Bullet Proof Alternative to Loss Prevention Employment – Will You Be Laid Off?

Loss Prevention Employment, sometimes call Asset Protectors employment, can be defined as individuals responsible for reducing employee theft and losses, of all types of business assets, including the protection against retail shoplifting.When I think of loss prevention employment, I am reminded of three distinct kinds of Jobs. First, a job that employs trained individuals in this area, to take care of the assets of a company. Secondly, a job in the Insurance industry, where an employee investigates the claims of a customer, whose assets were totally destroyed by fire, or a hurricane, and thirdly, self employment. The first and second items are considered to be jobs within this industry.A typical example of a job within this career choice, as mentioned briefly in my introduction, would be security personals employed in a retail store to look after the owner’s assets, and to protect a store, from employee, and customer theft. Even though I used the term security personals, I am not necessarily referring to security guards. Loss prevention employment may consist of persons with very high intellect.I live on an Island where a major food store chain, only employees retired military officers, to work in the asset protection department, because of the specialized skills they obtained, while being a part of the armed forces.The question might be asked whether self employment can be considered within the same category, seeing that self employment does not protect an employer’s assets. If you re-class the definition of loss prevention employment, in terms of not losing a job, then self employment will fit within the same category.There are many websites dedicated to this industry. Many of these websites offer training in this area of employment. There are also many that cater to persons who are already trained in this area. If you are searching for jobs, or even training within the area, then I am sure you came across many sites, or even articles in relation to this field of employment.Research has shown that employment in this area has also been affected by the down turn in the economy. Officers are being laid off periodically within this specialized area. Affiliate marketing is one of those jobs that have not been affected by the state of the economy. Affiliate marketing when done correctly will allow any individual to succeed, unlike loss prevention employment. The loss prevention industry is one of those specialized industries that only trained persons can work in.There are many alternatives to loss prevention employment. One tested area would be Affiliate marketing. Loss prevention officers, because of the specialized training, will have no problems working within the field of Affiliate marketing. The learning curve is really not as difficult as other related industries.

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Health Insurance Money Saving Strategies – Why Pay So Much For So Little Health Insurance Coverage

Why are people paying so much money for one health plan? What is more disturbing is the number of people looking for that “golden egg” health policy that will pay every medical expense. These plans do not exist! Successful business owners know that it is not how much you spend but how much return you receive on what you spend that really matters. There is no difference in the realm of health insurance. As a business owner or individual looking for insurance, nothing matters more than a well-structured health insurance portfolio.Unfortunately, not many business owners are aware of how to create a well-structured health insurance portfolio. It often comes down to the mindset that the best investment is a single policy that delivers the most coverage for the least amount of premium. These policies often fail to cover key areas of health care costs that many people often overlook. There are five key areas a health insurance portfolio should cover for a business owner:
A Basic group or individual medical plan with a high deductible and coinsurance.
Medical Gap plan that pays your deductible and coinsurance.
Dread Disease plan (Cancer, Critical Illness, etc.) to supplement your medical plan for critical illnesses.
Accident and Disability plans that supplement your medical plan in the event you are injured as a result of an accident or become disabled.
Whole Life Insurance that includes an Accelerated Benefits Rider. This pays you a portion of the cash value of your life policy in the event of a terminal illness.
What should interest people most about this portfolio structure is the return on your monthly premium. Consider a typical scenario for a mechanic with his own business. While the mechanic has assets, he most likely does not have readily available funds to pay for a serious health problem. He seeks a health insurance plan with a low deductible and co-insurance to protect him against this contingency. But when his child is diagnosed with Leukemia, this single health plan will not cover enough of the expenses. The significant portion of radiology expenses alone may not be covered by his health plan. This is serious for the mechanic, whose assets are tied up in his business. Not only is the mechanic at risk, his business is at risk as well. He is paying into a single plan that does not account for a majority of contingencies he and his family could face. How does he avoid this?First, instead of a low deductible, high premium plan, this business owner should investigate high deductible, low premium plans. His options for covering the high deductible are a Health Savings Account or a Major Medical Gap Supplement Plan. His Cancer Supplement coverage would pay in addition to his basic medical insurance plan, leaving a small amount, if any, leftover for him to pay. Even if the mechanic suffers an accident at a later point in time, he has the protection from his Accident Supplement policy and health plan combined to cover a significant portion of the medical expenses.For about the same amount of premium per month as a single, low deductible health plan, this mechanic can have the protection of as many as five plans. This follows the logic of insurance, the principle of sharing risk. The return in coverage is greater as this risk is shared among more companies, and the costs associated with these plans are much lower than a single, low-deductible health plan. This is the solution for the business owner looking for the best value in health insurance. Several policies with specific functions and coverage are better than one policy that promises more than an insurance company can afford to pay.Trends in health insurance have changed, and most individuals and families looking for private health insurance should be aware of these trends to protect their assets when a severe medical condition strikes. Health Insurance Money Saving Strategies is a 10-week campaign to spread the word to self-employed individuals and their families looking for private health insurance. Stop paying too much for so little health insurance protection! Learn how to improve your coverage and save money on health insurance by visiting http://www.edgeoninsurance.com right now. Take action today because it will make all the difference in how much money you spend on health insurance in the coming years.

