Monday, January 7, 2013

Juniques Will Assist Seniors to develop financial options

Juniques Multi Cultural Connections Making the Financial Way for Seniors and Elderly


JUNIQUES MULTI CULTURAL CONNECTIONS IS AGE AWARE!!!  http://www.jusmcc.org
If there ever was a group of people who need financial strategies for living a positive lifestyle is Senior Citizens (60-80) and the Elderly 80 and beyond).
Middle age folks (45-60) have to pay attention also, for they too, are heading into these catagories.

"The best-laid plans of mice and men often go awry" ( robert burns, poet)

Yes, the best laid plans can go wrong!!!!
JMCC is offering options for improving your finances ( which seems to effect so many areas of development). Living does not have to be difficult!!
USA economic policies are in place and/or being put in place to assist our youth. That is a good thing!

However, we must look at the other end of that "timeline" and see where these youths, will be arriving. 

If we properly prepare, we will not have to be repeating the same economic empowerment strategies for those "new age category" people. 

Additionally, we must assist seniors and elderly in devising an effective economic empowerment strategy. No one wants to be at the "mercy" of someone else benevolence to take care of them.

We have too much going for us economically in the USA to not make this happen!!!
www.jusmcc.org will be a advocate and provider in this endeavor. 
The demographical information shows us why this economic empowerment is imperative!!
****
Senior Citizens to Exceed Children in Most of World and U.S. by 2050 Census Bureau estimates show seniors in U.S. increasing by 104% from 2012 to 2050

June 28, 2012 - The world's inhabitants in 2012 are an older mix of people than was the case a decade ago, driven by declining fertility and increasing life expectancy.

According to new U.S. Census Bureau population projections, by midcentury most world regions, and the United States, will resemble Europe, which in 2005 became the first major world region where the population 65 and older outnumbered those younger than 15. In the United States, the senior citizen population - those age 65 and older - is projected to grow by 104.3% between mid-year 2012 and 2050.

At that point there will be 80.5 million Americans under age 15 and 86.8 million seniors over age 64. Northern America, which includes Canada and the United States, will have joined Europe in this historic reversal of age group sizes by 2050, as will Asia, Latin America and Oceania (which includes Australia and New Zealand).

Moreover, China is projected to move from having nearly twice as many people in the younger age group than in the older one in 2012, to the opposite situation by midcentury. These projections come from an update of the Census Bureau's International Data Base, which includes estimates by age and sex to 100 years and older for countries and other areas with populations of 5,000 or more and provides information on population size and growth, mortality, fertility and net migration. 

Since April 2012, users of the International Data Base have been able to obtain population in single years of age, allowing them to calculate country-specific populations in particular age groups (e.g. population at selected ages younger than 5, or adolescents).

Between now and the middle of the 21st century, global population will continue aging. The percentage of population 65 and older will more than double, from 8 percent today to nearly 17 percent in 2050. 

This will carry with it well-established changes in the mix of communicable and noncommunicable disease patterns in populations, health care burden, pension systems, the composition and character of the labor force, and other economic variables, such as savings and consumption patterns.

One world region — Africa — will continue to have populations younger than 15 that are much larger than those 65 and older, but even there, the balance will have shifted toward the older group JMCC is active in providing job and opportunities for the multi cultural communities, especially seniors and elderly!!

Wednesday, December 26, 2012

Juniques Multi Cultural Connections Making the Financial Way for Seniors and Elderly


JUNIQUES MULTI CULTURAL CONNECTIONS IS AGE AWARE!!!  http://www.jusmcc.org
If there ever was a group of people who need financial strategies for living a positive lifestyle is Senior Citizens (60-80) and the Elderly 80 and beyond).
Middle age folks (45-60) have to pay attention also, for they too, are heading into these catagories.
"The best-laid plans of mice and men often go awry" ( robert burns, poet)
Yes, the best laid plans can go wrong!!!!

JMCC is offering options for improving your finances ( which seems to effect so many areas of development). Living does not have to be difficult!!

USA economic policies are in place and/or being put in place to assist our youth. That is a good thing!
However, we must look at the other end of that "timeline" and see where these youths, will be arriving. 
If we properly prepare, we will not have to be repeating the same economic empowerment strategies for those "new age category" people. 

Additionally, we must assist seniors and elderly in devising an effective economic empowerment strategy. No one wants to be at the "mercy" of someone else benevolence to take care of them.

