Ask an Expert: Backlit Bathroom Mirrors

Why should I choose a backlit mirror for my bathroom?

A backlit mirror is both a stylish and functional choice for a modern bathroom! The backlit mirror eliminates the need for sconces or vanity lights, giving you a more streamlined look that becomes a dramatic focal point while still providing a nice, ambient secondary light source.

Backlit mirrors use long lasting LED light strips that are very energy efficient and offer even lighting with no unflattering shadows which is great when applying makeup as well. Additional features, like heating pads that prevent fogging or options like dimmable lights and bluetooth speakers can also add extra functionality for a luxurious touch! – Michelle Dixon, www.modernbathrooms.ca

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Tesla board needs ‘come to Jesus’ meeting with Elon Musk amid company turmoil: Expert

Tesla shares traded lower Friday morning after key executives abruptly left the company, and founder Elon Musk was seen smoking marijuana in video of an interview.
ABC News: Money

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Crude oil is getting crushed, but one expert sees year-end rally

Crude oil just posted its worst week since July as a surging dollar, slowing emerging markets and supply concerns have all weighed on the commodity. But despite the price declines, one commodities trader sees a rally in the cards.
Energy

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Currency controls impact Chinese buyers’ interest in Seattle housing: Real estate expert

Skylar Olsen, Zillow Director of Economic Research, and Stephen Saunders, Coldwell Banker BAIN managing broker, join the 'Power Lunch' team to discuss Chinese housing buyer activity in Seattle.
Real Estate

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Ask an Expert: Exterior Updates

How can I update my exterior without a lot of worry or future maintenance?

I recently found myself in the position where I was asking the same question! We had just renovated a 1950s home and realized that the exterior really needed an update. With a baby on the way, we needed a solution that didn’t bring any extra worry or maintenance and we’d heard endless stories where exteriors were repainted and then faded, chipped or peeled just years after.

Our Home Before Spray-Net

That’s when we discovered Spray-Net. Their stunning before and afters and the promise that their advanced techniques would ensure no chipping, peeling or fading caught my attention. The actual process only took a matter of hours. The crew was setting up by 8:00 am and they wrapped up at around 1:00 pm. It was incredible how fast they got everything done.

After – In just a few hours!

We loved the end result! Our dated 1950’s home not only looks great but feels like home now. If you’re looking for a way to update your exterior that is both cost effective and long-lasting, this is a much better option than traditional paint! – Jaclyn Harper, Owner and Principal Stylist, Harper Designs

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US housing market needs more supply to tame prices: Expert

U.S. home sales fell for a third straight month in June but a shortage of supply pushed up house prices to a record high, sidelining some potential buyers. Lawrence Yun from National Association of Realtors weighs in.
Real Estate

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Expert Tips for Selecting the Right House Plan

The Winchester plan offers a great open
concept kitchen and family room for informal
entertaining and a separate dining room for
more formal events!

It can be a little overwhelming to decide between so many fantastic options so we asked Diego Rizzardo of SanDiego Homes to share some of the tips he uses to help homeowners pick the best home plan for their lot at their Lakeside Living community in Innisfil!

LIFESTYLE Consider the daily needs, activities and hobbies of those who will live there. If you love to cook, a kitchen with plenty of pantry and workspace is a must. If you are a fitness buff, choose a plan that allows space for a gym. If you work from home, you will need space for a home office. Another important aspect is your entertaining style. “If you often have a large number of guests, a flexible, open concept space is a must,” says Diego. “If you prefer a more intimate setting, you may want a plan like The Winchester that has a separate, formal dining space.” You will also want to consider bedroom space if guests often stay overnight.

The Strathmore plan offers bungalow style living
with plenty of space for guests, perfect for
those who love to entertain and want a home
that will allow them to age in place.

CURRENT AND FUTURE NEEDS It is important to consider how your needs may change over the next 5-10 years. A newlywed couple may feel that a two bedroom plan is perfect for them but if they plan to have children in a few years, they will outgrow that plan quite quickly. For older homeowners, it is important to consider future health and mobility needs. “We offer a variety of bungalow style plans that will allow homeowners to age in place without costly renovations down the road,” says Diego. “Wide hallways are also standard in all models to ensure ease of mobility.” A main floor laundry, master bedroom and bathroom may not seem like a necessity right now but may greatly affect your ability to live independently in the home later in life!

PROPERTY AND LOCATION The lot you are building on and the surrounding area may also affect your decision. How will the position of the sun and wind direction affect the home? What is located on each side of the property? Large windows that take in a beautiful view of the sunset are great but those same windows facing the side of the neighbor’s home are much less enjoyable. “Choose a plan that will take advantage of the best aspects of your property.” says Diego, “But also consider available outdoor space and choose a plan that leaves space for outdoor entertaining, gardening or other outdoor activities you enjoy.”

