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Why don’t employers in Australia prinsurance to fill gaps of Medicare (Canada does that)?
Why don’t employers in Australia prinsurance to fill gaps of Medicare (Canada does that)?Prior to the 1980s there were companies in Oz that provided a range of Fringe Benefits such as gap insurance or full private health insurance. In fact, just after Medicare was introduced, the insurance company FAI had a policy for “gap” insurance, but that threatened “the scheduled fee” regime of the government and encouraged MDs to charge above the schedule fee. MDs can to this day charge above the schedule fee, and its upto the patient whether to change MDs to avoid the excess or not. In any case, the laws changed & insurance companies either had to prfull health insurance comparable to Medicare or none at all (they could prsupplementary cover for dental, chiro etc & other services not covered by Medibank).Anyway, prior to 1986 execs like me took full advantage of negotiating fringe benefits in lieu of salary to avoid (reduce) income tax (the top rate was 60% on each $ over x amount).To reduce income tax overall, the government introduced a Fringe Benefit Tax (FBT), that gross up the “net” (pocketed) benefit and taxed FBs at the top rate. That caused junior execs to be worse off but had no real inpact on senior execs. The admin overhead to report & collect FBTs was a pain for business, so many large businesses stopped offering FBs & initially grossed up salaries instead. Some companies continue offering FBs, but usually in the form of cars, private school fees, golf club fees etc. Depending on how FBs are structured they have tax advantages - an industry evolved ti design “salary forfeitures” in exchange for FBs to minimize (avoid) income tax (eg: granting of options or shares has major tax advantages). Like car leasing, some companies instead of direct provision have arrangements with health funds for “bulk rates” which are cheaper than the normal retail offerings. The major advantage over employer provided health cover, is the employee can take their health cover from employer to employer or change funds offering better rates or cover.Years ago I read how the USA ended up with its strange, inequitable system of employer sponsored health insurance. My memory is vague on the details, but as I remember it, after WW2 there were labour shortages in certain occupations, and employers came to offering sweeteners to attract people to them. Then came the McCarthy (there is a commie under every bed) purges of the 1950s , and that put the nail in the coffin of publicly subsidised health care.Before medicare, here in Australia we had non-profit mutual funds & benevolent societies that provided health insurance. Then USA carpetbaggers entered the market, which led to the Health funds demutalising & becoming for-profit organisations. Health costs began to rise because of the obvious monopolies, so Oz put the brakes on this exploitation and introduced Medicare which gave the same cover at a lower cost to the populace. Australians pay a contribution of 2% of net taxable income towards medicare costs (the rest comes from general revenue). There is no cost to low income households & pensioners. Persons earning excessive income (over $90k for singles, or $180k for households) pay a 1% surcharge or are obligated to take out private health cover (their free choice).In my families experience, it is a most excellent system if you are genuinely ill and needing medical assistance. You see the MD of your choice. Generally you see the specialists your MD refers you to, just as happens with private insurance. If stuck in hospital, you’ll generally be admitted to a ward with four beds in it (my preference). Sometimes when there is necessity you are put in a private room (most lonely if you aren’t sedated or high on medication). In a public hospital, like private health cover, you generally don’t get a choice of doctor etc but everything is free (private hospitals itemise everything and you are at the mercy of the health funds for partial remittances).
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms (https://www.quora.com/about/tos) as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.
How can I get more people to fill out my survey?
Make it compellingQuickly and clearly make these points:Who you are and why you are doing thisHow long it takesWhats in it for me -- why should someone help you by completing the surveyExample: "Please spend 3 minutes helping me make it easier to learn Mathematics. Answer 8 short questions for my eternal gratitude and (optional) credit on my research findings. Thank you SO MUCH for helping."Make it convenientKeep it shortShow up at the right place and time -- when people have the time and inclination to help. For example, when students are planning their schedules. Reward participationOffer gift cards, eBooks, study tips, or some other incentive for helping.Test and refineTest out different offers and even different question wording and ordering to learn which has the best response rate, then send more invitations to the offer with the highest response rate.Reward referralsIf offering a reward, increase it for referrals. Include a custom invite link that tracks referrals.
What is the best way to close gaps between teeth without using braces?
