Hi Everyone!
I just wanted to get out my NEW contact info for the mortgage company I repositioned to. As of June 1 made the transition and couldn’t be happier! The rates, loan products, people etc. are all fantastic and I’m ready for your call ☺ My cell phone of course has remained the same 630-986-6864 but my new email is: Todd@GreatMortgageCompany.com And my personal website is: www.GreatMortgageCompany.com/THector You will be hearing more from me soon… Todd Hector NMLS: 1280911 Mortgage Loan Originator NMLS: 1280911
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by Christian Schappel August 10, 2016 The DOL has said that by the end of 2018, it plans to audit every employer covered by the ACA for compliance with the healthcare reform law. Realistic or not, it sent a strong message to employers. It’s certainly debatable on whether the DOL can make good on its lofty goal — but the implication is crystal clear: Many employers will have their ACA practices put under the microscope. Common trouble spotsWhat’s bound to get employers in trouble when the feds come knocking? You’re already aware of many of the major no-nos — failing to extend coverage to dependent children up to age 26, putting dollar limits on health benefits, etc. — and are in compliance with those provisions. Still, there are more under-the-radar ACA requirements that are bound to trip up some employers — and trigger expensive non-compliance penalties — warned David Lindgren, a compliance officer with Flexible Benefit Service Corporation, during a presentation he gave at the SHRM 2016 Annual Conference and Exposition in Washington, D.C. He said because so many employers are focused on other major ACA provisions at the moment (and understandably so) — like the reporting requirements and Cadillac Tax — it’s easy for some smaller ACA requirements to fall through the cracks. Here are a few of the more commonly missed ACA rules that can trigger penalties, according to Lindgren: 1. Rule: Plans must provide written notice of a coverage rescission. Generally, rescissions (or retroactive cancellations of coverage) aren’t allowed under the ACA except in cases of fraud or material misrepresentations — i.e., lies about an individual being a spouse or dependent. But if an employer rescinds coverage and fails to give the affected employee notice about the rescission, the penalty is big: The rescission gets lifted. 2. Rule: Plans must provide a notice of patient protections — e.g., the right to select a primary care physician or women’s right to direct OB/GYN access. This simple step is often missed because employers assume their insurer is providing the notice, and the insurer assumes it’s being taken care of by the company, Lindgren said. But of the notices don’t go out, standard ACA penalties apply— i.e., $100 per participant per day, up to a $500K cap. 3. Rule: Plans must provide coverage for approved clinical trials. Clinical trials are broken down into Stages 1, 2, 3 and 4. Some plans had been structured to only cover Stage 3 and 4 trials. If that’s the case, the plan can be subject to $50 per-participant ACA penalties. Did you update your COBRA notices?Lindgren also pointed out that some employers are unaware that the DOL changed its model COBRA notices to include information about the public health insurance exchanges — a.k.a., the “Marketplace.” Both the model General Notice (Word Doc.), as well as the model Election Notice (Word Doc.), were changed. Employers should be using the new “Marketplace” language included in the revised notices to ensure good faith compliance with the ACA and COBRA. Cite: “ACA Compliance: Avoiding the 30 Penalty Triggers,” a presentation by David Lindgren at the SHRM 2016 Annual Conference and Exposition. Hi Everyone!