The post Expert Tips for Selecting the Right House Plan appeared first on Home Trends Magazine.

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Ask an Expert: Choosing Deck Materials

Photo Source: XMT Construction

What type of materials should I use when building a deck?

Most people are using composite materials. With the climate and weather we experience in the Lower Mainland, composite is ideal. Composite decking will outperform wood and other decking materials in every way. It will provide equal or greater traction than dry wood when it is wet. It requires no painting or staining, it will not produce splinters and it is made from 95% recycled materials. It is virtually maintenance free. – Adam Clark, www.xmtconstruction.ca

The post Ask an Expert: Choosing Deck Materials appeared first on Home Trends Magazine.

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New home sales growth concentrated in more affordable south: Expert

Patrick Newport, IHS Markit executive director of U.S. economics, and Susan Wachter, University of Pennsylvania Wharton real estate professor, discuss the jump in new home sales in May. All the growth in new home sales is in the south where housing is affordable.

Real Estate

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Ask an Expert: Hiring a Pro to Repaint a Home

My home’s exterior needs to be repainted. Should I attempt to DIY it or hire a pro?

Exterior paint, when properly applied, helps shield the surface from the regular day-to-day damage of weathering, temperature changes, and sunlight. Most exterior surfaces will last longer and look better when properly treated with paint, plus you get a brand new look for your home and a boost in curb appeal!

The quality of the paint you are using is extremely important. Spray-Net formulates their own brand of industrial-strength coating and they apply it using their specialized equipment and technique. Each coatings is tailored to the specific exterior surface to ensure maximum adhesion and a premium factory-quality finish that won’t peel and leaves your home looking brand new, not repainted. Plus, you have peace of mind with their fifteen year no-peel warranty that you won’t be repainting every few years!

Painting your home’s exterior on your own can be a major project. Using a professional service means you can focus on smaller and easier projects. With Spray-Net, most projects are complete within a day! If you’re considering refreshing the look of your aluminum siding, vinyl siding, brick, stucco or even your doors and windows, definitely hire a pro! – Melissa Grasso, www.Spray-Net.com

The post Ask an Expert: Hiring a Pro to Repaint a Home appeared first on Home Trends Magazine.

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Investors should take risks in a hot economy: Market expert

While the economy remains hot, market expert Katie Nixon says now is a good time for investors to take risks.
Economy

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4 Bra-Fitting Tips an Expert Wants You to Know

According to Fitzgerald, styles that once worked for you may no longer do your figure justice—especially if your body’s gone through significant changes. Be open to trying on different styles, cuts, and sizes.

Shopping for bras, no matter what size you are, is likely the last thing you want to do. Between navigating the right size and finding a style that makes you feel cool and confident underneath it all, it’s a tedious task. However, if you have the right bra-fitting tips, it can make things a whole lot easier.

Let’s face it—there’s nothing more uncomfortable than an ill-fitting bra. After all, it’s one of the reasons we can’t wait to remove them at the end of the day or go into the braless territory is to avoid the lingerie piece altogether.

We looked to Tiffany Fitzgerald from The Lace Lounge in Los Angeles for her best tips to make sure you get the right bra fit. When you have these in mind, finding the perfect bra that feels comfortable and looks great will be a breeze. Check out her tips now.

This is so pretty under a tee. Available in sizes XS to L.
You’ll feel so confident with this on. Available in sizes 40E to 42D.
This lilac bra is so pretty. Available in sizes 8A to 16F.
Find the right skin tone for your nude.  Available in sizes 30E to 40FF.
Have you ever seen a cooler bra? Available in sizes 32B to 36C.
This is the prettiest bralette we’ve ever laid eyes on. Available in sizes S to L.
This looks so comfortable. Available in sizes 32B to 36C.
Gorgeous. Available in sizes 32B to 36D.
Pink has never been a bad thing. Available in sizes 1 to 5.
Red will give you so much confidence. Available in sizes 34GG to 46DD.
This color is everything. Available in sizes S to L.
How cute are these little dots? Available in sizes 32C to 36E.
Everyone needs a pretty strapless bra. Available in sizes 32A to 36D.
Because you need a basic bra for your everyday. Available in sizes 32A to 38D.
A longline bra is a nice alternative to your regular pick. Available in sizes 32B to 38DDD.
This is so pretty. Available in sizes S to XL.
You’ll feel so luxe in this bra. Available in sizes 32C to 36C.
Wear this under your favorite blouse. Available in sizes S to L.

“A woman’s breast size can change several times during her lifetime. Do not get married to a size, go with what fits, and don’t get hung up on sizing,” she says.

