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Marlowe Johnsons first book The District A Call to the Nation is a scathing review of the state of the nation’s education system

(PRWEB) October 27, 2014

Marlowe Johnson, an educator and Sunday school teacher, has completed his first book The District A Call to the Nation: a finely crafted exploration of the issues within the halls of the nation’s schools and a proposal to ameliorate them.

Education is the most precious gift a parent can give to his child. Mr. Simmons emphasizes that. However, education has long since evolved and has been tainted by motives, other than the childs optimal development. It is good that we put a premium on education, but it would be best if it targets the childs holistic progress. Turn the page and open your eyes to reality. The facts can be unpleasant, but you have the power to change that.

Published by New York City-based Page Publishing, Marlowe Johnsons insightful words provide a unique and reflective perspective full of thoughtful meditations.

Readers who wish to experience this enlightening work can purchase The District A Call to the Nation at bookstores everywhere, or online at the Apple iTunes store, Amazon, Google Play or Barnes and Noble.

For additional information or media inquiries, contact Page Publishing at 866-315-2708.

About Page Publishing

Page Publishing is a traditional New York based full-service publishing house that handles all of the intricacies involved in publishing its authors books, including distribution in the worlds largest retail outlets and royalty generation. Page Publishing knows that authors need to be free to create – not bogged down with complicated business issues like eBook conversion, establishing wholesale accounts, insurance, shipping, taxes and the like. Its roster of authors can leave behind these tedious, complex and time consuming issues, and focus on their passion: writing and creating. Learn more at

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Florida Apartment Association Names New Leadership

Orlando, FL (PRWEB) October 28, 2014

The Florida Apartment Association on Friday, October 24, installed as its new president Ron Wenzel, senior regional property manager of Greystar Real Estate Partners, at the 2014 Education Conference & Trade Show at the Hilton Orlando.

Wenzel and other members of the executive committee were sworn in by Marc Ross, vice chairman of the National Apartment Association.


NIP Group is Exhibiting at TCI EXPO November 13-15, the Worlds Largest Tree Care Industry Trade Show to Highlight TreePro Booth # 1306

Woodbridge, NJ (PRWEB) October 23, 2014

NIP Programs today announced that Mike Rook, Program Director of the TreePro Program, will be exhibiting in booth number 1306 at the TCI Expo in Hartford, Ct. The conference and trade show, held from November 13 15, brings the biggest players in the industry to a trade show floor packed with equipment, tools and services.

Mike has over 20 years underwriting experience in the tree care industry. This experience has helped him build an expert understanding of the key exposures and specific coverage needs of tree care companies. Please stop by booth 1306 and see Mike Rook at the Trade Show or schedule a meeting today by contacting him by email mrook(at)nipgroup(dot)com

About TreePro

NIP Programss TreePro insurance program has been insuring tree professionals for over 20 years and is the largest program of its kind. Its a multi-line package that provides better coverage and value than standard products. TreePro offers specialized coverages such as Workmanship Error and Pesticide & Herbicide Applicator coverage. Risk Management and excellent claims service also set us apart from the competition. We can also handle crane and boom exposures and snow and ice removal that many of our competitors exclude.


Thirty-Two Percent of Employers Delayed Health Plan Renewal Date to December 2014 to Avoid Rate Increases, Survey Finds — Large Rate Increases Expected

Indianapolis, IN (PRWEB) October 23, 2014

The number of employers delaying their health plan renewal dates until December 1 increased 322 percent from 2013 to 2014, with 32 percent of all employers postponing their renewal date, according to the 2014 United Benefit Advisors Health Plan Survey, the nation’s largest health plan survey of nearly 10,000 employers. Of the 32 percent, 94 percent were small businesses in the under 100-employee market. Based on current renewal rates coming in from carriers, in the states that did not allow renewal of pre-PPACA plans, many small employers are facing rate increases of 30 percent to 160 percent, UBA finds. Given that a number of states allowed pre-PPACA plans to renew, delaying the effects even further, the full impact of PPACA is still largely unknown.

