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All employers have responsibility of guiding their employees about the health benefit schemes offered by them. Even the employees on the other hand also have the right to receive information about the health benefit schemes offered to them. Therefore an employer has the right to inform the employees about certain information regarding the health benefit schemes. For this reason, organizations have created the position of Health Benefit Manager having communication as one of the responsibilities for health benefit related schemes and procedures.Key information heads to be shared by employerThere is a plethora of information available for communication. It is the skill of the Health benefit Manager to present them in a structured manner on behalf of the employer.- Employers need to provide a detailed list of information to the employees about what health benefit schemes are provided to them or the scheme they are entitled to.
- Providing information regarding cost sharing as well as arrangements
- To take up necessary steps to resolve problem as well as to deal with appeals.
- To provide and guide its employees about the status of accreditation, certification as well as licensure.
- Provide sufficient and necessary information about the composition of the provider network too.
- To use the emergency care services as when required by the employees of the organization.
- To obtain referrals to specialists
- Most importantly provide all the information regarding the quality, safety of the health benefit plan and the cost of the employer sponsored plan.Regulatory directives
According to the Employer Retirement and Income Security Act of 1974, it is necessary to provide all detailed information that the employees are entitled to that includes plan rules, covered benefits, documents about the plan management and operation as well. The employees are also entitled to receive a document with the summary plan description, known as SPD. The SPD contains- Information of the health care services that are covered in the plan.
- Description of what services are being provided by the plan and how these schemes function.
- It provides information also on how to calculate the benefits.
- Explanation on the cost that the plan covers and the cost that the beneficiary has to pay.Tools and Methods for communicating
There are various methods by which the Health Benefit Manager, on behalf of the employers, can communicate health benefit information to the employees:- One of the best ways is to communicate with the employees about the health coverage plan but providing too much information of it should also be avoided. The employees should be given the required time to understand the scheme and ask questions if any.- It is best to explain the changes in simple terms to the employees to make them understand.- Apart from the employees it is also necessary to explain the health benefit plans to the health benefit managers so that they can explain it to the employees to.- Employers should be ready to face any questions asked by employees regarding the health benefit scheme and clear their doubts.- It is equally important as well to be direct and honest when discussing about the coverage plan especially if employees face cost increase due to the coverage plan.- Discussing the 5C’s too is essential with the employees. This 5C’s include cost, changes in plans, coverage of the plan, comparison of the previous year’s plan and also the current option.- It is necessary to provide information the employees about the health care providers that are available in the revised and new plan option.- Providing testimonials of other employees about the changes in health benefit plans can also be quite helpful for the present employees.- Taking the help of various means like internet, face to face discussions, telephonic conversations, office intranet as well as printed materials can be helpful too. However it is also necessary to use materials that are easily understood by employees.Using health communication campaignsWhat are its advantages?- It is important for the employers to conduct communication campaigns to educate the employees about the need of health benefit schemes and how they operate.- The responsible manager’s aim should be to identify the objective and aim of the health care campaign.- To develop health care message that meets the objectives and aim of the campaign.- Setting up the criteria for evaluation of the campaign and also the degree to which it is getting conveyed among the employees.- To implement and the campaign and make sure that the employees understand message that is being conveyed by the employer.- It is also necessary to make sure that the employees also to address the education need of the employees with language barrier, literacy issues etc.To conclude, an effective way to communicate about the health benefit scheme is the cornerstone of every business organization. In these schemes, employers can also guide and help its employees to select a scheme and explain every detail they should know. The authority should also explain the new health scheme option and also about the changes in the existing benefits. To improve the health plan costs the employer’s must keep in mind the factor of low health literacy. Health plans and employers should also be able to successfully communicate with employees. Lastly, employees and employers should also be able to communicate clearly about the health benefit plans.

