Health Insurance Advisor On Clinton-Obama Health Insurance Plans

Florida Health Insurance Advisor On Clinton-Obama Health Insurance Plans

With about two dozen reporters crammed in a press room, Presidential candidate Hillary Clinton outlined her universal health care plan, which "would provide tax credits to make insurance more affordable" and "require businesses to offer insurance to workers or pay into a pool for people without it." Florida's health insurance advisor Morgan Moran added 'her opponent, Barack Obama thinks her plan is just talk'.

November 29 -- Florida health insurance web, a health insurance information web site, in its November 2008 political report says "Hillary Clinton plans to expand Medicare and the federal employees' health insurance plan" and to cover those without adequate workplace insurance. Moran, a Florida health insurance consultant said, Democratic presidential candidate "Barack Obama is casting doubt on Clinton's ability to enforce a requirement in her plan that every American buy health insurance."

"Clinton's plan is the most sweeping universal plan offered by any of the 2008 candidates." According to Moran, her campaign is pulling out all the stops on the health insurance issue.

FloridaHealthInsuranceWeb.com, reporting on each of the presidential candidates positions on healthcare said, "Clinton and Obama are the latest to argue over healthcare. 'The upcoming elections will impact Florida's health care system as far as benefits and rates are concerned' said Moran, 'whichever candidate takes the White House in 2009, Florida residents may end up with better health care than they have today'. "Health insurance is finally on the bargaining table and we all may benefit from it."

Clinton points to her web site where her position on healthcare is clearly stated. On her website www.hillaryclinton.com she has posted the following points:

(1) If you have an insurance plan you like, you can keep it. If you want to change plans or aren't currently covered, you can choose from dozens of the same plans available to members of Congress, or you can opt into a public plan option like Medicare. And working families will get tax credits to help pay their premiums.

(2) Small businesses are the engine of new job growth in the U.S. economy but face bigger challenges when it comes to providing health care for their employees. Hillary would give tax credits to small businesses that provide health care to their workers to help defray their coverage costs. This will make small businesses more competitive and help create good jobs with health benefits that will stay here in the US.

(3) Insurance companies won't be able to deny you coverage or drop you because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium. And like other things that you buy, they will have to compete for your business based on quality and price. Families will have the security of knowing that if they become ill or lose their jobs, they won't lose their coverage.

(4) Nobody has worked harder or longer to improve health care than Hillary Clinton. From her time in Arkansas when she improved rural health care to her successful effort to create the SCHIP Children's Health Insurance program which now covers six million children, Hillary has the strength and experience to ensure that every man, woman and child in America has quality, affordable health care.

"Clinton has been criticizing Obama's health care plan for falling short of universal health coverage" said Moran, because unlike her plan, "Obama's (plan) would not require every American to buy insurance". Obama claims "his plan would lower the cost of insurance and guarantee access", removing the obstacles most often faced by people without insurance.

This week Obama argued that his rival (CLINTON) has been unwilling to say how she would enforce the mandate to buy health insurance. Without enforcement, "Obama said, it is nothing more than an empty 'political talking point'."

"Sen. Clinton still hasn't explained what this mandate is: What's she going to do if somebody doesn't purchase health care? Is she going to fine them? Is she going to garnish their wages?" Obama said.

"One of the problems with Clinton's health insurance approach, is that she hasn't been straight with the American people about how she's going to 'impose this mandate'. And without an enforcement mechanism, there is no mandate. It's just a political talking point," he continued.

A spokesman for the Clinton campaign, Lori Singer commented, "The fact remains that Sen. "Obama is going around saying he has a universal health care plan that in fact excludes 15 million Americans." Obama's own health care plan does include a requirement that families purchase insurance for their children.

Shortly after, Obama sent out a memo noting that in Massachusetts, the only state so far to require residents to buy health insurance, "hundreds of thousands of people have not purchased insurance despite a fine levied on those who fail to do so through their tax returns".

About Morgan Moran and FHI-Web
Florida Health Insurance Web is a health insurance consulting service. Find out about health insurance from the experts in a free online or phone consultation. Florida health insurance web is a source of health insurance news, agents, and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance News or Consultants, or free health insurance quotes, please visit www.FloridaHealthInsuranceWeb.com.

