The Affordable Care Act Explained

October 10, 2013 – 9:00 am

The Affordable Care Act (ACA), aka ObamaCare, was signed into law on March 23, 2010. It is the most significant overhaul in the U.S. healthcare system in almost 50 years.

Healthcare costs in the U.S. have recently increased by over 9% a year. Affordable insurance is defined as costing no more than 8% of a person’s annual income, if purchased through the federal government website, or 9.5% of family income when purchased through an employer.

ACA 101

The majority of the ACA takes effect by January 1, 2014. The law encourages medical insurance coverage for all Americans and calls for reform in many areas of the U.S. healthcare system.

About 15% of Americans are uninsured. The ACA makes health insurance affordable and reduces the overall cost of healthcare. It caps out-of-pocket costs and fully covers all preventive care.

The Law

The ACA contains ten titles, each of which addresses a different area of the healthcare system. Highlights of the law include:

  • Americans must have health insurance coverage or pay a fee
  • Pre-existing illnesses will not exclude a person from coverage
  • Insurance companies will no longer pay a fee-for-service; payment is based on the quality of care delivered
  • Preventive medicine including yearly physicals, maternity care, mental health care, mammograms and colonoscopies will be provided at no out-of-pocket cost
  • Elimination of co-payments for preventive care and better access to generic drugs for seniors
  • Scholarships and loan repayment programs to help students entering healthcare fields will save billions of dollars
  • Improved nursing home regulations and standards

The Impact of ACA

Individuals

Most Americans must have health coverage in 2014 or pay and Individual Mandate or fee on their federal income tax return. The fee is: $95 per adult, $47.50 per child or 1% of the individual’s income, whichever is higher.

Exemptions from participation in the federal program include those on Medicare, Medicaid, COBRA, VA health coverage and job-based, personally purchased or retiree insurance. No coverage change needs to be made for any of these plans.

October 1, 2013 through March 31, 2014 is open enrollment on the federal Health Insurance Marketplace. Individual Americans making $45,960 or $94,200 for a family of four can shop for coverage options on the Marketplace. Young adults can stay on their parent’s health insurance until they are 26 years old.

The cost for medical insurance from the Marketplace averages under $100 for about half of the population. Smokers will pay up to 50% higher premiums than non-smokers.

Healthcare Institutions

Healthcare institutions and medical professionals are paid incentives by health insurance companies if they improve the quality of care. Keeping patients healthier through preventive care is an important component of the law.

On the Job Scene

The ACA changes insurance payments, especially Medicare, to hospitals and other healthcare institutions from a fee-for-service to an incentive for the delivery of quality medical care. This is a major step towards controlling healthcare costs.

Medicaid payments will be increased to match the fees that Medicare pays out to doctors. This represents an average 73% pay increase for primary care physicians. This change will help Medicaid patients more easily find a doctor who accepts their insurance.

More financial support for advanced practice and general nursing education will be available for nurses. There is a grant program to fund nurse-managed, specifically nurse practitioners, health clinics that will help alleviate the shortage of primary care physicians in the country.

Nurses working in hospitals will witness a higher census. Adequate nursing staff levels are needed to prevent patient complications. The ACA bases fiscal reimbursement to healthcare institutions on improved patient care and a lowered number of readmissions.

The End Result

The ACA provides all Americans with health insurance. It is the law or a tax is incurred.

 



About WAHM

Raising Breast Cancer Awareness

October 1, 2013 – 11:03 am

Breast cancer is the second leading cause of death in women in the United States. According to the American Cancer Society (ACS), about 232,340 new cases of invasive breast cancer and 64,640 new cases of carcinoma in situ (CIS) are diagnosed every year. About 1 in 8 women born in the U.S. today will develop breast cancer during their lifetime and there are about 39,620 deaths from breast cancer per year.

Breast Information Basics

The female breast has three basic components: glands, ducts and connective tissue. They each serve a specific purpose:

  • Glands or lobules produce milk.
  • Ducts carry milk to the nipple.
  • Connective tissue, which is a combination of fibrous and fatty tissue, actually holds the breast together.

