2009 Super Guide to Grants, Grants, and More Federal Grants – Government Assistance for People and Small Business: Grants, Loans, Student Aid, Applications, New Programs, FOIA, College Money (CD-ROM)

May 2, 2012 By Leave a Comment

2009 Super Guide to Grants, Grants, and More Federal Grants - Government Assistance for People and Small Business: Grants, Loans, Student Aid, Applications, New Programs, FOIA, College Money (CD-ROM)

Newly revised and expanded for 2009 with updated material not found in earlier editions, our unique electronic book on CD-ROM has an amazing collection of the finest federal documents and resources on government grants plus assistance programs for small businesses. New for 2009: extensive coverage of federal student aid programs, with Education Department information on college loans, and the 2009 Federal Student Aid Handbook. There is a section on getting files and records from government agenc

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Why More and More Patients Go Broke? NY State Verdict: Guilty! #1 = Insurers, #2 = Providers

March 27, 2012 By Leave a Comment

Hanover Park, IL (PRWEB) March 18, 2012

NY State Governor Andrew M. Cuomo announced on March 7, 2012 that the Department of Financial Services (DFS) is investigating unexpected out-of-network medical costs affecting New Yorkers across the state, many of whom cannot afford to pay out-of-pocket expenses. In addition, DFS released a report finding that insurance companies are the first one to be responsible, and the healthcare providers are also responsible for unexpected out-of-pocket expenses driving so many patients into bankruptcy. The report finds an overwhelming need for increased transparency from insurers and medical service providers, and improved consumer protection measures to ensure that New Yorkers stop receiving unexpected bills. (http://www.dfs.ny.gov/about/press/pr1203071.htm)

ERISAclaim.com is now offering webinars to examine the NY DFS specific findings and recommendations, and to provide practical solutions for all out-of-network providers to voluntarily and proactively comply with all NY State Government patient protection recommendations: full disclosures with out-of-network ACA discount protection under new federal health reform law PPACA (ACA, in short), Patient Protection and Affordable Care Act.

The full NY DFS report, titled An Unwelcome Surprise: How New Yorkers Are Getting Stuck with Unexpected Medical Bills from Out-of-Network Providers, is available at http://www.governor.ny.gov/assets/documents/DFS%20Report.pdf.

Governor Andrew M. Cuomo did it again for USA, after he fixed nations UCR with Ingenix crisis, for not only New York State but entire USA. This report provides the real verdict for the top US healthcare crisis today faced by every American, and resolved a mystery for why Harvard researchers say 62% of all personal bankruptcies in the U.S. in 2007 were caused by health problemsand 78% of those filers had insurance, says Dr. Jin Zhou, President of ERISAclaim.com, a national expert on PPACA and ERISA appeals and compliance. (http://www.businessweek.com/bwdaily/dnflash/content/jun2009/db2009064_666715.htm)

Governor Cuomo may also have demystified a 2012 CNN Money report that more and more doctors are going broke today, when some insurers profits went up 73% and 78% of insured patients are 62% of all personal bankruptcies, commented Dr. Zhou. (http://online.wsj.com/article/BT-CO-20120201-713202.html),

(http://money.cnn.com/2012/01/05/smallbusiness/doctors_broke/index.htm)

According to the NY DFS Press release and 41-page full report, insurer companies are paying far less for health retail prices (UCR) than whole discounted rates (PPO) (http://www.dfs.ny.gov/about/press/pr1203071.htm):

Insurers are paying less of the cost of out-of-network care: The investigation found that insurers are moving to a system that greatly increases how much it costs consumers when they are treated out-of-network. To determine what they would pay for out-of-network care, most insurers used to use what is known as the usual and customary rate (UCR), which is supposed to be an average of actual bills for a procedure in that region. But now most are using the Medicare rate, which decreases how much insurers pay by as much as half or more in some cases. Insurers make this change hard for consumers to understand, because some are told they are going from 80% of the usual and customary rate to 140% of Medicare, which sounds like an improvement, but is not.

In one case, a patient was approved for a surgery using the usual and customary rate. The insurer said it would pay $ 31,978 of the $ 47,685 cost. Before the surgery could be done, the insurer changed to a Medicare Fee Schedule and the insurer would only pay $ 4,864.62.