Once you’ve added these to your cart, check out how to wash your lingerie to make sure those last as long as possible.

“Most of the time you might wear a 36C, but depending on how a style or brand is running, you may sometimes need a 36B or a 34D,” Fitzgerald says. She also mentions that different fabrics and your breast shape dictate how a bra will fit you.

Fitzgerald says, “28D, 30C, 32B, and 34A are sister sizes. These sizes have the same cup volume but have different band lengths. The band and cup work in ratios. For instance, 30B, 32B, 34B, 36B, and 38B all have the same cup-to-band ratio, but each is one cup size bigger than the other.”

Now shop for some gorgeous bras to add to your own lingerie collection.

Celebrity Style and Fashion Trend Coverage | http://www.whowhatwear.com

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Expert Advice: Consider All Your Options Before Buying!

What is the biggest mistake you see buyers make when considering a home purchase?

FAILING TO CONSIDER ALL OF THEIR OPTIONS!

Homeowners will sacrifice their dream location because they can’t find a house that suits their needs or leave a neighborhood they love because they have outgrown their home. There is no need to compromise! In both situations, an addition provides the perfect solution. For homeowners who love their neighborhood, an addition can drastically increase available living space and may also be more cost efficient that moving would be!

When looking to buy, if there are no available properties in your desired neighborhood that offer the space you need, an addition can turn a smaller home into your dream home! While we all love the idea of a “move in ready” home, a little extra effort and the help of an expert team can result in the perfect home in the perfect neighborhood with no regrets! – Bole Cirovic, www.Modular.ca

The post Expert Advice: Consider All Your Options Before Buying! appeared first on Home Trends Magazine.

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Four Tips to Increase Your Credit Score From a Credit Expert

Credit is nothing to play with. It can work in your favor or completely work against you. Black Enterprise caught up with founder Christia’n Annice of eMillions+, a credit repair agency, who gave us four tips on how to increase your credit score.

(Image: Credit Karma)

(Image: Credit Karma)

 

1. Pay your bills on time.

Delinquent payments and collections can have a major negative impact on a credit score. According to FICO data, a 30-day delinquency could cause as much as a 90- to 110-point drop on a FICO Score of 780 for a consumer who has never missed a payment on any credit account.

In comparison, as stated on Equifax, a consumer with a 680 FICO Score and two late payments (a 90-day delinquency on a credit card account from two years ago and a 30-day delinquency on an auto loan from a year ago) would experience a 60- to 80-point drop after being hit with another 30-day delinquency.

2. Keep balances low on credit cards and other “revolving credit.”

When your balance is low so is your utilization percentage which is extremely important to your score. To boost your score, pay down a credit card with a high balance relative to its credit limit. Also, try and increase your credit limits. You can do this by calling credit card companies to negotiate.

3. Apply for and open new credit accounts only as needed.

Applying for new credit accounts for about 10% of your FICO score, so the impact is relatively small but still important to consider.

Open new accounts is a different scenario. If you only have had credit for a short time, don’t open a lot of new accounts too rapidly. As stated on MyFico, new accounts will lower your average account age, which will have a larger effect on your FICO® Scores if you don’t have a lot of other credit information.

4. Pay off debt rather than moving it around.

It is extremely important to pay off your debt. A lot of people use moving it to different cards as a strategy but, the only sure fire way to make sure that it is affecting your score in a positive way is to pay it off.

For more information on getting your credit in shape, click here.

The post Four Tips to Increase Your Credit Score From a Credit Expert appeared first on Black Enterprise.

Money | Black Enterprise

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Expert Advice: Know BEFORE You Buy!

What is the biggest mistake you see buyers make when considering a home purchase?

FAILING TO OBTAIN A HOME PERFORMANCE DIAGNOSTICS REPORT!

This report provides valuable information about the current condition of a home and possible future issues. Essentially, it provides a detailed checkup of the home.

Unlike a typical home inspection, the home is tested under dynamic conditions in order to show how it breathes (are there leaks) and the condition of it’s heart (furnace/AC systems), arteries (ducts), and coat (insulation). The tests also show how effective and efficient air filtration is in the home, ensures all gas and combustion appliances are leak free, checks quality of building materials and effectiveness of the exhaust ventilation.

In case of any indoor air quality concerns, a separate assessment is performed. Samples for mold, bacteria or any other contaminant are processed by a registered lab. The report also includes a list of improvements recommended to rectify deficiencies found and a post renovation/ improvements test can be performed to verify the results. – Andrej Bagar, www.FluxAir.ca

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How to Write the Perfect Instagram Caption, According to an Expert

In the fashion community, few social media platforms are as beloved as Instagram. Whether we’re sharing snaps of our latest #ootd or browsing through other fashion people’s fabulous posts from runway shows, parties, and beyond, Instagram is where it’s at. There’s only one problem.

