Approximately 1.5 million Americans are victims of medical identity theft each year, a crime that costs the nation $41.3 billion annually. Prescription fraud is a growing form of medical identity theft that is not only extremely costly and time-consuming; it can also put your health at risk and even be life-threatening. Unfortunately, medical identity theft isn't commonly known by many Americans, and often isn't detected until it's too late. When we don't take precautions to prevent prescription fraud and other forms of medical identity theft, we put ourselves in jeopardy of becoming another victim.
<b>What is Prescription Fraud?</b>
Prescription fraud occurs when identity thieves use your personal information to fill prescriptions in your name. They use your medical identity to receive medical treatment at hospitals and doctors' offices, obtain medications, and access other healthcare services.
Prescription fraud doesn't just leave you with a huge bill-it can potentially put your health at risk as well. You may find that false information has been added to your personal health record, such as a change in blood type or supposed allergies. Every medical procedure received and prescription filled by the identity thief becomes part of your medical history, which means you may not be able to obtain the life-saving treatment you need in an emergency medical situation.
Detecting and resolving medical identity theft can be difficult as well. You may not discover that you're a victim until a pharmacy refuses to fill a prescription because it conflicts with another medication you appear to be taking. To make matters worse, fixing errors in your record can be very challenging due to medical privacy laws. Ironically, the same laws that were implemented to protect your privacy and health information are now protecting the medical identity thief. This restricted access to medical records prolongs the duration of the theft, costing you countless time, money, and frustration.
<b>How to Prevent Prescription Fraud</b>
One of the easiest ways to avoid this type of medical identity theft is simply to be aware of what you throw in the trash. Prescription medication labels carry such sensitive information as your full name and address, the prescribing physician, the type of medication, prescription number, and the pharmacy's contact information-all of the things a thief needs to perform prescription fraud. Instead of throwing empty prescription bottles in the trash, including the drug information forms, remove the labels and shred them. Other ways to prevent prescription fraud:
• Review every explanation of benefits (EOB). Examine the charges for medical visits or prescriptions you didn't receive, and report any suspicious activity immediately.
• Never simply toss medical information in the trash. Dumpster divers can easily access your personal information if you fail to shred the documents.
• Secure medical records. Keep your medical records in a safe place inside your home or in a safe deposit box, away from the prying eyes of visitors. Believe it or not, friends and relatives who have easy access to your personal information are often the culprits.
• Safeguard prescription bottles. Hide or lock-up your medication rather than leaving it in plain sight or in a medicine cabinet. This will prevent anyone from walking off with your prescription medication and, later, your identity.
• Manage written prescription slips. Don't throw them away or leave them out where they can be stolen. These slips are all an identity thief needs to fill a prescription in your name, leave you without your medication, steal your medical identity, and even put your life in danger.
• Enlist the help of an identity theft protection service such as ID Theft Solutions, which can proactively help prevent medical identity theft and even restore your identity when it's stolen.
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<p><span id="docs-internal-guid-2f066b1e-7fff-2ab7-df91-3dac1df976ed"> <p dir="ltr"><span>Umbrella companies can make it easier to take care of your tax for some of your contracts. When you use an umbrella company,you're compensated via the PAYE system,like employees are. But how does this work,and how can the companies tax you? Here's an explanation of how you are taxed by umbrella companies and what that means for you.</span></p> <p dir="ltr"><span>Tax Through PAYE</span></p> <p dir="ltr"><span>PAYE stands for pay as you get,if you are not already aware. So when you use an umbrella company,you pay your tax as you earn instead of paying your tax in a lump sum following the tax season is over. Throughout the system,you will pay your income tax and National Insurance contributions. You'll have a tax code which indicates to HMRC how much tax you should be paying. The thresholds for paying your taxes and differenttax bands can change annually,so it is always important to stay current.</span></p> <p dir="ltr"><span>Currently (2018),you will pay National Insurance contributions at 12% on earnings above #162 a week and 2 percent above #892 a week. The personal allowance for income tax is #11,850 with 20% paid on everything after up to #34,500,and 40% from #34,500 to #150,000.