Breast composition differs between women.

Breast Cancer 101

There are different types of breast cancer, depending upon where in the breast the disease starts. It can start in the ducts or in the lobes of the breast.

The different kinds of breast cancer include:

  • Ductal carcinoma is the most common. It starts in the cells that line the milk ducts. This type of breast cancer can be in situ (confined to the milk ducts) or invasive (spread to other areas of the breast)
  • Lobular carcinoma begins in the lobes of the breast or the glands that produce milk. This type of breast cancer is also qualified as in situ or invasive.
  • There are other uncommon types of breast cancer including inflammatory breast cancer and Paget?s disease of the nipple.

Both types of invasive breast cancer can metastasize or spread to other parts of the body.

According to experts, new breast cancer cases have stabilized since 2005. The survival rates are better. Why? There are more targeted treatments, earlier detection and better breast awareness. The National Breast Cancer Awareness Month (NBCAM) has effectively impacted this effort.

National Breast Cancer Awareness Month (NBCAM)

Over the past 29 years, October has been the designated National Breast Cancer Awareness Month (NBCAM). It is a time for raising awareness, continuing to educate the public and raising funds needed to continue the ongoing research throughout the year.

There are important objectives for National Breast Cancer Awareness Month:

  • Raise awareness of the importance of breast cancer screening
  • Make the public understand that early detection is critical to effective outcomes

NBCAM is a collaborative educational effort among national public service organizations, professional medical organizations and government agencies. The American Cancer Society and the pharmaceutical giant, now AstraZeneca, were the primary founders.

Today, the Breast Cancer Research Foundation and the Susan G. Komen Foundation, with their symbolic pink ribbon campaigns, are major contributors to NBCAM.

The Recommendations

The most effective diagnostic tool in the fight against of breast cancer is mammography. NBCAM is an effective forum to spread the word about the importance of regular mammograms. According to the ACS:

  • Annual mammograms should start at age 40 and continue for as along as a woman is healthy.
  • Clinical breast exams (CBE) should be done about every 3 years for women in the 20s and 30s and every year for those 40 and older.
  • Less than 2% of women in the U.S. qualify for an annual MRI, in addition to a mammogram, due to family history, genetics or other individual factors.

The Celebration and Events

In addition to educational information and awareness of the importance of mammography and early detection, NBCAM is an opportunistic time to raise funds for breast cancer research. Some of the nationwide fundraising events include:

  • Susan G. Komen 3-Day For the Cure
  • ACS Making Strides Against Breast Cancer Walks
  • The National Race for the Cure

The third Friday in October every year is National Mammography Day. This year, the day falls on October 18th.

Annual breast cancer screening with a mammogram after age 40 is an important diagnostic tool in the fight against the disease. Regular screening leads to early detection and early detection leads to better outcomes.



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Goals are Dreams with a Deadline

August 19, 2013 – 9:40 am

Tony Robbins says, ”Goals are Dreams with a Deadline.” In other words, it’s fine to dream of owning an island in the Pacific, but what are your chances of ever actually doing it? Dreaming is fun, but goal setting is actually serious business.

Your goals must be realistic, and something you truly believe you can achieve. As Tony Robbins says, our goals must have a deadline by which you plan to reach them. Your goals also should be specific, measurable targets. Instead of saying, “I want to be financially secure,” specify, “I will make 100 sales by this Christmas.”

If you are a contractor using a blueprint to build an apartment building, you have specific tasks to complete by a certain date. You would complete one step and then move on to the next, with the end goal of finishing the entire building by a certain date.  You would dig out the hole for the foundation, and then you would pour the foundation. You would build the frame, and then continue each neccesary task until your building is complete. Use small goals as a blueprint to achieve your larger goal.

Determine what steps you’ll have to reach to achieve your goals. Let’s say, for example, your goal is to make 100 local sales by October 31st. To meet that goal, you’ll have to go out and start meeting people or setting up appointments with business owners or individuals (depending upon what product or service you are selling). What other steps will be required to make those 100 sales?

