Final birth control rule issued for faith groups

By Kathryn Mayer | June 28, 2013

The Obama administration issued final rules Friday for the birth control mandate under the Patient Protection and Affordable Care Act, an area of the massive health overhaul that generated some of the greatest opposition.

The mandate — effective Aug. 1, 2012 — requires most employers to cover a range of birth-control methods in their health plans without charging a co-pay or a deductible.

Religious groups have strongly opposed the rule, and dozens of lawsuits against the federal government followed. Meanwhile, the administration — as well as women’s rights advocates — continued to praise the contraception mandate, saying it gives women control over their health care.

Health and Human Services Secretary Kathleen Sebelius said Friday the final rules “strike the appropriate balance” between respecting those religious considerations and increasing access to important preventive services for women.

Related story: White House Backs Down on Birth Control

“The health care law guarantees millions of women access to recommended preventive services at no cost,” Sebelius said in a statement.

“Today’s announcement reinforces our commitment to respect the concerns of houses of worship and other nonprofit religious organizations that object to contraceptive coverage, while helping to ensure that women get the care they need, regardless of where they work.”

The final rules finalize the proposed simpler definition of “religious employer” for purposes of the exemption from the contraceptive coverage requirement in response to concerns raised by some religious organizations.

These employers, primarily churches, may exclude contraceptive coverage from their health plans for their employees and their dependents.

Women at nonprofit, religious-based organizations — such as at certain hospitals and universities — will have the ability to receive contraception through separate health policies at no cost.

The approach taken in the final rules is similar but simpler than that taken in the proposed rules, and addresses many stakeholder concerns, HHS said.

Announced early last year, the original mandate required most employers, including religious-affiliated organizations, to cover a range of birth control methods.

That triggered a fast and intense pushback from Catholics and other religious groups that oppose birth control, and called the mandate an attack on their religious freedom.

In February, the administration proposed a work-around for religious nonprofits that object to providing health insurance that covers birth control, attempting to create a barrier between religious groups and contraception coverage, through insurers or a third party.

But groups such as the U.S. Conference of Catholic Bishops continued to oppose the regulations.

Proponents of the mandate argue that the requirement is a “win” for women, and will help reduce unplanned pregnancies and abortions.

“The magic combination of responsible public and private policies and responsible behavior on the part of men and women can make all the difference in helping reduce unplanned pregnancy and improving the education and employment prospects of women and their families,” Sarah Brown, CEO of The National Campaign to Prevent Teen and Unplanned Pregnancy, said last year.

The Catholic Church has yet to respond to the final rules.

See also:

On the Third Hand: Birth control
Birth Control Mandate Hits Groups That Backed PPACA

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15 PPACA provisions that will take effect in 2014

15 PPACA provisions that will take effect in 2014

By Alson Martin | June 3, 2013

The effective date of the Patient Protection and Affordable Care Act (PPACA) is March 23, 2010, although various provisions have their own effective dates from January 1, 2010, (the small business income tax credit) through 2018. The start of 2013 saw the launch of a number of key provisions, among them Medicare tax increases, limits on Health FSA deferrals and the requirement that W-2 reporting note employer and employee payments for certain health care items in 2012.

But 2014 is the year when most core pieces of PPACA will be put into effect, notably the mandates that employers with 50+ employees provide health insurance and that individuals obtain minimum essential health coverage for themselves and their dependents, whether or not they have access to coverage through their employer.

Equally momentous, beginning Jan. 1, 2014, states are required to have opened a state-run health insurance exchange, or to have partnered with the federal government to open an exchange. In theory, within these exchanges, insurance companies will compete for business on a transparent, level playing field, which should reduce costs and give individuals and small businesses the purchasing power enjoyed by big businesses. However, health reform does many things to increase costs by covering those who are now uninsurable and by increasing mandated benefits. Many predict these factors will far outweigh any efficiencies created by the exchanges and that health insurance prices will increase. If exchanges succeed, they will create the first viable alternative to the group markets for the younger than age sixty-five population.