</span></p> <p dir="ltr"><span>Umbrella Company Expenses</span></p> <p dir="ltr"><span>Another aspect is that you may maintain some expenses that are allowable. Chargeable expenses are those refunded recruitment agency or by your customer. Other expenses are non-chargeable,and the umbrella company will manage them when calculating your pay. Allowable expenses will be deducted from your income so you don't have to pay tax on them. If your contract with your customer is deemed to be under the Supervision,Management and Control of your customer,you can not claim travel and subsistence expenses.</span></p> <p dir="ltr"><span>Calculating Your Pay</span></p> <p dir="ltr"><span>Your pay will be calculated once you have submitted timesheets into the umbrella company and recruiting agency or end customer. In addition to your taxes,the umbrella company will also minus the commission to the company and any other deductions,such as holiday and pension contributions pay.</span></p> <p dir="ltr"><span>Payslips</span></p> <p dir="ltr"><span>Your umbrella company should send you a payslip,which details any deductions,including taxes. At the end of the tax season,they should also give you a P60 for your records also.</span></p> <p dir="ltr"><span>What About Umbrella Companies That Promise Pay?</span></p> <p dir="ltr"><span>Some umbrella companies will tell you that you can keep the majority of your cover (up to 95%) and be tax-compliant. Official advice from HMRC says that this is a signal for companies. You should also watch out for only some of your income going through PAYE, being compensated using a loan,credit or investment that the company says is not subject to tax,and your payments being routed through other companies. These could be signs that the company isn't paying your taxes correctly so it is important to watch out for them.</span></p> <p dir="ltr"><span>Umbrella companies deal with your tax for you soyou don't have to. You might pay a bit more tax,but you get the benefits of being an employee.</span></p> <span>[dcl=6912]</span><br /></span></p>
<p>Security is one area that all firms have to think about and it covers quite a few areas. These days,with all the headlines,IT security is often at the forefront of the mind,but there is the matter of physical security too. The cost of having on site,full time security patrols are often out of the question for most small and medium sized firms and in these instances mobile security patrols can be the answer for you,your employees,and your customers.</p> <p><strong>Here are 3 reasons that mobile security patrols can be the answer to your security issues:-</strong></p> <p><strong>1. A Huge Deterrent</strong></p> <p>Mobile security patrols are just that,mobile,and this means that unlike static guards,they can cover multiple areas over a period of time,and yet can also visit the same zone many times too. Add in the feature of not doing this in a routine manner (varying the times of each check) and you get a highly effective deterrent. With most criminal activity being typically opportunistic,many perpetrators having spotted that security patrols are carrying out regular spot checks are very likely to move on to an easier target. Besides this,they can also move very quickly when the alarm is raised or one is triggered,thus leaving thieves with less time to escape. These fast response times also give any employees that may be in danger,a greater sense of security and increase their sense of wellbeing,this being vital in the case of 'lone workers'.</p> <p><strong>2. A Huge Variety of Checks</strong></p> <p>Static guards normally just carry out security checks within the business premises,or on the periphery,for instance at the gates. On the other hand mobile security patrols can carry out a much wider number of external checks. This allows protection for areas that are not covered by CCTV cameras. Therefore they can check for signs of a forced entry on the perimeter fence,whilst also checking for vandalisms or graffiti. Plus of course they can also keep an eye out for any suspicious activity within the vicinity of the premises.</p> <p><strong>3. They Are Cost Effectiveness</strong></p> <p>Some businesses may simply not be able to afford a full time security guard to protect their business,premises,or property. In these instances mobile security patrols offer a highly cost-effective solution. This is easy to understand as unlike static on-site patrols who have to be paid all the time they are working,mobile security patrol companies only charge for the time spent actually patrolling a premises. Of course,this means that you will not have a full time security presence,but given the fact that such patrols can cover such a big area,and that the frequency of how often they check is really down to you (and your budget) means that it can really be just what is required.</p> <p></p> <p><strong>Conclusion</strong></p> <p>So,if you are considering your firms security,or if you have always asked yourself "why should I choose to use mobile security patrols?",you now have 3 compelling reasons to take this path. All you need to do is find the right security company to provide the necessary level of service,one that fully meets your firms needs and is one that is within your budget.</p> <p>For more help see this [dcl=7124]</p>
