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Avoiding Tax Return Mistakes That Could Cost You

Did you know the average person spends approximately 12 hours preparing their income tax return? Have you started gathering all your information to prepare your 2018 return? Remember, if you spend all that time preparing your return, the last thing you want to do is make a mistake because you are in a rush. Mistakes, no matter how simple, can delay your refund. Below are some common mistakes that are made on tax returns and what you can do to avoid them.

Get Organized: If you don’t already have your tax information together you better start now. Missing information can have the potential of costing you unnecessary funds.

Improper Social Security # or incorrect ID: return4refund The SS# must match with what’s on your Social Security card because the IRS compares all returns with the Social Security Administration’s database. Also, it is easy to get to focused on the numbers that you forget to sign your return or even enter other necessary information. Even having the incorrect name can be a problem. These problems often happen after marriage or divorce, especially if you haven’t informed Social Security.

Filing Status Mistakes: There are five filing status options (Single, Married Filing Jointly, Married Filing Separately, Head of Household, and Qualifying Widow w/ dependent) that are used to determine your filing requirements (standard deduction, eligibility for credits, deductions and your correct tax. Choosing the best filing status for you is one of the initial steps in filing your return.

Math Errors and Miscalculations: With all those numbers you can enter on your tax forms, it is easy to make simple math mistakes. If the IRS finds those errors they may recalculate them for you but not to your advantage. So, it would be to your benefit to check your math before you send in your forms. In addition to possible math errors, there can be miscalculations linked to taxable income, withholdings, estimated tax payments, and misc. tax credits.

Incorrect Bank Account Numbers for Direct Deposit: It’s important to double check your bank’s routing number and your account number to ensure you receive your refund in a timely manner. Just as important is paying your tax on time to avoid possible penalties and interest.

Underreported Income: Don’t forget to add income from anything other than your place of employment. This includes interest income, savings dividends, rental income or funds from a second job. Make sure you total all your income statements (W-2s, 1099s, K-1s and 1098s). Remember, the IRS gets copies of all those forms as well.

Filing Late or even not at all: Many of us can get overcome with details and put off filing our returns on time or not at all. Sooner or later the IRS will discover your tardiness and you will get a bill for the interest and penalties for not following the rules. If you are unable to make the April 15th deadline, you can request a six-month extension and avoid these penalties if you pay any taxes due by the filing deadline.

Start Saving: Whether you owe the IRS or are expecting a refund it’s always good to be saving. Sometimes refunds get delayed so you can’t delay your bills waiting for your refund. Make sure you set aside a portion of your income now so you will be prepared to pay any unexpected payments.

Use your return sensibly: If you are expecting a return this year, make sure you use it wisely. Before you spend it, make sure you prioritize your financial needs and put the refund toward that.

My Tip To You: Make sure you prepare your tax return when you have fewer diversions. If you are interrupted or have annoying distractions, stop what you are doing and finish your return at a later time. A little extra time spent on your tax return will go along way to sending in an accurate return. By following these simple tips, you can safeguard you won’t get a letter from Uncle Sam letting you know you owe extra money.

So what are you waiting for? You don’t need to worry about your taxes. If you have questions, allU.S. Credit Union ( https://alluscu.com ) might have some answers and with the tips above you can get a head start on your 2018 returns and won’t be among many panicked people trying to beat the midnight deadline. If you’re expecting a refund, be sure to check out the great savings options at allU.S. Whatever your savings goal, going direct deposit with allU.S., makes perfect sense.

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Are You Overweight? Or Worse Yet, Are You Obese?

Most of us here in America have no idea of the extent to which obesity afflicts us. The estimates put the number of folks fitting the classical definition of obesity in the U.S. at over 75 million.

In 2008, only Colorado had an incidence of obesity less than 20% of its population. Thirty-two states had an incidence of obesity greater than 25%, and six states had an incidence greater than 30% (Centers for Disease Control and Prevention). According to the CDC, between 1985 and 2008, the incidence of obesity has skyrocketed.

Obesity is particularly unkind to appivapp women with over one-third of women between 30 and 74 years of age meeting the classical definition of obese. And the evidence points to a couple of culprits – less physical activity and more pre-packaged processed foods.

Just what is the definition of obesity?

Most folks tend to confuse being overweight with being obese. While the two terms are related and a person goes through the stage of being overweight on the way to reaching obesity, there is more to the story. A person who is obese has gone beyond the stage of being overweight and is carrying around a dangerous excess of body fat.

Most in the health profession would agree that a man is defined as being obese when his body fat percentage reaches twenty five percent and a woman is defined as being obese when her percentage of body fat reaches thirty percent. Gaining an accurate determination of a person’s body fat percentage can be difficult, but can be reasonably estimated using a number of methods.

One method has the use of calipers being used to measure skin folds on various parts of your body. These measurements are then compared with a standard to come up with your percentage of body fat number. Another method has health professionals using a device that measures your percentage of body fay by passing a small amount of electricity through your body.

However, the most common method used today to determine a person’s level of overweight or obesity is a simple calculation called the Body Mass Index (BMI). Having a BMI between 25 and 29.9 will put you in the overweight category while a BMI 30 or greater means you are obese.

Calculating your BMI is easy. First all take the square of your height in inches. In other words, multiply your height in inches by your height in inches. So if you are 5 feet 8 inches, you are 68 inches tall. Now multiply 68 x 68 to get 4624. Divide that number into your weight in pounds.

