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	<title>CalCPA ProtectPlus</title>
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	<link>http://cpaprotectplus.com/blog</link>
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		<title>National Go Red Day 2012</title>
		<link>http://cpaprotectplus.com/blog/2012/02/national-go-red-day-2012/</link>
		<comments>http://cpaprotectplus.com/blog/2012/02/national-go-red-day-2012/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 18:00:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[Healthy Heart]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[American Heart Association]]></category>
		<category><![CDATA[educate]]></category>
		<category><![CDATA[Go Red for Women]]></category>
		<category><![CDATA[women]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4176</guid>
		<description><![CDATA[February 3, 2012 is National Wear Red Day &#8211; a day that Americans learn about and reflect on the dangers of having an unhealthy heart and wear read in support for women&#8217;s heart disease awareness. Back in 2004, the American Heart Association (AHA) knew they had work to do when cardiovascular disease claimed the lives of nearly 500,000 [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cpaprotectplus.com/blog/wp-content/uploads/gored.jpg"><img class="alignleft size-full wp-image-4179" title="gored" src="http://cpaprotectplus.com/blog/wp-content/uploads/gored.jpg" alt="" width="300" height="290" /></a>February 3, 2012 is National Wear Red Day &#8211; a day that Americans learn about and reflect on the dangers of having an unhealthy heart and wear read in support for women&#8217;s heart disease awareness. Back in 2004, the American Heart Association (AHA) knew they had work to do when cardiovascular disease claimed the lives of nearly 500,000 each year. People were not seeing the seriousness of having a healthy heart and knowing what the warning signs were. It was because of this that the American Heart Association created <em>Go Red For Women </em>which was a way to present the facts and provide women with the knowledge and tools they need to take care of their hearts.</p>
<p>With heart disease continuing to be the number one killer of women &#8211; 1 in 3 deaths each year, it is no wonder why the American Heart Association is so passionate about getting their message out about heart health. Below you will find valuable information from the American Heart Association&#8217;s <a href="http://www.goredforwomen.org/">Go Red For Women</a> website that spells out the warning signs of a heart attack in women. It is very important to educate yourself on how to have a healthy heart because you may save not only your own life but you can help your friends and family as well.</p>
<p><strong>Overview</strong></p>
<p>More women die of cardiovascular disease than from the next four causes of death combined, including all forms of cancer. But 80 percent of cardiac events in women could be prevented if women made the right choices for their hearts involving diet, exercise and abstinence from smoking. Make it your mission to learn all you can about heart attacks and stroke — don’t become a statistic. CALL 9-1-1</p>
<p><strong>Heart Attack</strong></p>
<p>A heart attack occurs when the blood flow to a part of the heart is blocked, usually by a blood clot. If this clot cuts off the blood flow completely, the part of the heart muscle supplied by that artery begins to die.</p>
<p><strong>Signs of a Heart Attack:</strong></p>
<ol>
<li>Uncomfortable pressure, squeezing, fullness or pain in the center of your chest. It lasts more than a few minutes, or goes away and comes back.</li>
<li>Pain or discomfort in one or both arms, the back, neck, jaw or stomach.</li>
<li>Shortness of breath with or without chest discomfort.</li>
<li>Other signs such as breaking out in a cold sweat, nausea or lightheadedness.</li>
<li>As with men, women’s most common heart attack symptom is chest pain or discomfort. But women are somewhat more likely than men to experience some of the other common symptoms, particularly shortness of breath, nausea/vomiting and back or jaw pain.</li>
</ol>
<p>If you have any of these signs, don’t wait more than five minutes before calling for help. Call 9-1-1&#8230;Get to a hospital right away.</p>
<p><strong>Stroke</strong></p>
<p>Stroke is the No. 3 cause of death in America. It’s also a major cause of severe, long-term disability. Stroke and TIA (transient ischemic attack) happen when a blood vessel feeding the brain gets clogged or bursts. The signs of a TIA are like a stroke, but usually last only a few minutes. If you have any of these signs, don’t wait more than five minutes before calling for help.</p>
<p>Call 9-1-1 to get help fast if you have any of these, but remember that not all of these warning signs occur in every stroke.</p>
<p><strong>Signs of Stroke and TIAs</strong></p>
<ol>
<li>Sudden numbness or weakness of the face, arm or leg, especially on one side of the body</li>
<li>Sudden confusion, trouble speaking or understanding</li>
<li>Sudden trouble seeing in one or both eyes</li>
<li>Sudden trouble walking, dizziness, loss of balance or coordination</li>
<li>Sudden severe headache with no known cause</li>
</ol>
