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yelp legalzoom patent
As a small company proprietor you will certainly yelp legalzoom patent want to develop a legal entity structure to obtain limited obligation defense. A popular way to get restricted responsibility defense is to develop a LLC to secure your personal possessions from creditors, debtors, and also legal cases. One of the primary reasons for you to create an LLC is the benefit of having actually limited liability protection. Minimal obligation protection is paid for to all participants of an LLC An LLC should be run with a complete splitting up of personal and company assets. One advantage of forming an LLC is that of travel through taxes status, or income streaming with the entity to the members or owners. In order to preserve the opportunity of restricted responsibility defense, the company must follow all neighborhood, government, as well as state laws. The company must additionally do whatever that is called for to maintain a great company standing, pay all required tax obligations, and submit all essential documents. yelp legalzoom patent
yelp legalzoom patent Prior to you make a decision if submitting an LLC is best for your certain scenario, you will have to discover a few of the advantages, risks, and requirements that will certainly affect you as well as your organisation. Below are some of the benefits of developing an LLC yelp legalzoom patent
Advantages of Forming an LLC. yelp legalzoom patent
Just 1 member of a company is required to develop LLC.
LLC could be strained much like sole-proprietorship, collaboration, or company (IRS form 8832).
LLC can have greater than 75 participants.
Nonresidents of US can be participants of LLC.
Travel through tax for LLC just like sole-proprietorship or collaboration. yelp legalzoom patent
A Company could be the proprietor of an LLC.
Should you Form an LLC to write off business expenses?
When choosing to form a LLC you will should look at all of the choices that are available to you. First is the understanding that services, whether they are corporations, LLCs, sole-proprietorships, or collaborations could subtract their overhead. You do not should create an entity to have the benefit of deducting your expenditures. Having the status of LLC or Firm could restrict your direct exposure to audit, but it does not give even more tax obligation deductions as compared to a sole proprietorship. As an example, a sole proprietorship can subtract any legit business expense; such as mobile phone, cars and truck miles, gas made use of for organisation travel, aircraft price for business traveling, etc. Contact your Certified Public Accountant to validate that this holds true for your details circumstance.
yelp legalzoom patent With either a LLC or an S Company, all the business earnings as well as losses will certainly pass-through to the proprietors of the business yearly. When you submit your personal taxes, your accountant should provide you with a K1 for your service and also include the revenue or loss statement within your personal income tax return. This is different from that of a c corporation due to the fact that a c company exists as a lawful as well as separate entity from its shareholders. The police officers & directors are in charge of taxes, not the shareholders. The c-corporation is accountable for creating the federal government a look for every one of the profits made within the tax obligation year. The investors would include on their income tax return any rewards or salary obtained from business in the year, and not the certain earnings earned by the organisation.
Demands for Creating L.L.C yelp legalzoom patent
. There are numerous requirements for filing an LLC and a few of them are:.
LLC should contend the very least 1 member.
LLC should preserve an operating arrangement. An operating arrangement is commonly thought about a roadmap for your organisation. It will give the participants, or owners, direction describing how to deal with details circumstances for business.yelp legalzoom patent
Articles of Company should be filed with your Secretary of States Company Bureau. A Lot Of Secretary of States website supply thorough guidelines on how you can file, where to submit, what does it cost? to pay, as well as the yearly requirements if any kind of. For instance, the State of California requires all LLCs to submit an annual Declaration of Info detailing the participants of the entity. This type is additionally needed for companies.
Seems pretty simple doesn't it? Well setting up the LLC generally is easy, especially if you are intending to run a single or 2 members LLC. The more complex your business strategy, the much more complicated both the operating arrangement as well as posts will certainly come to be. If you are planning on establishing a company as an LLC with participants whom you do not know, you should consider speaking with an attorney to protect your rights. There are lots of examples of yelp legalzoom patentservices that do not prosper, and examples of businesses that have administration problems and also differing viewpoints in between members. Safeguard your interest by investing the extra time and money as well as guarantee that you have shielded your assets. An attorney will certainly be able to lead you and alert you to any type of mistakes that could happen.
There are many service firms available and also this could be an excellent path for you if you are intending on establishing a single participant or multi member LLC. Before you file, do your homework and make certain that you could trust your companions which you have the appropriate articles as well as running contract in place.
How you can Type an LLC and pay much less in taxes. yelp legalzoom patent
As mentioned earlier, you could develop a LLC by self-filing your write-ups, pay a company, speak with a lawyer, and even talk to your accounting professional. Despite which declaring approach you choose and even pick, you should consider your LLC from a tax perspective. Once you have chosen that an L.L.C. or company is right for you, the major determining variable ought to be to decrease your overall taxes. Each state will have various tax needs and tax obligation prices so contact your accounting professional as well as ask which is finest for you. Some posts or internet site will certainly claim that one is better than the other, however its beyond the extent of a short article making this case.
Many States currently supply online declaring approaches for starting your LLC. Filing online in lots of states is very easy and also takes just a few mins. You will have to have a significant credit card or debit card to complete the process of establishing your LLC. Once you position your order online, the state will examine it and also normally react within 1-5 business days.
First, you will certainly need to check for name availability. This process is commonly very easy as many states use internet site to check for readily available names. You could use the freely provided devices to try to find available names within your state.
Next, you will wish to comply with state requirements that can be found on Assistant of State web sites. Go to the state web site to discover a sample and make sure that you comply with the post requirements or your papers will be returned for adjustment. In states like California and New york city, returned papers can waste valuable time. yelp legalzoom patent
Operating Agreement for LLC.
You need to watch your operating arrangement as a roadmap for your LLC and a guide to take care of the hard questions. The purpose of having a well-detailed operating agreement is to define how the participants and even more importantly the business ought to react to details scenarios. An operating contract is required for all LLCs no matter state. An operating agreement adds much less value for a 1 member LLC since there is no likelihood of disagreement in between the participants.yelp legalzoom patent However, if you have 50 members in an LLC, it will certainly be extremely important to plainly information an operating agreement. A well composed running agreement will certainly work as a guideline for resolving numerous tight spots. If your operating agreement doesn't define just what to do in a specific scenario you may want to call an unique conference of the participants to amend the operating agreement.
Suppose it does not work out? You could Dissolve your LLC.
An LLC, like a firm, could exist , or otherwise have a finishing day. An LLC could likewise be setup with an end date for dissolution. yelp legalzoom patent If you wish to liquify your LLC you might wind up having your business investigated by the Internal Revenue Service. It is a truth that lots of businesses get examined when they dissolve, so choose to begin and shut your service intelligently. Constantly get in touch with your accounting professional prior to dissolving a business.
In some scenarios, liquifying an LLC could be quite easy to do, and it is finished in most states by filing an easy form informing the state of the intent to dissolve.
Is Forming an LLC right for you?
Forming an LLC is very easy as well as while you can do it on your own, you may be much better off seeking specialist aid when establishing your service. In some situations you will certainly need the support of an attorney, accounting professional or both. Hopefully after reviewing this you have a far better suggestion concerning the requirements as well as some of the possible risks of establishing and also running your personal LLC. While this write-up is not indicated to have all of the answers, it will ideally give you a great basis for moving forward with the development of your brand-new LLC.
LLC represents a minimal obligation company. LLC's operate much the same means as a corporation, in that it is a lawful entity that could conduct company under its very own name. Increasingly more entrepreneur' are electing to develop LLC's every year however why specifically are a lot of company owner now doing this?
As the name limited responsibility recommends the reason that numerous company owner are determining to create an LLC is to decrease their individual liability. As an example if you remain to operate your organisation as a sole owner or collaboration you are personally in charge of any kind of company debts and also for claim negotiation responsibilities brought against your business. Put simply almost everything you own can possibly go to danger as well as be utilized to work out service debts. When you set up an LLC you are in effect separating your service from on your own. By doing this you are assisting to shield assets such as your individual savings and also various other building including your automobiles, checking account, residence etc
. By developing an LLC, keeping and also operating it appropriately, you along with other participants (owners of an llc are called members) entailed should not be held personally responsible for things that could fail throughout the training course of organisation or any one of the debts that are encountered. This suggests that individual properties of the participants are shielded as well as will not be utilized as a method of resolving organisation debts.
So simply how specifically do you go about developing an LLC? Think it or not if you want to develop an LLC you will certainly find it to be a rather easy process as well as it might be one of the very best points that you ever before do for your organisation. Actually all you in fact need to do is the complying with to earn it legal and a fact:.
First you will certainly need to choose a name for your organisation. There are two important variables when it comes to doing this. The apparent one is you should ensure the name you desire is readily available and also secondly you need to make sure that it abides by your state's limited obligation company laws such as finishing with LLC. Better, some words might be prohibited by your state such as bank or insurance.
Next you need to submit development files with the state. These are normally referred to as the posts of organization or a certification of development, There is a fee to submit the files with the state as well as could vary between $50 to $500. As soon as your LLC declaring has been approved by the state you must then create an LLC operating contract. Within this contract you need to lay out the rights and duties of each of the LLC participants.
Finally a few states need that you publish notice that the LLC formation has been finished. Make certain to check if this is required by your state. Once this is finished you then simply need to obtain a Federal Tax obligation ID Number (FEIN) as well as any licenses and allows that may be required for your sort of organisation.
Discover the essentials on how you can create a LLC.
LLC's or a Restricted Obligation Company is a sort of entity that you have the ability to sign up in various states. You are able to register a LLC via the Secretary of States' office in the state that you intend to develop an LLC within.
LLC's are produced for several factors and also one major reason could be the tax advantages that could be gotten. Taxes for Restricted Responsibility Business are done using something called travel through tax. This means that the revenue made by the company as well as tax obligations for the business would be reported by the members of the Restricted Responsibility Company, it would certainly not be different from the individual.
Like Firms, LLC's have the ability to supply responsibility security for your service. It offers defense by developing splitting up between you as an individual and also business. As long as the LLC is established appropriately, it will shield you from any liabilities or concerns sustained by the company. yelp legalzoom patent
Advantages of Creating a LLC.
A benefit that Minimal Liability Companies also offer is the liberty to run your service without the headache of continual reporting. Unlike firms, LLC's are not called for to maintain a record of meeting mins e.t.c. This makes it a whole lot less complicated to run an LLC, particularly for new business owners who will not have time to spend ensuring they did the right paper job.
Making use of a 3rd party to sign up brand-new LLC's, can be useful too. Not just does it remove the problem of paper job, but it additionally gives you the assurance that the documentation is done properly, getting rid of any possibility of problems in the future.
C-Corp: You are preparing to elevate outside funding from a team of capitalists, believe your company will certainly expand to be a big business and potentially go public eventually, or you 'd favor to have all tax took care of at the corporate degree rather than passed thru to individual investors including yourself.
LLC: You anticipate your service to be smaller and also not have as many investors, and to raise little (if any type of) outdoors resources. You do not expect to go public however assume it is most likely you will certainly wish to pay the profits made by the company bent on investors often.
Still can not decide? We'll specify each entity key in extra information which ideally aids with your choice making.
LLC– Limited Obligation Company. These entities were produced to make it possible for business owners to set-up a lawful entity that gives them private lawful and economic protections (assuming you do not co-sign for the LLC's obligations) while keeping a tax reporting structure that allows the business proprietor to record profits and losses on their personal taxes. As such, LLC's are considered "Pass Thru" entities for tax functions, suggesting that the taxable revenues or losses for the business are passed thru to business proprietors, who record these as component of their individual tax obligation filings. The LLC does not pay business tax obligations commercial and also does not accumulate losses for future tax obligation offsets. Every one of this is passed thru to owners.
The LLC structure is normally best for smaller firms where there are a couple of proprietors that are actively involved in the business operations (owners of an LLC are divided right into active and easy owners, and passive owners get significantly less tax obligation benefits from an LLC framework. To be thought about "Active" you need to be meet the IRS's meaning of being meaningfully involved in the procedures of the business). LLC's in a lot of states are limited in terms of the variety of shareholders they can have, although this is transforming and there are ways around these limitations, yet again, LLCs are designed for smaller services so as you grow and also your investor base grows, you might meet some of these restraints.
LLC's are additionally a great option in scenarios where you anticipate the company with have substantial profits and also you plan to pay those bent on shareholders regularly. Because they are "Pass Thru" entities, LLC's are not taxed for the revenues and rather this is done at the private owner level. Therefore, any money from profits in the LLC has been spent for in terms of tax obligations already by the owners, as well as could be dispersed to proprietors without any additional tax obligation due. This is different from a C-Corporation that encounters just what is known as "Double Taxes" because the company pays tax obligations for its revenues, and after that investors pay tax obligations for any kind of circulations (dividends) paid to them. It is very important to note that LLC's do not need to distribute revenues to shareholders. You can elect to maintain revenues in the company instead to reinvest in business (or just maintain for a stormy day). Each holders share of these revenues is tracked in their capital account (component of the equity piece of your balance sheet).
We do not have information to show it, yet have learnt through some individuals that they believe LLC's obtain marked down values to some degree in a purchase, particularly if the acquirer is a C-Corp (note: essentially every public company in the United States is a C-Corp). There are 2 probable disagreements for this view. Initially, because LLCs are not exhausted, they are more probable to have some fashionable stuff taking place when it comes to capital accounts, preserved revenues, etc. Due to the fact that C-Corp finance groups do not understand LLCs too, they could be naturally careful, which could impact the assessment paid. The second factor is that it is regarded as being much easier for a C-Corp to buy an additional C-Corp, whether it is the process of tackling outstanding stock choices, taking care of tax matters for the stub year of the procurement or various other aspects, there is probably some practical debate right here. Once again, we do not have information to back this up, yet it deserves stating as you consider the best structure for your business.
One last note on LLCs. If you have any kind of strategies to elevate cash from institutional investors, DO NOT develop a LLC. There is an easy explanation for this. Many endeavor funds are prohibited from purchasing LLC's since these entities can produce UBTI (unassociated business taxable income) for the venture fund, as well as as a result for the funds limited partners. The majority of venture fund restricted partners are non-profit entities, and also one of the easiest means to mess up this category is to receive UBTI. Consequently, endeavor fund records most likely to wonderful lengths to guarantee they will certainly not remain in a circumstance where they might take on UBTI. Prior to you compose a comment listed below, yes, you are proper, there are plenty of instances of endeavor firms purchasing LLCs (wait, but you said …). NEVERTHELESS, in these instances, the funds in fact invested in something called a "blocker corp", which is a C-Corp developed for the express objective of investing in a LLC. This "blocker corp" effectively obstructs UBTI from coming into the fund, due to the fact that it is handled within the blocker corp's C-Corp framework. So, yes, they TIN make a financial investment in an LLC, it is an annoyance for venture funds to do this and also they would considerably favor you have a C-Corp. We 'd additionally say that entering to pitch a venture fund with a LLC structure will certainly reveal you as being somewhat naïve about companies and endeavor funding, which could not be a major knock, however is still a knock. Considered that, why provide a possible reason for a possible financier to look elsewhere?
C-Corporation. C-Corporations are just what we take "normal" business entities since these are the kinds of entities we see and deal with daily. C-Corps are taxable business entities, indicating that each year they report their profits/losses and pay taxes (state and government) when they make a profit, as well as tape-record a tax loss carryforward when they have a loss (these can generally be used against future year earnings for tax purposes). Investors in C-Corps have no tax implications from revenues or losses as a result of possessing shares in the entity, and also would only have to pay tax obligations if they were to receive a dividend repayment from the company or were to offer their shares for a profit. In addition, the 'Business Shroud' of C-Corps is really strong in legal circumstances, suggesting it is practically uncommon that a shareholder of a firm would certainly have any kind of legal responsibility for the actions of the business because of merely being an investor. While LLCs have similar defenses, they are much less evaluated in the courts and because these entities are commonly related to personal businesses, it remains in some cases possible for plantiffs to "puncture the corporate shroud". There is a vast amount of legal precendent for C-Corporations, which is an important consideration, especially as you organisation grows as well as the probability of some jerk trying to bilk cash out of you for some fake lawful case rises (do you obtain the sense we do not such as trial attorneys?).
The key downsides for a C-Corp is that they are somewhat more expensive to preserve from a lawful as well as tax obligation filings perspective, and also face "double tax" when distributing earnings to investors. This 2nd item is the most important, and is best discussed with a quick instance. Take a company that pays 25% in taxes on every dollar of earnings, with investors who each pay taxes at a 30% effective rate. The company reports earnings of $1,000 for the year, and also pays $250 of that in taxes. The company determines to pay the rest to investors, so pays out $750 in returns. Investors report these dividends and also earnings, as well as are strained on them at the 30% price (not at the reduced Resources Gains tax price), so of the $750 in dividends paid out, $225 mosts likely to pay taxes. So, with a C-Corp, of the $1,000 in revenues, $475, or 47.5% is paid in tax obligations. If the entity were a LLC, business would pay no tax obligation on the $1,000 profits. Instead, people would pay tax obligations on these earnings at their individual tax obligation rate, so in this instance, $300 would certainly go towards taxes, and also the various other $700 would be paid to investors. This is a 17.5% tax obligation hit for having a C-Corp structure, which huges (and in our sight a silly process, however we question this obtains altered anytime soon, or ever).
Below is the bright side. If you are intending to increase financial backing or cash from Angel investors, it is unlikely you will certainly ever before pay rewards anyways, so you should not let the double taxation concern trouble you excessive. Capitalists anticipating to earn multiples on their first financial investment are going to have a hard time gaining an appropriate rate of return based on returns settlements. While every chosen financing framework we have actually ever before seen has returns as component of the offer, these are non-cumulative (or must be) as well as are actually only in position as a defense reaction for financiers (to stop typical owners from paying out all of the funding in a service to themselves).
On equilibrium, we would certainly recommend you opt for a C-Corp unless you are a local business or have a small team of owners. This is one to go over with your co-founders as well as lawful advisors, but if you would certainly inspect any of packages in the quick summary over for C-Corp, we would certainly recommend performing.
Quick note: It is possible to transform an entity from a LLC to a C-Corp. It could be a pain to do this, yet it can be achieved, so do not worry if you are currently formed as a LLC, you can change it later– we would certainly recommend you intend to do it together with an outdoors financing round as it is not an economical process. Allowing prospective financiers understand you are a LLC yet plan to convert with the funding can assist with the mild knock we assume you'll obtain for being a LLC to begin with.
Second quick note: If you prepare to self-fund business for a few years before increasing outside resources and also are into optimal tax obligation preparation (and also have a great tax obligation and business attorney), think about structuring as an LLC in order to recognize early year losses directly prior to you raise outdoors cash. Strategy to convert when your business begins to develop a profit or when you raise outdoors capital (whichever comes first). This just works if you are self funding with a purposeful quantity of cash, as well as will call for extra job (as well as lawful charges), so we doubt this is the ideal path for concerning 97% of the people reading this write-up, however we such as tax obligation optimization so figured we 'd state it for the 3% of you out there.
Appropriate variables to incorporating as a C-Corp:.
Consider favor:.
Promotes outdoors financial investment – lots of investors can just buy C-corporations.
Assists in supply choice strategies, convertible notes, etc
. Possible customers could really feel that a company is extra substantial and a lot more "real" than an LLC.
A lot more management flexibility.
Factors versus:.
Potentially a lot more business rules, like having a board.
If the strategy is to primarily issue rewards to stockholders.
Relevant factors to creating an LLC:.
Factors in favor:.
If your objective is a 'way of life organisation'.
Strategy to pay revenues to shareholders on normal basis.
Elements against:.
Venture capitalists tend not to want to invest in LLCs.
May obtain somewhat lower evaluations in procurements.
May get extra costly and also challenging as company grows.
Can be structured to resemble a firm, but that includes added complexity and also cost.
Relevant factors making an S-Corp election:. yelp legalzoom patent
Factors in favor:.
If your objective is a 'way of life business'.
The company will certainly make a profit right after the incorporation as well as will certainly disperse it to the investors.
Factors versus:.
Restriction on the variety of shareholders (100 maximum).
Regulations on that your stockholders could be.
Generally not feasible for venture-backed business.
Right here is how to develop an LLC:.
Select a Name for Your LLC.
Select a Registered Agent.
Have a Business Legal Representative Prepare Your Articles of Organization.
Have a Service Lawyer Draft Your LLC Operating Arrangement.
Obtain an Employer Recognition Number (EIN) from the Internal Revenue Service.
Open a Checking Account for the LLC.
Have Participants Daft a Financial Investment Depiction Letter.
Prepare and also Submit Form LLC-12 Statement of Info.
Pay the Yearly Cost to the State Franchise Tax Board.
Determine the Tax Obligation Standing for the LLC.
Make an application for Any Kind Of Essential Permits and also Licenses.
To your 2nd inquiry, you are better off working with an attorney to do it for you if there is more than someone (significance you will require an Operating Contract) or there is any kind of intricacy.
I concur that perhaps the most fundamental part is preparing a good operating agreement, solutions like lawful zoom will not provide you with a customized Operating Arrangement and accounting professionals don't truly like preparing controling documents.
Every state needs every LLC to have an operating arrangement as well as it is one of one of the most important papers you'll ever plan for your LLC. yelp legalzoom patent
An operating arrangement that is customized to your LLC must be prepared as well as submitted by your company attorney to ensure that it is exact and also total.


