Tag Archives: Small

Small fetal size in pregnancy could indicate future heart problems

A study published in the BMJ has linked poor growth in the first 3 months (the first trimester) of pregnancy with poor heart health later in life.The rate of human development is highest during the first trimester of pregnancy, and this is when the cardiovascular and metabolic organs form.
Featured Health News from Medical News Today

Small Business Health Insurance Problem

Through the debate on reforming health insurance for small businesses, an important piece of information was missing: Policymakers had little data on why only some young companies offer their employees health insurance. Common sense and much research indicate that cost plays a big role in business owners’ health insurance decisions. Why do some entrepreneurs choose to incur this cost while others do not?

Back in March, Congress passed the Affordable Care Act, which in 2014 will require all Americans to have health insurance or pay a penalty. Although many people would now like to put discussion of employer health insurance behind them, the question of why only some founders of small businesses offer insurance remains an important one. Its answer will influence how much of a role government will play in providing employee health insurance for years to come.

One part of the new law is a set of tax credits and penalties designed to encourage employers to provide insurance.The problem is that for most young small businesses, it won’t work.That’s the conclusion I reached, based on research I conducted with Alicia Robb of the Ewing Marion Kauffman Foundation.We examined the decisions of founders of young companies on whether or not to offer health insurance, using information from the Kauffman Firm Survey, which tracks a cohort of nearly 5,000 new businesses started in 2004.

The data show that very few new businesses offer employee health insurance. Nearly two-thirds of companies with employees did not offer employee health insurance at any time during their first five years of operation. Moreover, only one in five offered insurance to their workers in all of the years.
insurance: no performance benefits

The few young small businesses that offered health insurance differed dramatically from those that didn’t: They tended to be larger and higher-paying, structured as partnerships and corporations, and they offered their employees a wide variety of benefits. Most young businesses don’t fit this profile. The majority are sole proprietorships with few, modestly paid employees. Only a handful of young companies grow dramatically. A minority shift from sole proprietorships to other legal structures. Few ever add a lot of benefits. This means that only a small portion of young small businesses are health-insurance-providing types. Most are not.

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One argument that’s often made to justify giving employees health insurance is that doing so helps companies perform better. Those that offer employee health insurance, the argument goes, get better and harder-working employees. We examined whether the provision of employee health insurance provides any performance benefits to young companies. We found that it does not.

Controlling for a variety of other firm and founder characteristics, we saw no significant effect from providing employee health insurance on firm survival, growth in assets, growth in sales, growth in profits, or growth in employment during the first five years of operation. Stated differently, offering employee health insurance doesn’t appear to do anything to improve the performances of young companies, despite what some observers argue. We shouldn’t claim that the new law will benefit small business owners by making their companies more successful.
low-paying, sole proprietorships

The data offer three key takeaways for policymakers. First, only a minority of new businesses offer health insurance to employees, even by age five. Fewer still move from not offering insurance to providing it. When thinking about how to manage small business health insurance, policymakers need to keep in mind that offering insurance isn’t something that young companies naturally evolve to do as they mature. Consequently, most of the employees at new businesses that don’t offer health insurance will need to be covered by government programs and state exchanges.

Second, new companies that don’t offer insurance tend to be smaller, lower-paying, sole proprietorships with a large share of part-time workers. These offer employees limited benefits. Policy makers need to recognize that offering employee health insurance is something that fits certain kinds of new companies and not others. Small business owners who don’t offer employee health insurance aren’t being heartless. They are responding to the economics of the industries they are in and the business models they are pursuing.

Third, offering employee health insurance doesn’t improve the financial performance of new companies. Policymakers need to understand that despite the many reasons why they want the founders of all businesses to offer health insurance to employees, requiring that entrepreneurs provide such insurance won’t benefit many of the business owners.

Hundreds of thousands of new businesses with employees are founded in the U.S. every year. Few of these companies are large enough, pay enough, or are structured in a way that would lead them to offer employee health insurance. Moreover, few will turn into businesses that provide health care coverage to their workers. As a consequence, most of the several million workers hired by young businesses annually will be getting their insurance from government programs and state exchanges for years to come.

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Small Snails Can Survive Bird Digestion

Small Snails Can Survive Bird Digestion
According to scientists, snails are able to survive intact after being eaten by birds. Researchers found that 15 percent of the snails eaten survived digestion and were found alive in the birds’ droppings. The evidence suggests that bird predation could be a key factor into how snail populations spread. Japanese researchers from Tohoku University investigated whether invertebrates could also …
Read more on redOrbit

Snails survive digestion by birds
Snails are able to survive intact after being eaten by birds, according to scientists.
Read more on BBC News

Anaerobic digestion offers a ‘quick win’ for Green Investment Bank
The UK’s Green Investment Bank (GIB) should prioritise small-scale renewables including anaerobic digestion as they offer “shovel-ready” opportunities for investment, a leading financial adviser said today (6 July).
Read more on Environmental Data Interactive Exchange

Live Well With A Small Income

If your one of the lucky few who still have a job, count yourself as a lucky person. Our economy seems to be leveling people who held good jobs or had their own businesses quickly. Many people are having to readjust their way of living to fit their new budgets, and it is hard.Try some of the things listed below to save some money while still living decently

Make a list of your priorities. Remember food, shelter and electricity are your first priorities. Everything else is considered extras. In other words the cable, shopping and credit cards come after the necessities.

See if you are eligible for food stamps. Don’t be too proud to get food stamps. The program is there to help you if you need it, and it will help cut’s out a large portion of money that you have to make each month.

If you have animals, check with your local food bank or SPCA. The local one in South Carolina provides food for dogs and cats too. They realize that people who lose their jobs or need money have pets too.

Try writing for Ehow, Bukisa, Associated Content or other programs online. They do bring in an income each month that will cover the necessities that aren’t covered by food stamps.

Look on Craig’s List for free stuff in your area. You can pick up free clothes, furniture and more.

Have a yard sale. Clear out all the old junk in your closet or storage building.  At my last yard sale, things that I thought were total junk sold for pretty good prices.

Plan a clothes swap with your friends. If you can’t afford to shop for new clothes, make a party out of it. Call all your friends, tell everyone to pull the stuff out of their closet that they can’t or don’t wear, bring it and a food dish with them for a clothes swapping party. When they get there, have everyone lay the clothes out, and everyone fills up a bag or two. Sometimes you find a lot of great clothes, accessories or shoes. The best part is it’s all free, it gives you an excuse to visit with your friends and it’s a cheap party. All that you have to provide is drinks (colas, tea or punch – alcohol is too expensive) and a food dish. It’s fun and everyone profits from it!

Plant a salad garden. I know winter is coming, but you can still make a small garden that has salad greens in one big pot. You can put it in a window or a well lit room, and you’ll have free salad greens any time you want it.

Look online to find all of the free stuff to do where you live. You can go to museums, zoos, plays, movies, and local events for free if you hunt online. Businesses list their free stuff to attract more business, so take advantage of it.

Check out the free food at restaurant links on this website.

http://howtosavemoneyinoureconomy.blogspot.com/

 

Ehow link to original article:

http://www.ehow.com/how_5396595_live-well-small-income.html

 

 

Written by strightco

Thrilling and interesting jungle hike with a lot of information about rainforest-Part 4. Tasteful larvas (Larven)!

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