Posting a photo to Instagram, of course, isn’t really a hard thing to do—the challenge comes in crafting the perfect caption to accompany the image. Some of our favorite It girls are really good at it—we’re looking at you, Alexa Chung—and while we take inspiration from their daily musings, we thought it might be wise to pick the brain of a bona fide social media expert. And that’s just what we did.

We sat down to chat with Michael Kwolek, the director of research at social media consultancy firm Room 214. We asked him to share his learnings on the types of Instagram captions that work—the ones that increase engagement, are prone to getting you more likes, and generally make people like you more on the platform—and, of course, the types of captions that don’t work.

What he had to say really surprised us. Keep scrolling for an expert’s tips on how to write the perfect cute Instagram caption.

“Brevity is so important,” Kwolek tells us. “I like when people just use a caption like ‘This.’ [to go along with their image]. That’s always a good go-to. Something super brief. It should be shorter than a tweet.”
It’s true: All those people you follow who like to #hashtag #every #word #in #their #Instagram #poststhey’re doing it wrong.  “
Gasp. According to Kwolek, if your Instagram caption is borderline illegible, that’s a bad thing. (Though you’d probably never know it from taking a quick scroll through your feed.)
“Add value to the image with the caption,” Kwolek recommends. “When I scroll through Instagram, I don’t necessarily even read the captions. If you want to have a caption that people are actually going to want to read, you kind of have to build that up with the image first. You want people to say, ‘I’m going to look at this image, but hey, I’m going to read this caption too.'” And how do you do that? “
For all the blushing brides out there, this one’s for you: Event-specific hashtags are lame, according to Kwolek.
Yes, à la Beyoncé, Instagram photos without captions reign supreme.
Susan Alexandra’s whimsical bags make us really inexplicably happy.
The clear trend is bubbling up in jewelry, too.
These would complement an athleisure outfit like no other.
The earrings you’ll find adorning every fashion person right now.
Skinny sunglasses keep evolving. 
Minimal design with maximum effect.
See all the modern ways we’re loving to wear pearls right now.
These cult-favorite bags just got a fresh spring coating.
Will there ever be a time when berets are not in style? Serious question.
Wear these to complement all your spring sandals.

How do you approach writing Instagram captions? 

This post waspublished at an earlier date and has been updated.

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This could get ‘very ugly, very fast’ for Boeing, says one market expert

With so much political uncertainty surrounding trade policy, Boeing's pain could grow.
Top News & Analysis

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Ask an Expert: Financing Condo Renovations

financing condo renovations

Q: I entertain often and my cramped, closed in condo needs a makeover to better accommodate my guests and lifestyle. I’d like to access the equity in my condo for financing condo renovations and create an open concept makeover but refinancing my mortgage now will result in penalty fees that I’d rather avoid. Is there a better option?

financing condo renovations

A: In your situation, a home equity loan may be the perfect solution for financing condo renovations. This is a loan secured against the equity in your home but separate from your mortgage. With a Tribecca home equity loan, you can have an answer in 24 hours and have access to your funds within a week so that your renovations can begin without delay.

A home equity loan can be a very flexible option as well, allowing you to customize to your needs. For example, you can use the home equity loan to access the equity now and then, when your mortgage does come up for renewal, you can remortgage to include the remaining loan balance into your mortgage without any penalty fees. You may even qualify for a no-payment plan which lets you access the equity now without taking on another monthly payment and then pay back the principal with interest at a later date; when you remortgage, for example!

One of our Finance Managers can help you go over the options available and customize a plan that will give you the best use of your equity with as little stress as possible! – Rejan Kaushal, Tribecca

If you’re looking to access the equity in your home, the experts at Tribecca Finance can help! To get started, simply Apply Online or call them at (416) 225-6900 and one of their lending specialists will be pleased to assist you.

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Expert on UK Poison: We Have Never Seen It Used

Associated Press

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Some 90% of hedge funds aren’t worth the fees, but there’s still a place for them, says expert

Hedge funds have been criticized for their hefty fees, but there are reasons to invest in them, according to an expert.
Top News & Analysis

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Ask an Expert: Finding the Right Area Rug

I am having trouble finding a rug that works for my dining room! What would you suggest?

First, ensure you are looking for the correct size; large enough that you can pull the chair back with the feet still on the rug. Also keep in mind that the dining table covers the center of the rug so the border design is more important than the center.

If you are unable to find the right rug for your specific space, our custom rug program offers an easy solution. This starts with a home visit where I take measurements and go over your design inspirations. We also determine size, texture and material and help you select colors from an extensive range of options. This information is used to create a design that perfectly matches your needs and style.