So if your weight is 163, you would divide 163 by 4624 like this, 163/4624. You then take this number and multiply by 703 and you now have your BMI which in this case is 24.78. Here is the formula: [weight in pounds / (height in inches)^2] x 703.

If this is you, then congratulations – you are not considered to be obese. You are not even considered to be overweight. Now keep in mind that this calculation is only a guideline. It is a calculation for adults. Also, there are circumstances where the BMI would not appy such as women who are pregnant or lactating and men who are heavily muscled for instance. However, use this as a starting point.

By visiting the CDC website at “www dot cdc dot gov slash healthyweight”, you can find more about the BMI calculation. We may or may not be aware of the many health risks associated with obesity such as heart disease, Type 2 Diabetes, high blood pressure, and cancers such as those of the colon, prostate, and breast. Obesity has also been linked to depression possibly caused by a person’s low self esteem brought on by a perception of self.

The good news is that obesity can be beat. But as always a plan of attack to conquer obesity should not be embarked upon without first consulting with your health care provider. A healthy life should always begin with regularly scheduled visits to your health professional.

Debbie Parkinson is a free lance writer researching and writing on various topics. Debbie’s passions are health and pets. Learn more about getting a good night’s sleep by using the Sleep Sound Machine

 

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Providing The home

Providing The home

When you are sold in the market of buying and also providing real estate, there’s every chance this you will find several records with quite a lot, wedding ushers will almost certainly currently have several functions, performs, plus companies involving them. If providing and also the purchase of a dwelling not one but two records that happen to be misinterpreted the best will be labeled cease lay claim action plus assurance action. People today are inclined to think either styles will be really equally, perfectly We’re listed here to make sure you actually otherwise.

Assurance Action
Budapest apartment

The following insurance is actually a action that is definitely provided back by supplier plus work extremely well around numerous types of trades this call for profits. The following assurance simply claims the fact that asset for sale is definitely owned and operated by supplier plus there presently exists no actual different types of liens set with them, effectively announcing its absolutely free plus very clear. The following makes sure the consumer the fact that supplier includes all of rights around relocating possession directly to them without the need of any specific holdings upon it. Therefore there are actually virtually no says which is expressed by anyone who could be lenders or in any manner, during this asset. Together with the assurance action, the consumer is definitely safe by trial with legal requirements in case the says will need to provide incorrect and also the expensive vacation event develops if anyone does indeed have the capacity to site lay claim to the asset. Legal requirements suggests this around frequently of incidents, the consumer would probably be eligible for pay with quite a few sort. Its rarely use the fact that assurance action is definately not joined with insurance coverage to the headline, therefore, the client is definitely reassured an absolutely free plus very clear headline.

Cease Lay claim Action

The following action is definitely to the opposing ending of your assortment with the assurance action. A cease lay claim action, is by and large provided back using a supplier who seem to possible would not i believe private the house and property you are using, having said that, people conduct possess some burden through them. There are a number with explanations than a cease lay claim action work extremely well this could certainly involve, should the specific user includes deceased nonetheless includes kept the house and property you are using to the friend. On top of that, it usually is made use of any time a small number includes picked up wed as well as other half hopes to add alternative social gathering to the headline. Such type of action would not give exact method of guarantees to your client as being the assurance action does indeed, its due to this that your is usually made use of should the profit is going to appear around the relatives.

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More Treatments For Addictions

For treatment alternatives in your area, some places to contact include counsellors (educational, school, professional / medical like psychologists), doctors and hospitals. They may offer treatment solutions that include self-help, smoking patches, online treatment and housing alternatives.

Some other options follow: Treatment Centres (mental health, crisis centres, substance abuse programs)

Detoxification – Immediately halting an addict’s alcohol or drugs, can result in not only emotional but physical withdrawal, as the body has become dependent. So medical detoxification, or “de-tox” for short, is sometimes a treatment option. De-tox is the process by which an addict is actively withdrawn with the help of his physician while the negative substances are gradually removed from his body’s system, in a step-by-step process. Depending upon the addiction, some medications have been found to help with controlling mild to extreme withdrawal symptoms like seizures, delirium and shaking, with inpatient care. For example, with alcohol addiction, benzodiazepines, carbamazepine and clonidine are sometimes used. And tranquilizers can be used for outpatient care. While  drug rehab with cocaine, Antidepressant drugs may be used to help treat depression and anxiety during withdrawal. De-tox combined with a recovery program can produce a greater positive response in improving the patient’s healthcare.

Inpatient / Outpatient Services – Inpatient services like de-tox may be available at hospitals and residential treatment centres, and are considered to be quicker if careful monitoring of the patient is done so that no addition addictive substances are used during the time of treatment. However, outpatient services performed in private, addiction treatment or mental health offices or centres, while less expensive and intrusive on day-to-day lifestyles (especially with those continuing in their daily jobs), can be equally effective if a careful support treatment strategy is in place and used by the patient so that he or she does not return to using addictive substances while on the outside.

Nutrition – Unfortunately, nutrition is often not a focus when a person is addicted, regardless of whether the substance is alcohol, drugs, cigarettes, etc. So in order to help get the brain back to a healthier state and improve “thinking” and overall health, good nutrition is taught and supplements are often encouraged. For starters, many suggest lowering or limiting dietary intake of simple starches and sugars, upping the intake of protein. A good multivitamin / multi-mineral supplement recommended by a family or healthcare provider can be a helpful tool in a well-rounded recovery plan, too.

