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Emotions to Expect After a Crash

Often, after a car crash, you experience shock. Once the shock subsides, you may experience a range of emotions. Most car accidents are unexpected, and you may not have been prepared for or able to prevent them. Gaining this perspective can help you understand the feelings you have after a car crash. These feelings and reactions will eventually fade as the car is repaired, insurance matters are resolved, and physical injuries heal. However, if you are struggling with your mental health or overall well-being after a car crash, it is important to seek help. In New Zealand, many organizations offer…
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outsourcing of health care isn’t privatization

Screenshot 2023-06-29 140840. jpg By Åke Blomqvist Following passage of the Ford government’s Bill 60, Ontario’s ministry of health now has the option to contract out to independent clinics the provision of certain kinds of health-care services normally provided in hospitals. Its opponents have cast the bill as favoring “privatization” and as a threat to the Canadian model of public health care. An emotionally charged television commercial commissioned by the Ontario Public Service Employees’ Union (OPSEU) conjures up a dystopian future where stone-faced capitalists in dark suits push a gurney with a teary-eyed post-surgery patient through dim hospital corridors and…
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Base Salary Increases, Social and Health Insurance Caps to Rise

While changes to the base salary (not to be confused with the minimum wage) generally only impact government workers, there are some changes to social and health insurance payments that foreign firms should be aware of. What’s changed? On November 11, 2022, the National Assembly approved a resolution to increase the base salary from July 1, 2023. This would see the base salary of government employees increase from VND 1,490,000 (US$63.25) to VND 1,800,000 (US$76.41) per month. This salary represents a 20.8 percent increase over the current base salary. This was codified in Decree No. 24/2023/ND-CP dated May 14, 2023.…
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New Baby? Time to Update Your Estate Plan

We often have clients ask us when the best time to do their estate plan is and the answer is usually, right now! This is especially true for people turning 18 years old, people who don’t have a plan, and people who have had recent life changes. We can help you stay on top of the latest news that affects your everyday life. Subscribe to stay up to date. (To subscribe to our blog click here). One event that should trigger you to meet with an estate planning attorney is a new baby. When you are expanding your family, that…
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Mutual Advisors LLC Cuts Position in Fidelity MSCI Health Care Index ETF (NYSEARCA:FHLC)

Mutual Advisors LLC trimmed its holdings in shares of Fidelity MSCI Health Care Index ETF (NYSEARCA:FHLC – Get Rating) by 39.0% in the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund owned 5,209 shares of the company’s stock after selling 3,327 shares during the quarter. Mutual Advisors LLC’s holdings in the Fidelity MSCI Health Care Index ETF were worth $320,000 at the end of the most recent quarter. A number of other hedge funds have also bought and sold shares of FHLC. Beaumont Capital Management LLC grew its stake in the Fidelity…
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The high cost of giving birth even with insurance

Qthe burden of high health care costs and medical debt in the US is no secret. Medical debt affects one in five adults in the US, with an average burden of more than $20,000 for each medical debtor. As primary care physicians, we frequently witness the effects of these financial burdens, particularly for our older or sicker patients with expensive medical conditions. However, new research we published recently in the Journal of General Internal Medicine shows that medical debt is also common in a younger and healthier population: women who have just had a baby. In a sample of more…
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Friday Health Plans of Nevada taken over by state regulators

A district court judge has ordered that a health insurance company that covers 2,805 Nevadans be placed in receivership under the control of the state Division of Insurance. Day-to-day operations of Friday Health Plans will now be handled by the Division of Insurance. The insurer’s policies are still in effect and the court order, which was issued June 12, prohibits providers from denying health services. The Division of Insurance first requested receivership for Friday Health Plans on June 1 after it received “inconsistent financial filings” from the company. Friday Health Plans supported the move for regulators to take over its…
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Estate Planning: 5 Things to Consider

If you are preparing to draft your estate plan with your estate planning attorney, there are a variety of issues that you will need to think about before your documents can be finalized. We can help you stay on top of the latest news that affects your everyday life. Subscribe to stay up to date. (To subscribe to our blog click here). Prior to drafting your estate plan, we recommend that you give some thought to the following items: How do you want your money and assets handled if you die? Do you want any restrictions? If you are married,…