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	<title>ARS Solutions &#187; Uncategorized</title>
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	<link>http://www.ars-solutions.com</link>
	<description>Employee Benefits and Individual Health Products</description>
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		<title>We The People</title>
		<link>http://www.ars-solutions.com/2010/07/393/</link>
		<comments>http://www.ars-solutions.com/2010/07/393/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 14:08:15 +0000</pubDate>
		<dc:creator>dranck</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=393</guid>
		<description><![CDATA[http://www.youtube.com/watch?v=JVAhr4hZDJE     I hope you enjoy this video clip as much as I have. It is getting pretty hard not to get political any longer. As an American I feel our freedoms are being taken away slowly but methodically. It is kind of like the cooking of the frog. Put a frog in a [...]]]></description>
			<content:encoded><![CDATA[<p><a rel="attachment wp-att-401" href="http://www.ars-solutions.com/2010/07/393/we-the-people/"><img class="alignleft size-full wp-image-401" title="We The People" src="http://www.ars-solutions.com/wp/wp-content/uploads/2010/07/We-The-People.jpg" alt="We The People" width="120" height="90" /></a><a rel="attachment wp-att-394" href="http://www.ars-solutions.com/2010/07/393/nospopulus_-_we_the_people_with_narration_-_1/"></a></p>
<p><a href="http://www.youtube.com/watch?v=JVAhr4hZDJE">http://www.youtube.com/watch?v=JVAhr4hZDJE</a></p>
<p> </p>
<p> </p>
<p>I hope you enjoy this video clip as much as I have. It is getting pretty hard not to get political any longer. As an American I feel our freedoms are being taken away slowly but methodically. It is kind of like the cooking of the frog. Put a frog in a pot of water, and ever so slowing keep turning up the heat. The frog will not jump out, but continues to get comfortable until it is finally cooked. As an American, I do not intend on getting comfortable and slowly loose my freedom. ARE YOU???????</p>
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		<title>545 People by Charlie Reese</title>
		<link>http://www.ars-solutions.com/2010/03/545-people-by-charlie-reese/</link>
		<comments>http://www.ars-solutions.com/2010/03/545-people-by-charlie-reese/#comments</comments>
		<pubDate>Thu, 25 Mar 2010 13:28:32 +0000</pubDate>
		<dc:creator>dranck</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=363</guid>
		<description><![CDATA[A friend of mine sent this article to me and I thought it would be good to share. I went to Snopes.com and it is ligit. For many years I was one to set on the side lines, but I think too many of us have been sitting on the side lines. The problems we [...]]]></description>
			<content:encoded><![CDATA[<p><em>A friend of mine sent this article to me and I thought it would be good to share. I went to Snopes.com and it is ligit. For many years I was one to set on the side lines, but I think too many of us have been sitting on the side lines. The problems we have in America are not going away. First, as a believer in Jesus Christ, I personally feel it is going to take intervention from God to turn this country around. After all, our founding fathers of this country believed it was God that saved them from England. Secondly, just like our founding fathers, a lot of good men and women took a stand and said ENOUGH! Well, it is time to stand up again and say ENOUGH! Please read below the article from Charlie Reese, I don&#8217;t care what party you are from this applies across all party lines, for they are all in this together. Remember November is supposed to be our day to voice our concerns. Let&#8217;s show both parties it is time for REAL change, or should I say a complete shake up!</em></p>
<p><em> </em></p>
<p><strong>EVERY  CITIZEN NEEDS TO READ THIS AND THINK ABOUT WHAT THIS JOURNALIST HAS  SCRIPTED IN THIS MESSAGE.  READ IT  AND THEN REALLY THINK ABOUT  OUR CURRENT POLITICAL DEBACLE.</strong></p>
<p>Charley  Reese has been a journalist for 49 years.<br />
 <br />
<strong><em>545  PEOPLE</em></strong>&#8211;By Charlie Reese</p>
<p>Politicians are the only people in the world  who create problems and then campaign against them..</p>
<p>Have you ever  wondered, if both the Democrats and the Republicans are against deficits, WHY do we have deficits?</p>
<p>Have you ever wondered, if  all the politicians are against inflation and high taxes, WHY do we have  inflation and high taxes?</p>