Write down your goals! Don’t keep them in your head! Once written, share them with your spouse, your best friend, or a co-worker. Sharing them will help you feel accountable, and you’ll likely work harder to reach your goals. Remember, though, that your goals are not written in stone. As time passes and you gain more experience and learn more about your business, you can always change your goals, especially your long-term goal.

In order to achieve your goals, you may have to learn some new skills, step out of your comfort zone or adapt new habits to replace old ones. You must be willing to do whatever it takes!

Never give up. If you are determined to succeed, and if you KNOW that you can, nothing can stop you!



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

Rules of Engagement

August 16, 2013 – 9:38 am

As long as people have engaged in commerce, they have generally done business with people they like and trust. Today with online social networking, we can become acquainted with people worldwide. This has opened up a whole new mode of promoting our businesses.

A very powerful way to market businesses, especially home businesses, is “relationship marketing.” Using social media sites such as Facebook, Twitter, IBOToolbox and others, we can connect with potential customers and business partners.

With relationship marketing, we primarily focus on building and sustaining mutually beneficial associations. We can also establish friendships with people who may never have any interest in our product or business. We can learn from some of our contacts and educate others.

The most important thing to remember is that we are using social media. The word “social” is a clue as to how to behave on these sites. Don’t just jump in and start promoting your product. Remember that I began this post by saying that people do business with those they like and trust.  It can take time to develop a relationship.

Participate on social media sites with relevant information. Your posts can be educational, newsworthy, humorous, interesting or helpful. Those with whom you are establishing a relationship want to know about you, so include your opinions, information about your background, and perhaps a little about your family. Always keep your posts positive, and avoid controversial topics.  It is very important to include a photograph of yourself as part of your profile. Your profile picture should not be your logo or an avatar. People want to know that there is a real person writing to them.

Remember that it is not always about you. Ask questions and get to know your contacts. You’re sowing seeds. Any one of the relationship seeds you plant may turn out to know someone who needs your product or who is seeking a business just like yours.

As I said earlier, don’t begin selling too soon. Find a balance between sharing your information and sharing other people’s.  Being social is the first step, and eventually people will begin asking questions about your business.

Don’t be surprised if it takes a few months to establish enough relationships to benefit your business. Be patient and get to know people. I have built my business almost entirely through social media. Your patience will prove worthwhile.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

Someone is Praying for the Blessings You Take for Granted

August 14, 2013 – 9:36 am

It is so easy to take people and things for granted.  I am spoiled, and I know it.  Although I’m not wealthy, we get our bills paid every month. I have a wonderful husband, two healthy sons and three beautiful grandchildren.

I also have a brother and a sister, both of whom I love dearly.  I used to have two sisters. My “big” sister died a few years ago way too young, and I miss her every day.  I am so glad that while she was with us, I did not take her for granted.  We spoke every day, at least once, until the day she died.  Thank Heavens, the last words we spoke on the phone the night she died were, “I love you.”

I do take some things for granted, though.  I seldom think about the fact that I know I will always have food to eat and a roof over my head.  I have never had to truly struggle to survive.

Most people, Americans in particular, don’t give much thought to what’s happening around the world. I am saying this as an American myself.  I KNOW there are people starving, who are in pain, who are suffering and living in unimaginable conditions.  But most of the time, I just go on living my life, taking it for granted.

Sure, I give my time and money, but not enough of either.  When I take the time to really think about all I have, I am very grateful for where I was born, for the family that raised me, and for the good health that enabled me to work hard and afford what I have today.

Today I am taking some time to be truly grateful for all the things I normally don’t give a moment’s thought to.  I have to clean my house, but I have a house to clean!  I have to put expensive gas into my car, but I have a car and the money to fuel it.  I have to prepare dinner and clean the kitchen afterward, but I have the food to cook and a place to prepare it.

I have a business that I love working, and I earn a living with it.  Many of my co-workers have become friends about whom I care very much.  I work with a company with very high integrity and excellent products.  Although I am not brilliant with an amazing IQ, I am smart enough to operate my business and write this blog.