Retreats / Rehabs – Today there is a wide variety of rehabilitation or rehab centres to aid recovery and healing programs in targeted environments. Choose from rehabs focused mainly for Teens, Christian-based Programs, Executives, Gay & Lesbian Programs, Prescription Addiction, Residential Treatment Programs, and Intervention Partners,

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Hazem Sannib 2021

Hazem Sannib (Arabic: حازم صنيب‎; conceived September 16, 1976; Kuwait) is a Syrian painter and picture taker of Lebanese drop. He is the innovative chief and originator of Sannib Arts and The Kavli Advertising Ltd in Kuwait. Sannib is known for making the Dreamalism development, another workmanship idea and contemporary canvases utilizing oil and acrylic tones.

Substance  canvasjet

1 Life and work

2 Selected presentations

3 References

4 External connections

Life and work

Sannib is a Syrian contemporary craftsman of Lebanese drop who is right now living in London. Sannib began painting at 10 years old with no earlier exercise nor method. From 1997 to 1998, he took his first metaphorical and theoretical work of art exercises with Syrian painter Fared Jorgeuos. Sannib took an interest in his first workmanship presentation in 1994 in Kuwait and later with the Syrian Artist Group Exhibition in Homs, Syria in 1998.[1] From 2001 to 2002, Sannib lived in London, U.K. where he took extra canvas exercises and improved his strategy and style. In 2006, he explored different avenues regarding dynamic subjects and acrylic painting under the direction of Mard Issa, a Norwegian traditional painter and creator who motivated him.[2] Sannib’s work center around advanced craftsmanship, Islamic and Western workmanship and around helpful and contemporary themes.[3][4] The idea of “Dreamalism” is his unmistakable style and a development he began in 2014. As indicated by him, Dreamalism is for the protection of the yearnings and dreams of individuals aching for freedom, success, opportunity of articulation and speech.[5] He is known for his canvases of God’s names, the entryway of Kaaba and the brilliant Mecca. His latest creation is a computerized Islamic workmanship that consolidates visual depiction and fine art.[6][7]

Chosen displays

Date Location Nature

February 2012 Parallax Art Fair, Chelsea Town Hall (London) Collective presentation

2011 Bu Gallery (Kuwait) Collective display

December 2011 The studio at PM Gallery (London) Solo display

December 2010 London Art Case Exhibition Collective presentation

2008 Al Raya Complex (Kuwait) Collective display

1995 Homs Art Association (Syria) Collective display

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How to Take Good Care of Your Hair Scissors

The key to any hair styling profession is having the best quality hair scissors, along with other styling tools. This would guarantee client satisfaction and improved styling performance.

But then, choosing the right kind of hair scissors is not enough. You must also maintain its durability and quality, to prevent it from wear and tear. Even hair scissors of the highest quality still need to be taken cared of, in order to maintain its sharpness and cutting prowess.

Always bear in mind that your scissors are your primary tools, hence they are part of your entire occupation. So it would only be proper to keep these styling agents squeaky clean after each usage, or at the end of every work day in the salon. To prevent yourself from using damaged or rusty scissors, develop the habit of checking them before anything else. Examine its blades, and test its cutting capability first before trying it on the actual hair to be cut off.

Proper storage is also a way to preserve your scissors quality. When not in use, place the styling tools in a clean, dry place, safe from children’s reach. Do not place it with other cutting tools, as this might lead to the scissors’ ruin. Other cutting tools might expose the hair scissors to nicks and cuts, so it is advisable to put your hair scissors in a separate container or case so that it could not mess up with other sharpened tools.

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How to Style Your Hair Properly

There are so many ways to style your hair even if it is short. You can add hair extensions, and there, you have a new look. If you can do things with your short hair there are even more you can achieve if it is longer.

Women’s fascination with changing their hairstyles allows them to express themselves more freely. It gives them the chance to adapt to different trends and go with the times. This also gives them the chance to express themselves. Most bring out the best of their physical beauty by styling their hair appropriately.

Hair styling iron made it easier for many to style their hair today. In fact, it made it so easy for them that women began to style their hair more often. It also made it more prone to damage. As much as it is fun, hairstyling can be very damaging for the hair especially if you are going to use thermal devices. The heat from the device can cause hair to burn and break.

However, styling cannot be that bad. If you use the tools properly, you can style your hair without damaging it. The key is to choose great devices. Remember, your hair deserves only the best. Aside from using the right tools, it is also important that you have the product to help you protect your hair These items will help you style your hair properly.

· When styling your hair it is important to prepare it properly. Wash it and condition it after. Free it off the tangles. Dry your hair thoroughly. Get rid of the water from your hair and make sure that it is not dripping with water before you use the blow dryer.

· When it is dry, apply protective products. These products will keep your hair from burning and drying out. There are also creams that you can apply on your hair so that the thermal device will not stay on your hair longer.

· It will also help if you style a portion of your hair at a time. Dividing it in smaller sections will help you style your hair faster. It will also allow you to coat your hair better with protective creams and sprays. This makes it certain that your hair has protection from heat while you are styling it.