We have too much going for us economically in the USA to not make this happen!!!
www.jusmcc.org will be a advocate and provider in this endeavor. 

The demographical information shows us why this economic empowerment is imperative!!
****
Senior Citizens to Exceed Children in Most of World and U.S. by 2050 Census Bureau estimates show seniors in U.S. increasing by 104% from 2012 to 2050
June 28, 2012 - The world's inhabitants in 2012 are an older mix of people than was the case a decade ago, driven by declining fertility and increasing life expectancy.
According to new U.S. Census Bureau population projections, by midcentury most world regions, and the United States, will resemble Europe, which in 2005 became the first major world region where the population 65 and older outnumbered those younger than 15. In the United States, the senior citizen population - those age 65 and older - is projected to grow by 104.3% between mid-year 2012 and 2050.
At that point there will be 80.5 million Americans under age 15 and 86.8 million seniors over age 64. Northern America, which includes Canada and the United States, will have joined Europe in this historic reversal of age group sizes by 2050, as will Asia, Latin America and Oceania (which includes Australia and New Zealand).

Moreover, China is projected to move from having nearly twice as many people in the younger age group than in the older one in 2012, to the opposite situation by midcentury. These projections come from an update of the Census Bureau's International Data Base, which includes estimates by age and sex to 100 years and older for countries and other areas with populations of 5,000 or more and provides information on population size and growth, mortality, fertility and net migration. Since April 2012, users of the International Data Base have been able to obtain population in single years of age, allowing them to calculate country-specific populations in particular age groups (e.g. population at selected ages younger than 5, or adolescents).

Between now and the middle of the 21st century, global population will continue aging. The percentage of population 65 and older will more than double, from 8 percent today to nearly 17 percent in 2050. This will carry with it well-established changes in the mix of communicable and noncommunicable disease patterns in populations, health care burden, pension systems, the composition and character of the labor force, and other economic variables, such as savings and consumption patterns.
One world region — Africa — will continue to have populations younger than 15 that are much larger than those 65 and older, but even there, the balance will have shifted toward the older group JMCC is active in providing job and opportunities for the multi cultural communities, especially seniors and elderly!!

Join us -http://www.jusmcc.org

Tuesday, November 13, 2012

JUNIQUES MULTICULTURAL CONNECTIONS ATTEND GPBCC ECONOMIC & CAREER SUMMIT

Juniques Multi Cultural Connections (http://www.jusmcc.org)  was in attendance at the Greater
Phoenix Black Chamber of Commerce Economic Summit in Scottsdale, AZ.
Networking increases your net worth. Networking improves your value.


Networking connects you with other like minded people.

That was experience and result from attending
Greater Phoenix Black Chamber of Commerce Economic Summit in Scottsdale, AZ.
I was fortunate to be in contact with successful business leaders  and owner around the valley and
around the country.
I am privileged to share this with you!!!
http://youtu.be/4lP7ViebNOw
Juniques Multi Cultural Connections
Leader in Culture to Culture Marketing
www.jusmcc.org
623-455-6364



Ron Busby President U.S. Black Chambers speaks GPBCC Economic andCareer Summit
http://youtu.be/3mvOoRi0_dU


JMCC ATTENDED THE GPBCC ECONOMIC & CAREER MEET AND GREET EVENT
http://youtu.be/3hqItgnBoTw

JMCC LISTENS TO HUMAN RESOURCES EXPERTS AT THE GREATER PHOENIX BLACK CHAMBER OF COMMERCE,
ECONOMIC AND CAREER SUBMIT, MARRIOTT HOTEL, SCOTTSDALES,AZ 8&9 NOV 2012




Ms. Karen Thomas.
Ms. Thomas, has over a decade of talent acquisition strategy,delivery and retention program
experience with
Fortune 100 companies. She leads innovative change that focus on innovation and collaborative use of human capital.

 http://youtu.be/9dxQIL0IKHI

Loretta Love Huff,( http://www.lorettalovehuff.com/)
has a track record of success in helping
corporate leaders, small business owners, and teams overcome obstacles, resolve conflicts, increase sales and deliver levels of effectiveness, innovation, profitability and impact that would not have otherwise been obtained.
http://youtu.be/DKhrVebdWKo



Felicia Davis, is a former HR Executive with 20 plus years of experience. She is the founder of
(http://www.40PlusFabulosity.com), a boutique leadership development organization for women 40 and older.
Known for unique ability to unearth the untapped potential in others helping them remove their blind spots and see their own vision of success with precision and
clarity.
http://youtu.be/8CrYYfZT_og