There are many people – friends and family – who love me, and I love them in return.  In so many ways, I am blessed, and I am very thankful for everyone in my life and for the blessings that have been bestowed upon me.

Perhaps you, too, would like to take just a little time today to be grateful for those people and things you normally take for granted.

If you enjoyed this post, please leave a comment.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

Do You Want to Increase Your Facebook Fan Page Likes and Comments?

August 12, 2013 – 9:36 am

While researching for a presentation I gave my team members, I learned things about Facebook about which I was unaware or did not understand. Some of you may also benefit from the things I learned.

I never understood the statistic telling us how many people were “talking about” our Facebook fan pages. Now I know that the “talking about” stat is referring to the number of unique Facebook users who have “liked” your page, commented on it, shared a post or mentioned your page in a page of their own. It simply refers to the number of people who have interacted with your fan page in one way or another.

If your “talking about this” number is low, there are things you can do to increase that number.
• Post more frequently, for instance. Share something on your page at least few times a week.
• Switch up the types of content you post. You can post an amusing picture one day, a quote another day and a “did you know” information that does NOT include links.
• Be sure to include a “call to action,” letting your followers know that you welcome their feedback. It can be as simple as saying, “If you enjoyed this post, please ‘like” it.”

Do not only post links to your blog page or company website. Be sure to include interesting content in your posts. Images receive double the number of “likes” than a link to an article, so be sure to post pictures frequently.

If you find something you enjoyed on the internet and want to share it, give the original author or website credit AND leave a comment about the post. You always want to be sure followers know that YOU, a person, is behind every post. We need to brand our companies, but we also need to brand ourselves.

When someone comments on one of your Facebook posts, be sure to reply to their comment. If you asked a question and your followers answered, respond to their post. Also be sure to “like” the comments your readers leave on your page.

Some people live to post surveys or have contests on their Facebook fan page to encourage more interaction.

I would say that the most important thing I learned during my research about Facebook fan pages was to ask questions and post images more I do other text. I have not been encouraging feedback as much as I should, and I plan to do so in the future.

If you learned something from this Press Release, please leave a comment about what it was you learned.

Please visit my Facebook Page at http://www.facebook.com/XpressHealthcareTheWinnersCircle



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

Goals Necessary for Success

August 5, 2013 – 9:26 am

Research tells us that when we write down a goal we are more likely to achieve it. Since written goals can be reviewed regularly, they have more long-range power. Goals are not a dream that you hope to achieve.  Goals are like a contract with yourself that you WILL achieve.  When you write your goals, they should be:

  1. Present Tense. State goals as though they are being realized right now, or have already been attained. Our subconscious minds only operate in the present. If you create goals in the future tense, your subconscious will never get there.
  2. Positive. State goals in positive rather than negative terms. (“I am a neat and organized person,” rather than, “I am no longer disorganized.”)
  3. Personal. Goals must be about you, and under your control, not about someone else.
  4. Precise. Write goals in a manner that clearly describe what you intend to accomplish.  Do NOT say “I want to earn enough to quit my job.” Instead, say exactly how much monthly income it will take you to enable you to quit your job. $500 per week?  $3000 per month?  For example, your goal may be: “I am working my business so I’ll be earning $3000 per month by March 31, 2013.”  You can decide on a date, or break it down into mini goals by weeks, months or within 24 months.
  5. Possible. Goals should be realistic. Achieving them must be within the realm of possibility.  If you’ve never written any business with your company, don’t write down a goal that you’ll make 100 sales by the end of the month.  While it is not totally impossible, in most businesses, it is not likely.  Instead, use a realistic number, breaking it down by weeks, months or by the end of the year.  For instance:

“I am growing my team by two members by the end of August.”  Then:  “I’m building my team by an additional six members by the end of October.”  Next:  “I’m working my business so I’ll have 12 team members by the end of the year.”  If you surpass that goal, great, but meanwhile, you can actually achieve those goals, and you’ll feel good that you’ve accomplished them.

Repeated victories will result in higher self-esteem and more confidence in setting higher goals, which result in greater productivity.  You also don’t want to set your goals too low.  Your goals should be challenging, but attainable.