<p>You and I don&#8217;t propose a federal budget.  The president does.</p>
<p>You and I don&#8217;t have the  Constitutional authority to vote on appropriations. The House of  Representatives does.</p>
<p>You and I don&#8217;t write the tax code, Congress  does.</p>
<p>You and I don&#8217;t set fiscal policy, Congress does.</p>
<p>You  and I don&#8217;t control monetary policy, the Federal Reserve  Bank does.</p>
<p>One hundred senators, 435 congressmen, one  president, and nine Supreme Court justices equates to 545 human  beings out of the 300 million are directly, legally, morally,  and individually responsible for the domestic problems that plague  this country.</p>
<p>I excluded the members of the Federal Reserve  Board because that problem was created by the  Congress.   In 1913, Congress delegated its Constitutional duty  to provide a sound currency to a federally chartered, but private, central  bank.</p>
<p>I excluded all the special interests and lobbyists for a  sound reason. They have no legal authority.  They have no  ability to coerce a senator, a congressman, or a president to do one  cotton-picking thing.   I don&#8217;t care if they offer a politician $1 million dollars in cash.  The  politician has the power to accept or reject it. No matter what  the lobbyist promises, it is the legislator&#8217;s responsibility  to determine  how he votes.</p>
<p>Those 545 human beings spend much of their energy convincing you that what they did is not their fault.    They cooperate in this common con regardless of party.</p>
<p>What  separates a politician from a normal human being is an  excessive amount of gall.   No normal  human being would have the gall of a  Speaker, who stood up and criticized the President for creating  deficits&#8230;..   The president can only propose a budget.    He cannot force the Congress to accept  it.</p>
<p>The Constitution, which is the supreme law of the  land, gives sole responsibility to the House of  Representatives for originating and approving appropriations and taxes.   Who is the speaker of the House?    Nancy Pelosi.  She is  the leader of the majority party.  She and  fellow House members, not the president, can approve any budget they want.  If the president vetoes it, they can pass it over his veto if  they agree  to.</p>
<p>It seems inconceivable to me that a nation of 300 million can  not replace 545 people who stand convicted &#8212; by present facts &#8212; of  incompetence and irresponsibility.   I can&#8217;t think of a  single domestic problem  that is not traceable directly to those 545 people.  When you fully  grasp the plain truth that 545 people exercise the power of the federal  government, then it must follow that what exists is what they want to  exist.</p>
<p>If the tax code is unfair, it&#8217;s because they want it  unfair.</p>
<p>If the budget is in the red, it&#8217;s because they want it in  the red ..</p>
<p>If the Army &amp; Marines are in   IRAQ   ,  it&#8217;s because they want them in  IRAQ  </p>
<p>If they do not  receive social security but are on an elite retirement plan not available  to the people, it&#8217;s because they want it that way.</p>
<p>There are no  insoluble government problems.</p>
<p>Do not let these 545 people shift  the blame to bureaucrats, whom they hire and whose jobs they can  abolish; to lobbyists, whose gifts and advice they can reject; to  regulators, to whom they give the power to regulate and from whom they can  take this power.   Above all, do not let them con you into  the belief that there exists disembodied mystical forces like &#8220;the  economy,&#8221; &#8220;inflation,&#8221; or &#8220;politics&#8221; that prevent them from doing  what they take an oath to do.</p>
<p>Those 545 people, and they  alone, are responsible.</p>
<p>They, and they alone, have the  power..</p>
<p>They, and they alone, should be held accountable by the  people who are their bosses.</p>
<p>Provided the voters have the  gumption to manage their own employees&#8230;</p>
<p>We should vote all of  them out of office and clean up their mess!</p>
<p>Charlie Reese is a former columnist of the  Orlando  Sentinel  Newspaper.</p>
<p>What you do with this article now that you have  read it&#8230;&#8230;&#8230; Is up to you.<br />
This might be funny if it weren&#8217;t so darned true.<br />
Be sure to read all the way to the end:<br />
Tax his land,<br />
Tax his bed,<br />
