Children’s Health Choices

Making Smarter Decisions

Helping Low-Income Potential Homeowners And Those Saving For College

NexBank of Dallas, Texas, has a partnership in place with the nonprofit organization Dallas Neighborhood Homes. The point of this partnership is to create affordable home opportunities across the southern half of Dallas. Dallas Neighborhood Homes is a low-cost mortgage service provider who also works with the Dallas chapter of Habitat for Humanity. The goal is to provide low-income residents with at least 100 mortgage loans a year from 2016 to 2021. NexBank SSB is a regional bank which will provide up to $50 million in loans in support of this effort. In addition to offering loans, this partnership also provides financial counseling services to the people they are serving.

As part of this partnership, NexBank will cover all of the title fees due on closing. They will also pay up to $2,000 of the closing costs for each of these loans. Mark Tribuna an executive at the Dallas chapter of Habitat for Humanity. He put out a statement thanking NexBank for doing their part by making sure that there is low-income housing available for those who need it. He said that the area they are targeting has one of the lowest homeownership rates in the United States and they are working to address this issue.

NexBank also helps students go to college. In December 205 they bought College Savings Bank. This bank, located in Princeton, New Jersey, offers 529 college-savings plans. The president and CEO of NexBank, John Holt, put out a statement that College Savings Bank would continue operations as before, keeping both their name and branding. He said that this purchase, the terms of which were not disclosed, would benefit everyone involved.

Another NexBank executive, Executive Vice President and COO Matt Siekielski, stated that this purchase would help his organization better meet the needs of their clients. It would also benefit families who are trying to save for college educations. He said this transaction was a way to responsible expand what NexBank offers and would meet both their short-term and long-term goals in regards to growth.

Foodservice Innovation, Excellence & Determination: OSI Industries

OSI Industries has come a long way since its inception back in 1909. This extraordinary food wholesaler wasn’t always at the top of its class. Located in Oak Park, Illinois, this particular meat locker actually came from humble beginnings. Back in the early 1900s, OSI was owned by a family that was known as the Kolschowkis. Otto Kolschowki founded the company shortly after relocating to the US. This immigrant was part of Chicago’s 25 percent German demographic. By providing some of the best tasting meats in the area, Kolshowski was able to build his brand by forging numerous deals with food retailors. The state of Illinois has always been a large participator in agriculture thanks to its rolling farmlands and Kolshowski used agriculture to boost his sales.

In the late 1960, cryogenics changed the game for the better. Food providers could now distribute their goods over longer distances without ever having to worry about the meats going bad. This opened up the door for big business, especially if you were part of wholesaling food products. The company didn’t change its name to OSI Industries until 1975. It was being promoted as Otto & Sons prior to the 1970s. In1973, OSI built its first factory that was dedicated to beef. Since the company was already one of McDonald’s main suppliers, a new facility was opened in West Chicago. Everything about this facility was geared toward the hamburger making process.

As the decades continued to pass, consumer-driven products were the norm. OSI Industries jumped into custom-food production. By taking a client’s specific instructions, the R&D specialists here could turn an idea into an actual product. No other food provider was doing as much as OSI and the results definitely showed when it came to earned revenue. In 2011, the company was ranked by Forbes as the 136th largest private company in America. During this year, OSI generated more than $3 billion. This upward trend has continued to this very day. Unfortunately, this short article won’t do OSI Industries any justice. In the end, the results truly speak for themselves.

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Deirdre Baggot: A Healthcare Pioneer

Deirdre Baggot is a veteran in the healthcare industry. She began as a nurse and has climbed her to the top of the executive ladder. She works to create solutions for patients. Most commonly, she is known for her work with bundled patients. Patients with chronic illnesses or who regularly visit the doctor, tend to be billed separately for many different procedures, treatments and medicines. This can be time consuming for medial billing staff. Additionally, it is also costly for the patient. Bundled payments solve both of these issues. Bundled payments allow for patients to be billed at once for their medical procedures. It also saves patients more money than the traditional way of billing. Follow Deirdre on Instagram

Deirdre Baggot has been working in the healthcare field for over twenty years. She studied at the University of Colorado studying philosophy. She earned her MBA from Loyola University in Chicago, Illinois. Additionally, she also has a nursing degree. With her bachelors degree, MBA and PhD, she has worked herself up to being an advisor to many executives for medical facilities and organizations. She helps these companies develop and strategize to create bundled payment systems to better help staff and lower patients’ medical bills.