Press Contact: Morgan Moran
Company Name: Florida Health Insurance Consulting
Phone: (800) 554-9142
Website: http://www.floridahealthinsuranceweb.com

Investment Property Market: Mortgages in Crisis

Your Pound Still Goes a Long way in the Investment Property Market: Mortgages in Crisis - Overseas Property Markets Overview Part 1

How to use Pound's position on the market to invest in property effectively and buy a dream home overseas? There was never a better time for UK investors to Invest in US, Caribbean and Central America property markets find out more and collect your free invitation to Excel London show Place in the Sun. Three part research and advice article about property investments based on three years figures from UK based overseas property investment company Principal International.

London, Surrey  - April 23, 2008 -- You can't open a newspaper at the moment without seeing a report on Britain's financial crisis and the end of the housing boom. First time buyers are finding it almost impossible to get a foot on the property ladder and now homeowners and investors are facing potential negative equity on the value of their properties. Even celebrities like Orlando Bloom, Leona Lewis and Jonathan Woodgate have spoken out about the high property prices in London, which are causing them to consider other options.

Credit Crunch creates more opportunities to invest in properties abroad

For a long time, buy to let properties in Britain have been a secure venture for UK investors, but is it now time to start looking further a field?

Simon Ryeland - Director of Principal International Properties and specialist with 17 years in property investment, is clear that there are still good property investments out there, as long as you know where to look. "People have been investing with us in properties in the UK and abroad for over twelve years now. Over the last few years many emerging overseas markets have experienced strong rental yields and capital growth and provided a far more profitable solution than the UK market."

And it seems that the obvious destination for buying investment property overseas - Spain - isn't necessarily the best value for money.

"Spain is now generally considered as an area mainly for lifestyle purchases and we would encourage investors to look further afield." Says Simon.

Investors put off by overcrowded beaches, recent concerns over illegally built homes and the strength of the Euro against the Pound have good reason to consider other emerging markets.

There was never a better time for UK investors to Invest in great Property in US, Caribbean and Central America

One of the biggest considerations is the current value of the pound against the US dollar. Put simply, with an almost two to one exchange rate, your pound will go a lot further in countries associated with the US dollar than those associated with the Euro. And this means there are a lot of exciting property investment opportunities out there.

To be continued...

Next week: Where are the US dollar property investment hotspots? Plus unlocking the undiscovered wealth of the Eastern European property market.

This week Channel 4's A Place in the Sun Live property investment show is taking place at ExCeL London, Friday 25th to Sunday 27th April 2008.

Report by Jennifer Clowes. Analysis for this article is based on the last three years figures from Principal International Properties (pip4u.com).

Press Contact: Simon Ryeland
Company Name: Principal International Properties
Phone: (+44)01483748629
Website: http://www.principalinternational.co.uk

Retirees Facing Lifetime Tax Bill Over $1 Million

Many Canadian Retirees Are Facing a Lifetime Tax Bill of Over $1 million

The results from over 10,000 reviews of the TriDelta E  state 100 planning tool shows that for many older Baby Boomers and retirees, they are facing a tax bill of more than $1 million over the rest of their lives.

Toronto, ON  -  April 18, 2008 -- The results from over 10,000 reviews of the TriDelta Estate 100 planning tool shows that for many older Baby Boomers and retirees, they are facing a tax bill of more than $1 million over the rest of their lives.

Since being launched just over a year ago, the results have shown the following:

Median Estate Value: $1,944,000 (the mid-point of all values)

Median Lifetime Tax Bill: $1,032,000         

The main culprit in the high tax numbers is Canadians passing away with large RRSP/RRIF balances. In many cases, Canadians will see 40% to 50% of these assets going to the government instead of their estate.

"Many Canadians don't realize how much of their registered assets will be taxed at death. Fortunately, with proper planning and some unique strategies, often much of this tax can be avoided," said Ted Rechtshaffen, CFP and President of TriDelta Financial Partners.

"The key to minimizing these taxes starts with an effective strategy to time RRSP and RRIF withdrawals, and the new tax free savings accounts will be a big help. Some other strategies are ideal for 2008 because of the low interest rates and high dividend yields that we are seeing," said Rechtshaffen.

The TriDelta Estate 100 is a free tool available at www.tridelta.ca. This tool helps those who are retired or close to retirement determine how much of an estate they will have -- essentially 'will I outlive my money, and if not, how much will be left over?' The other key question that is answered is 'how big will my lifetime tax bill be?'