And insures may often sue out-of-network providers if they dont collect entire $ 47,685 even if insurers may only pay $ 4,864.62. Aetna recently sued seven surgical centers in California to stop the centers from waiving coinsurance payments required for out-of-network providers, explained Dr. Zhou. (http://www.fiercehealthpayer.com/story/aetna-sues-surgery-centers-overbilling/2012-02-09)

In the final NY DFS report, Governor Cuomo concluded the failure of the insurers disclosures mainly and directly caused the unexpected out-of-network medical bills: (page 13 of 41 at

The failure of insurers to provide benchmark data to allow consumers to compare out-of-network benefits has at least two detrimental consequences. First, it leads to surprise and anger for consumers who suddenly realize how little their insurance pays for out-of-network provider bills. Second, it contributes to inefficiency in the health insurance market. If consumers are unable to accurately compare apples to apples for out-of-network benefits, they may well, for instance, purchase coverage on the mistaken belief that 140% of Medicare is better coverage than 80% of UCR.

Governor Cuomo calls for reform by health plans and providers in compliance with PPACA:

Nonetheless, there is room for improvement. Reforms will require health plans and health care providers to make changes in current policies and practices. Some of those improvements may include enhanced disclosure, network adequacy requirements, standards for coverage of out-of-network health care services, and prohibitions on excessive charges for emergency health care services. As New York prepares for federal health care reform under the federal Affordable Care Act, we should take this opportunity to improve on problems of surprise bills from out-of-network providers. Working families, employers, and businesses located throughout the state (insurers and non-insurers alike) deserve no less. (Page 39 of 41 at

The NY reform is the USA reform when about 77% of insured Americans purchased out-of-network coverage in private industry, says Dr. Zhou. (Page 11 of 167 at

To find out more about PPACA Claims and Appeals Compliance Services from ERISAclaim.com:

http://www.erisaclaim.com/products.htm

Located in a Chicago suburb in Illinois, ERISAclaim.com offers free webinars, basic and advanced educational seminars and on-site claims specialist certification programs for doctors, hospitals and commercial companies, as well as numerous pending national ERISA class action litigation support. Dr. Jin Zhou is regarded as the industry Godfather of ERISA claims for healthcare providers.

For any questions, please contact Dr. Jin Zhou, president of ERISAclaim.com, at 630-808-7237.





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Theses Sample: Master Card Or Visa – Which Is More Effective Globally

February 15, 2012 By Leave a Comment

Article by Chiristine

Abstract:This research paper is all about on the master card which is the very important credit card use in the United States daily, second only in name Worldwide and recognition billings to visa. Marketing itself to the ordinary women and men, in contrast to the efforts of the visa to capture or get the upper income clientele, in both the United States and the other areas around the globe the master card is slowly chipping away at the market share of visa. In the United States it is a multinational corporation which is based in purchase, NY. The business of the MasterCard through out the World is that it processes the payments between the banks of purchasers and banks of merchants that use credit card and MasterCard braded debit to make the purchases. Since 2006 the MasterCard worldwide has been a publicly traded company. The 25,000 financial institutions owned the MasterCard worldwide membership organization.

Thesis statement:People think that the MasterCard is better then the Visa.

IntroductionThe master card was incorporated in 1966. The first modern credit card was first issued by the Franklin National Bank in 1951, and the merchants accept that card. Then after this over hundred additional banks started issuing the card within a very short period of time. No interest and fees was charged and cardholders paid their bills upon the receipts. For any transactions made on the cards the merchants were charged fees by the issuing bank. The banks profits minimal and the customer volume were low because these cards could only be used within a limited geographical region.

In 1958 the America’s bank which was based in California introduced the Bank America card. And by licensing a single bank as its local affiliate in each major metropolitan area, throughout the United States it very soon developed an extensive network of licensee banks. The responsibility was assumed by the each of the licensed bank for enrolling the members of the card in their particular geographical area, and also to accept the card as payment for merchandise or services reached the agreements with the merchants. At approximately the same time, it was decide by the group of American’s bankers who were not the part of the Bank American card that they will accepts one another cards and they will organize their own network. The Interbank card association was formed by these banks on the august 16, 1966 and it was oversee, manage and organize the functions associated with the credit card payments, including the settlement, clearing and authorization. For the master change the ICA was the umbrella organization and its name was then changed into MasterCard. The symbol “I” was placed and created on cards and at purchasing locations in order to identify Interbank Card and merchants association members.