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Universal Health Care

Universal Health care is a type of government created system in which every citizen of a country is given access to various forms of medical care, even if they don’t have the resources to pay out of pocket. While the citizens may be able to pay for some services out of pocket, much of the money for Universal Health care will come through taxation or insurance. One of the first countries to institute this form of medical care successfully was Germany under Otto Von Bismarck. However, the very first Universal Healthcare program was created in Great Britain.Some of the other countries which offer Universal Health care include Australia, France, and Italy. Virtually every industrialized nation currently offers some type of Universal Health care except for the United States. While the definition of Universal Health care largely remains the same, the actual structure of this system will vary from one country to another. The system also varies in terms of how much the government is involved. For example, while some nations allow private doctors to offer their services, other countries do not. In the United Kingdon, doctors can choose to offer services which are outside the government system, but Canada has more restrictions on their medical services.It is important for readers to realize that Universal Health care is a very wide concept. There are a number of ways in which such a system can be utilized. However, the most basic factor in implementation involves the process of allowing all the citizens within a nation to be given access to health care for an affordable rate. Because implementing such a system requires a large amount of money, many governments tax their citizens in order to fund it. The government also decides how the care must be administered, and who is allowed to receive certain types of care. While many countries use taxation to fund this health care system, the patient may still be required to pay a relatively small fee as well.Because the Universal Health care system has worked so well in many countries, some citizens and politicians in the United States have proposed the introduction of such a system in their own country. American proponents of Universal Health care are quick to point at the rising cost of commercial insurance as evidence that Universal Healthcare would work. Indeed, the cost of health insurance in the United States has become so high that millions of Americans go without health insurance each year, and should they become sick or injured, the cost of medical care could cause them to go into bankruptcy.Proponents of Universal Health care argue that the utilization of their system would make it more affordable for all Americans to afford healthcare, and millions would not need to go without medical insurance. While the United States does not currently have a Universal Health care system, the government does provide health care for certain segments of the population, such as veterans, the disabled, senior citizens, or those currently serving in the military.However, it is important to note that Universal Health care is not without its opponents. Those who oppose Univeral Health care often raise questions as to who would pay the most in taxes for such a system. These people argue that depending on the rate of taxes to be charged, many of the same people who currently can’t afford medical insurance would be hard pressed to pay taxes for a Universal Healthcare system. If the taxes are too high, they argue, then the rich would suffer the largest tax burden, but this is the very same group that is the least likely to need Universal Health care in the first place, since they can afford to pay for private health care.Many high income American citizens are opposed to Universal Healthcare because they feel they will be forced to pay for something they personally don’t need. In addition to paying for their private medical insurance, they would then have to pay taxes for Universal Health care, a service they would not likely use. Opponents of Universal Health care also argue that there are Constitutional issues that come into play. They argue that the 10th Amendment of the U.S. Constitution makes it clear that any powers not granted to the American government in the Constitution must be decided by the states.Opponents therefore argue that the 10th Amendment demonstrates that only the U.S. states have the power to decide on the issue of Universal Health care, not the Federal government. However, proponents of Universal Health care counter this by saying that the system has worked successfully in other industrialized nations, and if it works there, it can work in the United States as well. One thing that is certain is that there are strong arguments on both sides of the fence, and only time will tell which side is correct. It should also be noted that about 15% of U.S. GDP goes toward health care payments, and this is the highest of any country on the planet.It should also be noted that over 80% of the U.S. population already has some form of medical care, whether through their job, the government, or a private company. This has led some opponents of Universal Health care to claim that such a system isn’t needed, since only a small percentage of the U.S. population doesn’t have health insurance. However, proponents argue that while 80% of Americans may have some form of coverage, the 20% who don’t is too much. When you consider the fact that 20% of the U.S. population would be around 60 million people who don’t have coverage, it becomes hard to argue with this point.It should also be noted that the cost of health care in the U.S. is one of the fastest growing phenomenons in recent history. In fact, the rising cost of healthcare is even rising faster than the general rate of inflation. From 2001 through 2007, the rate for family health insurance premiums rose by more than 70%, which is unprecedented. Aside from a government based program for Universal Health care, many cities and states in the U.S. are already in the process of implementing their own Universal Health care plans.

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