TriDelta Financial Partners is a firm located in Toronto, Canada that works with many "Classic Canadian Retirees" to help them learn to enjoy life more. TriDelta Financial Partners is a financial planning firm whose financial planner and financial advisor specialists offer investment, mortgages, insurance, retirement planning, tax reduction strategies and estate planning solutions to Canadians.

TriDelta Financial Partners have access to the entire market for the best combination of products, ensuring that clients receive optimized financial planning and estate planning solutions to maximize their financial wealth and achieve financial peace of mind.

For further information: contact Ted Rechtshaffen, President and CEO, TriDelta Financial Partners, at (416) 733-3292

Press Contact: Ted Rechtshaffen
Company Name: TriDelta Financial Partners
Phone: 416-733-3292
Website: www.tridelta.ca

Auction Rate Preferred Shares the Largest Case of Fraud in US History

Wall Street's Auction Rate Preferred Shares the Largest Case of Outright Fraud in U.S. History, Declares Americas Watchdog

Americas Watchdog is demanding the the Securities & Exchange Commission & every State's Attorney General start investigating "auction rate preferred shares" & the fact that citizens in every US state were sold these extremely risky investments by a bank or stock broker as, "same as cash". Now tens of thousands of US citizens are being told by a bank or stock broker, "we don't know when you will get your money back". Why is this the biggest single case of fraud in US history? Its because the investors did not want risk, they wanted safety, and instead of that they were given an exotic risky investment device by greedy Wall Street investment houses & US banks. Why does this story deserve to be on NBC, CBS, ABC, & CNN? Its because this is by far the largest case of outright fraud in US history.

April 8, 2008 -- Americas Watchdog and its Corporate Whistle Blower Center are demanding that name brand banks or Wall Street financial institutions refund 100% of the investment unsuspecting US citizens placed in exotic investment devises called auction rate preferred shares, or auction rate shares. According to Americas Watchdog, "tens of thousands of US citizens were told by a US bank or Wall Street financial institution that auction rate shares were just like a CD, they were perfectly safe, and a consumer would never have to worry about their investment."

"Now in most cases, these small investors are being told by their bank or stock broker, they cannot get their money back or it will take months or longer. These US citizens were lied to, and now Americas Watchdog intends to force the issue with the SEC, State Attorney Generals, & the TV networks. We are talking about a half trillion dollars +; the life savings of tens of thousands of Americans. Wall Street and the banks will not get away with the biggest con job in history," states Americas Watchdog.

Americas Watchdog alleges the ARPS/ARS fraud is the biggest case of fraud in US history for the following reasons:

    * Tens of thousands of US citizens were told by a name brand bank or a Wall Street stock brokerage firm that auction rate preferred shares (ARPS/ARS) were just like cash, they were safe, they were just like a money market account, etc. The consumers did not want risk. Relying on their US bank or Wall Street stock brokerage firm, mom and pops and small investors in many cases were given an auction rate preferred share as a "safe alternative to a CD". Small investors were talked into investing hundreds of billions of dollars into this scheme.

    * Now these same banks or stock brokers are telling their clients they cannot access their money right now. However, the banks or stock brokerage firms are offering the auction rate preferred US victims the ability to borrow back some of their money, with interest. According to Americas Watchdog, "what a pathetic joke, first the banks & major stock brokers lie to tens of thousands of US citizens about the liquidity of auction rate preferred shares, now these same banks or brokers want to lend the victims back their own money? Not one customer was ever given a prospectus to the best knowledge of Americas Watchdog.

    * Americas Watchdog is indicating that if banks or financial institutions do not refund the auction rate preferred shares money in full to consumers, in the very near future the group will start a state by state protest/media event where individual consumers get to tell their auction rate preferred shares story to the local news media in front of the bank of stock brokerage firm that sold them this exotic not very safe investment. Consumers who were tricked into buying an option rate preferred share can call Americas Watchdog anytime at 866-714-6466.

According to Americas Watchdog, "The gloves are coming off, we are tired of seeing US citizens ripped off over and over and over again by Wall Street, US banks or a bought and paid for US Congress."