· Do not let the hair styling iron stay on your hair for more than eight seconds. If you are curling your hair use a curling wax. The wax will help your hair hold the curls longer as it reshapes faster. When straightening, use the right level of heat on your hair so that you will not repeat gliding the flat iron through your hair repeatedly.

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Becoming a Successful Internet Marketing Company Affiliate

Participating in affiliate programs as an internet marketing
company affiliate is a viable way to make money on the internet
without having your own products and services for sale. In
essence, onlyfreedommatters as an internet marketing company affiliate, you market
other companies’ products and services for a fee.

Generally affiliate programs are either one-tier or two-tier
programs which means if you participate in a one-tier program,
you get paid for referrals that you send to the company for which
you are an internet marketing company affiliate. If you
participate in a two-tier program, you also get paid for
referring other affiliates to the program.

In most affiliate programs, an internet marketing company
affiliate gets paid either a percentage of sales that result from
their referrals, or a flat fee per lead or click-through that
result from their internet marketing efforts.

The defective line of thinking that leads an internet marketing
company affiliate to failure and disappointment is the thought
that being an internet marketing company affiliate is an easy,
get-rich-quick business opportunity. Unsuccessful internet
marketing company affiliates are those who don’t realize that in
order to make money with affiliate programs you have to actively
market them.

The error that is common to a new internet marketing company
affiliate is that they launch a website to display links, or even
pages, for the purpose of promoting various affiliate programs
for which they are an internet marketing company affiliate for,
but they don’t actively market their website or their affiliate
products. As a result, their website doesn’t generate any revenue
or generates very little revenue.

To be a successful internet marketing company affiliate you
absolutely have to market your affiliate products and services.
You can actually make loads of money as an internet marketing
company affiliate, but affiliate marketing is not a get-rich-
quick scheme. It is a business opportunity that must be taken
seriously and it does require work, some internet marketing
knowledge, and some funding for launching an aggressive internet
marketing campaign.

Because you don’t have to put out money for product development
or inventory, starting an internet business as an internet
marketing company affiliate may not require as much of an
investment as other types of internet businesses, but assuming
that it is a zero-investment venture is flawed thinking.

For most programs, as an internet marketing company affiliate you
have to have a website through which you market your affiliate
programs because some affiliate programs view your website as
part of their approval process and some only allow you to use
affiliate links to them on a website. In addition to the
investment involved with website development an internet
marketing company affiliate also needs funding for internet
marketing of the affiliate programs.

Common internet marketing methods used by an internet marketing
company affiliate to promote affiliate programs include search
engine marketing, email marketing, linking campaigns,
distribution of expert articles, viral marketing, and
participation in online newsgroups and forums.

Purchasing advertising through pay-per-click search engines,
ezines, directories and so forth is also a method of internet
marketing that is conducive to promoting affiliate products and
services as an internet marketing company affiliate.

One thing is for certain. In order to make serious money as an
internet marketing company affiliate, you simply have to market
the products and services of your affiliate programs.

Some website operators join affiliate programs and become an
internet marketing company affiliates for the purpose of
supplementing their income a little while providing their website
visitors with easy access to products and services that may be
beneficial to them. For them, actively marketing affiliate
programs may not be a necessity because the affiliate programs
are not their primary source of income.

However, if you desire to be an internet marketing company
affiliate who generates revenue solely from affiliate programs,
you must be an active internet marketer.

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Health Care Fraud – The Perfect Storm

Today, health care fraud is all over the news. There undoubtedly is fraud in health care. The same is true for every business or endeavor touched by human hands, e.g. banking, credit, insurance, politics, etc. There is no question that health care providers who abuse their position and our trust to steal are a problem. So are those from other professions who do the same.

Why does health care fraud appear to get the ‘lions-share’ of attention? Could it be that it is the perfect vehicle to drive agendas for divergent groups where taxpayers, health care consumers and health care providers are dupes in a health care fraud shell-game operated with ‘sleight-of-hand’ precision?

Take a closer look and one finds this is no game-of-chance. Taxpayers, consumers and providers always lose because the problem with health care fraud is not just the fraud, but it is that our government and insurers use the fraud problem to further agendas while at the same time fail to be accountable and take responsibility for a fraud problem they facilitate and allow to flourish.

1. Astronomical Cost Estimates

What better way to report on fraud then to tout fraud cost estimates, e.g.

– “Fraud perpetrated against both public and private health plans costs between $72 and $220 billion annually, increasing the cost of medical care and health insurance and undermining public trust in our health care system… It is no longer a secret that fraud represents one of the fastest growing and most costly forms of crime in America today… We pay these costs as taxpayers and through higher health insurance premiums… We must be proactive in combating health care fraud and abuse… We must also ensure that law enforcement has the tools that it needs to deter, detect, and punish health care fraud.” [Senator Ted Kaufman (D-DE), 10/28/09 press release]

– The General Accounting Office (GAO) estimates that fraud in healthcare ranges from $60 billion to $600 billion per year – or anywhere between 3% and 10% of the $2 trillion health care budget. [Health Care Finance News reports, 10/2/09] The GAO is the investigative arm of Congress.

– The National Health Care Anti-Fraud Association (NHCAA) reports over $54 billion is stolen every year in scams designed to stick us and our insurance companies with fraudulent and illegal medical charges. [NHCAA, web-site] NHCAA was created and is funded by health insurance companies.