Over two hundred hospitals have been helped by this healthcare pioneer. She has instructed hospitals on how to enrich the patient relationship. She had done this by enabling and implementing bundled payments to these hospitals. Patient experiences have improved due to bundled payments. Since both hospitals and patients are saving money these forms of payments are more favorable than traditional means of billing. She also advises the senior level of leadership for the boards of major healthcare companies. She has worked with and led bundled payment system creations for Medicaid and Medicare providers.

The healthcare pioneer has written several papers on her discoveries for the healthcare industry. She is known across the nation in the medical community. She frequently speaks at the American College of Healthcare Executives and the American Heart Association. She speaks at bundled payment and medical billing events held by the Healthcare Financial Management Association and other summits. Visit:


Talos Energy Rises Against All Odds

Talos Energy LLC is a gas and oil company that expertise in the production and development and exploration of oil and gas properties in the Gulf of Mexico and in other Gulf Coast. The company was initially founded by Timothy Duncan in the year 2012. He has raised an equity value of $600 million from Apollo Global Management and another investment firm Riverstone Holding of San Antonio. The company has its headquarters based in Houston, Texas. Timothy Duncan is the former CEO and president of the company. Duncan had to go through a difficult and challenging process for making Talos Energy the successful company that it is today. He had to literally pass a time of flood and storm which had become a cause of obstruction for the listing and merger process of Talos with Stone Energy which was a public company but the only drawback was that it was bankrupt. Acquiring such a big company that was going through financial troubles was a big and risky decision that Duncan had taken.

Finally after a lot of hassle, Duncan had taken over the merger with Stone Energy. Talos Energy was to officially take over the shares of Stone Energy’s listings in the month of May. Duncan estimated it to be a huge turnover for the company as it would gain him an annual return and revenue of about $900 million. As a result all the assets of Talos Energy would be within the Gulf of Mexico. The company’s balance sheet was at a low point of risk with a debt of $700 million against assets of about $2.3 billion. I barely offset the huge risk of operation of extraction process as the country was going through some natural challenges of flood and the cost of digging and drilling in that water would be millpond of dollars.

Duncan believed however that he could go pass all the odds. He was confident and came up with the process of using hydraulic fracturing, a new technology, that could be used for the old fashioned reservoirs. Talos took the bet and is now currently producing 48000 barrels on a single day and hopes to achieve a lot more in the coming future.

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Where is Brian Torchin Taking HCRC Next?

Brian Torchin is always determined to transform the healthcare sector into more quality service provision. He has received several endorsements and awards due to his determination and an outstanding career. Brian is said to be one of the most experienced medical practitioners with over 30 years of experience. From the three decades in operation, Brian Torchin was able to learn all the ordeals that medical practitioners face. Thus, he founded HCRC which was established with a core objective of assisting medics in staffing. Read more on Behance about Brian Torchin

Healthcare Recruitment Counsellors (HCRC) is a staffing and recruiting agency in the healthcare sector. It provides staffing services to dentists, orthodontists, gynecologists, and other players in the healthcare sector. As a long-time medical professional, Brian came across the ordeals that medics were facing in hiring and recruiting employees. The staffing and recruitment process usually takes a long time since you have to create a job advertisement, draft a hiring and requirements form and then set a hiring team aside. As described, this will consume more time and resources. In other cases, you might end up hiring the wrong candidate who can damage your reputation. With these reasons, Brian decided to create a hiring agency that would provide staff to the healthcare sector who would be best suited for the job and offer quality services to patients even on a weekend basis. HCRC also provides staffing services to legal firms. Through his social media platforms, Brian advises his fellow medical professionals to contact his staffing firm for accrued benefits.

Under the leadership of Brian Torchin, HCRC has succeeded as a staffing agency in the healthcare industry. The firm only started with offices in Delaware and Philadelphia. Today, HCRC has become among the leading staffing agencies across the globe with subsidiaries in Europe and Asia. Brian Torchin has succeeded in his career where he currently serves as the president of HCRC. The firm provides services to over 200 clients and companies. Brian is a community leader since he has enabled thousands of medical professionals to acquire job positions through HCRC. He states that he will continue to venture into the healthcare industry until patients are provided with efficient services. Read more:


Why Deirdre Baggot Is Working Bundled Payments Into Healthcare Systems

Over the past 10 years and beyond, health insurance has seen costs rise higher, yet consumers are not getting more for their premiums. There are healthcare professionals who also have backgrounds in business administration and accounting who are working to change things through lower costs and better care options such as bundled payments expert Deirdre Baggot. Deidre Baggot once said that bundled payments system her firm has rolled out have a track record of making healthcare more affordable since starting in 2010. She and her current team are working on new disruptive bundled payment constructs and are excited about where the future of health insurance packaging is heading.

