The Full Time Equivalent (FTE) Disaster!

Warning: For businesses with large population of Part Time Employees.

Are you a business with a large part time population or a business thinking about moving full time to part time to avoid ObamaCare penalties or mandated coverage, think again.

Not a lot of people are talking about this and that is the Full Time Equivalent calculation within ObamaCare. What this entails is a way of making part time employees the equivalent of full time employees for the purpose of finding the your total number of full time employees and whether you fall into the under 50 category or over 50 employee category. For example:

if you have 30 full time employees (work 30 or more hours in ObamaCare) but have 50 part time employee that average 24 hours per week or 96 hours per month per PTE. You would think you are good to go! I don't have to offer health coverage...Yay!! Well here is the kick in the gut:

Another way to tally it is like this: This is a formula that simply states that a “full-time employee” works 2,080 hours a year.  So a business must take the total number of hours worked by all employees and divide that number by 2,080 to calculate the number of FTE employees. 

Let's see how that works:  62,400 total hours p/yr for the 30 FTE's and 57,600 hours total p/yr for the 50 PTE's for a total hours p/yr of 120,00. Now divide 120,000 by 2080 (what the government says is full time per yr hours) and you get 58 full time employees and fall into the over 50 employee threshold. Don't get me started about OVERTIME because guess what...that counts against you as well.

No matter how you look at it the Government found a way to get the most for them out of those businesses that have a large population of PTE's or planning to move a large number of FTE's to PTE's.  This is a disaster waiting to implode. It is unsustainable. It is just another entitlement. It is just another way to make you dependent on Government

Hang in there with us and let us know what we can do to help.

www.gulfbreezeinsurance.com

Dem Congressman: Obama Has The Right To ‘Legitimate Violence’ Against Rebellious Citizens, But Not The Other Way Around « Pat Dollard

Dem Congressman: Obama Has The Right To ‘Legitimate Violence’ Against Rebellious Citizens, But Not The Other Way Around « Pat Dollard

 The time will come and I a sad to say very soon. It will be in the form of a protest probably over gun control of some sort and either police or national guard will be in place to keep and or bring order. A shot will be fired and that will be the beginning of the end. That will be the next "shot heard round the world." It will then be between classes. The moochers vs producers. The north and south will divide once again and thank God I am in the South. The south is a boiling kettle as we speak, sick of the filth that DC spews. The South is more free than any other part of the nation. More producers and entrepreneurs are looking to the south and moving here. What irony that the South will be the land of the free. The moochers need to stay and or move north. I am not criticizing my Northern brothers and Sisters that believe in freedom and liberty but just stating facts based upon the right to work, the congressional men and women that they elect and the union thugs that have their governments under their thumb.

For UHC Clients

Effective September 1, 2012, many of the pharmacies that are contracted for the Influenza and/or Pneumonia vaccine have expanded their offerings. Below is a list of current vendors with their expanded services, if any.

Walgreens Pharmacy / Rite Aid Pharmacy / Mollen Immunization Clinic

(Retail & On-site Clinics* -- Previously Contracted for Influenza & Pneumonia)

· Contracted Effective 9/1/2012

o Influenza

o Pneumonia

o Zostavax (Shingles);

o Tdap (whooping cough);

o Meningococcal;

o Hepatitis B

*Mollen Immunization Clinic retail locations in Wal-Mart & Sam’s Club

Target Pharmacy

(Retail Locations Only -- Previously Contracted for Influenza)

· Contracted Effective 9/1/2012

o Influenza

o Pneumonia

o Zostavax (Shingles);

o Tdap (whooping cough);

o Meningococcal;

CVS Pharmacy

(Retail & On-site Clinics -- Previously Contracted – Influenza & Pneumonia)

· No Change to Contract Effective 9/1/2012

The Constitution Part 2

The Granted power of Impeachment: Please Discuss

Article. I.
Section. 1.
All legislative Powers herein granted shall be vested in a Congress of the United States, which shall consist of a Senate and House of Representatives.
Section. 2.
The House of Representatives shall be composed of Members chosen every second Year by the People of the several States, and the Electors in each State shall have the Qualifications requisite for Electors of the most numerous Branch of the State Legislature.
No Person shall be a Representative who shall not have attained to the Age of twenty five Years, and been seven Years a Citizen of the United States, and who shall not, when elected, be an Inhabitant of that State in which he shall be chosen.
Representatives and direct Taxes shall be apportioned among the several States which may be included within this Union, according to their respective Numbers, which shall be determined by adding to the whole Number of free Persons, including those bound to Service for a Term of Years, and excluding Indians not taxed, three fifths of all other Persons. The actual Enumeration shall be made within three Years after the first Meeting of the Congress of the United States, and within every subsequent Term of ten Years, in such Manner as they shall by Law direct. The Number of Representatives shall not exceed one for every thirty Thousand, but each State shall have at Least one Representative; and until such enumeration shall be made, the State of New Hampshire shall be entitled to chuse three, Massachusetts eight, Rhode-Island and Providence Plantations one, Connecticut five, New-York six, New Jersey four, Pennsylvania eight, Delaware one, Maryland six, Virginia ten, North Carolina five, South Carolina five, and Georgia three.
When vacancies happen in the Representation from any State, the Executive Authority thereof shall issue Writs of Election to fill such Vacancies.
The House of Representatives shall chuse their Speaker and other Officers; and shall have the sole Power of Impeachment.

Obama reelection sparks renewed calls for secession - Atlanta Conservative | Examiner.com

“It’s not you, it’s us.”
“We’ve grown apart. We just don’t see things the same way anymore. You’re constant spending has driven us deep into debt. You constantly nag us and tell us what to do. To you, a compromise means that we totally give in and do it your way. We can’t take it anymore. We think it’s time to break up.”
These words might be spoken by an unhappy spouse, but they also reflect unhappiness with the current state of the union. Since the reelection of Barack Obama, secession has once again become a hot topic. The election results show that the United States is more divided than at almost any point in our history (with the notable exception of the War of Secession). While the electoral vote wasn’t close, the popular vote in 2012 was within three percent, just as both of George W. Bush’s elections were very close. Read more
Obama reelection sparks renewed calls for secession - Atlanta Conservative | Examiner.com

Henry Payne Political Cartoons – Political Humor, Jokes, and Pictures Updated Daily - Thursday, November 8, 2012 - 104943

Henry Payne Political Cartoons – Political Humor, Jokes, and Pictures Updated Daily - Thursday, November 8, 2012 - 104943

 

The Constitution - Part 1

I will be posting the Constitution for the United States of America in pieces from beginning to end for us to discuss the reason behind it as well as the ways it is being trampled on.

"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."

Ram
Coalition of Southern States, Founder
Florida