<p>Also, check the time so you’ll know when the first symptoms appeared. It’s very important to take immediate action. Research from the American Heart Association has shown that if given within three hours of the start of symptoms, a clot-busting can reduce long-term disability for the most common type of stroke.</p>
<p>[<a href="http://www.goredforwomen.org/about_heart_disease_and_stroke.aspx">Information Source</a>,<a href="http://www.utsa.edu/today/images/graphics/gored.jpg"> Image Source</a>]</p>
]]></content:encoded>
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		<title>Who Says You Can&#8217;t Eat Healthy at a Super Bowl Party?</title>
		<link>http://cpaprotectplus.com/blog/2012/02/who-says-you-cant-eat-healthy-at-a-super-bowl-party/</link>
		<comments>http://cpaprotectplus.com/blog/2012/02/who-says-you-cant-eat-healthy-at-a-super-bowl-party/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 18:00:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[healthy recipes]]></category>
		<category><![CDATA[Chili]]></category>
		<category><![CDATA[eating well]]></category>
		<category><![CDATA[Super Bowl]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4186</guid>
		<description><![CDATA[This Sunday many of us are going to be hosting or attending a Super Bowl party. The main thing people are thinking about besides the game will be about the food that will be surrounding them. Below is a delicious recipe from Eating Well that is sure to be a crowd-pleaser.  This chili recipe can serve as the main course during [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cpaprotectplus.com/blog/wp-content/uploads/MB3918.jpg"><img class="alignleft size-medium wp-image-4194" title="MB3918" src="http://cpaprotectplus.com/blog/wp-content/uploads/MB3918-300x300.jpg" alt="" width="300" height="300" /></a>This Sunday many of us are going to be hosting or attending a Super Bowl party. The main thing people are thinking about besides the game will be about the food that will be surrounding them. Below is a delicious recipe from Eating Well that is sure to be a crowd-pleaser.  This chili recipe can serve as the main course during the Super Bowl, but <a href="http://www.eatingwell.com/recipes_menus/collections/super_bowl_1">click here </a>to view some healthy choices for appetizers and desserts to complete your game day menu!</p>
<h5>Ultimate Beef Chili</h5>
<p><em>From EatingWell:  January/February 1999, The Essential EatingWell Cookbook (2004)</em></p>
<p>Offer garnishes, such as reduced-fat sour cream and grated Cheddar cheese (about 1 tablespoon each per person), chopped scallions and chopped fresh tomatoes. Serve with warmed corn tortillas and a green salad topped with orange slices.</p>
<p><strong>12 servings, 1 cup each </strong>| <strong>Active Time:</strong> 1 hour | <strong>Total Time:</strong> 3 1/4 hours</p>
<h5>Ingredients</h5>
<ul>
<li>1 pound beef round, trimmed and cut into 1/2-inch chunks</li>
<li>Salt &amp; freshly ground pepper, to taste</li>
<li>1 1/2 tablespoons canola oil, divided</li>
<li>3 onions, chopped</li>
<li>1 green bell pepper, seeded and chopped</li>
<li>1 red bell pepper, seeded and chopped</li>
<li>6 cloves garlic, minced</li>
<li>2 jalapeno peppers, seeded and finely chopped</li>
<li>2 tablespoons ground cumin</li>
<li>2 tablespoons chili powder</li>
<li>1 tablespoon paprika</li>
<li>2 teaspoons dried oregano</li>
<li>12 ounces dark or light beer</li>
<li>1 28-ounce can diced tomatoes</li>
<li>8 sun-dried tomatoes, (not packed in oil), snipped into small pieces</li>
<li>2 bay leaves</li>
<li>3 19-ounce cans dark kidney beans, rinsed</li>
<li>1/4 cup chopped fresh cilantro</li>
<li>2 tablespoons lime juice</li>
</ul>
<p> </p>
<h5>Preparation</h5>
<ol>
<li>Season beef with salt and pepper. Heat 1 1/2 teaspoons oil in a Dutch oven over medium-high heat. Add half the beef and cook, stirring occasionally, until browned on all sides, 2 to 5 minutes. Transfer to a plate lined with paper towels. Repeat with another 1 1/2 teaspoons oil and remaining beef.</li>
<li>Reduce heat to medium and add remaining 1 1/2 teaspoons oil to the pot. Add onions and bell peppers; cook, stirring frequently, until onions are golden brown, 10 to 20 minutes. Add garlic, jalapenos, cumin, chili powder, paprika and oregano. Stir until aromatic, about 2 minutes.</li>
<li>Add beer and simmer, scraping up any browned bits, for about 3 minutes. Add diced tomatoes, sun-dried tomatoes, bay leaves and reserved beef. Cover and simmer, stirring occasionally, until beef is very tender, 1 1/2 to 2 hours.</li>
<li>Add beans; cook, covered, stirring occasionally, until chili has thickened, 30 to 45 minutes. Remove bay leaves. Stir in cilantro and lime juice. Adjust seasoning with salt and pepper.</li>
</ol>
<p> </p>
<h5>Tips &amp; Notes</h5>
<ul>
<li><strong>Make Ahead Tip</strong>: Cover and refrigerate for up to 2 days or freeze for up to 2 months.</li>
</ul>
<ul>
<li>For a hot, smoky chili, add 1 tablespoon chopped chipotle pepper in adobo sauce.</li>
</ul>
<p> </p>
<h5>Nutrition</h5>
<p>Per serving: 235 Calories; 5 g Fat; 1 g Sat; 2 g Mono; 24 mg Cholesterol; 31 g Carbohydrates; 17 g Protein; 11 g Fiber; 496 mg Sodium; 582 mg Potassium</p>
<p>Nutrition Bonus: 52 mg vitamin c (90% dv), 38% dv fiber, 35% dv vitamin a, 4 mg iron (20% dv).</p>
<p>Carbohydrate Serving: 1 1/2</p>
<p>Exchanges: 1 starch, 1 1/2 vegetable, 2 1/2 lean meat</p>