A gap between teeth can be filled by the use of a series of clear retainers designed to move teeth or a removable retainer that uses rubber bands or springs to help push teeth. Retainers must remain in place until the bone around the teeth settles,gap between teeth is classified as a diastema and is most likely to occur between the front teeth. Additionally, gaps between teeth are normally caused by a mismatch of jaw structure and teeth size, according to Colgate. Another cause of teeth gaps is tongue pushing or thumb sucking. If an orthodontist examines the diastema and decides braces are the best course of treatment, the braces will most likely cover additional teeth not affected by a diastema. Once the teeth are moved back into place by the course of treatment, a splint placed at the back of the teeth or a retainer may be required to keep the teeth from moving back.At Erbsville Dental we are a full service one stop clinic for all your dental needs. Whether you are looking for:· A family dentist to preform regular check ups,· A Collage or University student wondering about dental benefits,· A full time worker looking for evening or weekend appointment,· A young person needing braces,· Emergency dental work,We can help!
My company forgot to take out my fica and Medicare from my paycheck. They amended the W-2 on their own end and paid their portion of the taxes. How do I pay mine during filling?
I doubt that they “forgot.” Plus, there’s no reason for them to amend your W-2 unless they subsequently paid your employee FICA, but that’s more complicated than it may seem.If an employer fails to withhold the employee-FICA tax, the employer remains liable to pay the tax that it should have withheld. But you’re liable for it as well. It’s far easier for the IRS to collect it from the employer • the penalty is 100% of the tax amount, so the IRS will usually take that and apply it as the tax itself, if the employer doesn’t correct it himself first. In that case, you no longer owe the tax, but you owe the employer the amount of the tax (without interest or additional penalty), because he paid your tax on your behalf.Here’s where it gets complicated. Whether and how the employer gets the money back from you is a matter to be settled between the two of you • the IRS has nothing to do with it and, frankly, couldn’t care less. And assuming that we’re not in the same calendar year (which we can’t be), the employer just withholding that amount from your pay may very well violate state laws (depending on your state, obviously, but most would require your consent). In the meantime, the employer’s payment of the employee-FICA that it paid was additional wages to you, and the withholding (income tax and FICA) on that has to be taken from your other paychecks (or else the problem would occur all over again).There is a way in which the employer can get away with very substantially reduced penalties, but that applies only in cases of unintentional misclassification (as an independent contractor), and that’s not what happened to you. First, you were given a W-2, which indicates that you were treated as an employee. Second, you dont say anything about “forgetting” to withhold income tax • and that in and of itself disqualifies the employer from taking advantage of these reduced penalties. (If they withheld income tax, they obviously were not mistakenly treating you as a contractor.)
Are there tricks, drugs or ways to recover lost memories or to fill in the gaps or flesh out memories?
Yes. Hypnosis can be used for exactly this purpose. I would suggest you start with self-hyposis. The simplest form of this is auto-suggestion. You write down exactly what you want to achieve. And you put it in the present tense. So, “I clearly remember the time when …” and not “I will clearly remember the time when …”. Make sure that the statement you have written down is just the thing you want, and that this will satisfy you once this is the case. And write it down ‘nicely’! Meaning on a nice piece of paper, clearly and cleanly, no crossings out or corrections. Then you have it somewhere handy, like by your bed, and you look at it at least twice a day, morning and evening. What you are doing is priming your unconscious mind with this suggestion. It is important to relax as much as you can before you do this. Sit and let your mind go as quiet as you can, and then say this statement to yourself a few times. This is an affirmation. They usually work, but it may take time. It also helps if you can summon up the feeling of what it will be like when this objective is reached. Chances are that after a while you will find your statement being fulfilled. For further instruction on this kind of thing Shakti Gawain’s book Creative Visualisation is brilliant. The book on Silva mind control is also a well respected classic.
How do you fix teeth gap?
You may have taken great care of your teeth over the years. You’ve brushed and flossed, kept them clean and white, and for the most part, you’re proud of your smile. The only problem is, there is a slowly growing dark spot right in the center of your smile: a gap in between your front teeth!Dental Bonding : Dental bonding is the easiest, quickest, and most economical way to fix the gap between your teeth. The simple procedure involves the application of a tooth-colored resin material to your teeth. The material is shaped to look natural and then hardened with a special light, which ultimately “bonds” it to the tooth to close the gap in your smile.Veneers : Porcelain veneers are another cosmetic procedure that can fix the gaps in between your front teeth. They are a little more involved than dental bonding, but the procedure is still relatively simple and the results will last for many years.A veneer is a thin piece of porcelain that has been shaped in a lab to match the shape and color of your teeth. It is placed and bonded over the front of your tooth and acts like a mask, covering up any imperfections or gaps in your teeth. Once bonded, the thin piece of porcelain becomes very sturdy and difficult to break.
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