Dr. Will Moreland is Founder and CEO of Will Moreland International.(http://www.willmoreland.com/)
His goal is to help you see, pursue and reach your
greatest potential in life and business.  He is an internationally recognized leadership expert,
speaker and author has addressed audience around the world.
http://youtu.be/bGJ0erwG5A8

Tina Pannell Ellis (http://www.naaahrphoenix.org/)has over 14 years experience in Workforce planning and organizational development. She currently serves as President of the National Association of African Americans in Human Resources, Phoenix Chapter.
http://youtu.be/Pf-9q-qontM
http://youtu.be/x9rE5HzIg8Q


Dr. Terri Trent,(http://www.careerintelligence.net/)
 is a seasoned organizational consultant who has more than 20 years of diverse experience in
executive and career management coaching, training and group faciliation. Ms. Trent has also worked for Charles Schwab and other career management firms with 200plus offices worldwide.






Saturday, June 23, 2012

Health Care History and No Turning Back

Hello Community, I find this article intremely interesting.
This writer's article shows the history of our government
elected official trying to establish meaningful health coverage
for all USA citizens. Every attempt was met with opposition
either from companies,groups, or You
Many gave on trying to make a change or other events would
intervene to prevent any meaningful change.

Now, history appears to be repeating itself.
A President who is determined to make a change, a lasting
change to our healthcare system.
Major socio/economic/political events happening that
could deter a meaningful change again.

We are waiting for the Supreme Court ruling on the
President Obama's health care reform. Yea or Nay

No one knows how that vote will go.
Here is what I know.

You can not "put the genie back in the bottle" and may not
want too.

President Obama's health care proposal has the health care
industry making adjustment to its policies regardless to
how the vote come in.

United Healthcare is already changing it policies to align
with many of the proposed Health Reform law requirements.
9 million people will benefit from that change.
I suspect other healthcare companies will follow ( or possibly lose
business).
2012 is proving to be a year filled with "high drama".

I am stay tuned for further developments.
Rickey
Juniques Multi Cultural Connections
http://www.jusmcc.org/


US health care reform efforts through history
By CONNIE CASS  Associated Press

WASHINGTON (AP) — The Supreme Court's upcoming ruling on President Barack Obama's health care overhaul law comes after a century of debate over what role the government should play in helping people in the United States afford medical care. A look at the issue through the years:

1912: Former President Theodore Roosevelt champions national health insurance as he unsuccessfully tries to ride his progressive Bull Moose Party back to the White House.

1929: Baylor Hospital in Texas originates group health insurance. Dallas teachers pay 50 cents a month to cover up to 21 days of hospital care per year.

1935: President Franklin D. Roosevelt favors creating national health insurance amid the Great Depression but decides to push for Social Security first.

1942: Roosevelt establishes wage and price controls during World War II. Businesses can't attract workers with higher pay so they compete through added benefits, including health insurance, which grows into a workplace perk.

1945: President Harry Truman calls on Congress to create a national insurance program for those who pay voluntary fees. The American Medical Association denounces the idea as "socialized medicine" and it goes nowhere.

1960: John F. Kennedy makes health care a major campaign issue but as president can't get a plan for the elderly through Congress.

1965: President Lyndon B. Johnson's legendary arm-twisting and a Congress dominated by his fellow Democrats lead to creation of two landmark government health programs: Medicare for the elderly and Medicaid for the poor.

1974: President Richard Nixon wants to require employers to cover their workers and create federal subsidies to help everyone else buy private insurance. The Watergate scandal intervenes.

1976: President Jimmy Carter pushes a mandatory national health plan, but economic recession helps push it aside.

1986: President Ronald Reagan signs COBRA, a requirement that employers let former workers stay on the company health plan for 18 months after leaving a job, with workers bearing the cost.

1988: Congress expands Medicare by adding a prescription drug benefit and catastrophic care coverage. It doesn't last long. Barraged by protests from older Americans upset about paying a tax to finance the additional coverage, Congress repeals the law the next year.

1993: President Bill Clinton puts first lady Hillary Rodham Clinton in charge of developing what becomes a
1,300-page plan for universal coverage. It requires businesses to cover their workers and mandates that everyone have health insurance. The plan meets Republican opposition, divides Democrats and comes under a firestorm of lobbying from businesses and the health care industry. It dies in the Senate.