The ICA was not dominated by one bank but rather governed by consensus among its member banks as it was unlike Bank American card. The committees which were supported by the extensive staff were set up to supervise and operate the association’s activities. Besides making or establishing the guidelines for the card settlement, clearing and authorization, for marketing the card the Interbank Card Association assumed responsibility, to protect the association trade’s mark in addition to providing the legal representation and security.

In Mexico in 1968 the ICA wasted no time in entering the market of international by forming close ties to Banco National de Mexico and continental Europe with Euro card International. To the association ICA added the first Japanese members during the same year.

The INAS was developed by the ICA in 1973. The INAS was the centralized network of computer which was designed to electronically link the acquiring merchant or member to the financial institution or issuing member. For the ability to communicate directly and very quickly this computer network provided the merchant and issuer, and replaced the telephone exchanges which were very time consuming it replaced them one required for the authorizations. In order to reduce the frauds and hasten authorizations the ICA made the magnetic strip in the international standard on all its cards in 1974. To provide an electronic exchange of transactions among its members a system was introduced in 1975 which was INET. By automating the entire transaction process the necessity of actually mailing charge slips was very much reduced. In order to reflect the broadening of the association’s services beyond the charge card itself the ICA changed both the name and trademark of Master Charge to MasterCard in 1979. The first Australian member became part of the association and during the mid and late 1970s from the United Kingdom the access Ltd, Standard Chartered Bank of South Africa.

The ICA board of directors appointed Russell E. Hogg in the February of 1980 for the suitable changes for the success of the card. The purpose of the strategy of Hogg was to expend the MasterCard’s line of services and products and to concentrate on the development of the MasterCard. The MasterCard started the laser hologram and its Emergency Card Replacement program in 1983 in order to combat the frauds of the users. The card program development group was formed in 1985 which very fast and immediately introduced the MasterCard business card through out the World. In Hong Kong the office of MasterCard opened in 1986. The largest automated teller machine ATM was purchased by the Hogg in 1988 for 34 million. In the Soviet Union the first master card was issued.

The network of master card ATM combined with the CIRRUS in 1990 to make the master card/CIRRUS ATM network. At over 50,000 locations worldwide this network provided the cash access for the cardholders of the master cards. The MasterCard introduced the Maestro in 1991 and it was the debit system worldwide for the participating institutions cardholders including the ATM networks, Eurocheque International, and Eurocard International in the United States. Hence, as the time passes there many very useful changes take place in the card and become more and more advantageous for the peoples. People can get the money any time any where through the ATM machines and can do the shopping.

Features of MasterCard:There are various features in the most versions of the cards. Following are the some features of the card:•Accident insurance during travel bought with the card.•Damage waiver on cars rented with the card.•Extended warranties on items bought with the card.

These are the few features which are present in the card and because of these features the peoples like to use the MasterCard. Many more important features of MasterCard are as follows:

•MastermoneyIn North America the master money is distributed as the branding of the MasterCard debit card. There are many capabilities of master money brand like the other debit cards and these capabilities are used as a credit card and as well as ATM card. In order to complete a transaction the master money provides the sufficient funds in one’s account.

•PayPassThe paypass of MasterCard has a feature of new contacless payment which is based on the ISO 14443 standard that provides the facility of payment to the cardholders with a simpler way by other payment device or by tapping a payment card, such as key fob or phone, on a point of sale terminal reader rather then inserting a card or swiping.

•MYPlashThe MYplash is a sort of reloadable gift card and it is acceptable in every place where the Mater card debit is accepted. Music themed was many of the MYplash, and other participants including Breaking Benjamin, Avril Lavigne, and Good Charlotte. The MYplash is mostly like by the parents because they can provide their teens with financial experience with no overspending risk because it is a gift card not an actual credit card.

•BanknetA banknet is operated by the MasterCard. The banknet is a network of telecommunications which link all the card issuers of the MasterCard, data processing centers, and acquirers into single financial network. In St. Louis, Missouri the operation hub is located.

