Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Friday, 25 November 2011

Direct Access to Physical Therapy Saves Time, Money and Reduces Pain

Conshohocken, PA (PRWEB) November 15, 2011

While healthcare concerns permeate the nation, many Americans with mobility problems are using their state's Direct Access measures to get the physical therapy care they need. Recent studies show that Direct Access has provided significant positive implications on the US health care system.


Direct Access, which has been legalized in 48 states, allows patients to go directly to a physical therapist without a doctor's referral, and have the visit paid for by an insurance provider.


Direct access to physical therapy services saves money for the patient and for the insurance companies by eliminating unnecessary visits to physicians offices when the purpose is solely to obtain a prescription. It also benefits the public by allowing for more timely identification and treatment of health problems and it has been demonstrated to minimize the necessity of long term care. Direct access allows us to treat our patients in a timely manner but we still maintain a great working relationship with their primary physician to maximize their recovery, said Dr. Desirea D. Caucci, PT, DPT of Conshohocken Physical Therapy.


A recent study, in the journal Health Services Research (HSR), reviewed 62,707 episodes of physical therapy using non-Medicare claims data from a Midwest insurer over a 5-year period. Patients who visited a physical therapist directly for outpatient care (27%) had fewer visits and lower overall costs on average than those who were referred by a physician, while maintaining continuity of care within the overall medical system and showing no difference in health care use in the 60 days after the physical therapy episode.


The study is noteworthy because services delivered by physical therapists account for "a significant portion" of outpatient care costs in the United States, according to the study, and some health insurance plans require a physician referral for reimbursement of these services.


Physical Therapists are motion experts. They help improve or restore the mobility you need to move forward with your life. They are well-qualified, both through formal education and clinical training, to evaluate a patient's condition, assess his or her physical therapy needs and, if appropriate, safely and effectively treat the patient. Physical therapists are also well-qualified to recognize when patients demonstrate conditions, signs and symptoms that should be evaluated by other health care professionals before therapy is instituted. Physical therapists recognize when it is appropriate to refer patients to these other health care professionals for consultation.


Conshohocken Physical Therapy(CPT) is a private practice delivering high quality, evidence-based care to improve their patients quality of life. They have been voted the Best Physical Therapy Practice in Montgomery County, PA, multiple times. Owner, Dr. Desirea D. Caucci, PT, DPT, has been named one of the top 3 Physical Therapists in the nation by Advance Magazine (2008) and has been honored as the national winner of the Dorland Health People Award for Physical Therapy (2010). They have also created a breakthrough iPad application for pain prevention - Motion Doctor. Their mission is to promote physical therapy on a grand scale and make a positive impact, both personally and therapeutically, on every person who enters their office. For more information please email bcaucci(at)conshypt(dot)com or visit http://www.ConshyPT.com.


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Planning To Make Your Money Last Forever

(PRWEB) September 27, 2004

It’s true that you can’t take it with you, but many are becoming more concerned about what happens to what they leave behind. Thanks to some recent changes in estate laws, strategies that were once only doable by the extremely wealthy are now more accessible by those of more modest means. Read on to see if you can take advantage of these estate planning tools and create a living legacy for your family.


Wealthy families have long used various trusts to increase their fortunes and help shield their assets from excessive taxes. States limited how long these trusts could last, making the managing of these fortunes costly and difficult. But thanks to the actions taken by several states to remove time limitations, now you can create a dynasty trust that can last forever.


Dynasty trusts have several main advantages. Primarily, they keep your hard-earned nest egg from being eroded by estate taxes. Normally, wealth transferred from generation to generation is subject to estate taxes. Over time, large portions can be lost to taxes. This money is preserved in a dynasty trust.


They also protect your assets from creditors, bankruptcy and divorce proceedings. For instance, let’s say your son is a doctor and you leave him a large inheritance. Should he be sued by a patient, those assets couldn’t be touched by the plaintiff if those assets were in a dynasty trust. The same would be true if that son got a divorce. His ex-wife wouldn’t be able to demand a share of the assets in the trust.


We’ve all heard of the problems with trust-fund kids, where the vast wealth left to them takes away their incentive to achieve their own success. That is easily prevented using incentives to encourage your heirs in ways that match your morals and values. For instance, you can withhold funds until a grandchild has earned a college degree.


Dynasty trusts are best suited for those who have at least $ 500,000 to $ 1,000,000 in excess of what they need to continue living comfortably. They cost between $ 5,000 and $ 10,000 to create and professional trustees usually charge about 1% a year to mange them.


You don’t have to have a million bucks in cash lying around. Real estate, such as rental property, personal residences or vacation homes can be put into these trusts. When planned in advance, they can be set up at your death which allows the use of life insurance to fund the trust. The use of life insurance places these trusts within the reach of many people.


These trusts can last for hundreds of years, so it’s important to write them as carefully as possible. These trusts cannot be changed so they need to be carefully planned. Provisions to change trustees and end or split the trust should be included to allow future generations flexibility to deal with changing laws and situations.


The income from the trust can be paid to beneficiaries each year. In that case, the income is taxed based on each beneficiary’s tax bracket. Any income not distributed from the trust each year is taxed at the trust level where tax rates could be higher.


Dynasty trusts can benefit heirs in many ways. For instance, the trust could own personal residences or vacation homes for the heirs. This provides them a financial benefit, but since the properties are owned by the trust they are beyond the reach of the heirs creditors. This protects those assets for future generations.


