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Stuff you need to know... Stuff of interest...
(hopefully)
In This Issue
COBRA help
Check-Ups
Health Insurance Options
REAL Heroes
Overheard...
I Wish I Had Said That...






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Issue: #8                             December 2008
Greetings!

We are in that time of year where it makes it hard to get a lot of work done.  Holidays coming at us one right after the other.  I always thought it was fun to have Thanksgiving, Christmas and New Years all in the space of about five weeks.  The down side is that holiday-barren time between New Years and Memorial Day - unless you work for a bank.  Yeah, you have Presidents' Day, and Valentines, and days like that, but it is sort of anti-climactic after all that went on in November and December. 

But I digress.  This week's email touches on several areas, so we'll jump right in... 
When A Check-Up Is Not A Check-Up - Part 2
stethoscopeIn our last edition, we talked about the problems some people encounter when they have a check-up that is not covered by their insurance.  This week we discuss some of the reasons why check-ups are not considered
check-ups by the insurance carrier.  Read More
When Was The Last Time You Looked At  Your Health Insurance Options? 
We got quite a few responses to our recent article about COBRA options.  After several of the conversations, we sent out a piece we did that discussed some of the new insurance premiums that are out there.  One of the people we talked with said, "You ought to put this in the newsletter."  Made sense to us, so here it is.
REAL Heroes
One of our clients has a son in the Army and he sends out updates on his son's deployment on occasion. I really enjoy getting them. His son is currently stationed in Iraq, but is going to be home in time for Christmas! As the dad puts it, "They have worked Stetsonthemselves out of a job... and they have all performed magnificently."

I asked for permission to post the letter from his son so you could hear first hand from someone who is on the front lines.
We have included some pictures at the end of Carl's letter (including one with some of the kids wearing the Richmond soccer jerseys they passed out!).  Read more
Overheard...The Forgotten Man
overheard... "About a half century before the Depression, a Yale philosopher named William Graham Sumner penned a lecture against the progressives of his own day and in defense of classical liberalism.  The lecture eventually became an essay, entitled "The Forgotten Man."  Applying his own elegant algebra of politics, Sumner warned that well-intentioned social progressives often coerced unwitting average citizens into funding dubious social projects.  Sumner wrote:

'As soon as A observes something which seems to him to be wrong, from which X is suffering, A talks it over with B, and A and B then propose to get a law passed to remedy the evil and help X.  Their law always proposes to determine...what A, B, and C shall do for X.  But what about C?  There was nothing wrong with A and B helping X.  What was wrong was the law, and the indenturing of C to the cause.  C was the forgotten man, the man who paid, "the man who is never thought of.'"


from Amity Shlaes, the forgotten man
New York: HarperCollins, 2007.
I Wish I Had Said That...
"The Pilgrims made seven times more graves than huts.  No Americans have been more impoverished than these who, nevertheless, set aside a day of thanksgiving."
H.U. Westermayer


"I will honor Christmas in my heart, and try to keep it all the year. 
Charles Dickens


"Youth is when you're allowed to stay up late on New Year's Eve.  Middle age is when you're forced to."
Bill Vaughn

Thanks for reading!  We encourage your feedback.  We want to make this something you will continue to read and look forward to receiving.
 
Have a great week!
 

Alan Jones
TPA Benefits, LLC
804.387.3325
877.381.6935 toll free