<p>[<a href="http://www.eatingwell.com/recipes/ultimate_beef_chili.html">Information Source</a>, <a href="http://www.eatingwell.com/sites/default/files/imagecache/standard/recipes/MB3918.JPG">Image Source</a>]</p>
]]></content:encoded>
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		<title>Have Your Blood Pressure Readings in Both Arms</title>
		<link>http://cpaprotectplus.com/blog/2012/02/have-your-blood-pressure-readings-in-both-arms/</link>
		<comments>http://cpaprotectplus.com/blog/2012/02/have-your-blood-pressure-readings-in-both-arms/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:00:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blood Pressure]]></category>
		<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[Healthy Heart]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[blood pressure]]></category>
		<category><![CDATA[both arms]]></category>
		<category><![CDATA[heart disease]]></category>
		<category><![CDATA[mercury]]></category>
		<category><![CDATA[peripheral artery disease]]></category>
		<category><![CDATA[readings]]></category>
		<category><![CDATA[The Lancet]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4159</guid>
		<description><![CDATA[A recent study, published in The Lancet, shows that in order to get an accurate blood pressure reading, doctors should take the patient&#8217;s blood pressure in both the right and left arm. The findings showed that there was a difference in systolic blood pressure between the two arms &#8211; about 15 milimeters of mercury (mm [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cpaprotectplus.com/blog/wp-content/uploads/Blood_Pressure.jpg"><img class="alignleft size-full wp-image-4160" title="Blood_Pressure" src="http://cpaprotectplus.com/blog/wp-content/uploads/Blood_Pressure.jpg" alt="" width="300" height="229" /></a>A recent study, published in <a href="http://www.thelancet.com/journals/lancet/article/PIIS0140-6736%2811%2961926-0/fulltext">The Lancet</a>, shows that in order to get an accurate blood pressure reading, doctors should take the patient&#8217;s blood pressure in both the right and left arm. The findings showed that there was a difference in systolic blood pressure between the two arms &#8211; about 15 milimeters of mercury (mm Hg). This difference in the blood pressure is linked to an increased risk of peripheral artery disease (PAD) which is a condition where there is a narrowing of the arteries, especially in the legs and feet. The 15 millimeters difference of mercury in the two arms means the individual is 2.5 times more likely to have PAD and the risk of cerebrovasular disease is 1.6 times higher. It was also associated with a 70% greater risk of dying from heart disease.</p>
<p>The Lancet study brings out the fact that there already is an existing guideline for doctors showing that they should always take blood pressure readings from both arms. Dr. Christopher Clark, the lead author in the study said,  &#8221;Recommendations to measure both arms exist in both British and American blood pressure managment guidelines.&#8221; He goes on to say, &#8220;This is out there as guidance, but it&#8217;s guidance that isn&#8217;t regularly followed.&#8221; A difference of just 10 millimeters was enough to raise the risk of peripheral vasular disease so having the difference of 15 millimeters should be enough to make more doctors pay attention to the guidelines.</p>
<p>Why would there be a difference in readings between the two arms? The authors of the study hypothesized that it could be the narrowing or hardening of a person&#8217;s arteries, especially on one side of their body.</p>
<p>Dr. Clark said, &#8220;If we don&#8217;t know to measure both arms, we&#8217;re not going to make the right diagnosis and the right treatment choices for our patients.&#8221; Since many doctors only measure one arm, the next time you visit your doctor, make sure to remind them to take your blood pressure readings in both arms. By doing this you are ensuring that you will receive the most accurate readings and more likely a correct diagnosis.</p>
<p>[<a href="http://www.foxnews.com/health/2012/01/30/blood-pressure-check-in-both-arms-could-catch-silent-disease/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+foxnews%2Fhealth+(Internal+-+Health+-+Text)">Information Source</a>, <a href="http://www.peoplespharmacy.com/siteassets/Blood_Pressure.jpg">Image Source</a>]</p>
]]></content:encoded>
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		<title>Watch Obama&#8217;s Weekly Address: President&#8217;s Blueprint Includes Renewal of American Values</title>
		<link>http://cpaprotectplus.com/blog/2012/01/watch-obamas-weekly-address-presidents-blueprint-includes-renewal-of-american-values/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/watch-obamas-weekly-address-presidents-blueprint-includes-renewal-of-american-values/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 18:00:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[blueprint]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[President]]></category>
		<category><![CDATA[State of the Union]]></category>
		<category><![CDATA[weekly address]]></category>
		<category><![CDATA[white house]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4145</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[<p><iframe width="560" height="349" src="http://www.youtube.com/embed/J6NopOWj5dg" frameborder="0" allowfullscreen></iframe></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Medicare Costs in 2012 (1 of 2)</title>