Tax the table,<br />
At which he&#8217;s fed.</p>
<p>Tax his tractor,<br />
Tax his mule,<br />
Teach him taxes<br />
Are the rule.<br />
Tax his work,<br />
Tax his pay,<br />
He works for peanuts<br />
Anyway!</p>
<p>Tax his cow,<br />
Tax his goat,<br />
Tax his pants,<br />
Tax his coat.</p>
<p>Tax his ties,<br />
Tax his shirt,<br />
Tax his work,<br />
Tax his dirt.</p>
<p>Tax his tobacco,<br />
Tax his drink,<br />
Tax him if he<br />
Tries to think.</p>
<p>Tax his cigars,<br />
Tax his beers,<br />
If he cries<br />
Tax his tears.</p>
<p>Tax his car,<br />
Tax his gas,<br />
Find other ways<br />
To tax his butt.</p>
<p>Tax all he has<br />
Then let him know<br />
That you won&#8217;t be done<br />
Till he has no dough.</p>
<p>When he screams and hollers;<br />
Then tax him some more,<br />
Tax him till<br />
He&#8217;s good and sore.<br />
Then tax his coffin,<br />
Tax his grave,<br />
Tax the sod in<br />
Which he&#8217;s laid&#8230;</p>
<p>Put these words<br />
Upon his tomb,<br />
Taxes drove me<br />
to my doom&#8230;&#8217;</p>
<p>When he&#8217;s gone,<br />
Do not relax,<br />
Its time to apply<br />
The inheritance tax..    <br />
Accounts Receivable Tax<br />
Building Permit Tax<br />
CDL license Tax<br />
Cigarette Tax<br />
Corporate Income Tax<br />
Dog License Tax<br />
Excise Taxes<br />
Federal Income Tax<br />
Federal Unemployment Tax (FUTA)<br />
Fishing License Tax<br />
Food License Tax<br />
Fuel Permit Tax<br />
Gasoline Tax (currently 44.75 cents per gallon)<br />
Gross Receipts Tax<br />
Hunting License Tax<br />
Inheritance Tax<br />
Inventory Tax<br />
IRS Interest Charges IRS Penalties (tax on top of tax)<br />
Liquor Tax<br />
Luxury Taxes<br />
Marriage License Tax<br />
Medicare Tax<br />
Personal Property Tax<br />
Property Tax<br />
Real Estate Tax<br />
Service Charge Tax<br />
Social Security Tax<br />
Road Usage Tax<br />
Recreational Vehicle Tax<br />
Sales Tax<br />
School Tax<br />
State Income Tax<br />
State Unemployment Tax (SUTA)<br />
Telephone Federal Excise Tax<br />
Telephone Federal Universal Service FeeTax<br />
Telephone Federal, State and Local Surcharge Taxes<br />
Telephone Minimum Usage Surcharge Tax<br />
Telephone Recurring and Nonrecurring Charges Tax<br />
Telephone   State  and Local Tax<br />
Telephone Usage Charge Tax<br />
Utility Taxes<br />
Vehicle License Registration Tax<br />
Vehicle Sales Tax<br />
Watercraft Registration Tax<br />
Well Permit Tax<br />
Workers Compensation Tax<br />
STILL THINK THIS IS FUNNY? Not one of these taxes existed 100 years ago, &amp; our nation was the most prosperous in the world.  We had absolutely no national debt, had the largest middle class in the world, and Mom stayed home to raise the kids.</p>
<p>What in the world happened? Can you spell &#8216;politicians?&#8217;</p>
<p>I hope this goes around THE  USA  at least 100 times!!!  YOU can help it get there!!!<strong><br />
GO AHEAD &#8211; - &#8211; BE AN AMERICAN!!!</strong></p>
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		<title>New COBRA Extension</title>
		<link>http://www.ars-solutions.com/2009/12/new-cobra-extension/</link>
		<comments>http://www.ars-solutions.com/2009/12/new-cobra-extension/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 15:19:43 +0000</pubDate>
		<dc:creator>dranck</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=327</guid>
		<description><![CDATA[COBRA Extended]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.ars-solutions.com/wp/wp-content/uploads/2009/12/COBRA-Extended.pdf">COBRA Extended</a></p>
<p><a href="http://www.ars-solutions.com/2009/12/new-cobra-extension" target="_blank"></a></p>
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		<title>COBRA law case</title>
		<link>http://www.ars-solutions.com/2009/07/cobra-law-case/</link>
		<comments>http://www.ars-solutions.com/2009/07/cobra-law-case/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 13:37:16 +0000</pubDate>
		<dc:creator>denny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[notice]]></category>
		<category><![CDATA[termination]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=253</guid>
		<description><![CDATA[The article below is from EBIA a source we use to keep up todate on changes in Employee Benefits. This article I find quite interesting because EBIA which has many people that help create and write the current laws disagrees with the court on this case. I like their statement at the end for need [...]]]></description>