<p>Wealth management as a concept has been around for years of course,but was only coined as a term in the 90's by the financial firms who provided help their rich clients. These firms helped this group deal with the issues that exist for those with a lot of money to manage,the advice being of special importance as they became older. This article covers some of the best strategies; ones have been tried and tested for decades.</p> <p>The only way to managing your wealth is to bring all the elements together. This means integrating your taxes,estate plans and investments into one set of data,a plan then being built to meet the objectives and your life goals.</p> <p><strong>The following strategies have been proven :-</strong></p> <p><strong>Step one,Take Control</strong></p> <p>Many people think that it is someone else's job to take control of their lives,to make decisions for them etc. Eventually however,everyone works out that there is no one else,but in some cases that can be too late. Make sure you are not in their number. In order to take control of your life,you need to understand the financial status of your family,what your assets are and what you spend your money on. Without understanding these crucial factors,it is impossible to plan your life time financial goals.</p> <p><strong>Discuss the Matter With the Entire Family</strong></p> <p>Another key factor that can make all the difference is getting the whole family talking. Talking about things with family members helps all to comprehend and thus reinforce common goals,and has a great uniting influence. As the old saying goes,two heads are better than one,so getting all the families heads together should lead to the best results.</p> <p><strong>Managing Your Savings</strong></p> <p>To save you must first understand where your money is going and decide on areas where you can cease spending and save. Setting a budget helps here as it helps you focus on savings. One of the best tricks here is to automate the process by placing a certain amount of cash into an account every month. Together the setting of a budget and creating an automatic savings plan will help you stay on top of your bills and save money at the same time.</p> <p><strong>Call in a Financial Advisor</strong></p> <p>There is no dodging the fact that using a financial advisor will cost you cash,but on the other hand,making poor investment decisions could cost you a whole lot more. Wealth management professionals have the knowledge and experience that enables them to give you good advice and keep you on target. One of the reasons they can be especially helpful is their knowledge of investment opportunities in the financial market place.</p> <p>The great news is that in the past while it was quite difficult and expensive to hire a financial advisor,that today that is no longer the case. Now,you are sure to be able to find a reliable one,with many being accessible online.</p> <p>These are just some of the many established strategies for wealth management,and all of them will be sure to help you plan your assets better. Taking control,getting help from a professional,managing your savings,engaging with the entire family,and keeping the ship on track,may not seem easy,but once you are committed you will find it easier to reach your goals.</p> <p>If you need more help then we advise you to [dcl=7125]</p> <p></p>
<p><span id="docs-internal-guid-51cbd90c-7fff-da42-167d-a7543f3f33ec"> <p dir="ltr"><span>Going to court after being the victim of sex abuse can prove to be a daunting challenge. Not only have they been traumatized by the event,they are also left feeling ashamed and scared of the abuser and the future itself. However,the court process is the only way to get justice for what has been done to them. Here are a few ways victims can make it easy for themselves.</span></p> <br /> <p dir="ltr"><span>First of all,according to <span>[dcl=6646],</span>the court process will take a long time,and this has to be understood before proceeding. Justice takes a long time since all the evidence has to be cross-examined before the judge can pass a decision. It will test the patience of all those involved,so this is something victims have to be aware of before initiating the process.</span></p> <br /> <p dir="ltr"><span>Secondly,victims will be asked very personal questions. The nature of those questions may feel offensive,but they are necessary to the court process. It is nothing to be ashamed or feel angry about. Instead,the victim must take it in stride and answer questions clearly and truthfully for the process to take effect.</span></p> <br /> <p dir="ltr"><span>Thirdly,the accused will say a lot of things throughout the court process,making it sound as if the victim wanted him or her to bring about the abuse. By answering the questions truthfully,the victim can bring about an end to such allegations by the abuser,making it abundantly clear that the victim never asked for this to happen and that the abuser is the one who committed the atrocity.</span></p> <br /> <p dir="ltr"><span>As one can see,going to court for victims of sex abuse can be a difficult process. It will take a long time to process and will test everyone's patience. Victims will also be asked awkward and personal questions,but all these have to be taken in stride for the justice system to work. Let a<span>[dcl=6646] help you.</span></span></p> <div><span><br /></span></div> </span></p>
