Each day, more and more Americans are taking advantage of the new free preventive services provided through the health care law. People of all ages can now get the preventive services they need, like mammograms and the new Annual Wellness Visit, free of charge. With more people taking advantage of these benefits, more lives can be saved, and costly, and often burdensome, chronic diseases can be prevented or caught earlier.
A client had the opportunity to participate in a group plan through their employer but was somewhat distressed (shocked, actually) at the cost. I asked if they had ever sought out comparative rates in the individual market. Their immediate response was the assumption that group health insurance was less expensive.
Retirement decisions affect how we will live for the last third of our life. A firm foundation in reading and mathematics is essential for providing us with the tools that we need to make sound financial decisions later.
Misclassifying workers as independent contractors now carries an even steeper price.
California now has the nation's most punitive laws against worker misclassification. While misclassification has always been illegal, businesses found to have incorrectly classified employees as independent contractors now face civil penalties ranging from $5,000 to $15,000 per employee, and $10,000 to $25,000 per employee in instances involving “a pattern and practice” of misclassification.
Today’s workplace has its own brand of bully. Instead of fists and feet, the adult bully uses an array of psychological tactics to exert control. But interestingly, adult bullies rarely view themselves as powerful.
They may even be overwhelmed – overreacting to minor setbacks, or interpreting everyday occurrences as personal slights.