Starting with a new start-up is not easy to work on. You need to keep a check on many things. There are many things that need attention. I mean everything the product the marketing process the product making process etc. from starting to ending you have loads of work when the start-up is new and you need to be careful too because the first impression is the last impression. Some of the people ignore the marketing process as if it is not necessary and then they think it is costing them much too. And if seen that normal marketing costs much but it’s not in the case of Digital Marketing Course in Delhi. If digital marketing is done then it is going to be of good use it will help your business grow and also it is what more of the peoples prefer these days.
So let’s see what you need to do for a new start-up?You need to see what is on trend and how can it be helpful for you- it is important for you to be the type of brand that can be easy to use in mobile phones these days it is necessary to be mobile ready. So you need to have online strategies where they can be available and that they are mobile-friendly so you need to have such websites and applications that are available on mobile phones too. You need to make sure that it is designed in such a way that it will reach to more and more people. If seen in studies mobile searches and use in online marketing s more than desktop use. So we can say that using the idea of setting things the way people find it easier is a lot of help when you are new.We all know the words attracts us a lot- in other words, content is what attracts people more in online marketing so if it is said that content is the king of attracting people in digital marketing it will not be wrong. Content is which can make your brand at a winning or may make you lose so what is more important is having a good content. The content having good quality without any grammatical mistakes as well as unique things will attract more and more people. Content is also a way of communicating with the costumes. So if you have a new start-up you need to have content enough to attract more and more people.You know social media contains more engagement than anything- when it comes to digital marketing then social media is a platform which will help you grow more. Social media is a platform which has people from all over the world so can’t deny that it will bring more traffic than anything. Digital marketing with social media is such an investment that will not let go of your hard work in vain it will give you better results and at the very fast time period. As a start-up, you should invest where you will get more response if you see that digital marketing is cost-effective as well time saver too while if seen in traditional marketing you have a long process and it expensive too.Digital marketing can bring you success- if we say that digital marketing is the best path towards success it will be no wrong to say it. Digital marketing if used and done properly can be a successful step towards success. It’s just that you need to be up to date every time its just a onetime investment and then the success is all your if you are a digital marketing person.If digital marketing is used then the engagement will be genuine- if we say that using digital marketing will bring us the genuine engagement of peoples and we can measure that how many people have engaged with us. So this is what the effect of digital marketing is in the start-ups and you know if you are a digital marketing person then you can target the customers of your choice. You can choose to whom you want to know about you.Customers need understanding which is possible only here- if we say that customers search for the place where they could be understood so if you are new then you need to make sure you can make your customers understand easily and in digital marketing, it is easy to make them understand. You should know what your customer you can need to be prepared at any hour your customer can ask for anything so all you need is to be well prepared.

The question in the title is a very important one, and I think all of us should have this question in mind and search for a complete answer. The truth is though, that we only ask about health when we have a serious problem. A official definition of health is given by The World Health Organization who defined health in its broader sense in 1946 as “a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity”. For 1946 it was not a bad definition, but let’s face it, times have changed and life has evolved since then, so today we have 2 new aspects of health to consider: emotional health and spiritual health. If we take a step back and try to see the “big picture” we realize that each aspect of health influences the other aspects, for example if someone has an emotional problem it will cause physical problems, spiritual problems, mental problems and social problems too, so it’s very important to solve the problem when we first see it even if we don’t think that an emotional problem is important. In the incipient phase the emotional problem could be solved by simply talking to a friend, but if we let it develop it could need serious professional help. After this example I think you will want to know more about each aspect of health, so let’s see what they mean and how can we improve them.Physical health – the first thing that comes to my mind when I think about perfect physical health are babies – they are the best example because they run all around the place and use their energy until they fall asleep. If we could do the same, I’m sure we would have a better physical health. A definition of physical health would be that it is a state in which all of the organs are functioning well 100% of the time, so in order for that to happen we have to give our body good nutrients, good exercise and enough rest. It may sound too simple, but it shouldn’t be more complicated than this.Mental health – one good example for this is inventor Thomas Alva Edison, he tried and failed more thousand times to invent the light bulb, but he was strong enough mentally not to give up, and he eventually succeeded. Mental health is a state of well-being that allows you to reach your true potential and contribute to the community. It may seem strange for some of you, but actually helping others is the greatest thing that we can do and it keeps us happy and healthy, so in order to improve your mental health start by helping the people around you, I can tell you for sure that you will feel very good by doing so.Emotional health – imagine a little girl on a Christmas evening opening her presents, that for me is an example of good emotional health, because gratitude and happiness are the healthiest emotions for us. I think emotional health is about feeling good, grateful, happy and not being afraid to share these emotions with all the people we interact with. A good way to improve our social health is by doing both physical and mental exercises that we like to do, for example if you like to play tennis and chess, please do so as often as you can.Social health – the best indicator for social health is the ability to make friends. The social aspect of health is very important, because we are social beings and it’s scientifically proven that if someone is ill and their loved ones are with them, they recover faster than if they were to stay alone. A tip on how to improve your social health would be to understand the fact that “it’s nice to be important, but it’s more important to be nice”.Spiritual health – is the most important aspect of health from my perspective because it influences all aspects of our health and often it is neglected. We have to take care of our soul as well as we take care of our physical body and the best way to do this is by meditation. Please don’t be scared if you don’t know what meditation is or how you can do it, because it’s a lot easier than you think, in fact you don’t have to do anything, just stay still and silent. If you can remain still and silent for 15 minutes a day and gradually increase this interval to an hour a day, it will have a great influence on your spiritual health and on your overall health too.By now I am confident that the question: What is health? is no longer a difficult one for you. Thank you for reading this article, and please try to improve each aspect of your health now that you know how to do it.

