate
–
at
all
levels,
including
across
organiza?ons
Build
a
capacity
for
organiza?onal
innova?on/change
Deal
effec?vely
with
technological
advances
Appropriately
use
evidence
in
determining
care
26. Why
we
are
here
Tremendous
change…
Massive
challenges…
For
an
unimaginably
important
cause…
And
all
happening
at
once