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Amazon Caves to SEIU, Color of Change; Drops ALEC
At their shareholder meeting today in Seattle, Amazon announced that they are dropping their affiliation with the conservative American Legislative Exchange Council (ALEC). Michelle Malkin discusses it here, along with a brief response she received from Amazon. A petition had been going, started by a small group calling itself "Working Washington", as well as a protest they organized. But this was not the work of a little, grassroots protest group. It was a massive effort that has been going on for some time.
Michelle Malkin warned that this was coming in her previous piece here. PJ Media discussed it in depth back in February, outlining the Left's united effort to shut down ALEC, including Van Jones, Joel Rogers, Starhawk, & Soros funded groups. Van Jones' Color of Change had called Amazon out directly and waged a boycott unless they dropped their ALEC affiliation.
Who is the little protest group appearing at the shareholder's meeting this week? Working Washington is actually SEIU, Obama's favorite union, which was reported by the Seattle Times back in December, as the same group was co-opting Occupy Seattle:
But Working Washington is not truly grass-roots. It's an arm of the Service Employees International Union, or SEIU, which is known for its aggressive political tactics as one of the state's most powerful unions.
Working Washington has support from other labor and consumer groups, too, including the Teamsters and Washington Community Action Network.
Working Washington shares office space and staff with SEIU and was created as an attempt to bring new voices to the issues the left-leaning union has championed for decades: fair working conditions, health care, better wages and benefits.
Michelle Malkin correctly suggests that now is the time for consumers to speak out, as Amazon is just one of many on the list of targeted businesses:
If you don't speak up, they'll cave, too.
Before you pull your dollars from Amazon, I suggest using your customer clout to pressure Amazon to reverse course. These companies need to hear from customers and investors that suppressing conservative political participation is not good for their business. Stand your ground.
This isn't just about ALEC. A dangerous precedent is being set, as unions and leftist radicals continue to intimidate or manipulate one corporation after another, from Target to Amazon, in a very organized effort to remake this nation.