In short, there’s a lot to track over these next six months. Read on for 15 provisions that will become effective on Jan. 1, 2014.

1. Health Insurance Nondiscrimination Requirements

Code Section 105(h) currently taxes the benefits received by highly compensated employees (HCEs) under discriminatory self-funded health plans. PPACA has extended these nondiscrimination rules to insured plans. It is unclear whether this change imposes tax penalties or is a substantive requirement. Employers with discriminatory insured arrangements, however, will need to consider changing them. Grandfathered plans are exempt from this rule.

This new requirement was originally intended to be effective for plan years beginning on or after September 23, 2010. The effective date was postponed in 2010 until IRS publishes a notice, which has not yet been issued. The provision may not be effective in 2014 but it likely will be.

2. State Health Insurance Exchanges

Each state must establish a health insurance exchange (or HHS will do so) for use by the uninsured and small employers with 100 or fewer employees (although states may set the cap at 50 employees). The exchanges will offer fully insured insurance contracts that provide essential health benefits at different levels of coverage (bronze, silver, gold, and platinum). Employees of small employers who offer health insurance coverage through an exchange may pay their employee premiums for such coverage on a pre-tax basis through the employer’s cafeteria plan.

3. State Health Insurance Exchange Tax Subsidies

Individuals who do not have affordable minimum essential coverage from their employer will be eligible for tax credit subsidies for their health insurance purchase on a state exchange if their income is below 400 percent of federal poverty level.

4. Employer Mandate (Pay or Play) Tax Penalties

Employers with fifty or more full-time equivalent (FTE) employees will be required to offer their full-time employees (FTEs) minimum essential health coverage or pay a fine of up to $2,000 per year for each FTE in excess of thirty FTEs if any employee receives a premium tax credit on a state health insurance exchange. If an employer provides minimum essential health coverage to its FTEs, but fails to pay at least 60 percent of its actuarial value or the coverage is considered unaffordable (costs more than 9.5 percent of household income), then the employer must pay a penalty of up to $3,000 per year for each FTE who receives the premium credit on an exchange, but not more than would be owed for the $2,000 per year penalty. An FTE is defined as an employee who is employed for thirty or more hours per week, calculated on a forty-hour work week. This provision also applies to grandfathered plans.

5. Individual Mandate Tax Penalty

Individuals are required to obtain minimum essential health coverage for themselves and their dependents or pay a monthly penalty tax for each month without coverage. The monthly penalty tax is one-twelfth of the greater of the dollar penalty or gross income penalty amounts. The dollar penalty is an amount per individual of:

$95 for 2014 (capped at $285 per family),
$325 for 2015 (capped at $975 per family), and
$695 for 2016 (capped at $2085 per family).
These dollar penalties will be indexed for inflation starting in 2017.

The gross income penalty is a percentage of household income in excess of a specified filing threshold of:

1 percent for 2014,
2 percent for 2015, and
2.5 percent for 2016 and later years.
In no event will the maximum penalty amount exceed the national average premium for bronze-level exchange plans for families of the same size.

Minimum essential coverage includes Medicare, Medicaid, CHIP, TRICARE, individual insurance, grandfathered plans, and eligible employer-sponsored plans. Workers compensation and limited-scope dental or vision benefits are not considered minimum essential health coverage.

6. Automatic Enrollment

Employers with more than 200 employees who maintain one or more health plans must automatically enroll new full-time employees in a health plan. The employer must give affected employees notice of this automatic enrollment procedure and an opportunity to opt out. State wage withholding laws are preempted to the extent that they prevent an employer from instituting this automatic enrollment program. The final effective date was [will be?] established by DOL regulations.

7. Pre-Existing Condition Exclusion Practices Eliminated

Pre-existing condition exclusions no longer will be allowed in group health plans or individual insurance policies, not even the limited exclusions previously allowed under HIPAA. This also applies to grandfathered plans.