“We’re seeing little change in premium rates and employee benefit plans, and that’s because many employers renewed twice in 2013 to delay the effects of PPACA,” says Carol Taylor, Chairwoman of the UBA Client Compliance Solutions Committee and a Benefits Advisor with D & S Agency, a Virginia-based insurance firm and UBA Partner. “In the category of employers with 50 or fewer employees, the results are staggering: in 2012, there were 507 employers with a December 1st renewal date. In December 2013, that number was over five times (412.4%) higher at 2,598 employers. This is going to have a ripple effect for years to come in the small group market.”

“This trend shows overwhelmingly that the full impact of PPACA compliance and its effect on health insurance costs is still unknown, but paints a gray picture of what’s ahead for employers,” says Les McPhearson, CEO of UBA.

While employers have seen modest cost increases in recent years — average annual cost per employee was $ 9,302 in 2013 versus $ 9,504 in 2014 — employers continue to push more of the burden onto employees through out-of-pocket cost increases and reductions in family benefits.

While average in-network deductibles remained fairly level at $ 1,901, out-of-pocket maximums (OOP maximums) increased more than 6 percent in 2014. The median single OOP maximum increased $ 500 to $ 3,500 and median family OOP maximum increased $ 1,000 to $ 8,000. The increase in medians was more than double the increase in average OOP maximums for both single and family, which both went up less than $ 250.

“If you were to look only at the average out-of-pocket costs and deductibles, you’d be missing a big part of the story,” says Taylor. “The median numbers show a significant increase because the lower end of the scale is dropping off, so we’re getting used to a new norm in higher out-of-pocket costs.”

Deductibles and Coinsurance

The percent of plans with no deductible in-network decreased from 21 percent for an individual in 2013 to 20 percent in 2014, and from 22.5 percent for a family in 2013 to 20.8 percent in 2014. The number of plans with no out-of-network deductible also decreased from 8 percent for individuals in 2013 to 6.9 percent in 2014, and from 9.8 percent for a family in 2013 to 8.1 percent in 2014.

Plans with 100 percent coinsurance are also disappearing rapidly, having decreased by 14.8 percent since 2012. In 2014, 36.2 percent of plans offered the coverage for individuals and only 1.3 percent covered families at this level.

Regional Differences in Health Plan Cost

As we have seen in the past, there is still a big difference between an employer’s cost to insure an employee in the Northeast versus the West. Average annual cost per employee in the Northeast was $ 10,931, which is 13 percent higher than the West at $ 9,513 per employee. The North Central region comes in second at $ 10,130 and the Central region pays the least at $ 8,088 per employee. Employers in the South pay $ 8,254 per employee.

“In the rapidly changing implementation of PPACA, it is critical for businesses to know their benchmark on medical plans,” says McPhearson. “This is not only for their industry, but in their state, region and nationally as well. I’d encourage employers to look at the UBA Health Plan Survey in a way that is most relevant to their business.”

Pre-order a copy of the 2014 UBA Health Plan Survey Executive Summary or request a customized benchmarking report.

About the UBA Health Plan Survey

Data in the 2014 UBA Health Plan Survey is based on responses from 9,950 employers sponsoring 16,967 health plans nationwide. The survey’s focus is intended to provide a current snapshot of the nation’s employers rather than covered employees. Results are applicable to the small to midsize market that makes up a majority of American businesses, as well as to larger employers, providing benchmarking data on a more detailed level than any other survey.

The 2014 UBA Health Plan Survey offers more than national data and UBA recommends that employers benchmark with local data, which is more effective when adjusting plan design, negotiating rates, and communicating value to employees.

Contact a UBA Partner Firm for a customized benchmark survey based on industry, region and business size.

About United Benefit Advisors

United Benefit Advisors is the nation’s leading independent employee benefits advisory organization with more than 200 offices throughout the United States, Canada and the United Kingdom. As trusted and knowledgeable advisors, UBA Partners collaborate with more than 2,200 fellow professionals to deliver expertise, thought leadership and best-in-class solutions that positively impact employers and make a real difference in the lives of their employees and families. Employers, advisors and industry-related organizations interested in obtaining powerful results from the shared wisdom of our Partners should visit UBA online at

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Foster City, Calif. (PRWEB) October 20, 2014

During the fall and winter, many people who live in the Snowbelt put cars in storage and may want to cancel car insurance on vehicles theyre not driving. However, owners need to be aware of several stipulations that must be met in order to take their cars off the road, according to Des Toups, managing editor of, a car insurance comparison-shopping website.