subset: commoncrawl


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Margaret Mezei is on faculty at the University of Lethbridge, Department of Music, where she teaches clarinet, saxophone and music appreciation. She is also the Director of the Conservatory of Music, a position she has held since 1989.
A native of Southern Alberta, Ms. Mezei earned a Bachelor of Music degree in clarinet performance from Washington State University and a Master of Music (magna cum laude) in Clarinet Performance and Pedagogy from Michigan State University where she studied with Dr. Elsa Ludwig-Verdehr.
She has been a recipient of Canada Council Arts Awards, performance scholarships, and was named Pi Kappa Lambda by the American National Music Honors Society. Ms. Mezei is active as a clarinetist, clinician, examiner and adjudicator. She has appeared several times as soloist with the Lethbridge Symphony Orchestra and Musaeus. In addition, she performs regularly as an orchestral and chamber player, and frequently presents solo recitals.
Margaret Mezei plays Buffet clarinets and is a featured artist for Boosey and Hawkes musical instruments.


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T AMPA – Bill Parcells says his cholesterol number is 179.
You can believe that if you wish.
He also says he's never going to coach again.
You can believe that, too, except for one minor point. He's said it before. He may even have meant it at the time he said it.
But he always wound up coaching again.
Once again, Bill Parcells has managed to make himself a story at the Super Bowl. But this time, he has accomplished something he had never done before in his illustrious career.
He has managed to make himself a story at a Super Bowl in which he has no direct involvement.
Yes, he coached the same New York Giants for eight seasons and won two Super Bowls, including the last one played in Tampa, 10 years ago, when Kid Bush's old man was the president.
But his only reason to be in town this week (he said) was to play golf in Jupiter and yesterday, to host an awards ceremony for the NFL's Cholesterol Screen Team, an outfit devoted to reducing heart disease.
"I'm a heart disease survivor," Parcells pointed out, having undergone two angioplasties and an operation he describes as "a kind of Roto-Rooter job" on his coronary arteries.
Of course, that is not the reason why the ballroom at the Tampa Convention Center was packed with reporters, who normally are about as eager to take a cholesterol test as they are to spring for their own dinners.
Worst of all, in the spirit of the event, all the buffet table had was healthy stuff, turkey wraps and bean sprouts and decaf.
Everybody turned out to hear what Parcells had to say about the NFL and his future therein. And then, to translate his words into honesty.
If instead of those pompous Roman numerals Super Bowls were given taglines the way prize fights are, this one might be dubbed "Liar, Liar."
Because the two most compelling figures, Ray Lewis and Bill Parcells, both seem to have a slight problem in regards to the truth.
To paraphrase Reggie, one's a born liar, the other wasn't convicted. He pled out.
In the annals of NFL obstructionists, Parcells is good, but nowhere near the class of Lewis, obfuscator extraordinaire.
And Parcells is not an evil liar, like Lewis, who held back some facts from the cops regarding a murder he had just sped away from in a limousine the night of the last Super Bowl.
Parcells is more of a fun fibber, a frustrating but ultimately harmless guy who plays word games the way Hendrix played the Strat, a football coach who can lawyer a question with the finesse of a Johnnie Cochran.
Yesterday, after Parcells and his straight man for the day, Joe Montana, had delivered their anti-LDL cholesterol spiel and given a trophy to Brian Griese, the games began.
A reporter from Cleveland asked Parcells a straight-forward question: "Did you just turn down the job of Director of Football Operations for the Cleveland Browns?"
Parcells went into his well-rehearsed act – the wide eyes, the incredulous scowl – then gave him a sideways answer: "No, I did not turn down any job from the Cleveland Browns."
Follow-up: "Did you talk to them?"
Answer: "No. No . . . well, not really."
This, of course, lent a whole new meaning to Parcells' previous response. Perhaps he was telling the truth. Maybe he did not turn down the job from the Cleveland Browns.
Maybe he accepted it.
Or maybe not, since next up popped a rumor that Parcells will be heading to the Tampa Bay Buccaneers as their coach and GM.
"I can't control any of the rumors concerning the Bucs," Parcells said. He is almost spluttering by now. "The first I even heard of that was this morning."
Then, comes a question from a reporter from Boston: "Bill, you said the Patriots job would be your last coaching job . . . "
Parcells cuts the man off. "No, I didn't say that."
Then, he remembers that, yes, in fact he did say that.
"Well, hey, I did," he admits. "I changed my mind, but this is America, we can do that."
"Is it possible," he was asked, "That you will coach again somewhere?"
"I don't think so, I don't think so," Parcells said. "I really don't."
Now, we are all over him.
"Are you saying never?," another guy chimed in.
"Now, don't make me say never, never, never," Parcells said, his face reddening. His cholesterol may be low, but his blood pressure was certainly rising.
"But I said it last year, I said it all through the year and I'm saying it again now. It's not my intention to coach again. How do I know how you guys interpret this stuff?"
Momentarily returning to the theme of the news conference, a reporter asked Parcells if he is physically up to the challenge of coaching again.
"Oh, yeah, sure," he said.
Might he come back not as a field coach but just as a GM?
"I don't think so," he said.
That, ladies and gentlemen, is known in the trade as a non-denial denial.
This weekend, Bill Parcells may find himself elected to the Pro Football Hall of Fame, and he certainly belongs there.
At 59 years old, he also probably belongs on the sidelines, teaching another football team how to win.
But the way he operates, he is most likely to become the first man to do both, have a bust in Canton and a job as head coach.
Because even though he is not involved in this Super Bowl, he has plenty to do with the fact that the 2001 Giants are.
The winning attitude that pervades this Giants' team began the day in 1983 when Parcells was named to replace Ray Perkins as head coach.
He did the same for the New England Patriots, possibly the worst franchise in any professional sport until they hired Parcells as coach/GM in 1993. Two years later, they were in the Super Bowl.
If any school offered a course on winning, Parcells would be the man to teach it. But if they offered a course on honesty, Parcells ought to grab himself a front-row seat. And pay attention.