Once the artwork has been approved, the design is sent to a master weaver where it is reproduced into an original, beautiful, hand knotted rug. The length of time it takes to complete a rug can vary depending on the materials you choose. Our custom rug program guarantees you’ll have the perfect rug without sacrificing color, style or size! – Nishant Mehrotra, Indo Designer Rugs

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Feds appear to add economics expert for fight over AT&T-Time Warner merger

The arm’s race is underway. President Trump’s regulators, gearing up for their much-anticipated legal showdown with AT&T, appear close to securing a star witness: well-regarded University of California at Berkeley Professor Carl Shapiro, The Post has learned. “He’s as good as they get,” a source close to the situation said. The Department of Justice, which…
Business | New York Post

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This Barre Expert Dishes Exactly What to Wear to Class

As fashion girls, we find ourselves putting in as much effort when getting dressed for a workout class as we do when getting dressed for everything else in life. Just like the explosion of the sneaker market—which, in a few short years, developed into the massively trend-driven scene it is today—activewear is taking its place in the fashion spotlight. With cool new brands emerging one after the other, the question of what to wear to work out is increasingly being answered by a slew of stylish options. Whether you’re headed off to yoga, Spin, or barre class, there’s a plethora of stylish leggings and tops to choose from, each tailored to a specific activity.

So what exactly is the distinction between barre and yoga attire? To find out, we went straight to the source and spoke with Jennifer Williams, the founder of cult barre studio Pop Physique. Whether you’re devoted to cultivating your barre physique or you’re considered a “Pop virgin,” you have to admit that the millennial-targeted, candy-colored studios have come to define this era where the cult workout classes you attend are as much a part of your personal brand as your Instagram feed.

Go on to see what Pop Physique’s founder, Jennifer Williams, has to say about getting dressed for class.

WHO WHAT WEAR: What should first-timers expect in a barre class?

Jennifer Williams: A fast-paced but safe workout, with the principals of ballet technique without the requirement of prior dance training. We focus on posture, active stretching, and muscle toning and elongating.

WWW: Which is better: leggings or shorts?

JW: Definitely leggings! There are parts of the class where you are seated, and you’ll be more comfortable in leggings.

WWW: What should you never wear to a barre class?

JW: Don’t wear shorts or bare feet. You’ll want the coverage of leggings and socks for safety and cleanliness.

WWW: Is a leotard required?

JW: Definitely not. Leggings and a somewhat form-fitting top are ideal (think tank or T-shirt).

WWW: What shoes or type of footwear is recommended?

JW: We do the class in socks. Pop makes two types of custom socks. Our traditional full sock and a more breathable and thinner ballet sock. They come in lots of fun colors and styles.

WWW: What’s your favorite ensemble to wear to a barre class?

JW: High-waisted leggings, a tank, and a light sweatshirt that I can take on and off as needed. I love the cut of our custom J’Adore Barre tank.

WWW: What other pieces of advice would you give to potential barre class goers?

JW: Bring a water—you may want to sip during class. And always eat some protein before! A French- or Greek-style yogurt with some fruit is perfect.

Now shop the must-have activewear pieces for barre classes.

Available in sizes S to L.
Available in sizes 2 to 12.
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Available in sizes XS to L.
Available in sizes XS to 4X.
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How to Style Tassel Earrings, According to an Expert

2017 has been a strong year for statement earrings, and with its most festive weeks still ahead, we’re looking forward to pairing them with every outfit we leave the house in—and maybe some we don’t (you know, for selfie purposes). Top of our list right now is tassel earrings, which manage to look both classic and thoroughly of-the-moment and offer an easy way to incorporate a little color into your look, even if your wardrobe skews toward all-black.

Designer Hart Hagerty has been creating tassel earrings since 2013 when she returned to her native Charleston, South Carolina, after five years of living in Shanghai (she still works with artisans in the city to produce her line). So it’s safe to say she knows a thing or two about how to style the eye-catching earrings in ways that feel fresh and unexpected. To wit: “The beauty of my tassel earrings lies in their simplicity and versatility,” she says. “They go with pretty much any outfit from bohemian-chic to classic-cool.”

Hagerty’s tassels range from OTT double-layered tufts to elegant silky fringe. “I love playing up contrast. I’ll wear the sparkly new holiday earrings with a vintage band T-shirt (the more beat-up, the better),” she says. “The more subdued silky topknots are chic, understated, and cool, especially when paired with timeless classics like cashmere sweaters and slip dresses. They make just enough of a statement for the cool girl’s look. They’re never trying too hard.”

Here are four outfits Hagerty is styling with tassel earrings this season:

Shop our tassel earring picks below.