8. Ninety-Day Maximum Waiting Period

Group health plans and health insurance issuers may not impose waiting periods of more than ninety days before coverage becomes effective. This also applies to grandfathered plans.

9. Cost-Sharing Limits

Group health plans, including grandfathered plans, may not impose cost-sharing amounts (i.e., copays or deductibles) that are more than the maximum allowed for high-deductible health plans (currently these limits are $5,000 for an individual and $10,000 for a family coverage). After 2014, these amounts will be adjusted for health insurance premium inflation.

10. Annual or Lifetime Limits

Group health plans, including grandfathered plans, may no longer include more than restricted annual or any lifetime dollar limits on essential health benefits for participants. Limits may exist in and after 2014 for non-essential benefits.

11. Wellness Program Health Plan Discount

The maximum premium discount an employer can offer under its health plan for participation in a wellness program is 30 percent. This is an increase from the prior 20 percent maximum premium discount. Regulatory agencies can increase this maximum discount to 50 percent in the future.

12. Coverage for Those in Clinical Trials

Insurers and health plans, unless grandfathered, may not discriminate against an individual for participating in a clinical trial. If a plan covers a qualified individual, it may not deny or impose additional conditions for participation in a clinical trial.

13. Employer Minimum Essential Coverage Reporting

All employers providing minimum essential coverage must file information with the IRS and plan participants.

14. Large Employer Health Information Reporting

Large employers and employers with at least fifty full-time equivalent employees must submit annual health insurance coverage returns to the FTEs and the IRS. The returns must certify whether the employer offers healthcare insurance to its employees and, if so, describe the details regarding plan participation, applicable waiting periods, coverage availability, the lowest cost premium option under the plan in each enrollment category, and other information.
15. Medicaid Expansion

The U.S. Supreme Court in effect ruled that the requirement for states to offer Medicaid benefits to all persons with incomes at or below 133 percent of the federal poverty level is optional with each state. States that participate in the expansion will receive full reimbursement of their additional Medicaid costs from the federal government until 2017. At that time, reimbursement will gradually decline to 90 percent of extra costs in 2020 and thereafter.

Affordable Care Act Health Insurance Plans

| Written by IHU staff writter
Filed under Basics,Healthcare Reform

Affordable Care Act Health Insurance plans , tiers and Standards

Bronze, Silver, Gold, and Platinum Health Insurance plans. These are names that will soon become very common to every individual purchasing a health care plan. Insurance is something that is often very difficult and challenging for individuals to understand; additionally due to the complexity of the subject individuals often have a very hard time comparing insurance plans. This article focuses on the Affordable Care Act Health insurance plans tiers and standards.

As part of the Affordable Care Act, starting in January 2014 all health plan providers will be required to meet new federal requirement with regards to the standardization of health insurance plans. The law hopes that standardization of health insurance plans will provide consumers the ability to make better decisions when it comes to comparing difference between health insurance plan options and also help guard against insurance company efforts to cherry pick the healthiest people.

What does standardize health insurance plans means and why will it help consumers?

As part of the Affordable Care Act, all health insurers will be mandated to offer plans to consumers that fit within four tiers of coverage: Bronze, Silver, Gold, and Platinum. Any insurer selling plans within one of the health insurance market places must offer at minimum a silver and gold plan as part of their product offerings.

Each plan being offered must offer the minimum essential health benefits. Hence ensuring the scope of benefits provided by the plans are the same. However, as the plan tiers change so will the cost sharing requirement. The amount an individual consumer or family will pay out of pocket will change from tier to tier. For example, a Bronze Health Insurance plan will have an individual pay more out of pocket expense for the same scope of benefits compared to a Silver health insurance plan.

Note: No health insurance plan will be allowed to charge a deductibles, co-payments, or co-insurance – greater than the limits for high-deductible plans. Additionally health plans for small businesses are barred from charging deductibles greater than $2,000 per year for individual coverage or $4,000 per year for family coverage. Through the Affordable Care Act health plans can not charge a deductible or any cost-sharing for certain. preventive health services.