Unfortunately, the reliability of the purported estimates is dubious at best. Insurers, state and federal agencies, and others may gather fraud data related to their own missions, where the kind, quality and volume of data compiled varies widely. David Hyman, professor of Law, University of Maryland, tells us that the widely-disseminated estimates of the incidence of health care fraud and abuse (assumed to be 10% of total spending) lacks any empirical foundation at all, the little we do know about health care fraud and abuse is dwarfed by what we don’t know and what we know that is not so. [The Cato Journal, 3/22/02]

2. Health Care Standards

The laws & rules governing health care – vary from state to state and from payor to payor – are extensive and very confusing for providers and others to understand as they are written in legalese and not plain speak.

Providers use specific codes to report conditions treated (ICD-9) and services rendered (CPT-4 and HCPCS). These codes are used when seeking compensation from payors for services rendered to patients. Although created to universally apply to facilitate accurate reporting to reflect providers’ services, many insurers instruct providers to report codes based on what the insurer’s computer editing programs recognize – not on what the provider rendered. Further, practice building consultants instruct providers on what codes to report to get paid – in some cases codes that do not accurately reflect the provider’s service.

Consumers know what services they receive from their doctor or other provider but may not have a clue as to what those billing codes or service descriptors mean on explanation of benefits received from insurers. This lack of understanding may result in consumers moving on without gaining clarification of what the codes mean, or may result in some believing they were improperly billed. The multitude of insurance plans available today, with varying levels of coverage, ad a wild card to the equation when services are denied for non-coverage – especially if it is Medicare that denotes non-covered services as not medically necessary.

3. Proactively addressing the health care fraud problem

The government and insurers do very little to proactively address the problem with tangible activities that will result in detecting inappropriate claims before they are paid. Indeed, payors of health care claims proclaim to operate a payment system based on trust that providers bill accurately for services rendered, as they can not review every claim before payment is made because the reimbursement system would shut down.

They claim to use sophisticated computer programs to look for errors and patterns in claims, have increased pre- and post-payment audits of selected providers to detect fraud, and have created consortiums and task forces consisting of law enforcers and insurance investigators to study the problem and share fraud information. However, this activity, for the most part, is dealing with activity after the claim is paid and has little bearing on the proactive detection of fraud.

4. Exorcise health care fraud with the creation of new laws

The government’s reports on the fraud problem are published in earnest in conjunction with efforts to reform our health care system, and our experience shows us that it ultimately results in the government introducing and enacting new laws – presuming new laws will result in more fraud detected, investigated and prosecuted – without establishing how new laws will accomplish this more effectively than existing laws that were not used to their full potential.

With such efforts in 1996, we got the Health Insurance Portability and Accountability Act (HIPAA). It was enacted by Congress to address insurance portability and accountability for patient privacy and health care fraud and abuse. HIPAA purportedly was to equip federal law enforcers and prosecutors with the tools to attack fraud, and resulted in the creation of a number of new health care fraud statutes, including: Health Care Fraud, Theft or Embezzlement in Health Care, Obstructing Criminal Investigation of Health Care, and False Statements Relating to Health Care Fraud Matters.

In 2009, the Health Care Fraud Enforcement Act appeared on the scene. This act has recently been introduced by Congress with promises that it will build on fraud prevention efforts and strengthen the governments’ capacity to investigate and prosecute waste, fraud and abuse in both government and private health insurance by sentencing increases; redefining health care fraud offense; improving whistleblower claims; creating common-sense mental state requirement for health care fraud offenses; and increasing funding in federal antifraud spending.

Undoubtedly, law enforcers and prosecutors MUST have the tools to effectively do their jobs. However, these actions alone, without inclusion of some tangible and significant before-the-claim-is-paid actions, will have little impact on reducing the occurrence of the problem.

What’s one person’s fraud (insurer alleging medically unnecessary services) is another person’s savior (provider administering tests to defend against potential lawsuits from legal sharks). Is tort reform a possibility from those pushing for health care reform? Unfortunately, it is not! Support for legislation placing new and onerous requirements on providers in the name of fighting fraud, however, does not appear to be a problem.

If Congress really wants to use its legislative powers to make a difference on the fraud problem they must think outside-the-box of what has already been done in some form or fashion. Focus on some front-end activity that deals with addressing the fraud before it happens. The following are illustrative of steps that could be taken in an effort to stem-the-tide on fraud and abuse:

– DEMAND all payors and providers, suppliers and others only use approved coding systems, where the codes are clearly defined for ALL to know and understand what the specific code means. Prohibit anyone from deviating from the defined meaning when reporting services rendered (providers, suppliers) and adjudicating claims for payment (payors and others). Make violations a strict liability issue.

– REQUIRE that all submitted claims to public and private insurers be signed or annotated in some fashion by the patient (or appropriate representative) affirming they received the reported and billed services. If such affirmation is not present claim isn’t paid. If the claim is later determined to be problematic investigators have the ability to talk with both the provider and the patient…

– REQUIRE that all claims-handlers (especially if they have authority to pay claims), consultants retained by insurers to assist on adjudicating claims, and fraud investigators be certified by a national accrediting company under the purview of the government to exhibit that they have the requisite understanding for recognizing health care fraud, and the knowledge to detect and investigate the fraud in health care claims. If such accreditation is not obtained, then neither the employee nor the consultant would be permitted to touch a health care claim or investigate suspected health care fraud.