A cool multicolored metallic for nights when you need something special.
Hoop + tassel = statement earring gold.
Fuchsia is hard to resist.
We love the rose-gold hardware on this delicate pair.
Lizzie Fortunato’s pieces always have a worldly vibe.
The only jewelry you’ll need.
Wear these with your fanciest dress or your favorite gray sweatshirt.
Each pair includes more than 1000 beads.
Easy and elegant.
Party pineapples.
Two tassels are better than one.
Feathers are a fun take on the trend.
No one does vintage glam quite like Rachel Zoe.
Just add jewel tones.
Pack these on your next tropical vacation.
Some shoulder dusters for your holiday parties.
These will make green and blue eyes pop.
Mixed-material magic. Up next: The fresh way to wear all your winter dresses.

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Foreign investors are missing out on bargains in US property, real estate expert says

Foreign investors in U.S. property are missing out on the "real bargains" by overlooking second and third tier cities, says Dan Flanigan, a partner at Polsinelli.
Real Estate

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Expert Care Everywhere: Kaiser Permanente Health Plans Receive Highest Rating from NCQA

OAKLAND Calif. — When tremors from Parkinson’s disease began to severely limit the life of Richard Williams, 70, he turned to his Kaiser Permanente physicians in Northern California — and they offered a dramatic solution.

“I couldn’t eat soup because it was too hard to control the spoon,” said Williams, a retiree in Sonoma, California, about 40 miles north of San Francisco.  “It was challenging to insert a credit card into the self-service slot at gas stations.”

Kaiser Permanente neurologist Rima Ash, MD, knew Williams was “a perfect candidate” for a surgery called deep brain stimulation, or DBS.

In January, Williams underwent two separate six-hour surgeries in which Kaiser Permanente neurosurgeon Patrick Pezeshkian, MD, implanted wire leads deep within his brain. A generator, much like a pacemaker, implanted below Williams’ clavicle delivers high-frequency stimulation to the leads, thus improving the tremors and restoring his quality of life.

“I can’t say enough about the professionalism and skill of my doctors,” Williams said. “But really I had an amazing support system from everyone at Kaiser Permanente. I could feel their concern, and that everyone was right by my side throughout.”

This level of expert specialty care, compassion and personalized service is a hallmark of Kaiser Permanente. The National Committee for Quality Assurance’s Health Insurance Plan Ratings 2017-18, published today, recognize Kaiser Permanente health plans again this year as among the nation’s top performers for consumer experience, prevention and treatment. logo for National Committee for Quality Assurance

NCQA’s annual report rates more than 1,000 health plans, including Medicare, Medicaid and Private (commercial), on a 0-to-5 scale, with 5 being the best. Only 15 health plans in the country (approximately 1 percent) were given a 5 out 5 this year, and Kaiser Permanente has six of them, more than any other organization. All Kaiser Permanente health plans were rated 4.0 or higher for overall care.

In addition, for the second year in a row, Kaiser Permanente is only health care organization in the country to have a health plan — Kaiser Permanente Northern California — rate 5.0 for both its Medicare and commercial populations. And for the sixth year in a row, all Kaiser Permanente Medicare health plans are rated highest (or tied for the highest) in the areas they serve. Kaiser Permanente serves more than 11.8 million members in eight states and the District of Columbia.

High fives for Northern California
Out of more than 1,000 plans rated in the NCQA Health Insurance Plan Ratings 2017-18, Kaiser Permanente Northern California is — for the second year in a row — the only health care entity in the nation to receive a 5.0, the highest score possible, for both its Medicare and commercial (Private) populations.

In addition, there were only 15 “5 out 5” ratings total in the annual report and Kaiser Permanente has six of them. Along with Northern California, Kaiser Permanente Medicare plans in Southern California, Washington, the Northwest and Hawaii each received a 5.0 rating. All Kaiser Permanente plans rated 4.0 or higher.

“The NCQA ratings once again highlight Kaiser Permanente’s commitment to providing affordable, high-quality health care coverage to our members and giving our patients the outcomes they expect and deserve,” said Patrick Courneya, MD, executive vice president and chief medical officer for Kaiser Foundation Health Plan and Kaiser Foundation Hospitals. “Since we began as a health care organization more than 70 years ago, our excellence has been rooted in our clinical experience and evidence-based medicine approach. We know that prevention, early intervention and accessibility help our nearly 12 million members — like Mr. Williams — get well sooner and get back to doing what they love most.”

“Our year-over-year outstanding NCQA results shine a light on our highly skilled physicians, nurses, clinicians, front-line staff and care teams who are dedicated to doing what’s best for the member,” said Michael Kanter, MD, executive vice president and chief Quality officer for The Permanente Federation, the national organization for the more than 21,000 physicians who exclusively provide care to Kaiser Permanente’s members.