			<content:encoded><![CDATA[<p>The article below is from EBIA a source we use to keep up todate on changes in Employee Benefits. This article I find quite interesting because EBIA which has many people that help create and write the current laws disagrees with the court on this case. I like their statement at the end for need to CLEARLY have a written document SPD detailing your benefits and what happens within the plan. We welcome your comments or how you handle an issue such as this.</p>
<p>EBIA article from 07-02-2009</p>
<p>COURT FIXES EMPLOYMENT TERMINATION DATE BASED ON TIMING OF ELECTION NOTICE, REQUIRING LONGER ACTIVE COVERAGE FOR EMPLOYEE</p>
<p>[Jennings v. D.F. Crane Const. Corp., 2009 WL 1405167 (W.D. Ky. 2009)]</p>
<p>The employee in this case was away from work for a month and a half, due to medical complications following elective surgery. While he was away, the employee remained in regular contact with his manager. He also incurred significant medical expenses, which were reimbursed under the employer’s health plan. When the employee later called his manager about returning, he was told that the project he had worked on was finished and that his services were no longer needed. The employer subsequently notified the plan insurer that the employee had been terminated when he first left work, and the insurer retroactively terminated coverage and obtained reimbursements from the employee’s medical providers. A few weeks later, a COBRA election notice was sent to the employee that informed him for the first time that his employment (and active health plan coverage) had terminated when he first left work. The employee did not elect COBRA, contending that his active coverage should cover the prior expenses because he had not been terminated that early. When the providers sued the employee for the expenses, the employee sued the employer and insurer to obtain reimbursement.</p>
<p>The court rejected the argument of the employer and insurer that the employee should have elected COBRA when it was offered. Rather, noting that COBRA required the employer to provide an election notice within 44 days after a termination of employment (since the employer was also the plan administrator), the court held that ERISA restricted the employer’s ability to “back-date” the termination. Counting 44 days back from the date the employee received the election notice, the court held that the employee’s termination of active coverage could not have occurred any earlier. As a result, the employee was entitled to coverage of the disputed medical expenses, less any copayment or premiums owed as an employee under the plan.</p>
<p>EBIA Comment: We think other courts would have dismissed the employee’s claim because he failed to elect COBRA within 60 days after it was offered (even though the election notice was late, relative to the date the employer said the employment termination occurred). We also disagree with the court’s analysis because we don’t think that either COBRA or ERISA restricts an employer’s ability to fix the date of a termination of employment. Nevertheless, the court was clearly disturbed that the employee had not received earlier notice of the effect his absence would have on his health coverage, and it reached for a remedy. As a result, the case is yet another example of the need for clear policies regarding leaves of absence, including their impact on COBRA. For more information, see EBIA’s COBRA manual at Sections VII.L (”Special Issues:</p>
<p>Leaves of Absence”).</p>
<p>Contributing Editors: EBIA Staff.</p>
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		<title>Personal Reflections for Today</title>
		<link>http://www.ars-solutions.com/2009/06/personal-reflections-for-today/</link>
		<comments>http://www.ars-solutions.com/2009/06/personal-reflections-for-today/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 13:30:20 +0000</pubDate>
		<dc:creator>denny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=246</guid>
		<description><![CDATA[Some of today’s news we are hearing, really can get you down as a business owner. As a small business owner myself, we need to take some time and voice our opinions to our elected officials. After all, isn’t that why we elected them, to be our voice on Capitol Hill?  The following web site is [...]]]></description>
