Welcome to your new family!
BRAVO SUPERMARKET Joel , young owner of BRAVO Supermarkets on HWY 98 N ...stop by for some great sales and hot food!   Call us for more info on the license plate that will be helping to raise funds for scholarships!! 863-838-2084 | JUST DANCE ACADEMY  Ribbon Cutting Ceremony Look forward to seeing you all at S Kentucky / Lakeland FL July 5 at 6:30pm |
Say hello to your new Vice President Mr. Humberto Hernandez
Humberto Hernandez originally from Caguas Puerto Rico raised in Cleveland Ohio is an emerging young leader. His passion in technology, love of photography, a gift for vision and big picture planning contribute to his increasing success as an entrepreneur.
Being of Cuban and Puerto Rican descent, he quickly became a respected Photographer in the Hispanic market for weddings, quinceañeros and city sponsored Latin events in Cleveland Ohio. A passion for working with the Latin community he was on the Board of Directors for several organizations, including the city of Cleveland’s Hispanic Heritage Month and Julia De Burgos Cultural Arts Center and The official Photographer and videographer for the Miss Latina Cleveland Ohio. Currently Humberto lives in Lakeland Florida where he now brings his talent and professionalism to Polk County, President and owner of GlowPixs Photography & Media, which is the official photographer for the Miss Polk Latina 2013. Humberto maintains active involvement in several community service organizations. Currently, he is a consultant for El Club Hispano de Lakeland Festival and also part of the Downtown Lakeland ZombieFest Planning Committee.
"I believe in passing on our knowledge and educating our young latinos, guiding them so that we may promote an educated generation."
Welcome Humberto and we look forward a great collaboration! Ana Rivera
Being of Cuban and Puerto Rican descent, he quickly became a respected Photographer in the Hispanic market for weddings, quinceañeros and city sponsored Latin events in Cleveland Ohio. A passion for working with the Latin community he was on the Board of Directors for several organizations, including the city of Cleveland’s Hispanic Heritage Month and Julia De Burgos Cultural Arts Center and The official Photographer and videographer for the Miss Latina Cleveland Ohio. Currently Humberto lives in Lakeland Florida where he now brings his talent and professionalism to Polk County, President and owner of GlowPixs Photography & Media, which is the official photographer for the Miss Polk Latina 2013. Humberto maintains active involvement in several community service organizations. Currently, he is a consultant for El Club Hispano de Lakeland Festival and also part of the Downtown Lakeland ZombieFest Planning Committee.
"I believe in passing on our knowledge and educating our young latinos, guiding them so that we may promote an educated generation."
Welcome Humberto and we look forward a great collaboration! Ana Rivera
Thank you for your service to our exiting Vice President Rafael Torres..he will be extremely busy now with his music career.We wish him all the best!
This Sunday , July 7 is The Imperial Hair Show! Come and checkout the competition of top area barbers! $25 entry fee hurry and get your tickets!!
ObamaCare mandate pushed back to 2015 for businesses , but for an individual it is still slotted for 2014... read this article it is very interesting!
Low-skilled workers get raw deal with health plans under Obamacare
From The Detroit News: http://www.detroitnews.com/article/20130529/OPINION01/305290001#ixzz2Y2UN19VR
Would you like to have a “skinny” health insurance policy? Probably not. But if you’re employed by a large company, you may get one, thanks to Obamacare.
That’s the conclusion of Wall Street Journal reporters Christopher Weaver and Anna Wilde Mathews. They report that insurance brokers are pitching and selling “low-benefit” policies across the country.
You might be wondering what a “skinny” or “low-benefit” insurance plan is. The terms may vary, but the basic idea is that policies would cover preventive care, a limited number of doctor visits and perhaps generic drugs.
They wouldn’t cover things such as surgery, hospital stays or prenatal care. That sounds similar to an auto insurance policy that reimburses you when you change the oil but not when your car gets totaled.
You might ask how Obamacare could encourage the proliferation of such policies. It was sold as a way to provide more coverage for more people, after all.
And people were told they could keep the health insurance they had.
As Weaver and Mathews explain, Obamacare’s requirement that insurance policies include “essential” benefits such as mental health services apply only to small businesses with fewer than 50 employees.
But larger employers, they write, “need only cover preventive service, without a lifetime or annual dollar-value limit, in order to avoid the across-the-workforce penalty.” Low-benefit plans may cost an employer only $40 to $100 a month per employee. That’s less than the $2,000-per-employee penalty for providing no insurance.
‘’We wouldn’t have anticipated that there’d be demand for these type of Band-Aid plans in 2014,” the Journal quotes former White House health adviser Robert Kocher. “Our expectation was that employers would offer high-quality insurance.”
Oops. It turns out that Friedrich Hayek may have been right when he wrote that central planners would never have enough information to micromanage the economy.
It’s probably true that businesses trying to attract and retain high-skill employees for long-term positions have an economic incentive to offer generous and attractive health insurance. Otherwise they’d lose good people to competitors.
But the kind of businesses mentioned in the Journal story — restaurants, retailers, assisted-living chains — tend to employ lower-skill workers who typically work there only temporarily.
In a high-unemployment economy they may not need to offer gold-plated health insurance to get the workforce they need.
Such employers would have to pay a $3,000 penalty for each employee who buys insurance on Obamacare’s health insurance exchanges. But it seems likely that many workers, especially young ones, would opt not to pay the hefty premiums for that.
The problem here is that Obamacare’s architects seem to misunderstand the concept of insurance.
People buy insurance to pay for low-probability, high-cost and undesirable events. It doesn’t make sense to hold onto enough cash to replace your house if it burns when you can buy an insurance policy that will cover that unlikely disaster.