<p><strong>By John Sage sales coach</strong></p> <p><br />Congratulations! You have actually made it to the next instalment in my Guidelines of Life blog series. In the last edition,we talked about the value of having rules,how to produce your own rules,and a couple of other suggestions to adopt a wealth mindset.</p> <p><br />Let's not lose whenever and get to the next 3 rules. These are a little bit various than the last,and I desire you to think about the time you spend reflecting and evaluating past decisions.</p> <h3>Rule 5: Know thyself</h3> <p>Do you actually know yourself? No,I indicate do you really understand yourself? Do you understand your routines,failures,successes,insecurities,and so on? The response might shock you.<br />We have blinders on in our everyday lives. It doesn't matter whether you're driving to the doughnut shop or signing a multi-million-dollar property investment deal,you're probably not looking closely in the mirror.</p> <p>The thing is,all of the very best investors on the planet know themselves within and out and you can too with a little bit of practice.<br />It's everything about understanding your process for assessing investment choices. If you can develop a system to objectively comprehend the threat and benefits of a choice,you'll make better decisions in the long-run.</p> <p>Read more from John Sage sales coach <a href="https://john15106.wixsite.com/johnsagereviews/blog/psychology-of-wealth-getting-comfortable-with-uncertainty" target="_blank">here.</a></p> <h3>Rule Six: Morals and value exchange</h3> <p><br />I wish to pick up a minute to make one thing clear: these are 2 various things that I'm describing.</p> <p><br />Values are the bypassing principles that assist you throughout life. They're your morals,ethics,and assist to keep you from losing control of your life. With these values,browsing troubled waters ends up being a lot easier as you basically currently have a roadmap to utilise to base all of your decisions.</p> <p><br />Worth exchange,on the other hand,refers to the procedure of wealth exchange. To construct wealth,you require to give something of worth on your side of the exchange.<br />You can't have one without the other,and if you desire to prosper and adopt a wealthy mindset,you require to establish values that you can then exchange. To put it just,to develop wealth,you require to include value.</p> <h3>Guideline Seven: Integrity</h3> <p>Anybody can lie,cheat,or take in the investing world. Hollywood movies like WallStreet and others reveal this practice and have actually moved the public's understanding. Let me tell you one thing: you will not make it extremely far in the long-run without some stability.</p> <p><br />People get the liars and cheats in the investing world,and although you could get some short-term success,it will go out,and your track record will be trash.<br />So,to cap off this blog site post,I want to summarise a couple of points:</p> <p><br />â? To make it anywhere in life,you need to know yourself. You require to come face-to-face with your successes,failures,fears,needs,and desires.</p> <p>â? You likewise require to define your core values in life. What principles guide you? As soon as you can determine this,you can start adding value to wealth exchanges.</p> <p>â? Lastly,you require to have stability and do everything honestly. It might take longer to see success,but you'll have better luck in the long-run,construct more powerful relationships,and more steady wealth.</p> <h3><br />John Sage Sales Coach - Direct To Your Inbox</h3> <p><br />The last three guidelines await you in my next blog site. Register for this blog and follow me on social media to never ever miss out on an upgrade! www.johnsage.com.au</p>
<p><strong>By John Sage sales coach</strong></p> <p><br />Congratulations! You have actually made it to the next instalment in my Guidelines of Life blog series. In the last edition,we discussed the importance of having rules,how to develop your own guidelines,and a couple of other suggestions to embrace a wealth mindset.</p> <p><br />Let's not squander at any time and get to the next three rules. These are a bit different than the last,and I desire you to consider the time you spend showing and evaluating past choices.</p> <h3>Rule 5: Know thyself</h3> <p>Do you really understand yourself? Stop and genuinely ask: do you actually know yourself? Do you understand your habits,failures,successes,insecurities,etc.? The answer might surprise you.<br />We have blinders on in our day-to-day lives. It doesn't matter whether you're driving to the doughnut store or signing a multi-million-dollar property investment deal,you're most likely not looking closely in the mirror.</p> <p>The thing is,all of the finest investors worldwide understand themselves inside and out and you can too with a bit of practice.<br />It's everything about comprehending your procedure for examining investment choices. If you can establish a system to objectively understand the threat and benefits of a choice,you'll make much better decisions in the long-run.