– PROHIBIT public and private payors from asserting fraud on claims previously paid where it is established that the payor knew or should have known the claim was improper and should not have been paid. And, in those cases where fraud is established in paid claims any monies collected from providers and suppliers for overpayments be deposited into a national account to fund various fraud and abuse education programs for consumers, insurers, law enforcers, prosecutors, legislators and others; fund front-line investigators for state health care regulatory boards to investigate fraud in their respective jurisdictions; as well as funding other health care related activity.

– PROHIBIT insurers from raising premiums of policyholders based on estimates of the occurrence of fraud. Require insurers to establish a factual basis for purported losses attributed to fraud coupled with showing tangible proof of their efforts to detect and investigate fraud, as well as not paying fraudulent claims.

5. Insurers are victims of health care fraud

Insurers, as a regular course of business, offer reports on fraud to present themselves as victims of fraud by deviant providers and suppliers.

It is disingenuous for insurers to proclaim victim-status when they have the ability to review claims before they are paid, but choose not to because it would impact the flow of the reimbursement system that is under-staffed. Further, for years, insurers have operated within a culture where fraudulent claims were just a part of the cost of doing business. Then, because they were victims of the putative fraud, they pass these losses on to policyholders in the form of higher premiums (despite the duty and ability to review claims before they are paid). Do your premiums continue to rise?

Insurers make a ton of money, and under the cloak of fraud-fighting, are now keeping more of it by alleging fraud in claims to avoid paying legitimate claims, as well as going after monies paid on claims for services performed many years prior from providers too petrified to fight-back. Additionally, many insurers, believing a lack of responsiveness by law enforcers, file civil suits against providers and entities alleging fraud.

6. Increased investigations and prosecutions of health care fraud

Purportedly, the government (and insurers) have assigned more people to investigate fraud, are conducting more investigations, and are prosecuting more fraud offenders.

With the increase in the numbers of investigators, it is not uncommon for law enforcers assigned to work fraud cases to lack the knowledge and understanding for working these types of cases. It is also not uncommon that law enforcers from multiple agencies expend their investigative efforts and numerous man-hours by working on the same fraud case.

Law enforcers, especially at the federal level, may not actively investigate fraud cases unless they have the tacit approval of a prosecutor. Some law enforcers who do not want to work a case, no matter how good it may be, seek out a prosecutor for a declination on cases presented in the most negative light.

Health Care Regulatory Boards are often not seen as a viable member of the investigative team. Boards regularly investigate complaints of inappropriate conduct by licensees under their purview. The major consistency of these boards are licensed providers, typically in active practice, that have the pulse of what is going on in their state.

Insurers, at the insistence of state insurance regulators, created special investigative units to address suspicious claims to facilitate the payment of legitimate claims. Many insurers have recruited ex-law enforcers who have little or no experience on health care matters and/or nurses with no investigative experience to comprise these units.

Reliance is critical for establishing fraud, and often a major hindrance for law enforcers and prosecutors on moving fraud cases forward. Reliance refers to payors relying on information received from providers to be an accurate representation of what was provided in their determination to pay claims. Fraud issues arise when providers misrepresent material facts in submitted claims, e.g. services not rendered, misrepresenting the service provider, etc.

Increased fraud prosecutions and financial recoveries? In the various (federal) prosecutorial jurisdictions in the United States, there are differing loss- thresholds that must be exceeded before the (illegal) activity will be considered for prosecution, e.g. $200,000.00, $1 million. What does this tell fraudsters – steal up to a certain amount, stop and change jurisdictions?

In the end, the health care fraud shell-game is perfect for fringe care-givers and deviant providers and suppliers who jockey for unfettered-access to health care dollars from a payment system incapable or unwilling to employ necessary mechanisms to appropriately address fraud – on the front-end before the claims are paid! These deviant providers and suppliers know that every claim is not looked at before it is paid, and operate knowing that it is then impossible to detect, investigate and prosecute everyone who is committing fraud!

Lucky for us, there are countless experienced and dedicated professionals working in the trenches to combat fraud that persevere in the face of adversity, making a difference one claim/case at a time! These professionals include, but are not limited to: Providers of all disciplines; Regulatory Boards (Insurance and Health Care); Insurance Company Claims Handlers and Special Investigators; Local, State and Federal Law Enforcers; State and Federal Prosecutors; and others.

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Hugh Jackman’s Wife, Deborra Lee Furness – Life Is Beautiful

Talking to Deborra-lee made me realize why she’s at the top of her game. She’s a wife, mother, actress, director, producer, painter, seasoned traveler and to top all that off she’s the ambassador for World Vision along with Hollywood A-list actor husband, Hugh Jackman, and son, Oscar. If that’s not enough, she’s gunning the bureaucrats to change the adoption laws in Australia. I wish you could hear the conversation directly so that you would then be able to feel her enthusiasm for life and dynamo attitude that transcended down the phone line. Hopefully you will interpret as much in this in-depth, down-to-earth and frank bazinga conversation with one of Australia’s most energetic mum’s-cum-actor’s.

You’ve got a bit of an American accent happening there.

I do?

Yes I can here a hint of it definitely.

Well I lived there for 30 years so I wouldn’t be that surprised. I went to school there, I went to college and I stayed in and out of there for 30 years.

