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Do you think that high-deductible health plans with a health savings account (HDHP/HSA) plans will change the habits of individuals? advantages/disadvantages?
Idea: the consumer understands the high costs of the medical expenses (because they have a high individual or family deductible), the consumer will be more thoughtful on whether to use the health insurance. Essentially, it's asking you "do you really need to visit the doctor or should you just take some over-the-counter medication and get some rest." The health savings account allows the employer and you to fund the account to use for the deductible; any monies left in the account at year-end roll over to the next year. The sell is the health individuals will have monies available later on compared to those that continue to use the health plan. The premiums are about $2,000 per year per insured compared to the other plans, even though HDHP/HSA plans are also PPO's or HMO's (or indemnity). Employers are using the savings to help fund the HSA account, but most employees do not know that the employer is saving money because they do not have to pay FICA taxes (Social Security and Medicare). However, unless you belong to a union that has bargained the health insurance plan in your contract, there is no guarantee the employer will fund the HSA, or if they do initially, that they will continue the same amount (or less) in the future.
Predict how most investors are likely to react with their investment decision making in times of turmoil, indicating the effectiveness of such decisions. Provide support for your rationale.
Financial mangers make decisions today that will affect the firm in the future. What are some of the techniques that can be used to adjust for these differences?
What are the monthly payments for a 30 year traditional mortgage?
Show that (2) is a relaxation of (1) if and only if the projection of the epigraph of f' onto (z, x) contains the epigraph of f. 1
She also wants you to share with her the financial reporting requirements. Walk her through that process.
You have your initial investment and the all the cashflows thereafter, he receives 375 dollars at the 4 month and 13 month. Use the NPV formula to get the NPV of the loan.
Calculate the expected returns for Roll and Ross by filling in the following table (verify your answer by expressing returns as percentages as well asdecimals)
select a foreign country and analyze its monetary system. research the countrys monetary system using at least five
A trucking firm suspects that the mean life of a certain tire it uses is less than 35,000 miles. To check the claim, the firm randomly selects and tests 18 of these tires and gets a mean lifetime of 34,350 miles with standard deviation of 1200 mi..
What are the total costs to Charcoal and to 8-Down
If the interest is compounded monthly, what effective annual rate would you earn?
write a six to eight page paper in which youdetermine the most important five 5 skills that a forensic accountant needs
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