		<link>http://cpaprotectplus.com/blog/2012/01/medicare-costs-in-2012-1-of-2/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/medicare-costs-in-2012-1-of-2/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 18:00:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Part A]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[2012 Costs]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4060</guid>
		<description><![CDATA[The Medicare.gov website provides a wealth of information to those that need help understanding the many facets of how Medicare works. On occassion we post helpful information from Medicare&#8217;s website. Below you will find two charts &#8211; one that provides an overview of Medicare monthly premiums and one that provides the costs of Medicare Part A [...]]]></description>
			<content:encoded><![CDATA[<p>The Medicare.gov website provides a wealth of information to those that need help understanding the many facets of how Medicare works. On occassion we post helpful information from Medicare&#8217;s website. Below you will find two charts &#8211; one that provides an overview of Medicare monthly premiums and one that provides the costs of Medicare Part A costs in 2012. Over the next couple of weeks we will share information from the Medicare website regarding Medicare Part B (medical insurance) costs as well as Medicare prescription drug plans (Part D) premiums. We hope you find this information beneficial. To find more useful tools from Medicare, <a href="http://www.medicare.gov/default.aspx">click here </a>to visit their site.</p>
<table border="4" cellspacing="3" cellpadding="4" width="498" bordercolor="#999999">
<tbody>
<tr bgcolor="#ccffff" bordercolor="#ece9d8">
<th colspan="2" height="40" scope="col">Medicare Monthly Premiums</th>
</tr>
<tr bgcolor="#ccffff">
<th width="188" height="40" scope="col">
<div class="style3">Type of Monthyly Premium</div>
</th>
<th width="273" scope="col">
<div class="style3">Amount of Monthly Premium</div>
</th>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part A monthly premium (for people who pay a premium)</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6">$451</p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part A Late Enrollment Penalty</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6">+10%</p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part B monthly premium</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6">$99.90 <a href="http://www.socialsecurity.gov/pubs/10536.html">Higher-income consumers may pay more</a></p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part B Late Enrollment Penalty</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6">+10% for each full 12-month period that you could have Part B, but didn&#8217;t sign up for it</p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part C monthly premium</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><a href="https://www.medicare.gov/find-a-plan/questions/home.aspx">Varies by plan</a></p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part D monthly premium</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><a href="https://www.medicare.gov/find-a-plan/questions/home.aspx">Varies by plan </a></p>
<p class="style6"><a href="http://www.socialsecurity.gov/pubs/10536.html">Higher-income consumers may pay more</a></p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Part D Late Enrollment Penalty</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><a href="http://www.medicare.gov/navigation/medicare-basics/medicare-benefits/part-d.aspx#PartDPenalty">Depends on how long you went without creditable prescription drug coverage</a></p>
</td>
</tr>
</tbody>
</table>
<p> </p>
<table border="4" cellspacing="3" cellpadding="4" width="496" bordercolor="#999999">
<tbody>
<tr bgcolor="#ccffff" bordercolor="#ece9d8">
<th colspan="2" height="40" scope="col">Medicare Part A (Hospital Insurance) Costs<br />
Part A Services</th>
</tr>
<tr bgcolor="#99ffff">
<th width="155" height="40" scope="col">
<div class="style3">Services</div>
</th>
<th width="304" scope="col">
<div class="style3">You Pay</div>
</th>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Blood</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6">In most cases, the hospital gets blood from a blood bank at no charge, and you won&#8217;t have to pay for it or replace it. If the hospital has to buy blood for you, you must either pay the hospital costs for the first 3 units of blood you get in a calendar year or have the blood donated.</p>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Home Health Care</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><strong>You pay:</strong></p>
<ul>
<li>$0 for home health care services</li>
<li>20% of the Medicare-approved amount for durable medical equipment</li>
</ul>
</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Hospice Care</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><strong>You pay:</strong></p>
<ul>
<li>$0 for hospice care</li>
<li>A copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management</li>
<li>5% of the Medicare-approved amount for inpatient respite care (short-term care given by another caregiver, so the usual caregiver can rest)</li>