			<content:encoded><![CDATA[<div>Some of today’s news we are hearing, really can get you down as a business owner. As a small business owner myself, we need to take some time and voice our opinions to our elected officials. After all, isn’t that why we elected them, to be our voice on Capitol Hill?  The following web site is the complete listing of our State House of Representatives and their separate web sites:  <a href="http://www.legis.state.pa.us/cfdocs/legis/home/member_information/representatives_alpha.cfm">http://www.legis.state.pa.us/cfdocs/legis/home/member_information/representatives_alpha.cfm</a> This is for the Pa Senate:  <a href="http://www.legis.state.pa.us/cfdocs/legis/home/member_information/senators_alpha.cfm">http://www.legis.state.pa.us/cfdocs/legis/home/member_information/senators_</a><a href="http://www.legis.state.pa.us/cfdocs/legis/home/member_information/senators_alpha.cfm">alpha.cfm</a> This one is for the US Senate:  <a href="http://www.senate.gov/general/contact_information/senators_cfm.cfm">http://www.senate.gov/general/contact_information/senators_cfm.cfm</a> And this one for the US House of Representatives:  <a href="http://www.house.gov/house/MemberWWW_by_State.shtml">http://www.house.gov/house/MemberWWW_by_State.shtml</a></div>
<p>Sometimes I just don’t want to take the time to look these people up, so I hope this helps. As a business owner, I have sacrificed a great deal to own my business, I need to spend a little time keeping it from being taxed to death.</p>
<p>“all evil has to do to triumph, is for a few good people to do nothing”</p>
<p>I love reading the beginning of our great Constitution, what men of wisdom and valor they were.  Again I have included the link for you:  <a href="http://www.earlyamerica.com/earlyamerica/freedom/constitution/text.html">http://www.earlyamerica.com/earlyamerica/freedom/constitution/text.html</a></p>
<blockquote><p>“We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.”</p></blockquote>
<p>Follow this link to the Bill of Rights:  <a href="http://www.archives.gov/exhibits/charters/bill_of_rights_transcript.html">http://www.archives.gov/exhibits/charters/bill_of_rights_transcript.html</a> if you have not read them lately, take some time, it doesn’t take much. These rights are who we are as a nation, a lot of good men and women died protecting these rights for US.</p>
<p>This is the America I want back! Maybe it is time to go back to the basics our government was founded on. Or maybe I am just a dreamer.</p>
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		<title>Employers Turn To Tech</title>
		<link>http://www.ars-solutions.com/2009/06/employers-turn-to-tech/</link>
		<comments>http://www.ars-solutions.com/2009/06/employers-turn-to-tech/#comments</comments>
		<pubDate>Thu, 11 Jun 2009 13:29:46 +0000</pubDate>
		<dc:creator>denny</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ars-solutions.com/?p=244</guid>
		<description><![CDATA[Came across this interesting article in one of my publications. What is your company doing or you doing? “The International Association of Business Communicators, San Francisco, and Buck Consultants, New York, a unit of Affiliated Computer Services Inc., Dallas, have published that finding in a summary of results from a survey of 1,500 staffers at [...]]]></description>
			<content:encoded><![CDATA[<div>
<div>
<p>Came across this interesting article in one of my publications. What is your company doing or you doing?</p>
<blockquote><p>“The International Association of Business Communicators, San Francisco, and Buck Consultants, New York, a unit of Affiliated Computer Services Inc., Dallas, have published that finding in a summary of results from a survey of 1,500 staffers at large and mid-size employers.</p>
<p>About 52% of the survey participants said their companies’ internal communications budgets have fallen in the past 12 months, and 35% said their internal communications staffs have been reduced.</p>
<p>But 79% of the participants said their companies are using “social media” to engage employees. Company blogs are the most popular social media tool, with 47% of the participating employers already involved in corporate blogging. Discussion boards also are popular, and more participating employers are planning to add discussion boards than any other social media: 33% of the participating employers could be adding discussion boards.</p>
<p>Twitter is part of the communications effort at 21% of the participating employers, and Facebook is a component at 18%.”</p></blockquote>
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