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Natural home remedies for scabies can help you a lot in minimizing the effects of scabies or getting rid of it entirely. Remember that many medicines are made from natural resources so the y can help but be careful of chemically oriented medication.
Scabies is a contagious disease caused by parasitic scabies mite that feeds on dead skin cells. It does appear as an itchy rash and it usually starts off on the hand.
It can easily spread from one person to another through skin-to-skin contact. An outbreak of scabies calls for treatment for everyone in the family though some may not have the scabies symptoms. This has to be done to prevent the mites that have survived on the skin of others, from returning in a couple of weeks.
Scabies is transferred when fertilized female mites burrow their way through the top layer of the skin and lay their eggs. The burrowing can sometimes produce visible lines on the skin. The eggs hatch in about three weeks, bringing forth a generation of mites that will be ready to multiply. After a few weeks, the insect's excrement manifests itself as an itchy rash on the body.
If you do not want to treat this problem with chemical medication then your best and reliable choice will be home remedies for scabies treatment.
Can you catch scabies from a dog or cat? Human mites are different from those of cats and dogs. Animal mites may only have temporary itch on the skin.
An oatmeal bath can help relieve itchiness from scabies. Put 1 cup of oatmeal in a cheese cloth and tie it with a string. Float it in a tub of warm water and immerse yourself in it for 30 minutes to relieve itchiness.
Sulfur is one of the home remedies for scabies with strong reputation for treating scabies. However, anyone who has suffered from a pre-existing skin condition such as eczema or psoriasis problem, before developing scabies should be careful with this remedy.
In this case, it will be appropriate to consult the help of a homeopathic practitioner to direct the progress of the condition. Symptoms of scabies that call for this remedy include serious itching of the skin especially at night, after scratching or washing.
These home remedies for scabies are mainly for people who live in Asia and have access to the tropical plants.
Moringa juice: However if you live in the western world you can use moringa juice which is the same as drumstick juice.
Neem leaf paste is believed to be the best natural cure for scabies. Prepare a paste of fresh neem leaves or dried neem leaves and mix it with mustard oil.
Put it on the affected area and let it stay on for 60 minutes, and take a shower. Mustard oil can cause irritation to some people if left on the body longer than an hour. You may get this at Amazon site. You may also use neem oil which is also available at the site.
Use this remedy for 8-10 days for full healing of the lesions. Also drink 1 tablespoon of neem leave decoction continuously for healing. Soak your clothes in boiled neem water, then wash and rinse them to stop infection.
Henna is rich in certain chemicals that are effective in treating scabies, Make a paste with the fruits, leaves, powder, and bark of the plant and apply it directly to the affected area. Henna is not known to have any side effects except for transient discoloration of the skin. You can get the leaves and powder on amazon site.
If you are using natural treatment for scabies you will need to have patience for it to work. After all, natural foods take longer to cook than fast food and they taste and work better.
You may consult your physician before using any of these home remedies for scabies treatment.


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A home equity line of credit gives you access to a considerable amount of money, typically up to about 85% of your home's value, less the balance remaining on your mortgage. HELOC is usually considered a "Second mortgage" loan. A home equity line of credit works in a similar manner like a credit card. You get a variable interest credit line of up to a certain limit and can tap it when you want. You pay interest only for up to 10 years, what's known as the "draw period." After that, you must pay back interest and principal. The amount of money you can borrow depends on the value of your home, how much you owe on your first mortgage and credit score.
Under federal law, you have three business days to cancel a signed HELOC agreement without any penalty. You can cancel for any reason, as long as your primary residence is used as collateral. The main benefit of HELOC is that it allows you quick and continuous access to money. Funds become available on the fourth business day after you sign all the documents. You can access available funds anytime during the draw period and transfer funds 24/7 using Online Banking programs.
Although equity available in your home is the main requirement for getting the best home rates, other factors will also influence lender's' decision. These are your credit and your level of debt compared with your income. An excellent credit score will provide you a low APR. An average score will net you a higher rate, and a low credit score could keep you from getting a home equity loan altogether.
Find out more about HELOC and get the best rates by contacting our brokerage experts. We will carefully evaluate your financial profile and possibilities and provide the best HELOC options.


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Are you interested in booking a group or event with Augusta Best Hotels?
Do you have an event planned in Augusta, Georgia? Let our exceptional Sales Team take some of the pressure off your planning! Call our Sales Team to help you reserve your rooms and ensure the highest guest satisfaction
We create, manage, and handle all aspects of group blocks. Including:
Kelly Hill, Sales Director
Cell (706) 363-5853
Office: (706) 855-6089
Please Fill Out The Form Below


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#BEDN: Top Ten Tips to Get S*it Done!
This might just be me, but when I have a huge amount of things to do, I tend to just bury my head in the sand a la the ostrich and hope that the To Do List Fairy comes along and does it all for me. She doesn't.
So, then, it is my task to catch up on all of the things and as something of a bit of a last-minute-Minnie, I feel that I've managed to try and test a whole host of ways to get my focus on. As a way of procrastinating from the things in my life that need doing, I figured I would share my tips with you. You're welcome.
- Tidy your workspace. Although it will feel like procrastinating (& technically, it kinda is...) it will make you way more productive in the long run. You can at least kid yourself that you've got your life together.
- Write a list. Whether you use a super cute list pad, like these, an old receipt, or an app on your phone, seeing all your tasks in one place, and the feeling of accomplishment that comes with ticking them off will hopefully motivate you.
- Block social media. I know, I know. You just go on to check something and two hours later you're stalking your ex boyfriend's new girlfriend's uncle with no idea how you got there. The very best thing you can do is use something like Strict Workflow, which blocks all fun sites for 25 minutes and then gives you 5 minutes of access as a 'break'. This got me through endless essays at uni!
- I cannot recommend the 30/30 app enough. It's beautifully designed and allows you to allocate a set amount of time for your activities, giving you an alarm when it's time to move on. I like to treat it like a game and try to beat the amount of time I set myself - it also stops me spending hours on fun tasks and ending up hating myself when I've not achieved a whole lot...
- I'm not even ashamed to say that I have the mentality of a small child at times. I like to promise myself a reward if I complete certain tasks, whether that is a snack, a nap, a hot bath or a glass of wine. (The latter of which you probably shouldn't be offering your toddler...) Do whatever works for you, and keep striving to the reward!
- Keep snacks and drinks around you. Perhaps try some semi-healthy snacky foods, I happen to love berries and grapes for when I'm working... and biscuits but I do try to limit those (sometimes!). Try to keep stocked up on juice or squash or water rather than many cans of energy drink - they won't help as much as you think. Which leads me on to my next point...
- Drink Berocca! I wasn't a fan at first but now I love the taste and I save Berocca Boost for particularly important or busy days. It makes me feel good and pumped and ready to focus - Yay!
- Find yourself a good playlist. This is my favourite for listening to whilst I'm working as it's all pretty chilled and doesn't distract me too much. I like to listen to it with headphones so I'm in my own little bubble.
- Work when you work best. For example, Steven works really well early in the morning and will often get up before 6am and crack on like an annoyingly chipper productivity train. I, on the other hand, work best either on public transport or late at night with wine and candles (like I'm seducing my writing...) so I don't ever try to work in the early hours.
- Finally, in the words of Shia LeBeouf...
Good luck! What are your top tips for getting stuff done?