Without a doubt, starting a home business online can be very exciting – especially if you have just discovered how much potential an online home business can actually have. However, a lot of people come to me with problems because they don’t have enough knowledge of online marketing, are scared of success, failure, are lacking in start-up funds, or are just impatient.Well, I am here to tell you that you really won’t be able to make hundreds of dollars with your online business overnight. You have to work for it. In general, if you want to succeed with an online business, here are the basic things you need to take into consideration.1. Are you interested in growing your business into one so big that it will eventually be your only source of income?2. Would you rather run your business from home on a part-time basis? Do you have a plan consisting of the amount of time you will spend on your business, and do you have every resource you need on-hand? For starters, do you have a computer and an Internet connection?3. Have you thought about which kind of online marketing business model you would like to get involved in? Would you like to create downloadable products to sell, or would you rather sell products as an affiliate?4. Have you done research no the online markets that look interesting to you, and found out which market would be ideal for you when it comes to demand and profit potential?5. Do you have enough money to cover the expenses of buying website domain names or to pay for online web hosting? If you are as serious about building a business of online marketing as I am, then I would recommend you to pay for an auto responder, as well.After thinking about the questions above, you can start moving ahead with your online business. Now, as exciting as this time might be, I need to tell you that it will also be filled with fears and doubts. In order to overcome these things, you simply need to stay focused on growing your online business at all times. One good habit to practice would be to ensure that you do certain things on a daily basis.Take it from me: starting a home business online is definitely lucrative and rewarding, but you will need to be patient, dedicated, determined, focused and willing to adapt and learn as each day goes by. However, once you get all of these attributes down, your online business will definitely grow and help you find the kind of financial freedom that you seek.

In an ideal world, we would all be able to balance our personal income and expenses each month so that we would never fall short of having the money we need. In such an imaginary world, you could easily predict and plan for expenses such as upcoming car repairs, medical expenses, or the need to travel to visit relatives in another city.Of course, we know that such a world does not really exist. In real life, any number of things can happen to you in a way that makes it virtually impossible to predict your exact cash needs for the upcoming weeks and months. Sure, we can all work to be great planners, but life just doesn’t work quite as simply as that.When unexpected cash needs arise and you are not able to cover them using your regular income resources, you may consider taking out a personal loan. Technically, a personal loan is any loan whereby you are able to use the cash you receive for anything you like. Contrast this to auto, boat, or mortgage loans, whereby you are borrowing money in order to use it for a specific purpose.If you need access to cash fast but have a bad credit score, here are the advantages and disadvantages of the 10 best bad credit personal loans:1. Borrow from a friend:This is a great way to go because it will usually not cost you a penny in interest charges. The drawback, of course, is that if you are unable to repay the loan you risk damaging or ruining the friendship. Or, it just may be that your friends do not have the cash to loan you.2. Borrow from family:This is very similar to taking out a loan from a friend, including both the advantage of a no-interest loan and the disadvantage of it being a risky venture. Unlike with friends, family may be a bit more forgiving if you are unable to repay the loan in time.3. Borrow from your boss:All of us have seen movies or read books wherein the main character takes out a loan from their boss. If you have worked for your boss for years and if he or she is particularly keen on you, this plan could work. But, it’s not a sure thing.4. Visit a pawn shop:If you have something of value to put up as collateral against your personal loan, consider visiting a pawn shop. Make sure you are okay with risking your valuable possession as collateral since you could lose it.5. Get a payday loan:If you receive a steady paycheck, a payday lender will be able to make you a loan against a future paycheck. The downside: very high interest rates and the fact that you will still have to come up with more money in the future, since your future paycheck will be going toward the current loan.6. Take out an auto title loan:This is where you use your car as collateral against a high-interest loan. Very high interest rates usually apply with these loans, and you risk losing your wheels.7. Take out a home equity loan:If your home is worth more than the balance on your mortgage, your bank may be willing to make you a loan against that equity. This is a great personal loan choice if you have home equity.8. Take out a home equity line of credit:This works much like a home equity loan. But, with a line of credit, you just borrow what you need when you need it, instead of all at once. Interest rates are usually variable.9. Take out a secured personal loan:A secured personal loan, like an auto title or pawn shop loan, is one whereby you put up something as collateral. It could be any object of value. Great choice if you have something to use as collateral.10. Take out an unsecured personal loan:An unsecured personal loan is ideal because it does not require you to offer any loan collateral. If you have a bad credit score, you may have trouble taking out this type of loan. But, you can still qualify: just find at least 5 bad credit personal loan lenders and apply to all of them. These lenders specialize in working with people in your credit situation.Consider these 10 best bad credit personal loans as you find a way to get the cash you need to pay your bills.

