August 21st, 2009 / Author:
The U.S. president Barack Obama said today that it considers a “good idea” the plan of a state health insurance but reiterated that it is not the only aspect under consideration of the reform of the health system.
Obama, in a live broadcast from the White House in a talk-show of a radio in Philadelphia, said that his position on the so-called “public option” has not changed.
August 18th, 2009 / Author:
On the earth seems to be the presence of a large Bermuda triangle is always more to be confirmed. This can be inferred that ships disappear, millions of tax and government bodies. Ok, the car service Ulla is resurfaced. Was also a Mercedes. Or was it the lack of insurance? Cheated in the government did not, and certainly not an insurance fraud. Also my work is motivation vanished, thank God, still not my job.
My treasure is as I know they have, unfortunately, also passe. Could it, however, the hormonal tsunami triggered by the pregnancy lie. My financial flexibility for this month dissolves every day even further. I hope that the next 1st not disappear in the Bermuda Triangle.
The Italians also seem to fear and miss their last money in the lottery with a pot of 131.5 million euros. Times about what to do with so much coal can make!
But it’s even more: In Jackpott the American “Power Ball” are converted 150 million euros! I suppose part two lotteries. If yes then double the chance of winning.
The performance of our national team this week was not intoxicating, two glasses of coke would be more effective. Loew said that the elf still 6-7 needs to games together. Uh, is not the quality gone?
In Südhessen there soon because of an impending plague cockchafer no more forests. Now you want to use helicopters to the insecticide “Perfekthion” to spray. Still looking experienced Vietnam veterans as a pilot.
This week I also read that Candida albicans is gay. What a huge surprise! I knew what did not. Until this article I have read reasonable times. It is a yeast! However, I have not checked, such as with the propagating make. Bin halt resident education.
Now a tip for the contents of our intestines, called NPD. According to Federal Supreme Court ruling to upload your Nazi slogans in English and Scandinavian may go free from this criminal. Ist doch toll! For example, “sound go Home!” Or so. While You’re stupid, but not stupid. Since you will use some creative ideas.
No sooner has their official Ulla back düster it again to the health insurance and has money in the luggage. She wants state funding with the sluggish Krankenkassen in pig flu vaccination support. That must be too! The action should have no lack of money to fail. So dear country governments, suggests you do not or did so on their other routes, the pharmaceutical industry and their lobbyists to give money? Emergency, so you can increase the cash contributions. All for one and all for one, or something like that.
In early October, the vaccine for 30% of the population is available. How quickly time flies. Five-year test phase of the vaccine are gone. Did I somehow missed. Thank God, the disease course of approximately 11,000 in Germany infected mostly mild. Then, we create it until October.
Again back to the NPD, as called her CDU supporters sound? CDU quota nigger? You want to send him home. But he is not here at home? Has he not the German citizenship? Achso, it goes to the origin principle. Then we have for you, yes, the monkey enclosure in the zoom zoos in the wild primates as you can not go back.
August 18th, 2009 / Author:
The cases of the so-called “Home-jacking” in Germany in 2008 continued to rise. In this form of organized auto theft offenders have especially on expensive cars apart. These break the perpetrators in apartments or houses, to the car keys and vehicle documents to steal. With this type of car was stolen from the Bundeskriminalamt (BKA), an increase of 31 percent to 176 cases.
Also the number of car thefts in houses or garages, the showroom-jacking “, has increased the share rose by 300 percent to 132 burglaries. Often not only the cars but also workshop equipment stolen. In the “business premises-jacking” is an increase of 200 percent to 45 cases reported.
Home-jacking when the insurance pays as with other car-theft cases. The policyholder is under the General Association of German Insurance Industry Association (GDV), however, for the burglary proof. Does the insurer and the police no credible evidence of the burglary and theft before the key, an expert must be consulted.
August 18th, 2009 / Author:
Sie had colorful T-shirts with slogans and banners in their hands, they had brought drums and megaphones to loudly express their views known. “Parasites,” cried those on the right side of the road at the high school in Portsmouth, New Hampshire, on Tuesday in none other than the president was expected. “Ignoramuses,” countered those on the left side of the road and of the political spectrum.
And it was in Obama’s visit to New Hampshire to be tame in comparison to the previous “Townhall Meetings”: In the experiment, a massive campaign against his Conservative attached to tackle health care reform, MEPs had Obama in civic conversations skillfully, in order for his plans to advertise.
It was not only to demonstrations against “Obamacare” arrived, it had heated debates and even fisticuffs where. Members were niedergebrüllt, fell in between Hitler or Stalin comparisons. In Maryland was a democratic member a straw image of himself to the gallows, his colleague from Austin, Texas, received a Pappmascheegrabstein with his name on it.
Alleged “death committee”
In addition, all sorts of rumors making the rounds, whose emergence last but not least, Sarah Palin, notorious vice presidential candidate of the Republican, was involved. On her Facebook page said Palin to a “death committee” that decides who should receive treatment and who does not. Also from the “Euthanasia Program” was on the side of conservative critics of speech. Although not entirely clear who is behind the demonstrations. The Democrats at least suspect that ultra-right groups and lobbies, such as those of insurance specifically staged protests.
Obama wants to smooth out waves
Earlier this week Obama’s team was finally forced into the counter-offensive to go. On a dedicated page of the homepage of the White House invites you to “Reality Check”: It is stated that in the future the government will decide on treatments, and why euthanasia is just a rumor – which is in fact probably attributable to a proposal is which the State deliberations on possible end of life care should be financed.
“We do not want grandma pull the plug,” Obama won because even laughs when he was in New Hampshire the waves tried to smooth. And he does not laugh to be felt. The resistance can decrease its value, rejects polls suggest a slight majority of Americans his reform plans.