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Date: April 9, 2018
Location: Hilton Memphis
Photographer: Mark Ramirez
Website: josephinecircle.com
Josephine Circle, Inc. held its annual Luncheon, Fashion Show and Auction recently, and this year's theme was "Luncheon at Tiffany's". The Shops of Saddle Creek served as a cohost and provided the fashions for the fashion show. Proceeds from this fabulous event go toward funding for Josephine Circle's interest-free loan and scholarship programs to deserving young men and women pursuing a higher education.
Share this Event from 4Memphis Magazine


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Pizza With Asparagus
By Florence Fabricant
1 hour 40 minutes
Pan-Seared Halibut With Olive Oil Potatoes
By Alex Witchel
1 hour 45 minutes
Good Housekeeping's Popovers
1 hour 15 minutes
Spaghetti and Meatballs
1 hour 10 minutes
Braised Short Ribs
3 1/2 hours
Dolly Sinatra's Marinara Sauce
45 minutes
Grilled Tuna in Flank Steak Marinade
10 minutes plus 30 minutes to 2 hours for marinating
Pan-Fried Pizza
By Mark Bittman
2 hours
A Plain Pizza Pie
By Sam Sifton
1 hour
Pizza Dough
By David Tanis
20 minutes
Bacon and Egg Pizza
By Melissa Clark
30 minutes
Pan Pizza Dough
30 minutes, plus 15 to 20 hours' resting time
Joshua Bright for The New York Times
A deep-dish cousin to quiche that's packed with Italian deli meats and cheeses like prosciutto, pepperoni, soppressata, mozzarella and provolone, this rich pie, also called Easter pie, is traditionally made on Good Friday and served on the holiday to celebrate the end of Lent. This version came to The Times from Carlo's Bakery, in Hoboken, N.J., of "Cake Boss" fame, and it is the only savory item the bakery makes. It's typically eaten at room temperature, but the staff at Carlo's enjoys it warm right out of the oven.
Featured in:
An Easter Treat From The 'Cake Boss'.
Learn: How to Make Pizza
15 minutes, plus 1 hour to heat oven
By Suzanne Lenzer
About 30 minutes
1 hour, plus rising
By Jacques Pepin
55 minutes
15 minutes
By Martha Rose Shulman
About 10 minutes
By Sarah Copeland
Cooking Guide
By Sam Sifton
By Melissa Clark
By Julia Moskin


