Dan Neumeister is a Multi-talented healthcare executive with extensive hospital management skills. Areas of expertise include physician and board development, implementing organizational change, healthcare industry mergers and acquisitions, sales and marketing, and financial management for medical centers and community hospitals. Experienced in developing trauma/E.D. call systems, physician development strategies, and joint ventures.

His academical history as listed on his own website is graduated from:

Trinity University, San Antonio, TX
* as a Master of Healthcare Administration, emphasis in Finance, 1979

San Diego State University, San Diego, CA
* as Bachelor of Science, Business Administration, emphasis in Personnel Management, 1977

Some of his career portfolio as Independent Consulting from the year of 2007-Until now:
* Seneca Hospital District – Led the board through a strategic planning process to determine future direction of the organization including an assessment of options encompassing lease, affiliation, contract or independent management resulting in a successful contract management/affiliation agreement.

* California Hospital Association – Successfully assisted in the analysis and development of a Statewide Disaster Plan in regards to surge capacity in the event of a catastrophic disaster for an association providing support to 450 hospitals.

* Renown Regional Medical Center – Spearheaded the development of a work plan for this 800 bed facility to significantly reduce operating expenses by $40 million in order to meet 2% operating margin for the 09 budget year.

Please check his scribd profile and see his summary.

Buying patio furniture may be tiring and bothersome if you have to do it physically in person as you may need to visit several shops before finding a really suitable one. However, with the Internet, you can search for the kind of furniture you want for your patio. There are also pictures of the products available for preview online. You can select from a range made from various durable material such as teak furniture or wicker furniture. The dimension, shapes and colors of the furniture can also be viewed online to make your purchase easier. Furthermore, the prices that are offered for the advertised furniture tends to be cheaper than when you buy directly from shops as companies sells the goods directly to customers and not through merchants or retailers. However, the postages that are incurred when transporting your furniture will normally need to be borne by you unless you happen to stay within a certain radius of the company’s based office.

Outdoor heaters are not excluded from online shopping. You can find many ranges of outdoor heater such as gas heater or electric heater. Electric heaters are pricier than gas ones simply because they look better. Some even comes attached with solar or electrical lamp making them function as both heater and lights for the garden. Some look very elegant and stylish that they look like a decor for the garden as well.

There are so many varieties of patio umbrellas on the net that you will be spoiled for choices. Just be sure to go for the type that suits your garden and taste. Is it the tilted one or the offset; wood or metal? What color will suit your garden; single colored umbrella or two colors? They even come in multiple colors and patterns. Not only there are variety in colors, they differ in shapes too; round, square or rectangle. Choose from petite size to the largest one or; you can have the size customized to suit your garden. Apart from this, you can also buy patio umbrella stand that can help your umbrella to stand perfect and strong.

All in all, shopping for outdoor goodies such as patio furniture, outdoor heaters and patio umbrellas online can be really fun and save you plenty of time. You have a wider range to choose from in comparison to the few shops that sells such things in your area. In addition, you can also compare the prices offered by the different online companies and make a good bargain for your purchases. It can truly be said that shopping in such a way is undoubtedly very convenient and easy. It is also starting to become a trend in most society to buys good on the net. People are starting to accept and embrace the selling and purchasing of goods this way and are most happy about it. However, there is one drawback for doing online shopping. And that is, you must have a credit card!

Most people are aware that you can reduce your taxes by deducting expenses and qualified charitable contributions. What most people don’t realize is that small business owners live and die by those deductions. Tax rates have risen on the self employed more than any other segment in our society. To counter these tax hikes, legislators created more “loop-holes” write off’s and deductions for small business owners to use.

For this reason, small business owners rely on creative CPA’s to maximize their deductions in order to show less income and pay less taxes.There are nearly 23 million small businesses in America and over 35 million sole-proprietors and almost every one of them employ savvy CPA’s to keep them in the black. The draw-back is that by doing this most self employed borrowers are unable to prove enough income on paper when applying for a loan or a mortgage.

Traditional mortgage lending practices of yester-year required that borrower’s prove sufficient income when taking out a loan. Over the years, taxes have risen for small business owners at staggering rates, far above what they have for W2 employees. At the same time the self employed borrower’s “provable” income has dwindled proportionately. Under traditional banking rules most of the self-employed people wouldn’t be able to qualify for business loans or mortgages. This would ultimately force small business owners out of business and cripple our would economy.

This new business paradigm literally forced the banking industry to create lending products that catered to small business owners who could not prove all of their income. These products were called “stated” income loans and did not require borrowers who had good credit to prove their income. These products originally required good credit and sufficient assets in order to qualify for them. Responsible guidelines and common sense underwriting kept default rates on these products in line with conventional mortgages. Unfortunately, as competition for this segment of borrowers stiffened between lenders the stringency to qualify for these mortgages softened, thus the mortgage crisis.

It is exactly this type of loan that our law-makers are trying to do away with through legislation. The new mortgage bill being bounced around has specific remedies for irresponsible lending. Meaning, if a bank loans you money and it can be proven in court (attorneys like this law by the way) that the bank was irresponsible in doing so they could be penalized. The definition of “irresponsible” is did the borrower have the capacity to repay the loan, meaning did they prove enough income. This bill will kill stated income loans, period.

So where does this leave the responsible self employed borrowers who needed these loans to live and operate their businesses? This leaves them with higher taxes. Should this bill pass self employed borrowers will be forced to claim more income each year on their tax returns in order to qualify for car loans, mortgages and even business loans. This will negate any of the loop-holes and deductions they were promised in lieu of higher taxes.

This means the government will rake in billions in extra revenue as a result of this bill. For example, let’s assume that a small business owner claimed $40,000 in income last year after deductions and business expenses. If she was in a 40% tax bracket she would pay roughly $16,000 in taxes. Under the new banking guidelines that same business owner may have to claim $80,000 In order to qualify for mortgages, car loans and business loans. Assuming she’s in the same tax bracket, she would now have to pay $32,000 in taxes.

Multiply $32,000 by 23 million business owners and that’s one huge pay-day for Uncle Sam. You can bet that the Senators pushing this bill through congress are well aware of this left handed tax raise. You will never hear them mention it either, I wonder why?. You will hear about the naughty lenders that put good wholesome red blooded Americans in the street through predatory lending practices. You will never hear about the 20 million business owners who paid their mortgages on time and actually need these loans to stay in business.