1997: Clinton signs bipartisan legislation creating a state-federal program to provide coverage for millions of children in families of modest means whose incomes are too high to qualify for Medicaid.

2003: President George W. Bush persuades Congress to add prescription drug coverage to Medicare in a major expansion of the program for older people.

2008: Hillary Rodham Clinton promotes a sweeping health care plan in her bid for the Democratic presidential nomination. She loses to Obama, who has a less comprehensive plan.

2009: Obama and the Democratic-controlled Congress spend an intense year ironing out legislation to require most companies to cover their workers; mandate that everyone have coverage or pay a fine; require insurance companies to accept all comers, regardless of any pre-existing conditions; and assist people who can't afford insurance.

2010: With no Republican support, Congress passes the measure, designed to extend health care coverage to more than 30 million uninsured people. Republican opponents scorned the law as "Obamacare."

2012: On a campaign tour in the Midwest, Obama himself embraces the term "Obamacare" and says the law shows "I do care."

The West Oakland Stories is Gaining National Attention

Hello Community, Listen to this exciting interview with Mr. Ed Howard, producer, West Oakland Stories
Learn how the West Oakland Attitude produced some great people we read about, even today!!!

You can learn more at http://www.westoaklandstories.info/

Listen to internet radio with jmos on Blog Talk Radio

Tuesday, June 12, 2012

You are part health care reform history

Hello Community, You are witnessing  history in the making.
For years, it was said, the health care system that we all have been subject to,
could not be changed. That "that is just the way it is!"
Are you enjoying being part of another myth buster!!!!!
The "is" can be changed!!!!
We are part of a monumental movement. Forget politics for a moment.
This is a social/economic event of epic portions.
Many will benefit from this new direction in health care.
The old way is becoming the historical note of the future when change is being

reported. When the question is asked "What significant event in 2012 occurred to

change the health care system that stood for 50 plus years?"
You are being given the answer today. You will be able to answer that question with

ease.

You can not put the "genie" back in the bottle!!!!

Visit Juniques Multi Cultural Connections  http://www.jusmcc.org

12 Jun 2012
Obamacare: Some GOP Governors Likely to Implement it if Supreme Court

Upholds Health Care Law
By MICHAEL ONO | ABC OTUS News – 11 hrs ago


The fate of Obamacare -- the health care law championed by the White House -- is

with the Supreme Court, which is expected to hand down a decision this month. If

-- and it's a big if -- the court rules fully in favor of the law and its requirement that

the government can require Americans to buy health insurance, it will put some

Republican governors in the uncomfortable position of working with the federal

government to implement a law they dislike.

Take Chris Christie, the Republican governor of New Jersey.

Democrats in the New Jersey legislature can expect him to work with them on

implementing a state-regulated health insurance exchange, something is required

under the health care law.

Part of the law requires that individuals buy medical insurance by 2014, but when

they do, people and small businesses can purchase subsidized insurance through

state-regulated exchanges.

Christie vetoed a measure in New Jersey to create exchanges back in May, but

sounded grudgingly receptive to future action in his veto message to the state's

general assembly. As governor, he applied for and accepted $8 million in grants

from the Department of Health and Human Services to set up an exchange.

"While I am unwilling to approve the establishment of a statewide health insurance

exchange at this time, I am mindful that the requirements of the Affordable Care Act

still stand today and I intend to fully oversee New Jersey's compliance in a

responsible and cost-effective manner should its constitutionality ultimately be

upheld by the Supreme Court," said Christie in a letter to the New Jersey General

Assembly.

Christie, regarded as moderate on many issues, has established himself as a

Republican willing to fight the federal government. He has rejected federal money

on numerous occasions. Still, many Governors, like Christie, have accepted federal

grant money and are preparing to meet the 2014 deadline in the health care law.

"I don't think he's also going to stand as obstructionist for a law that has been

passed by Congress and upheld by the Supreme Court," said Ben Dworkin, the

director of the Rebovich Institute for New Jersey Politics at Rider University.

Still, conservative activists are watching to see what Christie and other governors

do. Some are concerned that governors will allow Obamacare provisions to pass at

the state level.

"I only hope that we can we can explain these different things to him and to

educate his staff on why it's economically beneficial not to implement this in New

Jersey," said Steve Lonegan, the New Jersey State Director at Americans for

Prosperity, a conservative group founded with support from David and Charles

Koch.