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Mutual Of Omaha Customer Service: 866-293-8529
Mutual of Omaha Life Insurance Claims: 888-493-6902
Mutual of Omaha Annuity Customer Service: 800-488-7566
Mutual Of Omaha: https://www.mutualofomaha.com/
United Of Omaha: https://www.mutualofomaha-lifeinsurance.com
About Mutual of Omaha
Founded in 1909, Mutual of Omaha is a mutual insurance company that offers insurance, banking, investments, and retirement products through multiple subsidiaries to individuals and organizations. Best known for its Medicare Supplement plans and life insurance, Mutual of Omaha also owns Mutual of Omaha Bank and was the main sponsor for Mutual of Omaha's Wild Kingdom from 1963 to 1988.
For 2017, Mutual of Omaha generated over $8.6 billion in revenue and holds a $3 billion surplus from 2016.
Resources: https://en.wikipedia.org/wiki/Mutual_of_Omaha
Questions About Mutual of Omaha
What Is Mutual of Omaha's A.M. Best Rating?
Currently, Mutual of Omaha holds an A+ rating from A.M. Best, which is one of the highest positions for an insurance company to hold in terms of financial strength.
Read more about A.M. Best: https://en.wikipedia.org/wiki/A._M._Best
What Is Mutual of Omaha's Wild Kingdom?
More recently known as Wild Kingdom, which aired on Animal Planet, Mutual of Omaha's Wild Kingdom originally aired from 1963 to 1971 on NBC and was in syndication from 1971 to 1988. Crafted by conversations between then CEO V.J. Skutt and zoologist Marlin Perkins, Mutual of Omaha began sponsoring the program, which won Emmy Awards from 1966 to 1969 for "outstanding program achievement."
Animal Planet later revived the show for a new generation. Wild Kingdom was a redesigned version of the original series, with Mutual of Omaha still being the main sponsor. This version ran weekly from 2002 to 2005.
Read more here: https://en.wikipedia.org/wiki/Wild_Kingdom
What Does Mutual of Omaha Do?
Mutual of Omaha is a insurance and financial services company that provides options for Medicare Supplement, life insurance, employer benefits, annuities, retirement accounts, and other financial products for individuals and organizations. Rated high in customer satisfaction and quality of product, Mutual of Omaha is considered one of the best companies in the industry.
What Is a Mutual of Omaha Advisor?
A Mutual of Omaha advisor is an insurance and financial services producer (salesperson) that solely represents Mutual of Omaha, much like a State Farm agent only represents State Farm. The term "advisor" is misleading in this industry, as it often means "insurance salesperson," and these advisors work exclusively for the company they are contracted with. The main issue with exclusive/captive agent situations is that the "advisors" are required to look out for the best interest of the company — which isn't always in the best interest of the client. These positions are often 100 percent commission sales jobs with required quotas.
You can read more about the job of a Mutual of Omaha advisor here: https://www.smartrecruiters.com/MutualOfOmahaFinancialAdvisors/83666097-insurance-based-financial-advisor
Who Owns Mutual of Omaha?
Mutual of Omaha is a mutual insurance company, which means it is owned by the policyholders. By comparison, a "stock" insurance company (like Allstate) is owned by the shareholders and oftentimes is traded on the public stock market.
Where Is Mutual of Omaha's Headquarters?
Mutual of Omaha's headquarters is in Omaha, Nebraska. The company employs over 5,000 people in conjunction with a nationwide team of sales "advisors."
Mutual of Omaha Life Insurance
Mutual of Omaha offers affordable term life insurance as well as a host of permanent life insurance products, such as whole life and universal life.
Mutual of Omaha Term Life Insurance
Mutual of Omaha provides some of the simplest and easiest term life insurance coverage you will find on the market. As with other life insurance companies, Mutual of Omaha is directing much of its customer base to a simplified-issue type of term life insurance policy to help speed up underwriting time. As a leader in the no-exam life insurance product category, Mutual of Omaha's term life insurance coverage is one of strongest and most customizable term life options out there.
To qualify for simplified underwriting, the face amount must be between $25,000 and $300,000. If more coverage is needed, then you have the option to go through the standard underwriting process, which requires a medical exam.
Mutual of Omaha offers standard 10-year to 30-year term life insurance, with the option for a return of premium on the 20-year and 30-year term products. The company's term life insurance policies also offer additional benefits AT NO ADDITIONAL COST to customers who purchase a term life policy, such as:
Accelerated death benefits
This is a standard feature of most every term life insurance policy on the market. This rider allows for there to be a lump-sum payout of 92% of the face value of the policy in the event your life expectancy is 24 months or less because of a terminal illness.
Living benefits riders
For non-return of premium policies, you can tap the face value of the life insurance policy in the event that you have a qualifying critical, chronic, or terminal illness, up to the amount authorized in the policy. Living benefits are great options to have if a serious health issue arises. For example, they can assist in paying for medical expenses incurred in an end-of-life situation.
Residential damage rider
If your main residence receives $25,000 or more in damage, Mutual of Omaha will waive your premiums for six months.
Waiver of premium for unemployment rider
If you become unemployed as the result of a qualifying event, Mutual of Omaha will waive your premiums for six months.
Common carrier death benefit
If the insured dies as a fare-paying customer on an airplane, train, or bus, Mutual of Omaha will automatically provide an extra benefit that is equal to the face value of the policy, up to $250,000, in addition to the policy's normal death benefit.
Additional riders are available, such as dependent children riders and accidental death riders. However, these require an additional premium on top of the standard policy.
How Much Does Mutual Of Omaha's Term Life Insurance Cost?
In the picture below, we show you the cost per month for a $100,000, 20-year term life insurance policy. This is for a 44-year-old male non-smoker in average health who lives in Arizona.
As you can see, Mutual of Omaha is not the cheapest life insurance option when compared with others. This might be because the term life insurance product Mutual of Omaha provides has much better riders built in automatically.
Read More About Mutual of Omaha's Term Life Insurance
Mutual of Omaha Universal Life Insurance:
Life Protection Advantage:
Life Protection Advantage is an indexed universal life policy that provides a guaranteed death benefit up to age 85 (or longer), provides flexibility with cash value access and accelerated death benefits, and offers the potential for cash value increases, compared with fixed-interest-rate universal life policies (because the premiums are invested in index funds).
Income Advantage:
Income Advantage offers many of the same benefits as Life Protection Advantage, with a few differences. The Income Advantage policy is an indexed universal life policy, but your money is never invested in the market, and you are guaranteed to receive no less than 0% in cash value growth, which allows for better cash value accumulation.
Guaranteed Universal Life:
The Guaranteed Universal Life policy is a different type of policy because it focuses on the guaranteed death benefit instead of cash value accumulation. This plan IS NOT invested into index funds, but it still provides excellent flexibility through the use of various optional riders.
Mutual of Omaha's AccumUL is a fixed universal life policy that offers a guaranteed interest rate of no less than 2% per year on the cash value accumulation. This policy has more of a focus on building cash value as compared with the Guaranteed Universal Life option.
Read more about universal life policies here: True Blue Universal Life Page
Mutual of Omaha Whole Life Insurance (Builds Cash Value):
Guaranteed Issue (Guaranteed Coverage):
Mutual of Omaha's Guaranteed Coverage guaranteed issue life insurance policy is designed for older customers seeking the protection of a life insurance policy for final expenses. This coverage is a graded benefit plan with a maximum face amount of $25,000 for people who are 45 to 85 years old.
Simplified Underwriting:
For people looking for whole life coverage, Mutual of Omaha offers a whole life product with simplified underwriting, which means there is no medical exam and limited health questions involved in securing this coverage. For a whole life policy, the maximum face value offered for simplified underwriting is $50,000 for individuals who are 18 to 85 years old.
Standard Whole Life:
Customers have the option of working with a Mutual of Omaha salesperson to obtain a traditional whole life policy with better coverage options and higher face values. The downside to these policies is that underwriting often takes longer and a medical exam is required to secure coverage.
Read more about whole life policies here: True Blue Life Insurance Buyers Guide
Read More About Mutual of Omaha's Guaranteed Issue Life Insurance
Questions About Mutual of Omaha's Life Insurance
Does Mutual of Omaha Offer No-Exam Life Insurance?
Yes, Mutual of Omaha offers life insurance products that do not require a medical exam. The polices are available in the company's term life insurance and whole life insurance products. They may have a higher cost when compared with more traditionally underwritten life insurance polices.
Mutual of Omaha Cancer Insurance
As one of the most overlooked insurance products on the market, cancer insurance provides coverage for expenses related to the treatment of various forms of cancer.
Ten years ago, many professionals saw this type of coverage as more of a luxury than an important piece of protection. Today, given the changes in health insurance, increased maximum out-of-pocket expenses, and rising numbers of uninsured members in the general population, protecting yourself against the financial exposure of a serious illness or disease is more important than ever.
Mutual of Omaha's Cancer, Heart Attack & Stroke Insurance offers protection from the unknowns of one's future health by providing additional funds to help offset medical bills that can accumulate from the treatment of major covered conditions.
Ideal for individuals, families, and small business owners, cancer insurance helps ensure financial peace of mind if a major health event arises.
Questions About Mutual of Omaha's Cancer Insurance
Is Mutual of Omaha Cancer Insurance Worth It?
Professionals in the insurance industry are often torn on this topic, so the answer to this question is largely based on who you ask. Considering that health insurance policies today typically have a much larger out-of-pocket limit than policies did 10 years ago, more people are looking at these types of policies as a way to help offset out-of-pocket costs attached to their main health insurance, as well as other expenses not covered by health insurance.
Whether cancer insurance is worth it depends largely on the amount of risk you are willing to take.
What Does Mutual of Omaha Cancer Insurance Cover?
Cancer insurance can be used in a multiple of ways, from income replacement for time taken off work for treatment, the costs of treatments, or to keep your business running in the event of a cancer diagnosis. Depending on the policy you choose, you can either receive the payment in a lump sum upon diagnosis or submit claims based on treatment.
What Are the Benefits of Mutual of Omaha Cancer Insurance?
The main benefit of a cancer insurance policy is the ability to obtain a lump-sum payment in the event of a diagnosis of a covered condition that is almost guaranteed to be a financial burden. With Mutual of Omaha's Cancer, Heart Attack & Stroke Insurance product, these benefits pay out to help prevent unnecessary financial stress on the family during this time.
How Much Does Mutual of Omaha Cancer Insurance Cost?
Mutual of Omaha offers you the ability to easily run a quote on its cancer insurance product on the company's website. You can also choose whether you want just cancer insurance or coverage for heart attack and stroke, as well. These different options can change the price of the policy. However, the overall cost will be based largely on the amount of coverage you seek.
Example: The price quoted for a 37-year-old male in Alabama seeking cancer, heart attack, and stroke coverage was $22.45 per month, per the initial response of the company's quote page.
Mutual of Omaha Accidental Death Insurance
Accidental death and dismemberment (AD&D) is one of the cheapest life insurance policies you will every have the chance of owning because it only covers the insured if death occurs as the result of an accident. Because of this, there are no health questions or medical exams to worry about, and a company like Mutual of Omaha has the reputation needed to help you feel confident about your protections.
Read about what isn't covered here.
Mutual of Omaha's Guaranteed ADvantage accidental death insurance can provide up to $500,000 in accidental death coverage and covers you whether death is work-related or not. This policy also offers a return of premium (premium refund) and a 100% increase in the death benefit if death is the result of an accident while you're a fare-paying passenger on a common carrier (boat, train, bus, or plane).
Read More About Mutual of Omaha's Accidental Death Life Insurance
Mutual of Omaha Medicare Supplement Policies
If you are over 65 or have a qualifying disability like end-stage renal disease, you are eligible for Medicare Part A and B through the federal government. As one of the best companies offering Medicare Supplement plans, Mutual of Omaha provides a variety of plans designed to meet your needs when it comes to helping offset the costs associated with traditional Medicare. However, knowing which one is best for you can be tricky, so we've listed the features and benefits of each below.
Which Medicare Supplement Policy Is Best for Me?
High-Deductible Plan F
The high-deductible Plan F from Mutual of Omaha is one of the more cost-effective Medicare Supplement plans. It provides the following benefits AFTER the $2,240 deductible has been met:
- Medicare Part A hospital coinsurance plus coverage for 365 additional days after Medicare benefits end
- First three pints of blood each year
- Medicare Part B coinsurance (generally 20% of Medicare-approved expenses)
- Medicare Part A hospice care coinsurance
- Skilled nursing
- Medicare Part A deductible
- Medicare Part B deductible
- Foreign travel emergency coverage
Plan A
Plan A offers very basic coverage to help make your traditional Medicare policy work better for you.
- Medicare Part A hospital coinsurance plus coverage for 365 additional days after Medicare benefits end
- First three pints of blood each year
- Medicare Part B coinsurance (generally 20% of Medicare-approved expenses)
- Medicare Part A hospice care coinsurance
Plan N
Plan N is the best of both worlds, providing mid-level coverage without sacrificing affordability.
- Medicare Part A hospital coinsurance plus coverage for 365 additional days after Medicare benefits end
- First three pints of blood each year
- Medicare Part B coinsurance (generally 20% of Medicare-approved expenses)
- Medicare Part A hospice care coinsurance
- Skilled nursing coinsurance
- Foreign travel emergency coverage
Plan G
Plan G helps offset more of the financial burden of Medicare and gives you a little more control of your health benefits.
- Medicare Part A hospital coinsurance plus coverage for 365 additional days after Medicare benefits end
- First three pints of blood each year
- Medicare Part B coinsurance (generally 20% of Medicare-approved expenses)
- Medicare Part A hospice care coinsurance
- Skilled nursing coinsurance
- Medicare Part A deductible
- Medicare Part B excess charges
- Foreign travel emergency
Plan F
Plan F is considered the pinnacle of Medicare Supplement plans, offering the best benefits for Medicare recipients.
- Medicare Part A hospital coinsurance plus coverage for 365 additional days after Medicare benefits end
- First three pints of blood each year
- Medicare Part B coinsurance (generally 20% of Medicare-approved expenses)
- Medicare Part A hospice care coinsurance
- Skilled nursing coinsurance
- Medicare Part A deductible
- Medicare Part B deductible
- Medicare Part B excess charges
- Foreign travel emergency coverage
Questions About Mutual of Omaha's Medicare Supplement Plans
What Is Mutual of Omaha Plan F?
Mutual of Omaha's Medicare Supplement Plan F is on the higher end of Medicare Supplement policies, providing the most coverage of all the plans offered. Plan F benefits include basic benefits, skilled nursing coinsurance, Medicare Part A deductible, Medicare Part B deductible, Part B excess charges, and foreign travel emergency coverage.
Is Mutual of Omaha a Good Medicare Supplement?
Mutual of Omaha provides some of the best Medicare Supplement policies on the market, without the concerns of provider networks or referrals. Perks of Mutual of Omaha's Medicare Supplement plans include the overall affordability of coverage and the company's customer satisfaction rate.
What Is Mutual of Omaha's Timely Filing Limit?
When filing a claim for Medicare-related services, the timely filing limit for Mutual of Omaha is one year from the date of service. This is the same timely filing limit that Medicare requires.
Does Mutual of Omaha Offer Silver Sneakers?
At the time of this writing, Mutual of Omaha does not participate in the Silver Sneaker program.
Mutual of Omaha Bank
Mutual Of Omaha Bank: https://online.mutualofomahabank.com
Created in 1985 under the name Security Federal Savings, Mutual of Omaha Bank was officially renamed in 2007 to provide a level of continuity between customers of the Mutual of Omaha insurance brand and the company's banking customers.
Mutual of Omaha Bank is an FDIC-insured banking institution that provides banking services to individuals, businesses, and community organizations across the U.S.
Looking for current rates for Mutual of Omaha Bank products? You can see them here.
Read more about the bank's financial strength here.
What Mutual of Omaha Bank Offers:
- Banking for individuals
- Banking for businesses
- Banking for community associations
Questions About Mutual of Omaha Bank
Is There a Mutual of Omaha Bank Near Me?
The best way to locate the nearest Mutual of Omaha Bank is go to the Mutual of Omaha Bank location page. There, you can find the closest bank and no-fee ATM to meet your banking needs.
Is Mutual of Omaha Bank FDIC-Insured?
Yes, Mutual of Omaha Bank is fully accredited and insured by the FDIC and is also an equal housing lender for its mortgage and home loan products.
What Are Mutual of Omaha Bank's Total Assets?
Below are Mutual of Omaha Bank's total assets for 2016:
Does Mutual of Omaha Bank Offer Mortgages?
Yes, Mutual of Omaha Bank offers different types of mortgages, as well as other loan products.
Does Mutual of Omaha Bank Offer Accounts for Community Associations and HOAs?
Yes, Mutual of Omaha Bank provides Community Associations and HOAs the ability to have multiple avenues of financial solutions to operate effectively. More information can be found on the Community Association site: https://www.mutualofomahabank.com/community-associations
Where Can I Find Mutual Of Omaha Bank Reviews?
Bankrate and Yelp both provide great insight into Mutual of Omaha Bank, their service, and their product.
[show_reviews company="UTOM" format="footer"]