•EPSnetEPSnet is network which is operated by a MasterCard Europe. This is up for replacement in 2009 and this interfaces banknet. The EPSnet is used to Acquirers for Online POS/ATM Transaction Processing and it is used to link issuers.

Shareholders:In the early 2005 based on an SEC filling there are MasterCard’s largest current shareholders and they are as follows:

•5.0% Euro pay France.•5.2% Euro Kartensysteme.•6.0% Bank of America.•6.2% City group.•11.8% JP Morgan Chase.

IPO:The IPO is a company which had been developed or organized as a cooperative of banks, on May 25, 2006 had an initial public offering at $ 39.00 USD. Under the symbol MA the stock is traded on the NYSE.

Litigation:In January 1996 both the Visa and the MasterCard approximately have paid $ 3 billion in damages resulting from a class action low suit filled by the Hagens Berman. The litigation cites many giants of retails as plaintiffs, including the safe way, Sears’s roebucks and company, and the Wal-Mart.

Advertising:The advertising of the MasterCard has also rises the progress of MasterCard and advertising is a very necessary for the making the thing popular in the people as the people know about the facilities and uses of MasterCard they start getting their card. The current advertising campaign of the MasterCard is “There are some things money can’t buy. For everything else, there’s MasterCard.”

In 1997 during the World Series the priceless advertises of MasterCard runs for very first time. And there are numerous different print ads, radio and TV. McCann Erickson created it. Actually as a trademark the MasterCard registered priceless. Since 1997 in the United States the actor Billy Crudup has been the voice of the ads of the MasterCard. The voiceover artist changes to suit the local market in the other countries. For example in the United Kingdom the voice is the actor Jack Davenport.

As the friendly credit card company with a sense of humor this campaign attempt to position MasterCard. Many peoples worried about the card and they have many questions in their mind so, for their satisfaction and to commodify them these campaigns are designed and that people are becoming too much materialistic. This same pattern have been used by many people due to the many parodies, especially on central of comedy, though legal action has threatened by the MasterCard, under unfair competition laws and under the federal and state trademark, under the Copyright Act. Despite these claims, and under the federal and state anti-dilution laws, contending the MasterCard views such parodies as a violation of its rights, however, noted presidential candidate Ralph Nader emerged victorious and US consumer advocate in the suit MasterCard brought against him after he produced his own political commercial priceless. On February 6, 2005 during the Super Bowl XXXIX, the 10 legendary advertising from various house hold products and food were featured when the MasterCard was introduced. The characters which were featured were Mr. Clean., Mr. Peanut from Planters, the Gorton’s fisherman, the Vlasic pickle stork, the Morton Salt girl, the Jolly Green Giant, Charlie the Tuna, the Pillsbury Doughboy, Count Chocula, and the Chef Boyardee.

Sports sponsorship:The New Zealand all blacks which is the world’s famous rugby union team currently sponsored by the MasterCard. The UEFA champions league also sponsored by the MasterCard. For many years, the FIFA world cup also sponsored by the MasterCard but after a court settlement it withdrew its contact and in 2007 its rival visa took up the contract. The Memorial Cup tournament of the Canadian hockey league currently sponsored it. With Australian cricket team the MasterCard has just announced the new scholarships. The aborted MasterCard Lola Formula One team was so much sponsored by the MasterCard in 1977. as the city Toronto is facing a budget shortfall and MasterCard offered $ 160,000 to the municipal government of Toronto, ON for keeping its ice rinks open on October 12, 2007.

The difference between the MasterCard and Visa:

The network of MasterCard is significantly different from the Visa’s. The system of the visa’s is based on the star means it is a star based system the all endpoints terminate at the one of many centers of main data, and here all the transactions are processed centrally. MasterCard is different from the Visa as the network of MasterCard is an edge based. It is a network in which transactions travel a meshed network directly to other endpoints as it is a peer to peer network, and there is a no need of traveling to a single point. The network of MasterCard is very much resilient and in MasterCard a single failure cannot isolate a large number of endpoints.

