FIN

Read carefully over each plan. Take particular note of such details as:

Preventive Care: Most plans provide preventive care services free of costs charged out-of-pocket. Take time to confirm through your plan what is included under this coverage.

Pharmacy Benefits: Look into your formulary list so you would know if your prescribed medication is covered, as well as the conditions attached.
Rules: All Advantage plans that provide benefits other than major cover telemedicine, mental health, wellness programs, and preventive care amongst others.

Ease of getting an appointment : How

Ease of getting an appointment : How long are you really waiting between you call the provider in order to get an appointment with your primary care doctor and then he sees a specialist?

Telemedicine option: Can you really, via video, really see the face of the professional in real-time? That would make everything work better if that is indeed being offered, especially with all the issues that came about from COVID-19.


Right health insurance coverage needs deep thought on your health needs, budget, and plans. With proper research and comparison, you can fetch a good plan to meet your

Financial reporting has now become a component of the consistent and smooth operation of a business and its broader economy. Investors, regulators, and stakeholders rely on these reports to gain an idea of the financial health and prospect of a firm. However, though, financial reporting can sometimes hide underlying problems or present fraudulent activity. Red flags in financial reporting will then distinguish manipulations, errors, or even frauds. As the article further points out, we examine those common warning signs of something amiss about the firm's financial reporting.

The most serious red flags in financial reporting are aggressive and unusual accounting practices. Companies would inflate earnings through creative accounting measures, smooth revenue, and hide expenses. For example, a company realizes revenues precociously by recording sales even before the delivery of the product or service. These methodologies would indeed create distortions of the real performance of the company.
Another is lack of consistency of accounting policies over periods. When accounting practices change too frequently for reasons not justified enough, it may perhaps be an attem

Probably the most valuable to look out for, in terms of an indicator, are revenue trends. Either unusual or unexplained trends in revenues may indicate trouble. A meteoric and high rise in revenue that does not correlate with rises in costs and market demand may also indicate inflated sales figures on the part of the company.
Declining revenues that cannot be explained through external market or industry conditions also is something of a red flag. A company may mask financial distress by reporting top-line growth, but if such growth cannot be explained by anything such as the introduction of

The most obvious indicator of a company pertains to the frequent restatement of financial statements. For the most part, restatements actually indicate errors or misstatements occurring in reports previously filed on finances. This means that companies are sometimes required to restatement preceding reports on financial performance results. Although one or two could be mere honest mistakes, several restatements would likely be a problem with the process by which the company reports its finances.
These restatements of earnings may be an indication of weak internal controls and possibly even m

Most revenues of a company should be coming from core operations. However, it flags up if the major income of a company is generated from its non-operating activities, such as money received from the sale of a few assets, investment income, or some other one-time items. Such an income does not prove tenable and thus can hide the underlying performances of a company.
A company whose major dependence on streams of this nature is to generate income or profit results or simply to avoid net losses can obscure serious issues with its core business. Investors should also be wary of unnatural or odd

All those transactions of a complex or highly structured nature and, specifically, relate to parties or offshore entities should flag an alarm. Sometimes, the financial transactions may be presented in a disguise, and there is an advantage in masking the real financial position of a company. For example, a company might make some complex leasing arrangements, special purpose vehicles, or even off-balance-sheet financing that would disguise liabilities or inflate assets.
After all, not every complicated deal is a scam, but many bizarre or obscure structures will always need closer scrutiny. W

Financial reporting is made with many estimates and judgments. For example, for the purpose of estimation of depreciation or bad debts, a firm has to decide upon the useful life of an asset. The more subjective estimates a firm adopts, the more doors it opens up for possible manipulations.
For instance, a company can overestimate its earnings by undervaluing the cost of depreciation or even aggressive and optimistic valuations of sales that are expected to occur in the future. Therefore, investors and analysts should be wary of companies whose earnings seem to have surpassed expectations t

If accounts receivable increase sharply but seem not to be matched by the growth in sales, then it could inflate revenue figures for the firm. Accounts receivable is the amount of money customers owe to the firm. If accounts receivable are increasing at a higher rate than sales growth, that would mean the firm will be collecting revenue from sales for which the firm has yet to receive collection.
This could also mean that it is expensive to collect the cash from the customers, and, therefore, there would likely be future write-offs or bad debt expenses. Thus, investors need to dig deeper int