Loans and Lines of Credit: Timing is Everything
Friday, January 30, 2015 09:25 PM

Imagine a small-business owner walks into his or her shop one day and sees water gushing from the company bathroom, turning the entire place into a giant swamp. In this emergency scenario, the business owner doesn’t have much time to think, and doesn’t have enough cash on hand to fix the plumbing that day and open up for business.  If the business owner had a line of credit in place for emergencies such as this, he could easily write a check to the plumber and clean-up crew and pay a low interest-rate on the line of credit to cover the fix.

Instead, with no contingency plan, the business owner would likely need to take on a short-term business loan with high interest rates to fix the plumbing and get back up and running.  Small-business owners who are in desperate need of a loan to cover an emergency situation are not in as favorable position as those who plan ahead. If these business owners would have taken initiative much earlier, when the need wasn't as desperate, they may have had better loan options with lower interest-rates.

Myth: The U.S. has the Best Health Care System in the World
Thursday, January 15, 2015 04:35 PM

Myth: The U.S. has the best health care system in the world.

Fact: The U.S. has among the worst health statistics of all rich nations.

Although the United States spends more on health care than any other nation, a growing body of research shows that Americans are in poorer health and live shorter lives than people in many other high-income countries.  The U.S. does not have the best health care system in the world - it has the best emergency care system in the world. But advanced U.S. medical technology has not translated into better health statistics for its citizens.

Nor is America's international reputation in health care as high as many Americans boast it to be. The often asked rhetorical question is "which country is the envy of the world when it comes to health care?”  But according to a Gallup poll published by the Toronto Star, only 2 percent of all Canadians believe that the U.S. has a better health care system than their own.

A review of the health care statistics from World Health Organization (2011) compares 17 countries – the United States and 16 “peer” countries.  Here are the rankings:

Small Businesses: Health Law Offers Alternatives
Thursday, January 15, 2015 04:30 PM

For many small business Health-law subsidies for workers to buy their own coverage combined with years of rising costs in the company health plan made dropping those plans an obvious -- though not easy -- choice.

Companies with fewer than 50 workers provide medical coverage to roughly 20 million people. Unlike larger employers, they have no obligation under the health law to offer a plan. Now they often have good reason not to.  If employees qualify for government subsidies, like the managers who switched from corporate insurance to individual Obamacare coverage, everybody can win.

Owners don't have to pay premiums, meaning they can give workers raises, invest in equipment, or add to profits instead. And employee take-home pay can rise if subsidies -- available even to families with middle-class incomes -- are worth more than what a company was contributing.

Emerson Ecologics Launches Practitioner Resource Center for Integrative Healthcare Providers
Thursday, January 15, 2015 04:20 PM

Emerson Ecologics recently unveiled its newly designed Practitioner Resource Center, a full suite of clinical and business tools, resources and education designed to help integrative healthcare providers find success as healers and business owners.

The Practitioner Resource Center includes a rich variety of materials that can help healthcare providers stay up to date on clinical knowledge and treatment plans, improve patient compliance, learn new strategies for growing their practice and more.

“We’ve always been committed to helping our customers succeed as integrative healthcare practitioners, and our newly designed Practitioner Resource Center is an extension of that commitment,” said Jaclyn Chasse, ND, Medical Director for Emerson Ecologics. “We recognize how busy our customers are, so our educational resources and materials are available in many different formats. And the majority of what we offer is available free of charge.”

Chiropractic-Led Corporate Wellness
Thursday, January 15, 2015 04:06 PM

Employers are concerned about rising health care costs and looming federal mandates that penalize companies for unhealthy workers. But corporate executives are unsure how to tie corporate wellness programs to business performance. Chiropractors are perfect intermediaries for businesses seeking cost reduction and productivity gains from healthier employees. 

Different from most corporate wellness offers, an on-site, chiropractic-led approach positions you as the central resource deriving its success from the chiropractor's ability to provide key elements of an effective wellness program by "monitoring" the employee population. These elements include chiropractic care, fitness consulting, nutritional guidance, and ongoing health education programs.  In addition chiropractic-led corporate wellness partners with key corporate functions, such as HR, finance and operations. Together, this successfully delivers sustained improvement to employee health factors, drives down injury rates, and quickly returns workers to their jobs .

Proof of concept is demonstrated in a recent academic review of ten years of employee data.  The University of Wisconsin-Milwaukee and Medical College of Wisconsin found on-site, chiropractic-led corporate wellness demonstrated statistically and clinically significant differences in employee health factors and the reduction on long-term health risks.

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