Deirdre Baggot currently serves as Vice President of the Camden Group, formerly known as ECG Management Consultants that offers its bundled payment system to healthcare providers all across the nation. She achieved a high recognition in the field when she became a reviewer for Centers for Medicare & Medicaid Services running analysis on the Care Improvement Initiative. Her research on healthcare payment systems and finding new ways to innovate in physician consultation services and other primary health care within the bundled systems has led to the publishing of over 20 papers, and she travels to speak at different health seminars. Follow Deidre Baggot on Instagram

Dierdre Baggot attended nursing school at Southern Illinois University where she finished her first four years in the program, and then completed her master’s at the University of Colorado. She later got her business training at the Wharton school at University of Pennsylvania and the Loyola Business Graduate School. Prior to becoming a private healthcare bundled payment consultant she was an administrator at the Exempla Saint Joseph in Denver cardiovascular institute where she was instrumental in getting a pilot program started for a treatment. Other organizations that she’s given advisory services to include the Veterans Health Administration and Medicare Acute Care Episode Demonstration. Baggot has also made appearances at national media outlets and sat down for interviews for public radio, The New York Times and various television news shows. Baggot is working on her PhD in Health Administration and is also working with a major nursing board. View:


Vijay Eswaran, the QI Companies Executive Chairman

Vijay Eswaran is an accomplished Malaysian businessman. He was born on the 7tn of October 1960 in Penang. He attained his degree in social economics from the London School of Economics in the year in 1984. He later proceeded to Southern Illinois University where he received an MBA.

Vijay did many jobs to raise funds for his University education. While at London, he worked as a taxi diver, he also worked in farms in France picking grapes. As an information systems engineer, Vijay worked for many corporations in both North America and Asia.

In the year 1998, Asia’s economy was destabilized, Vijay took this opportunity to start a selling network in the Philippines. He used e-commerce in his business, this saw it grow to become one of the best in the country over a period of just one year. He later named the company QNET which is now dominant in the market.

Vijay Eswaran founded the QI group of companies that involve a variety of businesses. The company has over 1700 dedicated employees serving entrepreneurs from all over the world. It deals with many investments such as education, health, and real estate.

Vijay Eswaran is also a renowned philanthropist. He has set aside ten percent of the profits from QI companies to go to charity. He established the Vijayaratnam and RHYTHM foundations in 2005.

These foundations are meant to assist kids with disabilities especially in Asia, Africa, and the Middle East. He also established TARINA which is a school based in Malaysia, it is specifically designed to cater to the needs of children with special needs.

Vijay Eswaran is also a book author and a motivational speaker. He has published most of his works. “In the Sphere of Silence” is one of his most famous books which has sold millions of copies worldwide. He is also invited to many functions such as the World Economic Forum as a speaker.

Vijay Eswaran is married to Umayal Eswaran and they both live in Kuala Lumpur. He continues to mentor entrepreneurs globally. He has been recognized by many international groups such as the ASEAN Business Advisory Council and received many awards for his contribution.

Deirdre Baggot Explains All You Need To Know About Bundled Payments

She has been on the forefront of ensuring everyone understands what bundled payments are all about in healthcare industry. Deirdre Baggot has been vocal on BP hence has been invited by various organizations to make known to them what this topic is all about. She is an expert reviewer for Bundled Payments at Medicare & Medicaid Services (CMS) and has been leading bundled payment Demonstration at Acute Care Episode (ACE). BP will mark the end of physician fee that’s usually paid for a certain service and Deirdre Baggot expounds more on this topic. View Deirdre Baggot’s profile at Linkedin

According to this renowned and respected voice, the entire success of BP is based on the articulate vision of the leadership, the effectiveness of their decision and the honesty in their services. For bundled payment to work perfectly in healthcare organizations, they must imbibe the following truths about BP:

# Truth 1: Avoid everything that patients don’t need

With the bundled payments, healthcare organizations will no longer be providing diagnostics and other therapeutics of their patients. This time they will be required to provide the procedures and also the tests that the patients need. This means providing all that the patients need.

#Truth 2: No more volume play

Unlike ACE Demonstration where the CMS offered their patients market exclusivity, bundled payment does not provide this offer. With BP the healthcare organizations will be giving much higher discounts and in case they don’t lower the healthcare cost, then there will be financial havoc.