</ul>
<p>Medicare doesn&#8217;t cover room and board when you get hospice care in your home or another facility where you live (like a nursing home).</td>
</tr>
<tr>
<td bordercolor="#ece9d8">
<p class="style6">Hospital Inpatient Stay</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><strong>You pay:</strong></p>
<ul>
<li>$1,156 deductible per benefit period</li>
<li>$0 for the first 60 days of each benefit period</li>
<li>$289 per day for days 61-90 of each benefit period</li>
<li>$578 per &#8220;lifetime reserve day&#8221; after day 90 of each benefit period(up to a maximum of 60 days over your lifetime)</li>
</ul>
</td>
</tr>
<tr>
<td height="82" bordercolor="#ece9d8">
<p class="style6">Skilled Nursing Facility Stay</p>
</td>
<td bordercolor="#ece9d8">
<p class="style6"><strong>You pay:</strong></p>
<ul>
<li>$0 for the first 20 days each benefit period</li>
<li>$144.50 per day for days 21-100 each benefit period</li>
<li>$All costs for each day after day 100 in a benefit period</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p> Note: If you&#8217;re in a Medicare Advantage Plan, costs vary by plan and may be either higher or lower than those noted above.  Review the Evidence of Coverage from your plan.</p>
]]></content:encoded>
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		<title>W-2 Reporting &#8211; IRS Releases Notice 2012-09</title>
		<link>http://cpaprotectplus.com/blog/2012/01/w-2-reporting-irs-releases-notice-2012-09/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/w-2-reporting-irs-releases-notice-2012-09/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 18:00:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Banyan Administrators]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[benefit programs]]></category>
		<category><![CDATA[employee assistance programs]]></category>
		<category><![CDATA[Health Care Reform Act]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Notice 2012-09]]></category>
		<category><![CDATA[W-2 Reporting]]></category>
		<category><![CDATA[wellness programs]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4096</guid>
		<description><![CDATA[Banyan Administrators continues to provide us with beneficial information about several different aspects of the Health Care Reform and how it affects us. Over the next months and years, employers will be faced with numerous changes, many of which require regulatory clarification. Banyan will continue to keep us up to date and on target with [...]]]></description>
			<content:encoded><![CDATA[<p>Banyan Administrators continues to provide us with beneficial information about several different aspects of the Health Care Reform and how it affects us. Over the next months and years, employers will be faced with numerous changes, many of which require regulatory clarification. Banyan will continue to keep us up to date and on target with decisions that affect our plans.</p>
<p><em>The following information is from Banyan Administrators:</em></p>
<h3>News</h3>
<h4>W2 Reporting IRS Releases Notice 2012-09</h4>
<p>On January 2, 2012, the IRS released Notice 2012-09 which updates and amends Notice 2011-28 regarding the reporting of employer-sponsored group health plan on the 2012 W-2 Forms as required by the Health Care Reform Act.  Notice 2012-09 does not change the reporting requirement for employers, but, does provide additional guidance and clarification on certain topics.  Some highlights of the new Notice includes: </p>
<ul>
<li>Clarification of the interim relief reporting requirement for employers filing fewer than 250 Forms W-2.</li>
<li>The cost of coverage for employee assistance programs (EAP), wellness programs, or on-site medical clinics do not have to be reported if the employer does not charge a premium with respect to that type of coverage provided under COBRA to a qualifying beneficiary.</li>
<li>Employers <em><span style="text-decoration: underline;">may</span></em> include the cost of coverage for benefit programs, such as Health Reimbursement Accounts, that are excluded from the reporting requirement and clarification on how to calculate the cost.</li>
<li>Clarification on other unique situations such as if a pay period extends over the end of the tax year on December 31<sup>st</sup>, if a composite rate is charges for active employees but not for COBRA qualified beneficiaries, if certain related employers are not using a common paymaster, etc. </li>
</ul>
<p><a href="http://www.irs.gov/pub/irs-drop/n-12-09.pdf" target="_blank">To view IRS Notice 2012-09, please click here.</a></p>
<h4>Health Care Reform W2 Reporting Interim Final Rules</h4>
<p><strong>What You Need to Know Now About: W-2 Reporting</strong></p>
<p>On March 31, 2011, the Internal Revenue Service (IRS) released the 19-page Interim Final Rules on the Health Care Reform W-2 reporting requirements. The IRS is still taking comments on the rules for the next 60 days. </p>
<p>1.       What needs to be reported on the W-2 form?</p>
<p>Employers must report the costs for a group health plan. This does not include dental and vision plans unless the plans are integrated in the group health plan. Disability and long term care plans are also excluded from the reporting requirement.</p>
<p>2.       How do I determine the cost for the group health plan?</p>