If you have bad or poor credit ratings and you need a car to fulfill your computation needs, chances are you might be confused as to how to go about it. You have a dire requirement for a car, but you just ca not manage to get one. In most cases, when an applicant applies for an auto loan, and knows he or she has poor credit ratings, there is a common feeling that things are not going to work out. Well, the good news is that that particular feeling is a misconception. Things are possible.You can get your auto loan even with lousy credit ratings. The main reason why that is possible is because many subprime loan providers offer auto loans with bad credit. You can get your car loan, but you need to know a few facts about how the car market works, and you also need to organize and prepare yourself for your car loan. The article tries to help any individual with poor credit scores prepare for the credit facility by providing some of the necessary, and much required information that is related to acquiring loans with poor credit ratings or scores.Credit scores to qualify for the car loanLoan providers generally consider credit scores within the range of 500 to 680 while providing the car loans. The minimum score that is required is 500 to qualify for the loan. Creditors prefer not to entertain applicants whose credit ratings are below that level for the simple reason that the applicants automatically become subprime candidates, and the risk factor associated with the loan repayment increases. Loan providers always prefer to play it safe, especially in these troubled economic times when the market conditions are bad, and many individuals are facing pay cuts and job losses.If you happen to have poor credit ratings, and desire to go in for standard auto dealers or creditors who provide auto loans, it is recommended you improve your credit ratings by engaging in a credit score recovery program. If you are pressed for time, and it is important to avail your car on a priority basis, it is advised you search out for creditors who specialize in providing credit facilities to people who have low FICO scores and bad or poor credit ratings. Many creditors provide poor credit car loans, and the best place to find them is to be online and search the net by Googling with the correct keywords.Required monthly incomeGenerally loan providers look out for a monthly income that is within $2,000 to $2,500. The other factors considered are what kind of overheads or fixed monthly expenses the applicant incurs, in addition to other financial liabilities associated with maintaining the family. If your monthly paycheck is within the range, you are most likely to qualify for the auto loan. In case you are not, there is an option to go in for some additional income by taking up some part time job, or even take up some project work that helps in getting some extra money. In any event, you need to earn the required amount every month, and make sure there is proof regarding your total monthly income, which you can submit along with your loan application. In case you ca not come up with the required monthly pay, you can always find a car loan lender who can provide a bad credit auto loan.Credit bureau and the length of your recordThe reliability of a person is loan repayment is reflected in the credit records. If the credit history is short, it does not give much information about how the particular individual has repaid the credit borrowed. And this issue worries the creditors. They look out for consistency as far as loan repayment is concerned. And the only way they can come to know about it is through the credit records maintained with the credit bureaus.Even if the credit record is not that good, if there is enough evidence that the applicant has eventually redeemed the loan, the creditor is likely to consider the loan application. However, if the applicant does not have a longish credit history, the creditor is going to be hesitant while considering the application. If you do not have the required credit history, it is recommended you contact a loan expert and work out other options as to how one can compensate for the deficiency of the credit records. One possible way is to go in for a co-applicant how has the required credit history, or maybe go in for a co-signer who can provide a guarantee on your behalf.The down payment factorThe money you pay as a down payment makes a substantial difference. In fact; it is the major factor which decides the extent to which you will get your auto loan. The greater the amount, the better the chances you have of getting your required credit. Creditors understand if the person makes a bigger down payment, he or she is more committed in redeeming. Another advantage the creditor has is the fact that a substantial down payment reduces the net payable interest and the loan balance. The risk factor gets reduced. So if possible go in for a greater down payment to increase your chances of getting your loan, if you have poor credit ratings.The rate of interestEvery loan, whether it is a car loan or a mortgage loan is associated with a certain rate of interest. The fundamental objective of the loan provider, any loan provider for that matter, is to make money through the interest rate. If you find it difficult to qualify, you could offer to pay a higher rate of interest for your car loan. It might interest the creditor, and tempt him or her in providing you with the loan.Be honestPeople tend to hide their negative points. There is a general tendency to lie about things if one feels one can get away with it. The problem is as far as credit history or records are concerned, everything is recorded and in black and white. Your creditor will definitely know your credibility through the credit bureau. So if you lie while filing up the application form, it just would not work. it is very likely your application well get rejected on the grounds of misleading or false information. Providing wrong information intentionally can be a criminal offense in some of the states, and can even instigate a litigation or a law suit. So honesty is the best policy while applying.Know the creditorIt is important to know about the creditor is background. At times, creditors have personal preferences as to who they desire to fund. One can check out the client history and get a certain idea as to what kind of clients the creditor favors, and which applicants are rejected. Generally there is a patter in the manner of rejections. If you feel you probably belong to the “rejection” category, it is advisable you find a different creditor who is likely to honor your application.The car itselfThe car that you choose plays a major part in deciding the parameters of the car loan. The down payment, the rate of interest, the tenure, etc depends upon the make and the model of the car you decide to buy. The lower the cost of the car, the greater the chances of getting your loan approval. it is worth thinking about a “used” car as a possible option if you do not have proper credit ratings.