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The Electronic Security Association (ESA) is pleased to announce that Axis Communications, Telguard and Tri-Ed have agreed to support ESA as Gold-level Executive Strategic Partners (ESP) for 2014.
For Immediate Release
ESA Media Contacts
Laurie Knox Vice President, Communications & Public Relations Phone: (888) 447-1689 ext. 6825 E-mail: email@example.com Bob Ogle Communications Specialist Phone: (888) 447-1689 ext. 6813 E-mail: email@example.com
Jeaneen BengtsonCommunications CoordinatorPhone: (888) 447-1689 ext. 6811E-mail: firstname.lastname@example.com
Irving, Texas (March 18, 2014) "" The Electronic Security Association (ESA) is pleased to announce that Axis Communications, Telguard and Tri-Ed Distribution have agreed to support ESA as Gold-level Executive Strategic Partners (ESP) for 2014.
Available only to ESA associate members, the Executive Strategic Partnership program was established in 2008 to provide funding in order to support ESA programs that promote and enhance the industry. As Gold-level partners, the three companies will receive valuable and powerful exposure through all available media and several events, including the 2014 Electronic Security Expo (ESX) on June 22-26 in Nashville, Tenn.
ESA President John Knox said the participation of all three companies as Gold-level ESPs underscores their commitment to the association and to the industry.
"We are honored that each of these industry-leading companies has decided to support ESA through the ESP program," said Knox. "Their belief in our members and our mission is what makes us proud to continue our relationship with them in the coming year."
Axis Communications
As the market leader in network video, Axis is leading the way to a smarter, safer, more secure world ""driving the shift from analog to digital video surveillance. Offering network video solutions for professional installations, Axis' products and solutions are based on an innovative, open technology platform. Axis has more than 1,400 dedicated employees in 40 locations around the world and cooperates with partners covering 179 countries.
"Axis is pleased to sign on as a Gold sponsor the coming year," said Steve Surfaro, security industry liaison of Axis Communications, Inc. "We are proud to support the efforts made by ESA on behalf of its members and the industry."
Telguard cellular alarm communicators for 3G/4G networks reward security dealers with increased productivity, reduced maintenance and access to many revenue generating services for a low cost.
Combining devices, communications and alarm processing into a turn-key system, Telguard delivers solutions for monitoring intrusion and fire systems independent of a traditional landline. Additionally, Telguard cellular alarm communicators offer services like HomeControl interactive services, video verification and two-way voice support to increase RMR.
"ESA continues to provide direction and leadership for the security industry and we are glad to support their initiatives through our partnership as a Gold-level sponsor," said Shawn Welsh, VP of marketing and business development for Telular.
Tri-Ed Distribution
As North America's largest independent security distributor, Tri-Ed Distribution provides state-of-the art solutions from hundreds of the industry's leading manufacturers of CCTV, IP video, intrusion, access control, fire, sound, communications, structured cable, and home automation products. With 65 locations across North America, Tri-Ed offers personalized customer service, technical systems support, flexible credit terms, next day shipping, ongoing training programs and the industry's richest rewards program.
"Tri-Ed Distribution is pleased to commit to another year of sponsorship as a Gold-level contributor through ESA's Executive Strategic Partner program," said Pat Comunale, president and CEO for Tri-Ed. "We appreciate ESA's diligence in advancing the industry as a whole."
Companies interested in knowing more about the Executive Strategic Partnership program should contact ESA Vice President of Sales & Marketing Shannon Murphy at (888) 447-1689, extension 6835, or via e-mail at email@example.com.
Established in 1948, the Electronic Security Association (ESA) is the largest trade association representing the electronic life safety and security industry. Member companies install, integrate and monitor intrusion and fire detection, video surveillance and electronic access control systems for commercial, residential, industrial and governmental clients. In cooperation with an alliance of chapter associations, ESA provides technical and management training, government advocacy and delivers information, advice, tools, and services that members use to grow their businesses and prosper. ESA may be reached at (888) 447-1689 or on the Web at www.ESAweb.org.
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text:
Guess what? Your job ad is terrible.
Don't feel bad; most job ads are. Of course, it would probably be nice if the ad attracted perfect candidates. If it conveyed your culture and spoke directly to the perfect person and compelled them to apply.
And it can happen. You just need to figure out how to master recruitment advertising. Here are the guidelines:
1. Stop rushing
The primary reason most job ads aren't effective is that they're rushed out the door. Hiring managers toss a job description together and hit "send" before they even reread what they wrote. Recruiters take that job description, jam it into an ad format and publish as quickly as they can.
But rushing your work leads to sloppiness and carelessness. It was true in grade school, and it's true today. If you need to create a job ad, stop, breathe, take your time and make sure you reread it before it goes out the door.
2. Spend time on the job description
If your job description is terrible, your job ad will be terrible too. If you invest time to make sure the job description is clear and matches the company's tone, you'll be a giant step closer to a non-crappy job ad.
The best job descriptions contain:
- Separated requirements and responsibilities. "Three years of experience" doesn't belong next to "day-to-day website maintenance."
- Language humans use. At least the humans you're targeting. If you're targeting lawyers, you'll probably sound more formal than if you're targeting startup folk.
- An awesome company description. In a few lines, candidates should get a feel for the company and the people it employs.
Once you've completed your first draft of the job description, run it through a quick check to make sure it's accurate and contains enough information.
3. Think like a growth hacker
OK, you've taken a deep breath and written a job description that isn't awful, but you're not done yet. You're less than halfway there. Now you have to take off your writer hat and put on your growth hacker one.
In growth hacker mode, think hard about how to craft the job ad to get the best results. You're focused on metrics like views, clicks and conversions (in this case, that's applications).
To optimize views, make your ad search friendly. Look at different networks and job boards to see how search and keywords affect results. How you optimize for views will depend on the platform. LinkedIn displays search results differently than The Ladders — each network is different.
To get clicks, focus on the title of your job ad. It's like your subject line in email marketing: You need to excite someone to click open. If your title says "Junior Software Engineer for Engineering Firm," you might get nothing but yawns. Spice it up. Stand out from the crowd. Don't be afraid to take risks, and A/B test your titles to see which performs best.
To get conversions, ensure your job ad reads well and clearly conveys your message. You did a lot of this when you wrote your job description, but now think like a candidate. Skim the ad. Did you "get" it? Was it interesting? Even better, have someone (like a candidate) skim it and tell you their impression. You might find yourself rewriting a bit.
And make it easy for candidates to apply. The best-optimized job ad in the world is useless if it's hard to apply.
4. Location, location, location
Time to change hats again. Remove growth hacker and put on real estate agent — a virtual agent. Your well-crafted and optimized job ad won't help if your target candidates can't find it. ( Click here to tweet this thought.)
Do a little online research. Tons of articles and discussions focus on where sales, marketing, accounting and tech candidates look for jobs. A quick online search for your role and industry will help you figure out where your job ad belongs. Once you know, post it there.
Being a recruitment advertising master does take more time and effort than posting a few rushed paragraphs on the most popular job boards. But taking the time to master recruitment advertising will get you something special: the right candidates and the certainty you didn't waste your time.
Michael Overell is the CEO and co-founder of RecruitLoop, an online recruitment marketplace based in San Francisco and Australia. A former McKinsey Consultant, Michael is passionate about startups, health and technology. He surfs when he can and rides a bike most days. Follow him @mboverell.
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August 11, 2012
On CBC News Network I touched on the 4x100m men's relay and the future of Canada's track and field team with Christine Birak. Check the video below, and www.cbc.ca article.
August 5, 2012
August 4, 2012
Previewing athetics with CBC News Network's Heather Hiscox on the opening day. Video embedded below. Source
July 27, 2012
July 6, 2012
June 25, 2012
Meet Website: www.2012trials.ca for news, schedule results, etc. Live Results: www.athleticsvideos.com/Live_Results/2012/Olympic_Trials Athletics Canada Website: www.Athletics.ca Twitter @AthleticsCanada for updates….Hashtag: #2012Trials How to Watch (Canada Only) Friday June 29 Live Stream on www.cbcsports.ca 730pm-930pm ET Saturday June 30 Live TV national broadcast on …
June 19, 2012
June 1, 2012
April 25, 2012
April 22, 2012


text:
bilateral lithotomy
Also found in: Dictionary, Thesaurus, Encyclopedia.
bilateral lithotomy
Etymology: L, bis, twice, latus, side; Gk, lithos, stone, temnein, to cut
a surgical procedure for removing urinary tract stones from the bladder by making an incision across the peritoneum.
bilateral lithotomy
A lithotomy performed with the incision across the perineum.
See also: lithotomy


text:
I recently came across a couple news items that highlight a common issue – most people in society have a false perception of risk which causes us to behave in ways that are actually riskier.
For instance, it is safer to fly than drive, yet many people are afraid of flying and choose driving over flying.
"The chance of a passenger dying on any given flight with one of the world's major airlines is just 1 in 4.7 million. The chance of dying in a traffic accident, however, is 1 in 14,000. (The Week – April 11, 2015)
Many people are also afraid of sharks and refuse to swim in the ocean, yet it is safer than taking a selfie.
"A 66-year-old Japanese tourist recently died after falling down stairs while attempting to take a selfie at the Taj Mahal. The incident raises they selfie-related death toll this year to 12. To put that in perspective, there have been just six fatal shark attacks so far this year. (Mashable – September 21, 2015)
We see similar behaviors when it comes to investing. Many investors, by seeking to avoid risk, actually take on greater risk and put themselves in harm's way. Trying to avoid volatility often leads to investors failing to meet their objectives.
Darren Munn