Each Health plan tier will provide four different level of coverage. The level of coverage will be based on the actuarial value. The actuarial value according to healthcare.gov is

“…the percentage of total average costs for covered benefits that a plan will cover.” For example, if a plan has an actuarial value of 70%, on average, you would be responsible for 30% of the costs of all covered benefits. However, you could be responsible for a higher or lower percentage of the total costs of covered services for the year, depending on your actual health care needs and the terms of your insurance policy. This is very different than your monthly premium you pay for your plan; a monthly premium and individual pay.

While the actuarial value for each health insurance plan that falls within one of the tiers will be the same, the premiums (The monthly fee a person pays a health insurance company to maintain their health insurance coverage) will vary for plans within the same tier level. Variation in price will change from one insurer to another, based on multiple factors such as overall use of services, the prices of health care services negotiated by the insurer, and how the plan controls its services.

Affordable Care Act Health Insurance plans: Bronze In the chart illustrated above a bronze health insurance plan would cover 60 percent of all health care costs for an individual. Enrollees of that plan would be responsible for paying 40 percent of the costs.

Affordable Care Act Health Insurance plans: Silver In the chart illustrated above a silver health insurance plan would cover 70 percent of all health care costs for an individual. Enrollees of that plan would be responsible for paying 30 percent of the costs.

Affordable Care Act Health Insurance plans: Gold In the chart illustrated above a Gold health insurance plan would cover 80 percent of all health care costs for an individual. Enrollees of that plan would be responsible for paying 20 percent of the costs.

Affordable Care Act Health Insurance plans: Platinum: In the chart illustrated above Platinum health insurance plan would cover 90 percent of all health care costs for an individual. Enrollees of that plan would be responsible for paying 10 percent of the costs.

While this chart represent an average view of the tiered plans an individuals with high-cost health conditions could possibly end up paying more than the average person, based on their health conditions.

Please feel free to contact 123insurME.com with your questions.
Or call us Toll Free 1.855.664.2771. We will be able to assist you, your family or small business enroll in a health care plan that’s right for you. October 1, 2013 starts “Open Enrollment”,
You then can chose a health insurance plan, and on January 1 2014 your plan will be effective and you would start using your health insurance. Be sure to book mark our blog so you can keep up with all of the changes to come.

Get Free or Low Cost health care without insurance

If you’re sick today January 2014 feels like a hundred years away. January 1, 2014 is the date that if you enrolled in a Qualified health plan under the affordable care act aka…ObamaCare that your health insurance plans goes into effect. Meaning if you’re sick you can go to the doctor and get seen.

But, what about now, today. What do you do today if you are sick and you don’t have health insurance. Or worse yet, you are sick unemployed and have no health insurance. Well here is help. I know, I know, what you are saying. Randy are you nuts?! You sell health insurance, why are you telling folks how to go to the doctor without buying health insurance? My answer is…. I care, I’ve been there. I feel for you – if you’re sick now, you want to feel better quickly. You don’t care about anything else, especially buying insurance, right? Well here is all that you need to do.

The U.S. Department of Health and Human Services, Health Resources and Services Administration provides a website that allows you to search for health care providers that will take care of you whether you are sick or not, whether you have insurance or not. You only pay what you can afford. So here you go. Visit  http://findahealthcenter.hrsa.gov/Search_HCC.aspx

HRSA health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide:

1). checkups when you’re well

2). treatment when you’re sick

3). complete care when you’re pregnant

4). immunizations and checkups for your children

5). dental care and prescription drugs for your family

6). mental health and substance abuse care if you need it

Health centers are in most cities and many rural areas. Type in your address and click the “Find

Health Centers'” button to find health centers near you.

I hope this will be found online and help those that need it. And when you need to buy health, life, disability or any other type of insurance, I would appreciate it if you allow me the opportunity to compete for your business. You can visit my online agency websites at http://www.123insurME.com

http://www.RandysMyAgent.com.