I just wanted to get out my NEW contact info for the mortgage company I repositioned to. As of June 1 made the transition and couldn’t be happier! The rates, loan products, people etc. are all fantastic and I’m ready for your call ☺ My cell phone of course has remained the same 630-986-6864 but my new email is: Todd@GreatMortgageCompany.com And my personal website is: www.GreatMortgageCompany.com/THector You will be hearing more from me soon… Todd Hector NMLS: 1280911 Mortgage Loan Originator NMLS: 1280911 Debbie Jackson
National Sales Manager 145 Tower Drive Burr Ridge, Il 60527 fax: 630-468-2166 mob: 708-278-6071 Debbie.Jackson@Waterlogicusa.com Laura Jaramillo, LPC
doTERRA Wellness Advocate, Therapist Phone: 630-891-3027 Mobile: 630-291-4470 Fax: 630-468-2600 Email: BeFree2BeYou@gmail.com Website: www.ams-wellness.com Address: 289 83rd St. Suite C Burr Ridge, IL 60527 John Christiansen, Physical Therapist
137 East Plaza Drive Westmont, IL 60559 Phone: 630-323-8646 jchristiansen@arcphysicaltherapy.com Contributed by Kevin J Jenson, MS, BS Let’s look at some numbers. The human body has an estimated 37 trillion cells.(1) Each of these cells has a DNA genetic code that is more than 3 billion nucleotide pairs long. This DNA code contains an estimated 20,000 genes.(2) These genes contain the code for an estimated 90,000 unique proteins.(2) These proteins perform an innumerable amount of different functions in and around cells. These huge numbers of cells, genes, and proteins are matched by myriad other molecules that regulate and perform functions in the cells, such as RNAs, peptides, and sugars. If anyone ever questions the preciousness of life, they should take a hard look at the incredible molecular processes that even one of their cells undertakes every second. To understand how a cell works, first you must understand how proteins are made. The template for proteins is found in deoxyribonucleic acid, or DNA. DNA is the code for all life. The DNA code is passed from parents to offspring. Contained within the DNA sequence are genes, which encode for messenger ribonucleic acid, or mRNA. mRNA relays to the protein-making machinery the amino acid sequence needed to assemble a protein. These long chains of amino acids form proteins—the workhorses of the cell. There are a whole host of activities happening within each cell. Food must be broken down. Energy must be produced. Amino acids, carbohydrates, hormones, lipids, steroids, nucleotides, vitamins, and minerals must be produced, altered, or otherwise metabolized. Cells utilize biochemical pathways to make this happen. A biochemical pathway is simply a set of chemical reactions that must occur in a step-wise fashion to generate a particular product. Biochemical pathways can be thought of as a Rube Goldberg machine. One protein stimulates another protein to act on a different set of proteins and so on, creating a chain of events resulting in the desired outcome. So where do essential oils fit into this? Essential oils are active at the cellular level of our bodies. Better said, essential oils affect the biochemistry of our cells. Two of my favorite essential oils are Cinnamon Bark and Oregano. Their main chemical constituents are cinnamaldehyde and carvacrol, respectively. When taken internally, these oils have a variety of interesting beneficial effects on cellular biochemistry.* I will illustrate just two examples. 1) Cinnamon Bark. The colon is a prime target for toxic insult. In a recently published preclinical study (May 2015), dietary cinnamaldehyde was found to activate the Nrf2-regulated antioxidant response in colon cells, which protect the colon cells against oxidative and toxic insult.(3)* Nrf2 is a DNA regulatory protein, and its activation is being studied quite extensively for its ability to unleash the antioxidant activity latent in each cell. Without an activator, this powerful endogenous (internal) antioxidant activity lays dormant within the cell. 2) Oregano. Well-regulated levels of inflammation are key to good health. Inflammation is actually mediated by the immune system. In a recent preclinical study (June 2015), ingested carvacrol decreased levels of the key immune system inflammatory particles called cytokines.*(4) Cytokines are small proteins that act as messengers for the immune system. An immune system under stress can sometimes overproduce cytokines and other inflammatory molecules, which can lead to adverse effects throughout the body. For example, when we undergo acute bouts of intense exercise, we trigger a natural inflammatory response. Carvacrol may help assist the body’s normal immune system response to such stressors.* These are just two examples of the many means by which essential oils affect cellular biochemistry.* Given the vast numbers of molecules that orchestrate cellular life, it is compelling that essential oils can have such potent effects on our cells.* Bibliography *These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent disease. - See more at: http://doterra.com/US/en/blog/safety-physiology-essential-oil-cellular-activity#sthash.Sxzs9rG6.dpuf Laura Jaramillo, LPC doTERRA Wellness Advocate, Therapist Phone: 630-891-3027 Mobile: 630-291-4470 Fax: 630-468-2600 Email: BeFree2BeYou@gmail.com Website: www.ams-wellness.com Address: 289 83rd St. Suite C Burr Ridge, IL 60527 |
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