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I recently stumbled across an Ebook called "6 Figure Blueprints" which is especially cool if you are trying to build an MLM business. The author's name is Kevin Latmore and he is a very successful Multi-Level marketer thats been raking in big bucks for years.

When I first found the website I though tot myself, "Ohh no, not another one..." LOL but after I checked out the site I realized that they give a "leaked chapter" for free so I figured why not check it out.

As it turns out.. the ebook was really informative and the best part was that they offer you the full ebook PLUS the audio version for.... wait for it.... wait for it.... FREE. lol
Yeah, I was a bit skeptical but all Kevin asked was that I spread the word about his website in exchange for the free product.

Now, I may not be a "marketing guru" (yet) but I thought to myself, "Wow- thats pretty cool ehh?" ...I mean this guy is using viral tactics to get more traffic to his site, that's just pure genius. I knew right then that I had to learn more about how this guy makes money.

Rest assured, the ebook is top notch and reveals several "insider strategies" that the big dogs use to grow these huge teams in all kinds of MLM businesses. It was definately worth my time, I actually saved the audio version on my computer so I can listen to it again.

Hey - you don't have to just take my word for it though, you can get it free for yourself here:

6 Figure Blueprint EBOOK

Just click that link and you'll see what I mean!

Talk soon!



You should get 6 Figure Blueprint EBOOK now!

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GRANDFATHERED HEALTH PLANS?

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The new law allows plans to be grandfathered i.e. not subject to all the law requires. However, compliance is difficult.

To be grandfathered a plan must have at least one person enrolled as of March 23, 2010 when the law was passed. One person must remain enrolled although it does not have to be the same person.

If a grandfathered plan doesn't make any non-allowed changes, it will remain a grandfathered plan indefinitely. Take a look at what causes the loss of grandfathered status: .

• If the grandfathered plan enters into a new policy or contract of insurance. Renewal will cause the loss of grandfathers status.
• If an insurer eliminates benefits that are normally covered.
• If there is an employee cost share increase by 5% or more.
• If the coinsurance provision is increased compared to what was in effect when grandfathered.
• If the employee share of out of pocket limits, deductibles etc are increased by more than about 15%.
• If the co-pay increases by more than $5.
• The imposition of a lifetime or annual limit where one did not exist before, or a reduction in the limit if one did exist.
  

If a plan loses its grandfathered status, it will become subject to all of the changes of, The Patient Protection and Affordable Care Act.

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Obama Care Knowledge Quiz

The following quiz is from the National Center for Policy Analysis. I've abbreviated it simply to save space.

1. Under ObamaCare, will your health care coverage be identical to every other American’s?

If you said NO, you are correct. ObamaCare was passed with special deals that treat citizens unequally depending on their geographic status and the nature of their jobs. For example, members of certain labor unions are exempt from requirements other Americans have to meet, and Floridians on Medicare Advantage receive special treatment under the law.


2. Will ObamaCare will save every American money on their health coverage?

If you said NO, you are correct! Some Americans will pay far more. A $30,000-a-year worker with a family will only get a $2000 subsidy. A $60,000-a-year family will get a subsidy twice as large!

3. Under ObamaCare, will you be required to purchase health insurance whether you can afford it or not?

If you said YES, you are correct!
Actually you'll be fined if you don’t purchase health insurance. The Congressional Budget Office (CBO) estimates that by 2016, nearly 4 million Americans will be fined as much as $1,000 per year which the IRS will collect!

4. Will senior citizens pay less for prescription drugs and medical devices?

If you said NO, you are correct. In 2011, new taxes will drive up the cost of prescription drugs. In 2013, higher taxes on medical devices such as pacemakers will similarly increase costs for senior citizens.

5. Do you think you'll NEVER lose your employer provided health insurance?

If you answered NO, you are correct! As many as 35 million Americans could lose their employee-based health coverage and be forced into plans and subsidies provided by the federal or state government exchanges.

HRA - Obama Care & Over 50 employee Groups

In my last post I stated that the under 50 employee group health plans would be vacated by employers. Since then others have concurred. However I didn't expect that the very large companies, especially those which were Obama supporters would join the fray.

Read the following post concerning large companies. If they are correct, and if I and others are correct the exchange tables are going to be very busy indeed.

"Is Healthcare reform The End Of Employer Medical Insurance coverage?"

You know, I continue to read blogs that think the current law is simply full of errors that the administration did not intend.

I don't agree. I think it is all by design. It is designed to create a single payer government run and controlled take over of the US health care system.

It is definitely time for prayer.

HRA - Obama Care & The Under 50 Employee Group

Did you know that very soon employers with 50 or less employees will be terminating their current traditional group health insurance for other options like the Health Reimbursement Arrangement (HRA) and the Premium Only Plan (POP).

Why?

IF the average monthly premium for a family is in excess of $600 per month (a conservative estimate); and the cost (fine) for not providing a health care benefit is less about $170 per month per employee; then, why would the employer maintain the traditional health care plans?

Some have said that employers will maintain group plans in order to attract and keep quality employees. Well that is very altruistic.

However, suppose I told you "employers can continue to provide a vehicle for employees to have employee-owned health insurance and still vacate the traditional group plans thus saving lots of money in the process."

It is possible under at least two different plans: The Health Reimbursement Arrangement and the Premium Only Plan. In each of these two plans a method of funding for employee owned health insurance creates a win-win situation for all.

For a consultation to review your business' group health situation contact me via email or phone. tom.markley@paonline.com or 717.574.6009

HRA & Mass Cancellation of Group Health Plans

Will mass cancellation of employer-sponsored group policies be an "unintended consequence" of Health Care Reform, or will it be an "intended consequence".

Now that Health Care Reform is the law employers small and large are preparing for and actually terminating their employer-sponsored health insurance plan. Why?

The answer lies in cost and protection. The Health Care Reform bill took away some of the negatives for employers. For example, they were rightfully concerned that an employee with a health issue would not be able to get affordable insurance or insurance at all! The bill takes that fear away:

1. Starting June 23rd 2010, there will be a new federal "risk pool" to guarantee affordable personal coverage to adults with preexisting medical conditions.
2. Beginning September 23, 2010, all carriers offering personal health policies may not reject or charge more for children with preexisting conditions.
3. Beginning January 1, 2014, insurance carriers must accept all applicants for personal policies at the same price regardless of their health status.

The result is that most individuals will be able to purchase their own personal health insurance even if they have a preexisting medical condition. Then they will have their own personal insurance regardless of what happens at their work.

"Under the new rules, virtually every employer with less than 50 employees can switch from group coverage to simply giving employees a reimbursement account so that they can purchase their own personal policy. Most large employers will follow suit once they realize how large of a subsidy their employees receive if the employer does not offer group coverage." Paul Zane Pilser

WHY? With the government set penalty of a maximum of $2000 per employee per year, that calculates to less than $170 per month per employee. That rate would normally be charged for a child in perfect health!

With group rates in PA at or near $1200 per month for a family, that is a major disincentive to maintain the employer-sponsored health benefit. Further, since the employees can get an equal or better plan that becomes a win-win for employers and employees.

Now back to the consequence of group plans being cancelled, I think it is intended so that when more and more people will be in the exchanges. Then a health insurance company crisis will be manufactured so that the government option will "come to the rescue" thus completing the move to single payer government controlled socialistic medicine.

I’m certain that many will disagree with me thinking that I am a conspiratorial whacko. OK. However, simply recall the words of the dems who kept saying "This is like a starter home." That tells me all I need to know.