Christie probably won't be alone among Republican governors, who may have to

scramble to implement the law if the Supreme Court lets it stand. If states don't

establish their own programs by 2014, the law allows the Federal Government to

intervene with its own health exchanges. Most states have applied for federal grant

money but only a few are close to implementation.

New Mexico Gov. Susana Martinez, like Christie, and has vetoed legislation in her

state, citing the pending Supreme Court decision as a reason to delay. But

Martinez has also accepted federal grant money. New Mexico will receive $34

million from HHS to establish its insurance exchange.

"I am in general support of the creation of a framework to establish a state

insurance exchange because I believe it is important that New Mexico maintain

control over the design of a market-based exchange, instead of allowing the federal

government to define the process," said Martinez in her veto to the state

legislature.

Gov. Mitch Daniels of Indiana went even further when he issued an executive order

last year to establish insurance exchanges. His state is getting $6.8 million from

HHS. Republicans control the Indiana State Legislature.

Where does Mitt Romney stand on exchanges?

Romney has repeatedly said he is "for repealing Obamacare on day one." But his

newly minted transition head, Mike Leavitt, has no problem with the concept of

state health insurance exchanges, according to Politico.

"We believe that the exchanges are the solution to the small business insurance

market and that's gotten us sideways with some conservatives," he said.

Massachusetts is one of two states that have state health insurance exchanges.

Romney is largely tied to the healthcare law that gave birth to those exchanges and

Leavitt, a former Utah Governor and former head of HHS under George W. Bush,

benefited financially when his firm received a contract to build Utah's exchange

program.

If Romney is elected in November he will likely work with Congress to repeal and

replace the Obama health law with his own healthcare plan. On Romney's website

there is a healthcare page that mentions his plan to "Ensure flexibility to help the

uninsured, including public-private partnerships, exchanges, and subsidies."

9 Million Health User can benefit from "Obamacare"!!

Biggest Health Insurer Will Keep Parts of 'Obamacare,' Regardless of Court Ruling
National JournalBy Jonathan Miller | National Journal – 14 hrs ago

The Health Care Industry will follow this lead. This is a nation's 1st!!!!
Took a man with strong conviction and courage to pioneer this move!!
Say what you may. With the strength to carry this through , this provide probably would
still practice "business as usual" . Taking a LOSE - LOSE to WIN-WIN

This is HUGE news. "Obamacare" already accepted by United Healthcare
UnitedHealthcare, the nation’s largest health care provider, will keep major and popular parts of President Obama’s health care initiative, regardless of how the U.S. Supreme Court rules.
The announcement affects roughly 9 million consumers in the U.S.

http://news.yahoo.com/biggest-health-insurer-keep-parts-obamacare-regardless-court-084922419.html



11 Jun 2012
Biggest Health Insurer Will Keep Parts of 'Obamacare,' Regardless of Court Ruling

National JournalBy Jonathan Miller | National Journal



UnitedHealthcare, the nation’s largest health care provider, will keep major and popular parts of President Obama’s health care initiative, regardless of how the U.S. Supreme Court rules.

The company announced Monday that it plans to continue to provide customers with preventive health services without co-pays or out-of-pocket charges. The company will also allow parents to keep children on their health plans until age 26.

UnitedHealthcare will also observe the law’s prohibition against lifetime limits on insurance payouts and canceling coverage after a patient gets sick, unless that patient intentionally lied on the insurance application.


The announcement affects roughly 9 million consumers in the U.S. The U.S. Supreme Court is reviewing several major challenges to the law, and is expected to issue rulings this month that could dispatch all or part of the law.

“The protections we are voluntarily extending are good for people’s health, promote broader access to quality care and contribute to helping control rising health care costs,” Stephen J. Hemsley, president and chief executive of UnitedHealth Group, said in a statement. “These provisions are compatible with our mission and continue our operating practices.”

Health and Human Services' chief health information technology officer, Farzad Mostashari, said it was part of a larger trend of the health reform law delivering permanent improvements to the health care industry.

"It goes to show how there are some changes afoot that are in the direction that we need to move," Mostashari told National Journal in an interview. "I'm greatly encouraged by what a lot of the commercial plans are doing."

The health insurance industry lobby also welcomed United's announcement.

"This is an example of health plans stepping up to give consumers peace of mind about their health care coverage," Americans Health Inusrance Plans Spokesman Robert Zirkelbach said in an e-mail.

Meghan McCarthy contributed.

VISIT JUNIQUES MULTICULTURAL CONNECTIONS AT WWW.JUSMCC.ORG