</p> <p><em><strong><a href="https://johnsagesalesmarketing.blogspot.com/2018/11/how-to-play-investing-by-john-sage.html" target="_blank">Click this link</a> for more from John Sage sales coach</strong></em></p> <h3>Guideline 6: Values and worth exchange</h3> <p>I wish to stop for a minute to make one thing clear: these are 2 various things that I'm explaining.</p> <p><br />Values are the bypassing concepts that assist you throughout life. They're your morals,ethics,and help to keep you from losing control of your life. With these worths,navigating struggling waters ends up being much simpler as you basically already have a roadmap to use to base all of your choices.</p> <p><br />Worth exchange,on the other hand,refers to the procedure of wealth exchange. To develop wealth,you require to offer something of worth on your side of the exchange.<br />You can't have one without the other,and if you want to end up being wealthy and adopt a wealthy frame of mind,you need to develop Ethics that you can then exchange. To put it just,to develop wealth,you require to add value.</p> <h3>Guideline Seven: Integrity</h3> <p>Anyone can lie,cheat,or take in the investing world. Hollywood movies like <em>Wall Street</em> and others reveal this practice and have actually shifted the public's understanding. Let me inform you something: you will not make it very far in the long-run without some integrity.</p> <p></p> <p>People get the liars and cheats in the investing world,and although you could get some short-term success,it will go out,and your track record will be garbage.<br />To cap off this blog post,I desire to sum up a couple of points:</p> <p><br />â? To make it anywhere in life,you need to understand yourself. You require to come in person with your successes,failures,worries,requirements,and wants.</p> <p>â? You likewise require to specify your core values in life. What principles assist you? When you can determine this,you can begin adding value to wealth exchanges.</p> <p>â? Lastly,you require to have integrity and do whatever truthfully. It might take longer to see success,but you'll have better luck in the long-run,construct stronger relationships,and more steady wealth.</p> <h3><br />John Sage Sales Coach - Direct To Your Inbox</h3> <p><br />The last three guidelines await you in my next blog. Register for this blog and follow me on social media to never miss out on an upgrade! www.johnsage.com.au</p>
<p>When you are the top of your company,or maybe you function in a human resources department of your business,you might often hear from the term 'commercial litigation solicitor'. <br /><br />Commercial and corporate law is a complex area,by using a fair volume of terminology that may be different to comprehend therefore,our recommendation is that one hire a commercial litigator if you discover yourself in any commercially legal situation. This information will provide about what commercial litigation solicitors are,how they operate,and ways to begin hiring one of these brilliant and operator of your business,and particularly when this business employs personnel. No matter how well-administrated and honest the business is,it can be difficult to calculate the potential of any issues or disputes within the company's future. Without having legal protection,an organization can be put in jeopardy therefore,if problems should occur,matters may become costly from a financial and reputational perspective.<br /><br /><strong>When Do I Need To Begin Looking For A Commercial Litigation Solicitor?</strong><br /><br />It will always be a great time to begin with searching for a commercial litigation solicitor. <br /><br />When you are currently involved in a legal dispute,irrespective of the sort of dispute,it will be better to hold back until the problem is settled before looking for new representation. If you wish to change your legal representative throughout a dispute,this can add pressure on the situation and may even not provide you with the suitable timeframe for new representation to build a prosperous case.<br /><br />It will always be better to identify a commercial litigation solicitor to protect this business before legalities arise. This ensures the litigator can help counsel you concerning how to safeguard the business against any potential disputes in the future.<br /><br /><strong>Final Words On The Commercial Litigation Solicitor Matter</strong><br /><br />As can be seen,the services of commercial litigation solicitors may be highly helpful to a company's owner and operator. Using the information available in this post,you may determine if a professional litigation solicitor is the ideal option for your needs.<br /><br />We hope that this short article has been useful,but if you need more help or assistance,please see [dcl=7084]<br /><br /></p>