Thanks God Bless and Good Luck.

Senior news at SeniorJournal.com

Check out this news story on http://SeniorJournal.com/ – – http://www.SeniorJournal.com/NEWS/Alerts/2013/20130624-Hype_Begins.htm

To Your Health,Randy Kelley
Owner-Agent
Texas License #1638945
National Producer # 6553301


Kelley Insurance
Home Page:
www.RandysMyAgent.com
email:RandysMyAgent@yahoo.com

Free Medigap Quotes
www.MedigapOnly.com

Free Health Insurance Quotes
www.123insurME.com

Free Dental Plan Quotes
www.dpbrokers.com/57885.dp

Toll Free. (855)664-2771
Cell: (910)352-6444
Toll Free Fax. (866) 436-7420

Prayer for Decisions God, grant me the serenity to accept the things I cannot change,
The courage to change the things I can,
And the wisdom to know the difference.
Amen

The information contained in this email message is confidential under federal law, and is intended only for the use of the individual or Entity named above. If the reader or recipient of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this confidential information is prohibited by federal law. If you have received this communication in error, immediately notify The Kelley Insurance Agency at the above number, and return all information that accompanies it to The Kelley Insurance Agency to the address given above.

Financial Facts News Letter June 2013

Financial Facts

April 2013
img-ff.png

HOW MUCH LIFE INSURANCE DO I NEED?

How much life insurance is enough depends on your individual needs and your financial objectives for your family.

While life insurance cannot replace you, it can provide the funds to:

  • PAY FINAL EXPENSES
  • REPLACE ALL OR A PORTION OF YOUR INCOME
  • KEEP YOUR FAMILY IN THEIR HOME
  • ESTABLISH A COLLEGE EDUCATION FUND
  • COVER FINANCIAL EMERGENCIES
  • PROVIDE A CHILD AND/OR HOME CARE FUND
How much life insurance is enough?

This question is best answered through an analysis of your family and financial situation, as well as your financial goals and objectives.

MESSAGES
from the Masters…

DEVELOP THE DO-IT-NOW HABIT

by Tom Hopkins

Self-Discipline really encompasses nearly everything in life. Do you remember in school when you were given 30 days to write a term paper? Did you start it that first night?

Most of us didn’t. Instead, we thought about it every night. “Got to get moving on that ratty project. But I’ve got almost a whole month left–it can wait.” As time goes by, worry about getting a failing grade looms larger in our minds. At first the pain of starting the term paper is greater than our concern about the failing grade, so after a week we still haven’t started. Two weeks go by. What are we doing every night before we go to sleep? Worrying about that F. “I better start. Tomorrow I’ll get moving on it.”

A week before the term paper is due, the F is getting larger–but it’s still not quite large enough to offset the pain of working at preventing it. All of a sudden there are only three days left before it’s due, and at last the F looms larger than the pain of working on the term paper. So we start.

As you lay it out you begin feeling some enthusiasm. “This isn’t bad. I may get an A if I do this and do that.” When you walk in with your paper you’re happy, but you wasted 27 days worrying about starting. In other words, you operated at a deficit emotionally for 27 days when you could have been in the profit column the whole time. Move into the emotional profit column right now; starting today, get your priority tasks and actions handled promptly. Plan your actions, then act on your plans. Apply this determination to every area of your life and it will make an enormous difference in your income, growth rate in business as well as your satisfaction and growth rate personally.

The portrait of a man who was being called the Whiz Kid on Wall Street appeared on the cover of a national magazine many years ago. He was one of the first to put a conglomerate together, and some of the federal laws affecting business in the early 70’s came about because of the trends that his creativity set off. At the time he was 42, he was running one of the largest industrial combines in the country, the conglomerate he had built himself. So the magazine had assigned a journalist and a team of researchers to do an in-depth report on this entrepreneur.