#Truth 3: BP comes with changes

You must be able to manage changes especially in management because it requires qualified and competent leadership

#Truth 4: Real accountability

BP is based on tangible evidence. Whenever a clinician makes a mistake, it will be evident and hence no one will be blaming others because of their own mistakes. This means adherence to the set best standard is a necessity in BP.

By knowing the above truths, it will be easier for any healthcare to operate the bundled payments. Deirdre Baggot has served at Camden Group as the Vice President for more than 6 years. She has been in academic healthcare at the University of Michigan Health System and Northwestern Memorial Hospital. He has also authored over 20 papers on BP.



The RealReal: Giving the You The Best That Your Money Can Afford

The RealReal has been turning heads in the fashion industry by looking at a model that many have not thought about in the past, they are working with private sellers in order to help them sell their fashion luxury items to eager buyers. The way that they do this is that they have sellers send them the material, or they pick them up directly from them, and then they inspect them to determine their authenticity. They have a dedicated department that is specialized in determining whether or not an item has been faked, this protects both the company and the buyers. Once they have determined that an item is real they will post it on their website, they also have a retail location in Soho that has just recently opened. Items posted on The RealReal’s typically do not last more than 30 days, and many pieces are gone within minutes. This creates a great opportunity for individuals that are looking to unload last year’s items or make a little extra off of things that they do not use any longer.

 The growth that The RealReal has experienced is enormous. The RealReal has been so successful that they are actually seeking additional funding, to the tune of $100 million, to expand their business practices and retail locations. This is a wonderful alternative to purchasing items that have been recently made, it creates a more sustainable industry when items are reused instead of being thrown away. An article discussing some of the growth that The RealReal is going through can be found on Jason Del Rey wrote the article, “The RealReal-The Fashion Site That Sells Secondhand Gucci and Louis Vuitton-Wants to Raise a New $100 Million Investment” and is a great resource for anyone that is thinking about purchasing items from the company. Not only will it give them more information about their services, but it will also inform them about the company’s potential growth in the future. There is no doubt that with this standard of practice The RealReal will build a type of following among their customers looking for the best their money can afford.

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The Growth of OSI Group

OSI Group is one of the largest food providers with 65 food preparation locations in 17 countries. It employs 20,000 workers and supplies the foods many of us eat every day: Subway, Pizza Hut, McDonald’s, Papa John’s Pizza and Starbucks. OSI started from very humble beginnings with the efforts of a German immigrant named Otto Kolschowsky. Kolschowsky arrived in Chicago, Illinois in 1914 and opened a butcher shop in his community.

He expanded that small shop to include his sons and called it Otto & Sons in 1928. The partnership that started the exponential growth of OSI Group came about when Ray Kroc, then the McDonald’s franchise agent entered into a handshake agreement with the Kolschowsky Sons, Arthur and Harry before opening the first McDonald’s franchise in 1955. The Kolschowsky Sons agreed to supply McDonald’s, owned by Ralph and Harry McDonald with fresh ground beef.

Years later, Ray Kroc bought the McDonald’s franchise from the brothers and his relationship with OSI was firmly in place as the franchise grew so did OSI. OSI, once simply a regional supplier grew to the demand and became a worldwide provider of prepared foods in the two decades after WWII. Otto & Sons focused its energies on producing a consistent product that was consumer driven and could be transported long distances maintaining its freshness.

Technological advances made it possible for Otto & Sons to transport their product over long distances and remain fresh. That technological advance was flash freezing. Liquid nitrogen made it possible to quickly freeze foods. This led to cost reductions and product expansions.

In 1973, Otto & Sons built a plant in West Chicago dedicated solely to producing food for McDonald’s. From that model, Otto & Sons expanded into the Glenmark brand which supplied food for local retail markets and restaurant chains. In 1975, Otto & Sons became OSI Group and branched out from being a local and Midwest food supplier to an international supplier. Harry and Arthur Kolschowsky were approaching retirement years and for the first time the reigns of the company were handed to someone outside the family.

Sheldon Lavin joined the company and became a partner in 1975. OSI opened its first plant outside of Chicago in West Jordan, Utah in 1977. It continued to open additional North American facilities and when McDonald’s went overseas, OSI followed suit. They expanded into Germany in 1978 and Spain in 1980 along side McDonald’s. Sheldon Lavin officially became the CEO and chairman in the early ’80s. Under his leadership OSI Group has seen the acquisition of other large food suppliers worldwide and growth. OSI is now one of the largest privately owned companies in the world with sales of $6.1 billion annually.

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