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Mehran was part of the London dance-punk trio from 2004 until their split in 2006, and later recorded as a solo musician
Musician Sam Mehran, who first rose to prominence as a member of Test Icicles, has died at the age of 31.
Mehran's death was announced on social media yesterday (July 29) by Zak Mering of GunkTV Records, which released music by Mehran under the name Outer Limits Recordings. A cause of death has yet to be confirmed.
"You will be sorely missed and loved by many forever," Mering wrote on Instagram yesterday in tribute to the late artist. "The most talented musician I've ever had the pleasure of being close friends with.
"I know you're in a better place brother. You will not be forgotten."
Mehran co-founded Test Icicles in London with Dev Hynes (who now records and performs under the moniker Blood Orange) and Rory Attwell in 2004.
The band released their debut album, 'For Screening Purposes Only', in October 2005, which featured such singles as 'Boa vs. Python' and 'Circle. Square. Triangle.'. They later split in 2006.
Mehran went on to record solo music under the aforementioned moniker Outer Limits Recordings, as well as Matrix Metals. He recently co-produced Ssion's 2018 album, 'O'.
Tributes to Mehran have been posted on social media by his peers and fans since news of his passing broke. Hynes wrote that Mehran was "a gift to the world", adding: "The floor has gone and I don't know where to stand."


text:
Brothers Mohsin and Zuber Issa, co-CEOs of Blackburn-based forecourt operator EG Group, based in Blackburn, were named EY Entrepreneur Of The Year 2018 North overall winners at an awards dinner in Manchester last night.
Mohsin and Zuber, who also took home the Sustained Excellence award and the Building a better working world award, were described by the judges as "outstanding", with a sustainable business model that had seen strong international expansion and had a clear strategic direction.
Founded in 2001, EG Group operates across eight markets (UK, France, The Netherlands, Belgium, Luxembourg, Italy, Germany and the US) and employs more than 20,000 people. The business has strategic partnerships with many leading retail brands.
Victoria Price, partner and EY Entrepreneur Of The Year leader in the North, said: "Mohsin and Zuber's entrepreneurial spirit, along with their forward thinking approach and clear strategy has resulted in sustained strong financial performance. The business also has plans for further international expansion.
"When speaking to Mohsin and Zuber, their personal integrity and purpose driven approach to leadership is also very clear and the fact that they want to use their success as a force for good is to be applauded."
Held at the Lowry Hotel in Manchester and hosted by presenter and broadcaster Jeremy Vine, the awards dinner honoured six business leaders across five categories (profiles below).
Each winner was judged and selected from 21 finalists leading 19 companies from across the North West, Yorkshire and the North East. All of the North of England winners will go on to represent the region at the UK finals in November 2018, where the EY Entrepreneur Of The Year UK will be crowned. The UK country winner will then attend the 'EY World Entrepreneur Of The Year' in Summer 2019, which gathers the world's most inspiring entrepreneurs from more than 60 countries.
North West winners
Disruptor: David Bellis MBE, Innovative Technology (Oldham)
David is the chairman of Innovative Technology, a provider of cash handling solutions that has offices in Europe, Asia, Australia, North & South America and trading partners in more than 20 countries. In 2014, Innovative Technology was named the 13th fastest growing private company in Britain (Sunday Times Profit Track 100) and received the Queen's Award for Enterprise: International Trade.
Rising Star: Steven Bartlett and Dominic McGregor, Social Chain (Manchester)
Social Chain was co-founded by Steve Bartlett (25) and Dominic McGregor (24) in 2014, while the two were still students. Manchester-based The Social Chain Group has grown from humble origins to become an award winning social first marketing agency and social media publishing house, with offices also in London, Berlin and New York.
Other North of England winners
Scale-up: Jonathan Seaton, Twinkl Education Publishing (Sheffield)
Jonathan is chief executive of Twinkl, a specialist digital educational publisher, providing primary and secondary educators with one of the largest collections of high-quality digital teaching materials in the world.
Transformational Leader: Jacqui Hall, Contract Natural Gas (Harrogate)
Jacqui is managing director of CNG, an independent provider of natural gas for business and is one of the fastest growing, privately-owned companies in the UK. In the last few years, the company has grown considerably with turnover more than tripling, as demand for CNG's products has steadily increased.
Special Award – EY Family Business Award of Excellence
EY presented a special award – the EY Family Business Award of Excellence – to Manchester-based Timpson. Timpson has been on the UK high street for more than 150 years and continues to grow. The family owned and run business has evolved from shoe repairs to also offer key cutting, watch repairs, dry cleaning, engraving and assisted photo ID.
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text:
9. Harder Than Expected
Date: 14 Oct 2018
Preacher: Riley Spring
Bible passage: Exodus 5:1-23
This week we continue to follow Moses' quest as he proceeds to take God's message to Pharoah. Riley helps us see and understand that though Moses and Aaron accepted the difficult call to obedience in Exodus 4, things don't go the way they expected.
Because unrealistic expectations always result in disappointment... and following our Sovereign God is harder than expected.
So what do we do when things are harder than we expected? How do we respond?


text:
Edinburgh.Uof3rdAge News
So far there has been an enthusiastic take-up of the Social Groups facility by the Edinburgh U3A "Directions in Retirement" group. If you haven't already done so, Register for a free account on here.
Other Edinburgh U3A groups can join in too. Just Register and contact the Administrator.
The Social Groups allows U3A groups to start a Facebook-Like group hosted here on Edinburgh.Uof3rdAge.co.uk.
It's only the start, as there are many more facilities like bookings and memberships we can roll out.
Be sure to register and visit our "Uni of the 3rd Age Societies List"
Today we are looking for bright, positive, media-savvy people to collaborate on the building, evolution and management of this portal and its websites; to contact connected people in Edinburgh who are interested in joining U3A.
The Portal could be used to manage the entire Edinburgh U3A membership list. It could even be extended to temporary membership. With one-off, daily and monthly billing, we can attract folks that may not wish to sign up for the year. Direct Debit is manual and time-consuming, but it could be managed automatically by PayPal.
The first thing to do, if you or your colleagues are interested at all, is to register.
You do this by clicking [Register] at the top-right of the screen, this opens into a simple registration form. (The form is under review and will be even more simplified).
(You only need to register here once. That then allows you to Login. When you login, you will enter the doorway and see more pages. It's a bit like Facebook, without the other 2 billion users. We only have a few users here; all members of U3A in Edinburgh).
There's no obligation and no fee for the moment.


text:
ZHENGZHOU - The police chief of a Central Chinese city on Saturday made a public apology for failing to detect earlier the secret dungeon where a man kept young women as "sex slaves" for almost two years and murdered two of them.
Guo Congbin, director of the public security bureau of Luoyang in Henan province, told a police meeting with the media present that the case showed that community safety patrols were weak and police officers had lost their sense of responsibility.
"As the police chief, I bear the responsibility," Guo said, adding that he had suspended the work of four district police officials in relation to the case.
Police investigators earlier said Li Hao, the 34-year-old married suspect who has a son, forced six women held as "sex slaves" into prostitution and to feature in porno videos uploaded on the Internet to make money.
Li said he dug two underground rooms in a basement he bought in a residential compound two years ago wanting to enter the lucrative business of running porno websites, according to police.
Police said Li regularly raped the women, held from two months to 21 months, and forced them to perform porn shows and prostitution.
Two women who fought back were tortured, and eventually killed, police added. Their bodies were only found on September 3 when police raided the basement on a tip off from relatives of one of Li's "sex slaves" who managed to escape.
The report of Southern Metropolis Daily, which first broke the news, said the women, both nightclub attendants, had been dead for months but police have not yet confirmed that.
Li, who works for Luoyang's technological supervision bureau, had been taken into custody.
Police also detained the four surviving women for "alleged crime involvement" after the newspaper report said that while competing to survive in the dungeon, they might have helped Li to murder the other two.
In a similar gruesome case six years ago, 13 women who had worked in karaoke bars and small restaurants in neighboring Shandong Province were murdered by four men. Their bodies, buried along a riverbank in remote villages, were found more than six months later.
The horrific nature of the Luoyang case has shocked the nation again, prompting local authorities to launch an overhaul of entertainment venues -- beauty parlors, karaoke halls, saunas, and Internet cafes, while boosting an "online cleansing" campaign to crack down on porn websites.
Guo, the Luoyang police chief, said the city-wide safety overhaul will leave no "dirty spots." He said the authorities will also tend to the victims and conduct a speedy but thorough investigation.
"I beg the people of Luoyang to give us another chance. We will show you the results of our actions," Guo pledged.
In an attempt to appease those angry over the limited details made public about the case, Guo admitted that police had not cooperated as well as they should have with media.


text:
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