One of the researchers went to the small city the dynamic executive had left 15 years earlier. A few items turned up there about an alcoholic with the same name who had been sleeping on park benches at that time. The researcher passed this information along, and as the journalist was concluding his interview with the Wall Street powerhouse in his plush office, the journalist laughed and said, “Believe it or not, a man with your exact name was sleeping on park benches and getting ousted by the police when you lived in your home town. I guess the poor guy was a real wino. Isn’t that something?”

The president looked up and smiled. “That was me,” he said.

The reporter was flabbergasted. “This can’t be. You’re kidding.”

The president of the conglomerate leaned back in his leather chair and shook his head. “I’m not kidding. The wino sleeping off drinks on park benches was me.”

The journalist stared at him for a moment and realized that the man was telling the truth. He also realized that now he had a whole new story. When his apologies were waved aside, he said, “I have to ask, what made you change?”

Listen to what he said because so many people fit this mold: “When I was sleeping under newspapers in the park 15 years ago, I knew that someday I would do what I’m doing now. I was just waiting until I was ready to start.”

Do you know how many people are like that? “Well, next year’s my year. I’m going to get to work then. You just wait and see–right after the first of the year I’m gonna start shaping up.” But of course the time to get going never quite comes for most people. They have good intentions, but are lacking the two most vital components of any good deed: the motivation to begin and a strategic plan to keep them moving forward.

You see, by not beginning, you’re not risking failure, but you’re also confining yourself to the level of success you currently have. If you’re happy with that, fine. If not, make that plan and get fired up!

If your potential for greater success is nagging at you, don’t wait. Time is flying by so fast. Start today to achieve the greatness you know is within you.

Brought to you by:

29426.gif?2013-04-11_11-24-38

Boyd R. Kelley
Kelley Insurance
615 N. Burleson St
Giddings, TX 78942
855-664-2771
Randysmyagent
http://finsecurity.com/Randysmyagent.com

About our firm:

“Insurance you can TRUST”

Kelley Insurance will help you with all of your insurance needs. We don’t just sell insurance, be build relationships and friendships. We understand how it is shopping for coverage, that’s why we are a independent agency, which means we do not work for any insurance company we work for you – our prospective client. We appreciate the opportunities we are given to earn your business. Kelley Insurance is authorized to offer all of the major carriers plans and policies to ensure we can provide you with the right plan, at the right time for the right price. So give us a call at 855.664.2771 and allow us the chance to earn your business – you won’t be disappointed..

QUOTES
from the Masters…

On Happiness

“The road to happiness lies in two simple principles: find what interests you and that you can do well, and put your whole soul into it – every bit of energy and ambition and natural ability you have.”

Financial Facts News Letter June 2013

Financial Facts

April 2013
img-ff.png

HOW MUCH LIFE INSURANCE DO I NEED?

How much life insurance is enough depends on your individual needs and your financial objectives for your family.

While life insurance cannot replace you, it can provide the funds to:

  • PAY FINAL EXPENSES
  • REPLACE ALL OR A PORTION OF YOUR INCOME
  • KEEP YOUR FAMILY IN THEIR HOME
  • ESTABLISH A COLLEGE EDUCATION FUND
  • COVER FINANCIAL EMERGENCIES
  • PROVIDE A CHILD AND/OR HOME CARE FUND
How much life insurance is enough?

This question is best answered through an analysis of your family and financial situation, as well as your financial goals and objectives.

MESSAGES
from the Masters…

DEVELOP THE DO-IT-NOW HABIT

by Tom Hopkins

Self-Discipline really encompasses nearly everything in life. Do you remember in school when you were given 30 days to write a term paper? Did you start it that first night?

Most of us didn’t. Instead, we thought about it every night. “Got to get moving on that ratty project. But I’ve got almost a whole month left–it can wait.” As time goes by, worry about getting a failing grade looms larger in our minds. At first the pain of starting the term paper is greater than our concern about the failing grade, so after a week we still haven’t started. Two weeks go by. What are we doing every night before we go to sleep? Worrying about that F. “I better start. Tomorrow I’ll get moving on it.”