But Health and Human Services Secretary Kathleen Sebelius has a different idea of what insurance is.
In response to an American Society of Actuaries report that health insurance premiums would rise 32 percent under Obamacare, she said, “Some of these folks have very high catastrophic plans that don’t pay for anything unless you get hit by a bus.”
Her idea apparently is that insurance should pay for just about every health care procedure.
In her defense, the World War II decision to make the cost of health insurance deductible for employers and nontaxable for employees has moved things in that direction. Many people have come to expect that.
But as the Daily Beast’s Megan McArdle commented, “Coverage of routine, predictable services is not insurance at all; it’s a spectacularly inefficient prepayment plan.”
Some Obamacare architects, including its namesake, want to move toward a single-payer system in which government would pay all health care costs.
Many Obamacare opponents want a bigger role for markets, allowing consumers to choose insurance that covers catastrophes and paying for routine costs with tax-free (and in some cases subsidized) dollars.
But if large numbers of employees are enrolled in “skinny” health insurance plans, as the Wall Street Journal article suggests, Obamacare will have produced an unanticipated outcome no one wants.
People stuck with these policies will have insurance that pays for the equivalent of oil changes (up to six a year!) but not for the equivalent of wrecked car. Just the opposite of real insurance.
From The Detroit News: http://www.detroitnews.com/article/20130529/OPINION01/305290001#ixzz2Y2UAdrDp
That’s the conclusion of Wall Street Journal reporters Christopher Weaver and Anna Wilde Mathews. They report that insurance brokers are pitching and selling “low-benefit” policies across the country.
You might be wondering what a “skinny” or “low-benefit” insurance plan is. The terms may vary, but the basic idea is that policies would cover preventive care, a limited number of doctor visits and perhaps generic drugs.
They wouldn’t cover things such as surgery, hospital stays or prenatal care. That sounds similar to an auto insurance policy that reimburses you when you change the oil but not when your car gets totaled.
You might ask how Obamacare could encourage the proliferation of such policies. It was sold as a way to provide more coverage for more people, after all.
And people were told they could keep the health insurance they had.
As Weaver and Mathews explain, Obamacare’s requirement that insurance policies include “essential” benefits such as mental health services apply only to small businesses with fewer than 50 employees.
But larger employers, they write, “need only cover preventive service, without a lifetime or annual dollar-value limit, in order to avoid the across-the-workforce penalty.” Low-benefit plans may cost an employer only $40 to $100 a month per employee. That’s less than the $2,000-per-employee penalty for providing no insurance.
‘’We wouldn’t have anticipated that there’d be demand for these type of Band-Aid plans in 2014,” the Journal quotes former White House health adviser Robert Kocher. “Our expectation was that employers would offer high-quality insurance.”
Oops. It turns out that Friedrich Hayek may have been right when he wrote that central planners would never have enough information to micromanage the economy.
It’s probably true that businesses trying to attract and retain high-skill employees for long-term positions have an economic incentive to offer generous and attractive health insurance. Otherwise they’d lose good people to competitors.
But the kind of businesses mentioned in the Journal story — restaurants, retailers, assisted-living chains — tend to employ lower-skill workers who typically work there only temporarily.
In a high-unemployment economy they may not need to offer gold-plated health insurance to get the workforce they need.
Such employers would have to pay a $3,000 penalty for each employee who buys insurance on Obamacare’s health insurance exchanges. But it seems likely that many workers, especially young ones, would opt not to pay the hefty premiums for that.
The problem here is that Obamacare’s architects seem to misunderstand the concept of insurance.
People buy insurance to pay for low-probability, high-cost and undesirable events. It doesn’t make sense to hold onto enough cash to replace your house if it burns when you can buy an insurance policy that will cover that unlikely disaster.
But Health and Human Services Secretary Kathleen Sebelius has a different idea of what insurance is.
In response to an American Society of Actuaries report that health insurance premiums would rise 32 percent under Obamacare, she said, “Some of these folks have very high catastrophic plans that don’t pay for anything unless you get hit by a bus.”
Her idea apparently is that insurance should pay for just about every health care procedure.
In her defense, the World War II decision to make the cost of health insurance deductible for employers and nontaxable for employees has moved things in that direction. Many people have come to expect that.
But as the Daily Beast’s Megan McArdle commented, “Coverage of routine, predictable services is not insurance at all; it’s a spectacularly inefficient prepayment plan.”
Some Obamacare architects, including its namesake, want to move toward a single-payer system in which government would pay all health care costs.
Many Obamacare opponents want a bigger role for markets, allowing consumers to choose insurance that covers catastrophes and paying for routine costs with tax-free (and in some cases subsidized) dollars.
But if large numbers of employees are enrolled in “skinny” health insurance plans, as the Wall Street Journal article suggests, Obamacare will have produced an unanticipated outcome no one wants.
People stuck with these policies will have insurance that pays for the equivalent of oil changes (up to six a year!) but not for the equivalent of wrecked car. Just the opposite of real insurance.
From The Detroit News: http://www.detroitnews.com/article/20130529/OPINION01/305290001#ixzz2Y2UAdrDp
Christmas in JULY!! Signup for CAREER DAY and PR/Hispanic Business Convention
 Are you an employer for local talent for your company or business? Then signup for this one of a kind JOB FAIR! Career Day - AUG 12th From 9AM to 1PM Lakeland Public Library Tables 415 members / $25 Non Members |   Fundraising game for Autism Speaks More info coming soon!! Date of event AUG 31 Tampa Yankees vs. Flying Tigers |  Basic exhibitors level is $250 includes the following: Exhibitors Table Sept 5-6 Networking Meet & Greet 9/5 All 4 conferences plus One Year Bronze PR/HCCPC Membership Call me for more information! |
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