Talk about Reform or transparency from banks and Wall Street. In another case Americas Watchdog has been demanding that Congress require banks and mortgage bankers disclose a little known mortgage kick back called a "yield spread premium" for the last six years. According to the group, "50 million US homeowners pay a higher monthly mortgage payment today, because a bank or mortgage banker did not have to reveal the huge kick back they received, for increasing a home loan borrower's interest rate/monthly mortgage payment. Mortgage brokers must disclose these kick backs. Banks or mortgage bankers get the same kick backs, but they have no disclosure requirement."

Americas Watchdog says, "this kick back scheme rates #2 right behind the auction rate preferred shares fraud." In the case of the yield spread premium kick back, Congress has not been willing to require banks to disclose mortgage kickbacks because of the large donations they get from banks, home builders and mortgage bankers. Americas Watchdog's National Mortgage Complaint Center estimates that banks, mortgage bankers or home builders not having to disclose huge mortgage kick backs combined with appraisal fraud, are two of the major reasons we now have a national real estate meltdown. The National Mortgage Complaint Center's web site is located at http://NationalMortgageComplaintCenter.com

According to Americas Watchdog, "It's time for some accountability on the part of Congress and Federal Agencies that are supposed to be protecting people. Whatever happened to Federal oversight, or consumer protection? Having the best Congress money can buy has given us:

    * The auction rate preferred shares mega disaster

    * The US biblical type real estate disaster

    * Tax breaks for oil companies

    * Billions in tax breaks for national home builders that have failed to pay federal or state taxes on their work force (most of whom were/are undocumented workers-Google Americas watchdog the worst case of tax fraud in US history)

    * High profile Congressional hearings on steroid use in baseball instead of Congressional hearings on drug companies paying off Congress for Medicare Part B that cost 30 billion dollars more per year than it should have (The drug companies actually wrote the legislation).

    * No Congressional hearings on Auction Rate Preferred Shares fraud even though its a $720+ billion dollar disaster

    * With lots of money going to Congress, the mortgage industry fought fiercely to spike a provision to let bankruptcy judges rewrite the terms of distressed mortgages. It won that battle; the provision was left out. This in light of the fact that home builders and banks artificially inflated the values of US homes.

    *      Contrary to the Wall Streeet lies about the credit crunch being over within the next 12 months 1 in 5 Americans will owe more on their home than it is worth.

"Things have to change at the top in the form of real national leadership, corporate honesty & integrity or our country will not survive," says Americas Watchdog.

Americas Watchdog is all about consumer protection, shareholder protection and corporate responsibility. Their web site is located at http://AmericasWatchdog.com

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Investors are still waiting to learn if any of the financial institutions had bond insurance that might cover some of the losses. At this time suits are being filed for auction rate securities litigation. It may be some time before things are sorted out.

Help A Reporter

I thought I would share with you today a great resource.  You'll want to tell the PR people, marketers, publicists, editors, bloggers, writers, and journalists you work with about it too, because it's all about them and their needs. 

If you're not already using www.helpareporter.com, check it out.  It's a service much like that other one that connects PR people and journalists looking for sources, but this one is free.  It used to be on Facebook, but grew too large for it.  Once you subscribe, you receive about three (sometimes two, no more than four, ever) emails a day with reporter, editor and freelance writer queries, written so you can quickly and easily scan the topics for relevance. 

If the topics do not apply to you or your clients, just hit delete.  If they do, you may contact the reporter or editor directly, as instructed.

Note that Peter Shankman, the list facilitator, is very strict about helping out these reporters.  Respond only if your information (or your client's info) is relevant and on target.  If not,  and you send non-relevant emails more than once, you'll get bumped off the list. Quickly. I've heard it can happen. He's a big believer in good Karma, and he also thinks he's quite funny, and tends to also include a link to a fun site, or a funny story about his day in the emails. It's a nice refreshing change from the boring, non-funny emails we usually deal with.

Reporters can post queries at www.helpareporter.com/press, and sources can sign up at www.helpareporter.com - As I said, it's free. Peter asks that if you find it useful, then you make a donation to any animal rescue charity or animal hospital.

You can forward the queries to others who are a fit, but do not post any queries (or the editor/reporter contact info) on any blogs or public websites. I received permission from Peter to send you this note, since this is a private group and I'm helping to spread the word to both subscribers and media to sign up.

The more people who use it, the better it becomes. By the way, Peter wrote almost everything you see before this line with a few edits by me. All the links that don't go to helpareporter.com were added by me.