A week before the term paper is due, the F is getting larger–but it’s still not quite large enough to offset the pain of working at preventing it. All of a sudden there are only three days left before it’s due, and at last the F looms larger than the pain of working on the term paper. So we start.

As you lay it out you begin feeling some enthusiasm. “This isn’t bad. I may get an A if I do this and do that.” When you walk in with your paper you’re happy, but you wasted 27 days worrying about starting. In other words, you operated at a deficit emotionally for 27 days when you could have been in the profit column the whole time. Move into the emotional profit column right now; starting today, get your priority tasks and actions handled promptly. Plan your actions, then act on your plans. Apply this determination to every area of your life and it will make an enormous difference in your income, growth rate in business as well as your satisfaction and growth rate personally.

The portrait of a man who was being called the Whiz Kid on Wall Street appeared on the cover of a national magazine many years ago. He was one of the first to put a conglomerate together, and some of the federal laws affecting business in the early 70’s came about because of the trends that his creativity set off. At the time he was 42, he was running one of the largest industrial combines in the country, the conglomerate he had built himself. So the magazine had assigned a journalist and a team of researchers to do an in-depth report on this entrepreneur.

One of the researchers went to the small city the dynamic executive had left 15 years earlier. A few items turned up there about an alcoholic with the same name who had been sleeping on park benches at that time. The researcher passed this information along, and as the journalist was concluding his interview with the Wall Street powerhouse in his plush office, the journalist laughed and said, “Believe it or not, a man with your exact name was sleeping on park benches and getting ousted by the police when you lived in your home town. I guess the poor guy was a real wino. Isn’t that something?”

The president looked up and smiled. “That was me,” he said.

The reporter was flabbergasted. “This can’t be. You’re kidding.”

The president of the conglomerate leaned back in his leather chair and shook his head. “I’m not kidding. The wino sleeping off drinks on park benches was me.”

The journalist stared at him for a moment and realized that the man was telling the truth. He also realized that now he had a whole new story. When his apologies were waved aside, he said, “I have to ask, what made you change?”

Listen to what he said because so many people fit this mold: “When I was sleeping under newspapers in the park 15 years ago, I knew that someday I would do what I’m doing now. I was just waiting until I was ready to start.”

Do you know how many people are like that? “Well, next year’s my year. I’m going to get to work then. You just wait and see–right after the first of the year I’m gonna start shaping up.” But of course the time to get going never quite comes for most people. They have good intentions, but are lacking the two most vital components of any good deed: the motivation to begin and a strategic plan to keep them moving forward.

You see, by not beginning, you’re not risking failure, but you’re also confining yourself to the level of success you currently have. If you’re happy with that, fine. If not, make that plan and get fired up!

If your potential for greater success is nagging at you, don’t wait. Time is flying by so fast. Start today to achieve the greatness you know is within you.

Brought to you by:

29426.gif?2013-04-11_11-24-38

Boyd R. Kelley
Kelley Insurance
615 N. Burleson St
Giddings, TX 78942
855-664-2771
Randysmyagent
http://finsecurity.com/Randysmyagent.com

About our firm:

“Insurance you can TRUST”

Kelley Insurance will help you with all of your insurance needs. We don’t just sell insurance, be build relationships and friendships. We understand how it is shopping for coverage, that’s why we are a independent agency, which means we do not work for any insurance company we work for you – our prospective client. We appreciate the opportunities we are given to earn your business. Kelley Insurance is authorized to offer all of the major carriers plans and policies to ensure we can provide you with the right plan, at the right time for the right price. So give us a call at 855.664.2771 and allow us the chance to earn your business – you won’t be disappointed..

QUOTES
from the Masters…

On Happiness

“The road to happiness lies in two simple principles: find what interests you and that you can do well, and put your whole soul into it – every bit of energy and ambition and natural ability you have.”