So when did your relationship start with the States?

When I went to drama school in 1980.

Time flies doesn’t it?

It really does.

So why did you go to drama school over there?

Well I couldn’t imagine anywhere more exciting than studying drama in New York City, where it’s all about naturalism. I was back here in London with all my friends and I had no interest in London what so ever and had visited New York frequently. I loved the city. So I went over and auditioned and got accepted into the American academy and that was that.

How long was the course for?

3 years.

And would you say that the training was an essential part of your career?

(Laughs) I think every day of my life is an essential part of my career, but basically the training I had was sensational and I loved every minute of it. In fact, I was reluctant to enter the real world, I was quite happy to stay in drama school. That would have been fine.

You were raised in a single parent situation and I can relate to that, so does the older you have something to prove because of it?

You know what, I think that parents with crisis have got something to prove. So maybe hard kids or kids that had challenges when they were younger I’m sure is character building. For every challenge every kid has it makes you more of a fighter. I can’t say that with great authority. I am who I am based on every experience I’ve had and I don’t know how that’s played out. I can speculate but I can’t officially say that this is different and better to that or whatever. I had an unconventional childhood but I suppose you usually find that with actors.

Yeah my husband would agree with you on that one!

Yeah! I know its true with most actors who have had success. Maybe there’s a book written about it out there that actors need more love or they’ve got something to prove. I do believe that people have got their pathology in life.

Do you think that drives your ambition more?

I don’t know. I have been ambitious at times. I move out of ambition so I’m not sure. But I’m interested in life so maybe. I always drive forward.

Recently I went on my own emotional rollercoaster so what do you do to pull yourself out of it and refocus?

I am the total opposite. Ask any of my friends. If something gets me down or more or less something that I have to over come; I’m a fighter. So my natural instincts make me do whatever I’ve got to do to get myself out of it. It’s almost like I have an in-built system that says, “Right, all parties, let’s go because here we go. We’ll have a bit of drama on the way but let’s go.” And then I go in to fight it.

Would you say you know yourself really well?

You know what, I think I’ve really just gotten a handle on myself in the last year.

Why’s that?

I don’t know. It’s all meant to be. I feel more empowered and more knowledgeable in what’s important. I’m very appreciative of what I created in the world. I love my family. I’ve created that and I love doing what I want to do. I feel confident.

You sound confident.

I haven’t always been let me tell you.

So have you addressed that specifically or has that just sort of happened?

No it’s an organic experience. I’m not a ‘sit on the top of a mountain and think about things’ type of person. Even when I meditate I paint. I’m an avid meditator. I paint oil paintings and that’s the way I meditate. I can’t just sit and meditate, I find that very hard. That’s very much who I am. I’ll meditate and paint, and five hours can pass and I am completely in the moment, which is what meditating is all about.

What happens to your paintings?

Well, I am glad they are in the storage room with the rest of our belongings in Long Island. My latest thrill was that I did a portrait of my son. An oil-painting like the old masters do of my son. I gold leafed it and tin foiled it. It turned out really good.

Practice makes perfect doesn’t it?

Exactly.

So where does spirituality fit in with your life; is it a big part and do you put some of your success down to spirituality?

Yep. I think spirituality is with you every minute. Even when you look at the man you’ve chosen to sit with at the movie cinema. If you have integrity and spirituality in your life, it can’t help but be a part of your every moment.

And have you used that to guide some of your decision-making? I read somewhere that you look for what messages you can see first like how Oscar, your son, came into your life.

Some of that was guardian angels with messages. So, yes I do look for messages and that’s probably the romantic in me. I look for messages and I get my messages. Then I say, “Ok, this is reassuring.” I ask, “Are guardian angels there or this is the right choice?”

You refer to yourself as a wild child is that because of your upbringing or your personality?

My personality. You know maybe I did have something to prove. I was a rebel without a cause. I was outspoken. I went to school and some people would say I was a naughty child and some would say I was spirited. And maybe it was being an only child, I don’t know. Whatever it was I was definitely outspoken and demonstrative. I was playful like a puppy. It got me in trouble. I’m also a Sagittarian so I tell you what I think without thinking first and then I get myself in trouble for being honest.

Is your life extremely fast-paced?

Yep, it’s New York fast-paced. It’s full of crazy times and people think that’s great. I’m into the handbag theory. No matter what size handbag I have there will be stuff falling out of the top. Even if it’s a big bag or a small one, that’s just the way it is. I’m like that in life because we move around so much. We move from country to country and I’m now pretty proficient at moving in. As I said before I’m active, I don’t like being inactive. I feel like it wouldn’t be achieving.

You sound like you have a great zest for life.

Yes, I guess so. I just like being entertained. I’m like a kid. I’m always asking; What are we doing now? What’s next?

It comes down to attitude then, doesn’t it?

Yes.

About your upbringing, is that reflected in your choices of some of the roles you play such as a strong female type?

Yeah. I sort of try many. I auditioned for a role as a passive no one once and people laugh when I tell them. I don’t think I come across as a shrinking violet and that’s why I get those strong roles. It’s easier for me to play a stronger character. But I feel like I’ve played a lot of characters that are very vulnerable. You can either be a shrinking violet or a ball breaker.

So you’re more comfortable with the ball breakers?

No, I’ve played down trodden women before. I like playing stronger characters because they’re more focused.