<p>The cost includes both the employee contribution and employer contribution. Employers with fully-insured health plans should use the monthly premium rate. Employers with self-funded health plans should use the COBRA premium equivalent rates less the 2% administrative fee. Employer contributions into Medical Savings Accounts (MSA), Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA) and, in most instances, Flexible Spending Accounts (FSA) are excluded.</p>
<p>3.       Where do I enter this information on the W-2 Form?</p>
<p>The information is entered in Box 12 on the W-2 form using code DD.</p>
<p>4.       Will the amount be included as taxable income for my employee?</p>
<p>No it will not. The first page, first bullet of the IRS Interim Final Rules state, “This reporting to employees is for their <span style="text-decoration: underline;"><em>information only</em></span>, to inform them of the cost of their health care coverage, and <span style="text-decoration: underline;"><em>does not cause</em></span> excludable employer-provided health care coverage to become taxable.”</p>
<p>5.       When do I have to be ready to comply with the new W-2 reporting requirement?</p>
<p>If you issue more than 250 W-2 forms for tax year 2011, you are required to comply with the new requirement for the 2012 tax year W-2 forms that are distributed to employees in January, 2013. You do have the option to comply earlier, if desired. However, remember that a terminating employee in calendar year 2012 can ask for an early W-2 so, in reality, you will need to be ready to comply as early as January, 2012.</p>
<p>Employers that issue 250 or fewer W-2 forms for tax year 2011 can receive “transition relief” from this requirement until January, 2014.</p>
<p><strong> </strong></p>
<p>[<a href="http://banyan-llc.com/bc/bc.nsf/hcr/Health-Care-Reform-W2-Reporting-Interim-Final-Rules">Information Source</a>]</p>
]]></content:encoded>
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		<title>Watch Obama&#8217;s Weekly Address: Helping American Businesses Succeed</title>
		<link>http://cpaprotectplus.com/blog/2012/01/watch-obamas-weekly-address-helping-american-businesses-succeed/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/watch-obamas-weekly-address-helping-american-businesses-succeed/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 18:00:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[creating jobs]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Made in America]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[President]]></category>
		<category><![CDATA[weekly address]]></category>
		<category><![CDATA[white house]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4051</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[<p><iframe width="560" height="349" src="http://www.youtube.com/embed/7PNDCZjH758" frameborder="0" allowfullscreen></iframe></p>
]]></content:encoded>
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		<title>Understanding Blood Pressure Readings</title>
		<link>http://cpaprotectplus.com/blog/2012/01/understanding-blood-pressure-readings/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/understanding-blood-pressure-readings/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 18:00:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blood Pressure]]></category>
		<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[Health Terms]]></category>
		<category><![CDATA[Healthy Heart]]></category>
		<category><![CDATA[American Heart Association]]></category>
		<category><![CDATA[blood pressure]]></category>
		<category><![CDATA[diastolic]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[heart]]></category>
		<category><![CDATA[systolic]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=3981</guid>
		<description><![CDATA[The following information is from the American Heart Association and explains how to understand blood pressure readings which is very important if we are to monitor our health. It is especially important to understand these numbers if we suffer from high or low blood pressure as well as other health conditions. Step 1:  About High [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cpaprotectplus.com/blog/wp-content/uploads/2502_bp_250.jpg"><img class="alignleft size-full wp-image-4048" title="Pair of Human Hands Checking the Blood Pressure of a Patient" src="http://cpaprotectplus.com/blog/wp-content/uploads/2502_bp_250.jpg" alt="" width="250" height="250" /></a>The following information is from the American Heart Association and explains how to understand blood pressure readings which is very important if we are to monitor our health. It is especially important to understand these numbers if we suffer from high or low blood pressure as well as other health conditions.</p>
<p><strong>Step 1:  About High Blood Pressure – Understanding Blood Pressure Readings </strong></p>
<p>What do the blood pressure numbers mean?</p>
<p>Blood pressure is typically recorded as two numbers, written as a ratio like this: 117/76 mm Hg (read as &#8220;117 over 76 millimeters of mercury&#8221;.</p>
<p><strong><span style="text-decoration: underline;">Systolic</span></strong></p>
<p>The top number, which is also the higher of the two numbers, measures the pressure in the arteries when the heart beats (when the heart muscle contracts).</p>