In United States the third larger issuer of debit cards is Washington Mutual Bank and in January 2005 it announced that it was changing its branding of debit card from Visa to Master Card. This decision of changing the brand into MasterCard will make the Washington Mutual MasterCard’s largest bank customer. So, the MasterCard is better then the Visa and many countries have selected MasterCard network for their peoples.

writer/researcher










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How to pay off any credit card wit more spark

February 4, 2012 By Leave a Comment

www.MentoringPeople.com How to pay off any credit card with more spark Learn how to reduce your credit card debt faster using the Snowball Method with a twist in how you make your payment. The bottom line is this, if you want to become completely Debt Free give me a call and I will teach you how to compound your monthly payments. For over 25 years I have been teaching people how to become totally debt free including the mortgage. By the way, I personally have paid off 4th homes and I am working on my 5th home. If you really want to know how to get out of debt or learn how to be Debt Free, talk to one that has been teaching as well as doing the program themselves. There are way too many people that only know how to talk but can not show you how they did it themselves. See ya, John Schepcoff www.MentoringPeople.com
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Learn more about the advantages of a discovery Credit Card

January 23, 2012 By Leave a Comment

Article by Roderick Russo

With the proliferation of companies, diverse banking institutions have also emerged and built their private area of interest. These banks provide a variety of financial-associated companies you can actually imagine to businessmen, workers, ordinary citizens and even pupils who want to make their money transactions much easier. 1 of the most ground breaking and handy service that most banks right now offer customers is the credit card. There are a myriad of this seemingly magic plastics supplied by financial institutions, that it could get baffling if you do not know what you are wanting for. You can decide on from the far more preferred cards of Visa or opt for the Discovery Credit Card of the American express.These credit cards made available by these firms have unique interest rates and supplies a multitude of other positive aspects. The discovery card in certain will give buyer strengths aside from the key support it supplies, these as journey miles, cashbacks, savings upon buy of a certain product, avail a house loan or tie it up with yet another ticket-marker which presents you limitless providers these kinds of as garage tickets. Relying on your membership which could assortment from bronze to gold, you can get staggering discounts at picked retailers.If you are an individual who enjoys to travel continually, the Qantas Amex Discovery credit score card of American express will make your heart defeat erratically. This wonderful modest plastic is unmatched when it comes to full array help all day, throughout the week. You can use this discovery credit score card 24/7 no matter whether you’re up there flying in the skies, in the ground or lounging close to waiting for your airplane. Additionally, you can get pleasure from the total added benefits of this merchandise since it can also be utilised as your membership ID for Discovery Professional medical Aid, presents you free regular flyer factors which you can attain with no restrict, affords you no cost permanently, equal points for the money you shell out (a person dollar equal to 1 flyer point) and a 44 day fascination-cost-free browsing.Software for a Discovery credit score card is a breeze, specifically if you are by now a member of the Discovery Clinical Aid. You need to be eighteen several years outdated and previously mentioned to be ready to apply. You can do this transaction by way of telephone, during which the corporation will be sending you a quote by means of fax or electronic mail, to inform you of the distinct information discovery card you qualify for and the credit score limit you are authorized to. Of study course you are necessary to submit your evidence of income and ID.

…and this was just a short overview about the discovery credit card. For more info on how to get your handy on the best credit card for your needs and much more please stop by at my website: Discovery Credit Card, GE Credit Card, <a href










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Credit Counseling; Learn How To Choose Credit Counseling Services To Reduce Credit Card Debt Through Debt Consolidation And More So You Can Repair Your Credit Score And Avoid Credit Counseling Scams!

January 8, 2012 By Leave a Comment

Credit Counseling; Learn How To Choose Credit Counseling Services To Reduce Credit Card Debt Through Debt Consolidation And More So You Can Repair Your Credit Score And Avoid Credit Counseling Scams!

Are you overwhelmed by credit card debt and payments you can’t keep up with? Do you want to use credit counseling services, but are afraid of the scams that are out there? Would you like to know how to find reputable credit counselors who can help you make a financial plan to reduce your credit card debt? Credit Counseling will educate you on the ins and outs of finding a reputable credit counselor or agency so that you can get the assistance that you need. When you are in a desperate position

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Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees Reviews

January 4, 2012 By Leave a Comment

Talk Your Way Out of Credit Card Debt!: Phone Calls to Banks That Saved More Than $43,000 in Interest Charges and Fees

Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money! It's true! You can call your credit card banks to negotiate a better interest rate and have fees waived! However, it may not be as easy as picking up the phone and asking. That's because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don't know what to expect. Scott Bilker, author

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