So, you want wisdom.


One attribute that people consistently desire is wisdom. One great Christian value that folks hope to have is wisdom. One appreciated characteristics we see in others is again, wisdom. One thing that many of us request of GOD for ourselves is wisdom.

So, you want wisdom. What is wisdom, exactly? The dictionary helps a little, but there is still a small quandary. Within the description the dictionary uses words like understanding, judiciousness, prudence, suitability, and discernment.

Want to know a short (3 words) definition? Wisdom: Correctly applied knowledge. Or even better: Correctly applied accurate knowledge.

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From Seth Godin

“I had no choice,” actually means, “I had only one path that was easy in the moment.”

The agenda we invent and act on defines our organizations, our work, and the people we choose to become.

Non-obvious actions taken in obvious moments, difficult decisions that might be easier to avoid, responses instead of reactions, and most of all, the choices we make when it doesn’t even seem like we have a choice–all of these, taken together, define who we are and the impact we make.

Quit Smoking

Great American Smokeout – Nov. 20th

Lung cancer is the second most common cancer in both men and women, but is the leading cause of cancer death in the United States. The risk of developing lung cancer is highest in smokers, but many people who do not smoke also develop lung cancer each year.

Smoking is by far the leading cause of lung cancer. At least 80% of lung cancer deaths are thought to result from smoking. Even people who don’t smoke themselves can be at risk from breathing secondhand smoke.

Quitting smoking is one of the most important things you can do for your health. The sooner you quit, the sooner your body can begin to heal. You will feel better and have more energy to be active with your family and friends.

As a part of Health Care Reform, many plans offer smoking cessation treatment under the preventive services. This treatment may be 100% covered and at no cost to the patient. Check your plan for details.

If you or a loved one smokes, we encourage you to consider quitting. It’s hardtop quit smoking, but you can do it. To have the best chance of quitting and staying a non-smoker, you need to know what you’re up against, what your options are, and where to go for help. You’ll find this information at American Cancer Society’s site here and also at

Quitting isn’t always a bad thing!

ThomTalk: HSS Deadline Changed

On November 16, 2014, the Department of Health and Human Services (HHS) announced that the deadline for contributing entities to submit their 2014 enrollment counts for the transitional Reinsurance Fee has been extended. Employers sponsoring self-funded group health plans and insurers subject to the Reinsurance Fee now have until 11:59 p.m. ET on December 5, 2014 to upload their average covered lives data into and submit their ACA Transitional Reinsurance Program Annual Enrollment and Contribution Submission Form. The deadline was previously today, November 17.The 2014 Reinsurance Fee can be paid in one combined payment or in two installments.

The first installment of $52.50 per average covered life is due no later than January 15, 2015. If an employer chooses the combined payment, the fee must be paid all at once, no later than January 15, 2015.

The second installment of $10.50 per average covered life will be due by November 15, 2015.

HHS confirmed the January 15, 2015 and November 15, 2015 payment deadlines remain the same.

The Reinsurance Fee is an annual, fixed fee per average covered life for the calendar years 2014, 2015 and 2016. The Reinsurance Fee equals the average number of covered lives in the calendar year multiplied by the national contribution rate, which is $63 for 2014. Self-funded employers are responsible for paying the fee. Insurers are responsible for paying the Reinsurance Fee for their insured plans.