Taking a car off your policy isnt as simple as parking it and calling the insurance company, said Toups.

Lenders will require that owners keep collision and comprehensive coverage on vehicles that are financed or leased.
Almost all states require that vehicles with an active registration maintain at least state-minimum levels of liability insurance. Owners may be required to turn in the license plates or sign an affidavit of non-use if liability coverage is removed.
Owners may need to move the vehicle off a public road.

Ask your insurance company about your options before you drop everything. Many have discounts for people who may be parking their vehicles for a while, whether due to weather or extended trips overseas, said Toups.

Toups recommended maintaining at least comprehensive-only or storage insurance during the winter months, which keeps a car protected in case of a collapse caused by a snow-burdened roof, for instance, usually for $ 200 or less a year.

He also said speaking with an insurance agent to go over various situations, which offers via its call center staffed with agents licensed in all 50 states, is often the easiest way to clarify complex car-insurance questions.

To learn more about how to keep your car safe when its not in use, agents are available toll-free at 1-855-430-7750, or visitors can compare side-by-side quotes from multiple insurance providers in 10 minutes or less at

About, based in Foster City, Calif., is an online resource where consumers can compare side-by-side, real-time auto insurance quotes from multiple insurance carriers. Since its inception in 2001, has delivered more than 11 million quotes to consumers who, in less than 10 minutes, fill out one form and save an average of $ 540 annually making it one of the largest independent insurance marketplaces in the U.S. Participants include some of the biggest names in auto insurance, including Progressive, Esurance, The Hartford, Travelers and 21st Century. Experts from are available for interviews on all issues pertaining to auto insurance.

Twitter: @InsuranceDotCom


About QuinStreet Inc. is owned and operated by QuinStreet Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with information they need to research, find and select the products, services and brands that best meet their needs.

Brandy Blackmons First Book My Choice Is a Spine Tingling Work That Grabs Hold of the Reader With its Intricate Plot Line and Demands To Be Read

(PRWEB) October 18, 2014

Brandy Blackmon, a young and imaginative new author, has completed her first book My Choice: a gripping and potent mix of deception, heart break, self-realization, and the pulse-pounding power of love.

Published by New York City-based Page Publishing, Brandy Blackmons poignant tale is a struggle between choosing true love that may be unrequited and the safety of financial security.

All Misa Macky wanted to do was get through school and get Sano, the boy of her dreams, in the process. But, when the not-so-shy Ken comes around saying he was her fianc

Palm Springs Tram Challenge Attracts Athletic Buyers

Palm Springs, CA (PRWEB) October 17, 2014

Brad Schmett, Broker Associate with Luxury Homes by Keller Williams today announced that the Palm Springs Aerial Tram Road Challenge will be a substantial boost for local real estate as competitors and attendees enter the Valley from all over the world to participate. With a start time of 7 AM on Saturday, October 25, the 6K run/walk is one of the valleys most popular athletic competitions.

Beginning at the bottom of Tram Way and ending at the Trams Valley Station, an elevation gain of 2,643 feet occurs in just 3.7 miles, making this a highly competitive marathon. Awards will be presented three deep in each age category for both male and female finishers at a special ceremony immediately following the race to be held at Desert Regional Medical Center in downtown Palm Springs.

Schmett recently discussed the popular event, You have heard me say before that nobody knows how to combine business with pleasure the way the Coachella Valley does and this proves my point yet again. This highly competitive race will bring in the best world athletes and yet will benefit charity as well. The Valley is well-known for its focus on health and well-being, two factors that bring in real estate buyers and investors who are interested in living in an environment where they can indulge in physical activity year-round. To be able to do that and still benefit charity is icing on the cake.

As part of USA Weekend Magazine’s annual Make a Difference Day the proceeds from the Tram Road Challenge will go toward the United Way of the Desert.

For more information on the Palm Springs Tram Challenge visit

To find out more about investing in Palm Springs, CA real estate visit

About Luxury Homes by Keller Williams: Luxury Homes by Keller Williams Palm Springs, is an exclusive, elite and sophisticated group of real estate consultants raising the bar for service in the Palm Springs area residential real estate market.

Mass. offers online information about prices of medical services

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