  1. Deadline.  Give yourself a deadline by which you intend to reach your goal.  As I mentioned, you can break them down by mini goals you’ll reach in days, weeks, months, etc. 
  2. No DeadlineSome goals can be about your work habits or schedule, without a deadline.  For instance, if you have not been participating on forums as much as you think you should, one of your goals may be “I am participating in forums one hour three times a week.”
  3. You must REALLY want your goal and work every day towards accomplishing your goal. If you are wishy-washy about whether or not you achieve your goal, you likely will not do so.

    Even if you have no time during the day to take action towards your goal, you can take a few minutes to visualize it. Constantly visualizing yourself accomplishing your goal is a powerful way to help achieve it.

Place written goals where you will see them at least twice a day. If possible, read them aloud and visualize each one.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

It is the End of an Era

August 2, 2013 – 9:25 am

Since we are packing up our house in anticipation of moving soon, I was going through some old records.  I ran across the eulogy my brother wrote about our mother upon her passing a few years ago.  It was so beautiful; I’d like to share it with anyone who reads this so you can learn a little about my wonderful family.

My Mother was the last thread holding together the fabric of an era, where family was knit together; like a blanket that kept us warm on a cold night.  An era that now lives only in the sweet and cherished memories of our childhoods.

My Mother was the last thread holding together a tapestry made up of traditions, patriotism and religious beliefs that were the very core of existence.

Together, my Grandparents and my Mother’s brothers and sisters carried on their traditions effortlessly, because it was who they were.  But as each passed away, the weight of carrying these traditions became heavier for those remaining.  And for almost a decade, my Mother had to carry them herself.  Yet she never complained; but rather she lived them every day, because it was who she was… and with her passing, they are gone forever.

We all knew the side of my Mother that was ever upbeat and positive, always sincere with a kind word and a beautiful smile.  And the way she became a part of each moment we shared with her. How she would feel what the people she loved were feeling, be it joy or sorrow, pleasure or pain.  She would feel it with you and comfort or celebrate with us.  Whatever it was we needed.

We all experienced and were inspired by her strength, her courage and her eternal optimism.  Yet I knew and experienced another side that she kept hidden; one of tears, fears and frailty.  One that was filled with sadness, because she was physically unable to do things for others. [Both her legs were amputated during her last few years.]  It caused her great pain to ask anyone to do things for her. Yet her fear and frailty and sadness made her courage, bravery and strength all the more credible and inspirational.  Because in spite of her fear and doubt, she carried on with a smile, and still was able to find joy in what she deemed most important – holding together the last thread of tradition of family.

My Mother often said that the years during the 2nd World War were among the best years of her life; a statement that is a tribute to the strength and perseverance of her generation.  A generation that suffered through a depression and a world at war, yet through it all, earned the admiration of the world as heroes.

What an incredible woman, and what a rich life my Mother led.  She nourished her appreciation of travel and nature. The sound of a rushing river could bring her to complete and total peace.

And she gave life to 4 children, 8 grandchildren and 13 great-grandchildren.  25 lives, each of us carrying the potential for unimaginable strength, courage and eternal dedication to the things we cherish most.

What my Mother represents is equal to the woman she was.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

Are You Interested or Committed?

July 30, 2013 – 9:24 am

I came across an article explaining the difference between planning and scheduling.  Oftentimes people think they are one and the same, but they are definitely different.   Planning is deciding what to do.  Scheduling is deciding when to do it. Scheduling is simply picking a time to do the activities you plan to do.  With our busy lives – some of you work full or part-time jobs; some of you have children, so you may be saying to yourself that it’s simply not possible to schedule things.  You never know how your day will turn out, you don’t know what may or may not happen on any given day.

Scheduling is the secret for making things happen.  Planning is an intention; scheduling is more like a commitment.  How does this apply to your home business?  Unfortunately, many network marketers treat their business as a hobby.  They don’t give it the respect and commitment it deserves. Then they are disappointed when they don’t get the results they anticipated.

