Laughter is Healthy and Lowers Health Costs.

I found this funny, .

Laughing is healthy and this made me laugh today. The laugh you get is worth the word he chooses to laugh at.

Things that are true are right in front of us, and the truth is something we should admit or see more often. I wonder if we could use humor to see the truth in our broken health system.

Article on the “Benefits of laughing”.

Physical health benefits of laughter

Boosts immunity, lowers stress, decreases pain, relaxes muscles, prevents heart disease.

Mental health benefits of laughter

adds joy, eases anxiety, improves mood, strengthens resilience.

Social benefits of laughter

Strengthens relationships, attracts others to us, enhances teamwork, helps defuse conflict, promotes group bonding.

Where can we find humor about what we pay for in our healthcare system?

Enjoy

Youtube link: https://youtu.be/QPTYc3L-ohg

 

Holy Mother Church is Suffering

Anyone who knows me knows I love Jesus and his Church, the bride of Christ. The original article, the one true Church.

But, the crazy things people do in the world can also be found in the Church and the repeat scandal in the Church, sadly, reflects the moral changes in our culture. No surprise then, if we rid the Church of the evil that’s come into the church, we stand a chance of influencing the culture to do the same. If the Church can’t, or won’t change, then the culture will continue to devour the lives we love; our marriages, families, children, and grand-children. Continue reading “Holy Mother Church is Suffering”

LEAN Is Catholic

How do you balance listening to employees needs and making time for all the other things to do as a manager?

LEAN says, go to the shop floor employee, go to the office worker, ask any employee about what exactly is going on, listen, understand, then ask them, 

“What do you need right now, to do your job serving the customer?”

Catholic says, subsidiarity is a very Catholic notion, it says, the person closest to the work is the person who should influence change the most. That sounds pretty much like LEAN, don’t you think?

Continue reading “LEAN Is Catholic”

7 Reasons You May Never Retire

If you ran out of money at age 80 what would you do? Sobering but true, below are only 7 reasons you may never retire. These items should alarm you but it won’t. That’s because unless you study this stuff, and I do, you won’t see the problem or what it means to you.

I’m not a doomsday sayer. I’m just a guy watching this story unfold, and watch it get bigger. I do like the image of politicians, “kicking the can down the road.” But, really, aren’t we all kicking it down the road?

So, listen up, here’s the list of 7.

1) 10,000 Americans reach age 65 every day.
2) Companies offering Pensions has dropped from 112,000 to 23,000
3) 45% of workers cannot access employer-sponsored 401k or pensions.
4) Medicare and Social Security will run out of money by 2028 and 2034.
5) $300 Trillion dollars are owed for unfunded public pensions
6) Americans don’t save, in fact, Americans have a negative savings rate.
7) Politicians have too many competing interests, so they kick the can.

The earlier one starts to save, the easier it is to accumulate sufficient wealth at retirement. The corollary to this is that the longer a country (or an individual) waits to address these issues, the fewer options there will be for solutions, and the options that remain will become more and more difficult to successfully implement (source noted below).

The authors of the article I quote grade our current 401k system as a letter grade of “D+.” I’m not sure what the plus sign means, but I can tell you many individuals are not prepared to retire because so few have pensions (that’s what your Grandpa or Grandma had), and those with a 401k have put too little in it.

Work for a City or other governmental unit?

There is a combined $300 Trillion in unfunded liabilities for employees of these places of work. And, these employees are going to look for their retirement check and receive something like what Detroit retirees received, which was pennies on the dollar.

Your parents and grandparents retired with a pension. They received a check each month for as long as they lived, that, plus social security, made a very comfortable retirement for many people. With the list of 7, you can hopefully see you’re unlikely to retire the way you might be thinking.

You can save now, try closing your Amazon account. Or, find any other way to save. Whether you’re by yourself or at a company or government, the time to do something is now. Make saving and asking questions to protect retirement important to you. After all, I have a friend who says;

“What gets attention, gets done.”

I love these conversations, either to help you as an individual, or your employer. I am happy to help or steer you to better resources.

Building a Strong Retirement Program: One for the AGES, Benefits Quarterly, International Society of Certified Employee Benefit Specialists, Brookfield, Wisconsin; www.iscebs.org.

NEW – AHP, Catholic Business Owners Healthcare Relief

Catholic Business Owners

The NEW AHP regulations created to fit President Trump’s Executive Order make it possible to create a Catholic Buying Trust. This provides owners a way to control what they pay for in healthcare.

This is the biggest news in benefits since ERISA. Small business owners can keep their firmly held beliefs (respect for all Human life), follow their conscience, offer the Dignity of the Human Person in their Healthcare plan, and own the ability to choose how to lower cost. Perfect! Continue reading “NEW – AHP, Catholic Business Owners Healthcare Relief”