Summary
SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice.
This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index.
SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF.
Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.
We rate SPDN a Strong Buy because we believe the risks of a continued bear market greatly outweigh the possibility of a quick return to a bull market.
Put a gear stick into R position, (Reverse).
Birdlkportfolio

By Rob Isbitts

Summary
The S&P 500 is in a bear market, and we don’t see a quick-fix. Many investors assume the only way to navigate a potentially long-term bear market is to hide in cash, day-trade or “just hang in there” while the bear takes their retirement nest egg.

The Direxion Daily S&P 500® Bear 1X ETF (NYSEARCA:SPDN) is one of a class of single-inverse ETFs that allow investors to profit from down moves in the stock market.

SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.

Strategy
SPDN keeps it simple. If the S&P 500 goes up by X%, it should go down by X%. The opposite is also expected.

Proprietary ETF Grades
Offense/Defense: Defense

Segment: Inverse Equity

Sub-Segment: Inverse S&P 500

Correlation (vs. S&P 500): Very High (inverse)

Expected Volatility (vs. S&P 500): Similar (but opposite)

Holding Analysis
SPDN does not rely on shorting individual stocks in the S&P 500. Instead, the managers typically use a combination of futures, swaps and other derivative instruments to create a portfolio that consistently aims to deliver the opposite of what the S&P 500 does.

Strengths
SPDN is a fairly “no-frills” way to do what many investors probably wished they could do during the first 9 months of 2022 and in past bear markets: find something that goes up when the “market” goes down. After all, bonds are not the answer they used to be, commodities like gold have, shall we say, lost their luster. And moving to cash creates the issue of making two correct timing decisions, when to get in and when to get out. SPDN and its single-inverse ETF brethren offer a liquid tool to use in a variety of ways, depending on what a particular investor wants to achieve.

Weaknesses
The weakness of any inverse ETF is that it does the opposite of what the market does, when the market goes up. So, even in bear markets when the broader market trend is down, sharp bear market rallies (or any rallies for that matter) in the S&P 500 will cause SPDN to drop as much as the market goes up.

Opportunities
While inverse ETFs have a reputation in some circles as nothing more than day-trading vehicles, our own experience with them is, pardon the pun, exactly the opposite! We encourage investors to try to better-understand single inverse ETFs like SPDN. While traders tend to gravitate to leveraged inverse ETFs (which actually are day-trading tools), we believe that in an extended bear market, SPDN and its ilk could be a game-saver for many portfolios.

Threats
SPDN and most other single inverse ETFs are vulnerable to a sustained rise in the price of the index it aims to deliver the inverse of. But that threat of loss in a rising market means that when an investor considers SPDN, they should also have a game plan for how and when they will deploy this unique portfolio weapon.

Proprietary Technical Ratings
Short-Term Rating (next 3 months): Strong Buy

Long-Term Rating (next 12 months): Buy

Conclusions
ETF Quality Opinion
SPDN does what it aims to do, and has done so for over 6 years now. For a while, it was largely-ignored, given the existence of a similar ETF that has been around much longer. But the more tenured SPDN has become, the more attractive it looks as an alternative.

ETF Investment Opinion

SPDN is rated Strong Buy because the S&P 500 continues to look as vulnerable to further decline. And, while the market bottomed in mid-June, rallied, then waffled since that time, our proprietary macro market indicators all point to much greater risk of a major decline from this level than a fast return to bull market glory. Thus, SPDN is at best a way to exploit and attack the bear, and at worst a hedge on an otherwise equity-laden portfolio.