It’s not even cold yet, but our sun-kissed skin tone has already faded. Though you can fake it with rosy blushes, Benefit’s new Watt’s Up highlighter gives you a dewy, Michelle Williams/Gwenyth Paltrow–esque glow without making you look like you’ve layered on the makeup. The champagne-colored stick is creamy, but blends like a powder with the sponge on the opposite end. The effect is a soft, barely there sheen that makes dull, water- and sleep-deprived skin look fresh.

$30 at Benefit, 454 W. Broadway, nr. Prince St. (opening Tuesday)

Chantecaille’s Fall

Lip Chics

Just in time for fall’s rosy cheeks and darker color palette, Chantecaille releases two new berry lip shades, Violetta and Calla Lily. Violetta is a deep blackberry hue for a dramatic night-out pout, while Calla Lily’s cranberry tone is bold, but more versatile (and universally flattering) than a true red. The high-emollient lipsticks are creamy and moisturizing — comparable to Dior Addict — but with a shinier finish. Though the lipstick glides on like a gloss, the color isn’t watered-down. They pack the rich hue of a lipstick with the smooth feel of a balm.

Chantecaille Lip Chics, $32 at Barneys or online.

Healthcare providers, particularly those with a large mix of Medicare related transactions, are in for a cash and profit squeeze. Refinancing existing medical and office equipment leases can be a way to ease the pressure. According to AMA President Jeremy Lazarus, 45% of physicians in the American Medical Association plan to decrease or stop the acceptance of new Medicare beneficiaries if Congress does not act to stop a 5% decrease in Medicare payments. These payment reductions are scheduled to go into effect in 2007. According to Lazerus “Over the next nine years, Medicare will cut physician payments 37%, unless Congress acts before January 1, 2007″, adding, “at the same time, the cost of caring for those patients will increase 22%, and that math just doesn’t add up”. The cuts, which would reduce payments by $2.8 billion over five years, are included in a 2006 deficit reduction package.

Should the projected cuts hold up, providers will need to become more operationally and financially efficient. One way to offset the decreased cash flow is to refinance equipment. Many providers are making very large monthly payments because they have opted to execute four or even three year leases. There are now medical equipment financing options available that can spread those payments out over a 96 month period. For example, a physician needed $500,000 of equipment to start his practice and signed a 48 lease. Payments on the lease, assuming an 8% interest rate, would be approximately $12,200 per month. If that equipment were refinanced at the beginning of year two, the balance would be approximately $380,000. Refinancing that balance over 96 months would result in payments of $5,400 per month, a cash savings of $6,800 per month or $81,600 per year.

The provider should carefully review the equipment being used to determine if he is a good candidate for long term refinancing or even buying new equipment for longer amortizations. If the medical equipment is likely to withstand an onslaught of technical advances, a refinancing could be the ticket to helping offset the specter of Medicare payment deductions.

Article Source: http://EzineArticles.com/315196

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