If your own children don’t have a need for your assets and you want to pass them on to your grandkids and beyond, dynasty trusts allow you to do that without being subject to generation skipping taxes. If you don’t want to see your hard-earned wealth eaten away by Uncle Sam, a dynasty trust could be just the ticket. So even though you can’t take it with you, you can help provide for generations to come and even pass on some of your values as well.


An Estate Planning Attorney who has experience designing Dynasty Trusts should be consulted. He or she will be able to answer specific questions and help you decide if a Dynasty Trust is right for you.


Questions? Concerns? I’d be happy to provide clear, unbiased advice free of charge.


Mr. Voudrie is a Certified Financial Planner and the President of Legacy Planning Group, Inc., a Private Wealth Management firm in Johnson City, TN. For more information call 1-877-827-1463 or email jeff@guardingyourwealth.com.


Looking for an energetic expert who is passionate about financial and wealth management? Mr. Voudrie is an excellent speaker who will excite and inspire your audience. Mr. Voudrie is available for a limited number of speaking engagements, television appearances and radio talk shows. For booking information, contact Christine Lavender at (877) 827-1463 or email christine@guardingyourwealth.com.


Related Articles can be found at http://www.guardingyourwealth.com under the Guarding Your Wealth Article Archive:


When A Will Isn’t The Way


Don’t Leave Loved Ones In The Lurch


Surviving Your Estate


When The Battle Begins At Home


Signed, Sealed, Delivered


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Making Money on the Internet-- Cleveland Company Finds Niche in Search-Related Advertising & Signs Deal With eBay

(PRWEB) October 23, 2003

News Release


Contact: Tony Colan


Wholesale411.com


440.333.7809 x106


For Immediate Release


Making Money On the Internet:


Cleveland Company Finds Niche in Search-Related Advertising & Signs Deal With eBay


Wholesale411.com site gets more traffic than Dillards Department Store, National City Bank and Eaton Corporation*


Cleveland, Oh(PRWEB) October 13, 2003 – From a basement office in Cleveland, Oh., the owners of a Web site that helps wholesale goods buyers and sellers connect have attracted a following of the largest and most successful wholesale, liquidation and auction companies in the world. Ebay, Big Lots and Liquidation.com all have a presence on the site – and they pay for it.


Ed Harrison and Tony Colan started their Web site, http://www.wholesale411.com, in 2001 as a search engine providing robust results to anyone looking to buy goods in bulk. It has quickly turned into an online community for people interested in buying, selling and learning about the wholesale goods business. Most recently, the site has become a powerful search-related advertising tool for companies like eBay looking to pay for potential customers.


Paid-search advertising is quickly becoming the preferred method of online advertising and Mr. Harrison and Mr.Colan have capitalized on the trend. “We’ve had a positive cash flow from day one and we have no debt whatsoever in the company,” Mr. Colan says.


According to an article in Advertising Age magazine last week, “paid-search is rapidly emerging as a central muscle of the Internet advertising business. The category, currently dominated by Google and Overture Services, has grown nearly 50% to $ 1.6 billion this year, according to Jupiter Research, outpacing all other forms of online advertising. Overture bullishly estimates the market will hit $ 8 billion by 2008.


Simply put, marketers are flocking to the tool. Paid-search advertising refers to the process of linking the display of online ads to the individual searches executed by users at major search engine sites.”


With 15,000 unique visitors each day, auction giant eBay wanted a piece of the action at http://www.wholesale411.com. Ebay struck a deal with the site to deliver interested buyers to their auctions. If someone does a search for “wholesale apparel” at http://www.wholesale411.com and then clicks on the eBay listing, the searcher will be directed to the eBay wholesale apparel auctions.


EBay’s new marketing push, which includes sending e-mails to small retailers and placing print ads in wholesale trade publications is aimed at the Christmas shopping season. According to Karl Wiley, senior category manager of wholesale for eBay, wholesale revenue is up 465 percent over the last year, making it the fastest growing segment on eBay.


Revenue and Competition Growing for http://www.wholesale411.com


“We were the first pay-per-click search engine on the Internet in the wholesale category and now the competition is coming out of the woodwork,” Mr. Colan says. He and Mr. Harrison, who lives in Las Vegas, NV, stay in constant touch via a voice over IP line which allows them to use the Internet for phone quality communications at no charge.


In the next 30 days, the pair will announce a deal that will expose their site’s content to millions (instead of thousands) of new potential customers. They will also launch a new search engine platform that will offer advertisers more advanced tracking capabilities and faster speeds for searches.


Due to the growth and popularity of http://www.wholesale411.com, immediate plans for growth also include tripling server capacity and establishing a partner program that will allow other pertinent sites to sell advertising or distribute search results and get paid residual income.


The Web site, http://www.wholesale411.com is the flagship property owned by ALDnet media Group LLC, headquartered in Cleveland, Ohio. ALDnet Media Group LLC is a business-to-business Internet marketing and product distribution company, which owns or operates over 30 wholesale related domains, including http://www.wholesale.com, http://www.wholesaler.com, http://www.wholesalehub.com, http://www.wholesale4um.com and http://www.fishingsupply.com.


-END-


(For more information contact: Tony Colan at 440.333.7809 x106 or e-mail: tony@wholesale411.com.)


*According to http://www.alexa.com (amazon.com owned tracking service) wholesale411.com is the 3,985 most visited web site in the world.