Do you draw on your personal experiences to get in touch with the emotions of your characters?

Yeah, sometimes. Whatever you’ve got. Whatever the reasons. Whatever the material you’ve got you use it. In Jindabyne I played this woman and I didn’t know who she was. I had no idea, she seemed really grumpy on the pages and I thought, “God, they must be joking. Am I going to hate her?” I didn’t really have a lot to draw on for her so I just showed up, put the clothes on and put myself in that experience and used my imagination. That was not my life, that was total imagination. The film was done brilliant. I just showed up to see what would happen.

How do you approach your characters when you first get the script?

Just like I said I show up, put the clothes on and look at what they’re going through. I look into the eyes of the other people I’m working with. You just use your imagination. It doesn’t take a lot to see you’ve lost a child if you’re a mother. The thought of losing a child is horrific. You have empathy for it. As an actor we all have certain emotions, we have fear, anger and pain. The woman is a character and the things that trigger the emotions are the only differences. The interesting actors are the one’s where the choices are interesting like when dealing with a certain moment with anger and they choose to show humour. That is what defines who the character is. That is what the trigger is for that person. That either scares the character or is a funny mask we put on.

I agree. I think it’s also being in touch with and knowing yourself very well.

I do feel it’s transient though. It comes in and it goes out.

I suppose it’s being flexible and adaptable to that too. I guess I mean we have to be in touch with the child within us.

For an actor that’s the most important thing. Let’s face it we’re difficult. We go out there and pretend. If there’s something you’re not able to pretend then that child doesn’t make believe. When you lose that it’s pretty hard to be an actor.

So what’s one of your favourite roles so far?

Well I’d have to say the film Shame, which was years ago. That was my favourite role ever and my favourite film. I also did a film called A Matter of Convenience that I really liked. They’re all pretty serious but Shame would have to be my favourite film.

You recently starred opposite Charlize Theron and Woody Harrelson, how did you find that? Did you find it daunting at all?

No, they’re just actors. They’re just a bunch of kids trying to prove themselves too. They were very nice. I worked a lot with Woody Harrelson and I found it very hard to keep a straight face. He’s hilarious. He’s so funny. My God, it’s terrifying because I kept getting the giggles. It was probably a bit unprofessional really! That was extremely low budget but was being screened at Sundance Film Festival, which is good. So we’ll see how it goes. It was a very low budget feature film. I also did one in South Australia called Beautiful. It was directed by Dean O’Flaherty; he’s a first time director and I think it will be really interesting.

Can you talk much about that one yet?

It’s a thriller. That’s about it; it’s a thriller.

In your profession as an actor do you feel a responsibility to reveal a certain amount of yourself to the general public?

Do you mean privately?

Privately and/or professionally?

My private life? No, I don’t. I owe my audience a responsibility of entertaining them or educating them or sharing with them the likes of what I do which is my art. That’s who I am; my art. You mean the celebrity and that world?

Yeah.

No. I don’t feel it’s necessary. I mean I show up to events and if people learn from it or get something from it then that’s great. I don’t think so. I don’t feel I owe anyone.

Do you have any personal agendas you’re trying to achieve through your craft?

That’s as a celebrity not through my craft. I wouldn’t say that’s through my craft. That would be to use everything I have as an actor. Yeah I do have projects like at the moment I’m very involved with trying to change the laws in Australia about adoption. It’s more than that; it’s also my passion. I mean there are kids walking the streets in Africa a few years old and you’ve got families here in Australia desperate to adopt and the bureaucrats have simply turned their backs. It’s outrageous. Australia is the second lowest in the world as far as country adoptions go. There’s a lot of things about it that are completely unjust. It needs to be overhauled so I’m passionately fighting that fight. But you don’t know.

Fantastic. You must be proud of yourself.

Well it’s my passion. That’s what I do. I love that there’s all these people in that community who have been fighting it for years and no one’s heard them. I thought that to myself one day and said something, then all of a sudden I got a lot of attention. But you gotta work the moment and I’ve been very successful. People really do need to start to pay attention because it’s a huge injustice.

So you’re tackling them in Canberra?

Yep. Off I go. I’ve done a lot of interviews and I’ve got a lot of things coming up and I’ll sit down and have meetings with the politicians. But I’m not really good at the humanitarian aspect. Politics is not my game. I believe in one thing and that’s avoiding politics.

But if you treat it as pursuing your passion….

Yeah.

And, there’s politics everywhere anyway.

Yeah there’s politics in everything, I know.

Let’s get back to the personal stuff. What lured you to directing?

Basically, as an actor you’re the only who sits there on set and you’ve got one or two shots or something like that. Even in drama school I was like it. I’m very visual because I paint. I could always see how it was meant to be and when it wasn’t it annoyed me. I thought one day I want to do that. I never felt it was possible then that changed a few years ago. I sort of put my hand up and that’s when I made my short film, and I loved every minute of it. It is something I really want to do.

How do you balance it all? Everything in your life?

I did Dancing With The Stars and I decided the film industry is Dancing With The Stars. This is what I do. I’m passionate about wanting to make life smoother or easier. To be able to do everything I want to do, I have to be really organised. It’s all about organization. No matter what my family always comes first. I can organise to do things with my life but if my kids get unhealthy everything goes by the wayside.

Do you ever feel like throwing in the towel or just taking a year off?