There are many reasons for wanting to work from home, and each person’s reason is different.  When we are at home working, we find that new distractions can arise.  The normal distractions of home life can be hard to overcome. This is why it is imperative to have a time management plan in place that works for you.

For people who work Network Marketing businesses from home, good time management habits are particularly important. A few unexpected phone calls and a short errand can throw your whole day off.  Procrastination and being disorganized can slow you down or even prevent you from succeeding in your business.

Time spent unwisely can hurt the productivity of your business.  Here are a few more tips that may help you, not only in your business, but in your everyday life.

A great place to start is with a schedule of daily activities. At the end of each day, write down the top 5 tasks that must be completed the following day.  This can help keep you focused for the next day.  If you also set time restrictions on those tasks, it can make a huge difference in your results.

Make sure you are spending the most time on income-producing tasks.  Many people working from home make the mistake of spending too much time “getting ready to get ready.”  One way to keep this in check is to ask yourself from time to time: “Is what I’m doing right now going to create income?”

Everyone is different, so everyone works differently. Morning people do better starting off their day with their most important tasks. If they are slow starters, they are better off starting with less important tasks before more important ones. If you’re a night owl, you likely work best when the sun goes down. You can tailor your work style to what suits you best. If you do, you’ll find you’ll be more productive.

If you work your business when there is nothing else to do, or if you’re in the mood, you are not serious about building a business.   If you have an outside job, you must be at work from 9 am to 5 pm. With your own business, you must also work it at scheduled times and do it whether you feel like it or not.

Are you simply interested in earning money from home, or are you committed?  If you’re just interested, when and how you work is optional; if you are committed, you will work your business even when you don’t feel like it.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.

New Target for Identity Thieves

July 26, 2013 – 9:00 am

Most parents have never given it a thought.  They may be concerned that their child might become ill, be bullied or not do well in school. Parents of young children should add to that list.

A report released in December 2012 by Identity Theft Assistance Center, a non-profit organization, stated that among children under 18 years of age, one in every 40 households have been effected by child identity fraud.

Among adult who have their identity stolen, it is difficult to track down the thief and repair the damage. With children, however, it is even more difficult.

Cyberthieves use children’s Social Security numbers more than any other piece of information.  Most parents apply for Social Security cards for their children when they are born.  Then they file or lock away the card, never giving it another thought.

Unfortunately, thieves now often attach these freshly-issued Social Security numbers to a variety of names and birthdates and set up new identities. They then use the fraudulent identifications to obtain credit, apply for driver’s licenses, apply for government benefits and even access medical care.

Because the parents haven’t looked at their children’s Social Security or credit rating, the illegal activity may not be discovered for years.  A study conducted in 2011 found that the Social Security numbers of 10.2% of children in the United States were used by someone, a far higher rate than those of adults at 0.2%.

The possibility of how the child’s future will be impacted is dreadful to think about. The child’s application for student loans may be denied; they may not be able to get a job, a mobile phone or even a place to live.

Children should not have a credit record. If they do, it is a “red flag” that someone has fraudulently used their identity.

There are a few steps parents can take to prevent their child’s ID from being used. Shred any and all papers containing account or Social Security numbers for everyone in the family. Do not carry your child’s or your own Social Security number (SSN) with you.

If your child’s school asks for their SSN, ask it is optional. If not, find out from the school’s district office how the information is safeguarded.  Teach your children that it is dangerous to give out personal information over the phone or internet. This also applies to adults. Check with your child’s physician’s office to see what precautions they use to protect their records.

No matter how careful we are, we cannot possibly guarantee that our children or our own identity will not be stolen, but taking these steps can greatly reduce the possibility.

Finally EVERYONE should have Identity Theft Protection, no matter their age.  There are several companies that provide ID Theft Protection. Among the best is Lifelock® ID Theft Protection.



About Julie Klein
Along with being a wife, mother, and grandmother of three girls, Julie is a team Leader of The Winner's Circle, one of the largest teams in Xpress Healthcare. For details about becoming an Affiliate Business Owner (ABO) with Xpress Healthcare visit http://julie.joinxpress.com.


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