The NCQA’s Health Insurance Plan Ratings are based on combined scores for health plans in the Healthcare Effectiveness Data and Information Set®, commonly called HEDIS; the Consumer Assessment of Healthcare Providers and Systems®, or CAHPS; and NCQA Accreditation standards scores.

The ratings and methodology are posted on the NCQA’s website as well as on WebMD.com.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve 11.8 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

 

The post Expert Care Everywhere: Kaiser Permanente Health Plans Receive Highest Rating from NCQA appeared first on Kaiser Permanente Share.

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An Apology Expert Analyzed Greg Gianforte’s Letter To Ben Jacobs

Montana Republican Greg Gianforte, who was elected to Congress last month, issued a letter of apology on Wednesday for an incident in which he physically attacked Guardian journalist Ben Jacobs. 

“I had no right to respond the way I did to your legitimate question about health care policy. You were doing your job,” he wrote.

Gianforte is accused of body-slamming Jacobs after the reporter asked a question about health care policy. It was reported that Gianforte grabbed Jacobs by the neck and broke his glasses. Gianforte was charged for misdemeanor assault that evening and won Montana’s lone congressional seat the next morning.

Jacobs accepted the congressman-elect’s apology shortly after it was released. Gianforte is expected to appear in court on or before June 20. He faces a maximum punishment of six months in jail and a $ 500 fine for his behavior.

Experts agree that apologies, private and public alike, should contain several elements to be considered effective, according to Roy Lewicki, an apology expert and a professor emeritus of management and human resources at the Ohio State University’s Fisher College of Business. 

“The tone of the letter conveys a certain amount of sincerity and genuineness,” Lewicki said. “There’s multiple expressions of regret.”

What makes an apology effective

Research by Lewicki suggests that there are six elements to an effective apology. They are, in order of importance, an acknowledgement of responsibility; an offer of repair; an expression of regret; an explanation of what went wrong; a declaration of repentance and a request for forgiveness. The more elements an apology includes, the more likely the apology is to be accepted, Lewicki said.

Gianforte’s letter is well-rounded based on these standards. Lewicki, who has analyzed prior public apologies, reviewed what makes Gianforte’s note stand out. Below is the letter to Jacobs, re-typed, with annotations of where these apology elements come into play:

Dear Mr. Jacobs: 

I write to express my sincere apology for my conduct on the evening of May 24. My physical response to your legitimate question was unprofessional, unacceptable, and unlawful [acknowledgement of responsibility]. As both a candidate for office and a public official, I should be held to a high standard in my interactions with the press and the public [acknowledgement of responsibility]My treatment of you did not meet that standard [expression of regret].

Notwithstanding anyone’s statements to the contrary, you did not initiate any physical contact with me, and I had no right to assault you. I am sorry for what I did and the unwanted notoriety this has created for you [expression of regret]. I take full responsibility [acknowledgement of responsibility]

I understand the critical role that journalists and the media play in our society. Protections afforded to the press through the Constitution are fundamental to who we are as a nation and the way government is accountable to the people. I acknowledge that the media have an obligation to seek information. I also know that civility in our public discourse is central to a productive dialogue on issues. I had no right to respond the way I did to your legitimate question about healthcare policy [declaration of repentance]. You were doing your job. 

In the hope that perhaps some good news can come of these events, I am making a $ 50,000 contribution to the Committee To Protect Journalists, an independent non-profit organization that promotes press freedom and that protects the rights of journalists worldwide [offer of repair].

I made a mistake and humbly ask for your forgiveness [request for forgiveness]

Sincerely, 

Greg Gianforte

Gianforte’s apology repeatedly accepts responsibility and shows remorse over his actions. That matters, according to Lewicki.  

“One of the things we found in our research was that acknowledgements of responsibility were probably one of the most important components of an apology and he comes back to that several times,” Lewicki said.

Lewicki said Gianforte’s request to repair ― aka, the $ 50,000 donation to the Committee to Protect Journalists ― is somewhat remarkable and does a good job of expressing genuine concern. 

“That’s not chump change,” he said. 

How the apology is being received

Gianforte’s expression has received mixed results, from praise to criticism. Some believe the apology is genuine:

Others denounce the apology for glossing over the initial statement released by Shane Scanlon, a spokesperson for the Gianforte team. Immediately after the body-slamming incident, Scanlon blamed Jacobs for initiating the altercation. 

The apology letter says, “you did not initiate any physical contact with me,” but does not go into detail about the original effort to cover up what happened. 