<p><strong><span style="text-decoration: underline;">Diastolic</span></strong></p>
<p>The bottom number, which is also the lower of the two numbers, measures the pressure in the arteries between heartbeats (when the heart muscle is resting between beats and refilling with blood).</p>
<p><strong>What is the AHA recommendation for healthy blood pressure?</strong></p>
<p>This chart reflects blood pressure categories defined by the American Heart Association.</p>
<table border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td width="162" valign="top">
<h5><strong>Blood Pressure Category</strong></h5>
</td>
<td width="150" valign="top">
<h5><strong>Systolic</strong><strong>mm Hg (upper#)</strong> <strong> </strong></h5>
</td>
<td width="48" valign="top">
<h5><strong> </strong></h5>
</td>
<td width="156" valign="top">
<h5><strong>Diastolic</strong><strong>mm Hg (lower #)</strong></h5>
</td>
</tr>
<tr>
<td width="162" valign="top">
<h6>Normal</h6>
</td>
<td width="150" valign="top">
<h6>Less than 120</h6>
</td>
<td width="48" valign="top">
<h6>and</h6>
</td>
<td width="156" valign="top">
<h6>Less than 80</h6>
</td>
</tr>
<tr>
<td width="162" valign="top">
<h6>Prehypertension</h6>
</td>
<td width="150" valign="top">
<h6>120 – 139</h6>
</td>
<td width="48" valign="top">
<h6>or</h6>
</td>
<td width="156" valign="top">
<h6>80 – 89</h6>
</td>
</tr>
<tr>
<td width="162" valign="top">
<h6>High Blood Pressure(Hypertension) Stage 1</h6>
</td>
<td width="150" valign="top">
<h6>140 – 159</h6>
</td>
<td width="48" valign="top">
<h6>or</h6>
</td>
<td width="156" valign="top">
<h6>90 – 99</h6>
</td>
</tr>
<tr>
<td width="162" valign="top">
<h6>High Blood Pressure(Hypertension) Stage 2</h6>
</td>
<td width="150" valign="top">
<h6>160 or higher</h6>
</td>
<td width="48" valign="top">
<h6>or</h6>
</td>
<td width="156" valign="top">
<h6>100 or higher</h6>
</td>
</tr>
<tr>
<td width="162" valign="top">
<h6>Hypertensive Crisis(Emergency care needed)</h6>
</td>
<td width="150" valign="top">
<h6>Higher than 180</h6>
</td>
<td width="48" valign="top">
<h6>or</h6>
</td>
<td width="156" valign="top">
<h6>Higher than 110</h6>
</td>
</tr>
</tbody>
</table>
<p>* Your doctor should evaluate unusually low blood pressure readings.</p>
<p><strong>How is high blood pressure diagnosed?</strong></p>
<p>Your healthcare providers will want to get an accurate picture of your blood pressure and chart what happens over time. Starting at age 20, the American Heart Association recommends a blood pressure screening at your regular healthcare visit or once every 2 years, if your blood pressure is less than 120/80 mm Hg.</p>
<p>Your blood pressure rises with each heartbeat and falls when your heart relaxes between beats. While BP can change from minute to minute with changes in posture, exercise, stress or sleep, <strong>it should normally be less than 120/80 mm Hg (less than 120 systolic AND less than 80 diastolic) for an adult age 20 or over</strong>. About one in three (33.5%) U.S. adults has high blood pressure.</p>
<p><strong>If your blood pressure reading is higher than normal</strong>, <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/SymptomsDiagnosisMonitoringofHighBloodPressure/Symptoms-Diagnosis-Monitoring-of-High-Blood-Pressure_UCM_002053_Article.jsp">your doctor may take several readings over time</a> and/or have you <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/SymptomsDiagnosisMonitoringofHighBloodPressure/Home-Blood-Pressure-Monitoring_UCM_301874_Article.jsp">monitor your blood pressure at home</a> before <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/SymptomsDiagnosisMonitoringofHighBloodPressure/How-High-Blood-Pressure-is-Diagnosed_UCM_301873_Article.jsp">diagnosing</a> you with high blood pressure.</p>
<p><strong>A single high reading does not necessarily mean that you have high blood pressure.</strong> However, if readings stay at 140/90 mm Hg or above (systolic 140 or above OR diastolic 90 or above) over time, your doctor will likely want you to begin a <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/PreventionTreatmentofHighBloodPressure/Prevention-Treatment-of-High-Blood-Pressure_UCM_002054_Article.jsp">treatment program</a>. Such a program almost always includes lifestyle changes and often prescription medication for those with readings of 140/90 or higher.</p>
<p>If, while monitoring your blood pressure, you get a systolic reading of 180 mm Hg or higher OR a diastolic reading of 110 mm HG or higher, wait a couple of minutes and take it again. If the reading is still at or above that level, you should seek immediate emergency medical treatment for a <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/AboutHighBloodPressure/Hypertensive-Crisis_UCM_301782_Article.jsp">hypertensive crisis</a>.</p>
<p>Even if your blood pressure is normal, you should consider making lifestyle modifications to <a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/PreventionTreatmentofHighBloodPressure/Prevention-Treatment-of-High-Blood-Pressure_UCM_002054_Article.jsp">prevent</a> the development of HBP and improve your heart health.</p>
<p><strong>Which number is more important, top (systolic) or bottom (diastolic)?</strong></p>