<p>It looks like guidelines are everywhere. Ever since you were young,your mums and dads set guidelines like "bedtime is at 8" or "you can just consume cookies on Fridays." Now that you're an adult,you can eat cookies whenever you want,and no one can inform you different.<br />You're still following guidelines. You most likely are thinking about the laws put in place. Yes,you can't do anything to overcome those guidelines,however I'm mentioning other rules.<br />The guidelines I'm talking about are fictional. They do not exist. In reality,you're the one that set them in the very first location somewhere along the way.<br />Today,we're going to break those guidelines and replace them with some guidelines that will really get you to your objectives. As part of a larger series,today,we're going to take a look at rules 2,3,and 4.</p> <p>More from John Sage sales and marketing here:https://johnsagedeveloper.blogspot.com/2018/11/rules-of-game-by-john-sage.html</p> <p><strong>Guideline Two: There are no guidelines besides those you pick to follow</strong></p> <p>Continuing from Guideline One,you don't require to have rules in life. If you desire,you can toss the guidelines out the window and invest your money on whatever. However,this isn't always the most advisable lifestyle,so it's best to have some rules to follow.<br />Even so,it's on you to set those rules. You can't let anybody else do it for you. We're most likely to follow guidelines that we've set for ourselves since we understand that they're there for a purpose-- not "even if."<br />You need to check these guidelines to make certain that they are in fact beneficial. If not,get rid of them. On the planet of property investment,you can't hold yourself back if you don't require to.</p> <p><strong>Guideline Three: You get what you settle for</strong></p> <p>In whatever in life,we wind up opting for less than what we desire. I've seen it time and time once again,and if I weren't too hectic focusing on my own objectives,I 'd probably feel bad for these people. But the truth is,you'll get only what you settle for. Here's an example of this rule at work:<br />You choose that you need to discover ways to make that extra cash. At the exact same time,the thought of losing your $100,000 seems excruciating,and you 'd much rather protect what you have then make the extra money.<br />You're settling for $100,000. On the other hand,if it is just inappropriate for you to only have $100,000,you're dissatisfied with settling,and you'll do whatever it requires to turn that into $1,000,000. If you don't settle for less,the latter of the 2 situations is most likely to take place.</p> <p><strong>Guideline 4: Anything you want in life is possible if you are willing to do what it takes</strong></p> <p>Let me be clear-- I'm not proposing you desert all ethics or morals and become a callous,money-hungry individual. Rather,I want you to consider what you really want in life. Whether that suggests you want to double your net worth in the next six months or save enough for a getaway with the household,you require to be ready to do the tough work and make your objectives happen.</p> <p><strong>Stay Tuned</strong></p> <p>The guidelines of the wealth building don't end there. Follow me on social media and maintain to date with this blog to check out the next rules. www.johnsage.com.au</p>
<p>Google,the internet giant with thousands of employees spanning across the globe,has announced a plan for next fall which would see the company expand its downtown Chicago footprint with a new West Loop office in Fulton Market. Google will be leasing 6 floors of a new 12-story building that was originally designed to be a "vendor village" for companies working at McDonalds.</p> <p>Located near many corporate housing buildings,Google's new office will be near buildings like Linea Apartments and other short-term rental buildings. The 1,000 new employees Google plans to hire to fill out the space will have plenty of options for housing,<u><a href="http://yochicago.com/when-you-relocate-to-chicago-start-with-a-short-term-furnished-apartment/54603/"> including furnished rentals</a></u> and temporary housing.</p> <p>The company has leased 132,000 sq. ft. of office space in the Carpenter building and will aim to be moving by fall of 2019. The news should come as no surprise to people who have been paying attention to Chicago real estate and tech companies over the last year as more and more firms are moving their offices to downtown Chicago. Many companies have had their eye on the Fulton Market area so they can be part of a development that hasn't been completed yet,giving them input power that will last a lifetime. City officials hope that this Google expansion will lead to more tech companies following the same line of thinking,good news for everyone in the city.</p> <p>Among other benefits,more workers will fill local restaurants,bars and other local businesses. Additionally,business apartment rental building like AMLI and <u><a href="https://www.youtube.com/watch?v=tx3AhVPnf9E">MILA</a></u> Luxury will likely see an influx of new residents looking for great place to stay.</p> <p>Google's Chicago history has been greatly ramped up over the last few years,and the company continue to enjoy the benefits of the city. "What started out as a small sales office has now grown to house some of Google's most critical teams with roughly over 1,000 employees working across product,engineering,technical infrastructure,advertising and more," Karen Sauder,site lead for Google Chicago,said in a statement.</p>