But Lewicki says what’s more critical now is the apology Gianforte is making directly to Jacobs. However, one letter cannot determine if Gianforte is truly sorry. For that, Lewicki says time is the ultimate decider on whether the contrition sticks.

“You’ll have to look now at how Gianforte handles himself in the future,” he explained.

A solid apology is a good first step.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

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The Love Advice That Shocked Expert Karl Pillemer

SPECIAL FROM Next Avenue

By Suzanne Gerber

You’d think that nothing could shock Karl Pillemer, when it comes to the lives of older folks. After all, the distinguished gerontologist, family sociologist, Cornell University professor and leading researcher on aging (he runs the Cornell Legacy Project) wrote the 2011 bestseller 30 Lessons for Living: Tried and True Advice for the Wisest Americans.

And yet, he says, “I was surprised at how important sex is to a couple’s relationship even into their 80s and 90s. I shouldn’t have been, but I was also hit over the head by how open and willing older people are to talk about sexuality with an interviewer.”

Pillemer is referring to the thousands of hours of interviews he and his team conducted for his latest book, 30 Lessons for Loving: Advice from the Wisest Americans on Love, Relationship, and Marriage. Over the course of two years, they talked with some 700 folks whose marriages lasted an average of 43 years and came away with valuable lessons for everyone — including himself.

View From the Finish Line

Published this month, “30 Lessons for Loving” picks up where the first book left off, but instead of offering advice on a host of topics, this one, as the title suggests, focuses on love and marriage. Pillemer chose that subject partly in a leap of faith and partly because of the strong feedback he was receiving from readers.

The leap of faith was the result of the research he kept encountering. “Study after study showed that people in their 70s, 80s and beyond were actually happier than younger people,” he says.

And the data shows that successful relationships are very important to the next generations, leading Pillemer to conclude that “marriage is here to stay. Nearly 100 percent of young people plan to get married and think it’s a good thing. I know they’re receptive to hearing advice from people who made it 50 years because they’ve got credibility.”

Readers were also writing to him asking for more material on love and marriage. One woman told Pillemer she gave a copy of the first book to her son when he got engaged and at the wedding the couple had a “Lessons for Living” station, where guests were invited to leave comments. Dozens of other readers told Pillemer they gave their children copies and bookmarked the lesson, “Don’t Rush Into Marriage,” as a not-so-subtle hint. Thus, 30 Lessons for Loving was born.

A Dangerous Experiment

According to Pillemer, this is the first time in history that young people have little to no contact with older people except maybe a grandparent. “New data shows that less than one-third of people over 65 have had meaningful conversations with people under 30 in the previous month,” he says. “Take out family, and it’s less than 5 percent. People are more likely to have friends of another race than friends more or less than 10 years apart.”

Not only is this shocking to Pillemer, it’s deeply disheartening. “I think we’re in the midst of a dangerous experiment,” he says. “This is the most age-segregated society that’s ever been. Vast numbers of younger people are likely to live into their 90s without contact with older people. As a result, young people’s view of aging is highly unrealistic and absurd. “

So now, Pillemer says, “I’m focusing on older people’s wisdom and helping creating positive new images. That’s one of the reasons for this book.”

Love and Marriage

Lessons for Loving is divided into five sections — Lessons for Finding a Mate, Communication and Conflict, Getting Over the Hard Parts, Keeping the Spark Alive and Thinking Like an Expert About Love. Each of these is further broken down into six lessons, such as “Give Up Grudges” and “Accept Your Partner As Is.”

The book reads like a candid and entertaining advice column, which is precisely what Pillemer intended. “As an academic I had to learn to write in a whole new genre that I felt younger people could use,” he says. He succeeded. The book is eminently readable.

The “experts” — the author’s solution to the dilemma of what to call folks in this age range — had surprising and enlightening things to say.

Pillemer recently got to put one such gem of wisdom, from a 71-year-old interviewee named April, to good use. When he and his wife were having what he calls persistent and irreconcilable differences about a bathroom renovation, he recalled the woman’s words: “It’s important to let some things go, to figure out what matters and what really doesn’t matter. If [my husband and I] were in some sort of struggle, we would stop and say, “Which one of us is this more important to?” And when we could figure that out, the other one found it so much easier to let go.”

In describing his bathroom drama, he says, “My wife wanted a claw-foot tub, and I wanted a stall shower. The disagreements went on and on until I recalled April’s advice and realized how important the tub was to my wife. So I let her have it. It might sound small, but it was huge to us.”

The best thing about researching and writing this book, Pillemer adds, was the long view it’s afforded him. “It never hit me before, but marriage is really a discipline, where you agree to forgo something for long-term success.”

His other big takeaway: “I have a renewed sense of hopefulness that we can keep things vibrant and exciting.”

Now, that’s exciting.

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