<p>Typically more attention is given to the top number (the systolic blood pressure) as a major risk factor for cardiovascular disease for people over 50 years old. In most people, systolic blood pressure rises steadily with age due to increasing stiffness of large arteries, long-term build-up of plaque, and increased incidence of cardiac and vascular disease.</p>
<p>[<a href="http://www.heart.org/HEARTORG/Conditions/HighBloodPressure/AboutHighBloodPressure/Understanding-Blood-Pressure-Readings_UCM_301764_Article.jsp">Information Source</a>, <a href="http://www.virtualmedicalcentre.com/uploads/VMC/PageImages/2502_bp_250.jpg">Image Source</a>]</p>
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		<title>Pear-Cranberry Pie with Oatmeal Streusel</title>
		<link>http://cpaprotectplus.com/blog/2012/01/pear-cranberry-pie-with-oatmeal-streusel-2/</link>
		<comments>http://cpaprotectplus.com/blog/2012/01/pear-cranberry-pie-with-oatmeal-streusel-2/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 18:00:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[healthy recipes]]></category>
		<category><![CDATA[cranberry]]></category>
		<category><![CDATA[desserts]]></category>
		<category><![CDATA[pear]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=3998</guid>
		<description><![CDATA[This delicious winter dessert from cookinglight.com is sure to please. Enjoy! If you can&#8217;t find fresh cranberries, use thawed frozen ones. A prepared pie shell yields a stellar dessert with little effort. Serve with vanilla ice cream. YIELD: 12 servings (serving size: 1 wedge) COURSE: Desserts, Pies/Pastries Ingredients Streusel: 3/4 cup regular oats 1/2 cup packed light [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://cpaprotectplus.com/blog/wp-content/uploads/0711p175-pie-l.jpg"><img class="size-medium wp-image-3999 alignright" title="0711p175-pie-l" src="http://cpaprotectplus.com/blog/wp-content/uploads/0711p175-pie-l-300x300.jpg" alt="" width="300" height="300" /></a></p>
<div>
<p>This delicious winter dessert from cookinglight.com is sure to please. Enjoy!</p>
<p>If you can&#8217;t find fresh cranberries, use thawed frozen ones. A prepared pie shell yields a stellar dessert with little effort. Serve with vanilla ice cream.</p>
</div>
<p><strong>YIELD:</strong> 12 servings (serving size: 1 wedge)</p>
<p><strong>COURSE:</strong> Desserts, Pies/Pastries</p>
<p><strong>Ingredients</strong></p>
<ul>
<li>Streusel:</li>
<li>3/4 cup regular oats</li>
<li>1/2 cup packed light brown sugar</li>
<li>1/2 teaspoon ground cinnamon</li>
<li>1/4 teaspoon ground nutmeg</li>
<li>Dash of salt</li>
<li>2 tablespoons chilled butter, cut into small pieces</li>
<li>Filling:</li>
<li>3 cups (1/2-inch) cubed peeled Anjou pear (2 large)</li>
<li>2 cups fresh cranberries</li>
<li>2/3 cup packed light brown sugar</li>
<li>2 1/2 tablespoons cornstarch</li>
<li>Remaining ingredient:</li>
<li>1 unbaked 9-inch deep-dish pastry shell</li>
</ul>
<p><strong>Preparation</strong></p>
<div>
<p>Preheat oven to 350°.</p>
<p>To prepare streusel, combine first 5 ingredients in a medium bowl; cut in butter with a pastry blender or 2 knives until mixture resembles coarse meal.</p>
<p>To prepare filling, combine pear, cranberries, 2/3 cup brown sugar, and cornstarch in a large bowl; toss well to combine. Spoon pear mixture into pastry shell; sprinkle streusel over pear mixture. Bake at 350° for 1 hour or until bubbly and streusel is browned. Cool at least 1 hour on a wire rack.</p>
</div>
<div>
<p><strong>Nutritional Information</strong></p>
<p><strong>Amount per serving</strong></p>
<ul>
<li>Calories: 240</li>
<li>Calories from fat: 31%</li>
<li>Fat: 8.2g</li>
<li>Saturated fat: 2.4g</li>
<li>Monounsaturated fat: 3.1g</li>
<li>Polyunsaturated fat: 0.8g</li>
<li>Protein: 1.6g</li>
<li>Carbohydrate: 41.5g</li>
<li>Fiber: 2.4g</li>
<li>Cholesterol: 5mg</li>
<li>Iron: 0.8mg</li>
<li>Sodium: 118mg</li>
<li>Calcium: 27mg</li>
</ul>
</div>
<p><a href="http://www.myrecipes.com/healthy-diet/healthy-nutrition-guidelines-00420000003306/">Nutrition Guidelines for Healthy Living</a></p>
<p>[<a href="http://www.myrecipes.com/recipe/pear-cranberry-pie-with-oatmeal-streusel-10000001673034/">Information Source</a>, <a href="http://img4.cookinglight.com/i/2007/11/0711p175-pie-l.jpg?400:400">Image Source</a>]<!-- end nutritional info --></p>
<p>Cooking Light NOVEMBER 2007</p>
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		<title>Watch Obama&#8217;s Weekly Address: Ensuring a Fair Shot for the Middle Class</title>
		<link>http://cpaprotectplus.com/blog/2011/12/watch-obamas-weekly-address-ensuring-a-fair-shot-for-the-middle-class/</link>
		<comments>http://cpaprotectplus.com/blog/2011/12/watch-obamas-weekly-address-ensuring-a-fair-shot-for-the-middle-class/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 18:00:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[consumer watchdog]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Middle Class]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[President]]></category>
		<category><![CDATA[Wall Street Reform]]></category>
		<category><![CDATA[weekly address]]></category>

		<guid isPermaLink="false">http://cpaprotectplus.com/blog/?p=4015</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[<p><iframe width="560" height="349" src="http://www.youtube.com/embed/FDa3Gmq36wM" frameborder="0" allowfullscreen></iframe></p>
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	</channel>
</rss>