“Reform this year”
They want it even more important this year through. Still, he hopes to support the Republicans, but did imply, if necessary, to be waived, to finally the nearly 46 million uninsured Americans secure. “If something happens,” said Obama, “they either go bankrupt or do not get the treatment they need.” At the same time he also wants the insurance companies in the duty, which is still pretty much can do and what they want — at the expense of patients.
August 14th, 2009 / Author:
The retired police officer Bob Ritz has health insurance that covers medical and dental assistance in United States. But every few months driving from his home in Tombstone, Arizona, this small town in northern Mexico to avoid the costs of medical care not covered by your insurance.
August 14th, 2009 / Author:
Any offers of the domestic electricity market is scarce and unclear. The price of light is at a similar level of the government raised the rate by 2%. The biggest discounts are available from a contracted power of more than 5 kilowatts.
A little over a month entered into force on the liberalization of the retail electricity market. The new rules came with a rise in the light of the receipt of 2% and with many changes to the consumer. Customers with a contracted power of less than 10 kilowatt (kW), most homes have two ways to receive supplies. By a maximum rate regulated by the Government, the last resort known Rate (TUR), or go to the market to contract bids for the thirty trading available on the market.
In a report prepared by the National Energy Commission (CNE) by comparing offers from major distributors: Endesa, Iberdrola, Union Fenosa, Hidrocantrábico and E. On, it is concluded that the price of electricity for most users is the same as before to apply the new rate. Agrees that the five majors are designated by the Government to sell the TUR, if the customer does not prefer the free market.
CNE appreciate the discounts offered by these companies to the public are referenced to the TUR. For the study, the body under the Minister of Industry has used two consumer types. The first is a contracted power of 3.3 kW with an annual consumption of 3,000 kilowatt hours per year, which corresponds to the average annual consumption of 3,600 kWh. The second is a consumer with a great power against 8000 kWh.
The best offer they will find a large portion of users, those who have a contracted power below 5 kW, is 2% through its subsidiaries HC Hidrocantabrico Energy and Naturgas. The annual cost of the bid is 492.17 euros, compared to 500.56 euros involving TUR time without discrimination. Moreover, with HC Energy can be contracted electricity supply and other services which include repair and maintenance of the facility for the price of 519.26 euros in the first year of contract and 554.75 euros for the rest of years with the Formula Light package. In all variants could qualify for discharge are mandatory electronic billing and have a contracted power higher than 3 kW. The offer is more lucrative in Asturias where the discount comes to 4%
For its part, the rate of Iberdrola in the free market adjusts the price of TUR of 500.56 euros per year, but the difference lies in giving assistance to the homeless free of charge and the collection system. With the power headed by Ignacio Galan, the fee is fixed throughout the year according to the historical and end of each year is paid the difference between fees charged and the actual invoice.
The best deals for a large consumption
The best discounts are the customers who contracted with a power greater than 5kW. NEC uses the example of a consumer who has a demand of 5.5 kW and an annual consumption of 8,000 kWh. The reference is 1253.94 euros a year with TUR time without discrimination. To the best of these is the member of Union Fenosa plans to get loyalty. The discount on the TUR of 3.5%, representing a saving of 39 euros on the maximum price the government. It also includes other services such as travel, home insurance and discounts at gas stations. There is the possibility of obtaining a discount of 2.5% without hiring the services detailed above, the annual cost amounts to 1255.96 euros.
For its part, allows Hidrocantabrico contract for supplies at a discount of 2%. In addition, to offer several packages with a 4% discount, charging separate services. The annual cost of this amount to 1244.66 euros for the first year and the rest of 1280.15 euros.
As for E. On Spain has offerings for powers higher than 5 kW, while Endesa price applies to customers TUR the free market.
The study concludes that the CNE to the consumer it is difficult to compare offers and terms of contract with other companies or with own TUR, usually spelled the duration of the discount, the terms and conditions of service from the second year.
August 14th, 2009 / Author:
Mapfre Family has released “Home Essentials”, which includes coverage for major home (fire, breakage, theft, damage to housing and furnishings, RC …), and a help desk at home by professionals themselves. With a price 30% lower than other methods, is aimed in particular at young people who want to save.
In addition, Mapfre Vida sells “Fondmapfre Guaranteed 907″, whose profitability is tied to the evolution of European stock indexes 4 of the financial, energy and telecommunications. The warranty is extended until July 30, 2013, with possibility of return of up to 40% if the value of the index is greater or equal to 110% of initial. Since September 2011, the fund has windows semiannual cash at market price without commission refund.
August 12th, 2009 / Author:
Requirements for the insurance of insurance companies relate primarily to housing determine the required scope of protection, how to determine the amount of insurance, and information about the risk factors and are dependent on the content of the protection, and anti-theft protection, the location of housing (eg, floor or first floor? – May be relevant ).
We also need to fully answer the questions:
- About our ownership of the occupied premises,
- The fulfillment of minimum requirements for the security provided for in the general conditions of insurance as a condition of payment of compensation and
- About the history of our current insurance.
Do we have insurance already? Were compensation payments?
All this with the same information, but after bliższemu examination of the general conditions of insurance are detailed requirements – on the responsibility of the Society for specific types of damage eg installation of lightning, a security door and window openings before the burglary, possession of a stack of documents collection, piped gas and electricity and Water, issued by the entities entitled to do so.
August 12th, 2009 / Author:
ELIT front door is a perfect solution for those who expect not only the functionality of the door. Their unique shows that harmoniously combine careful design, execution and artistry comfort. Their style gives each building wysmakowanej elegance, and allows us the experience of moving to the positive senses. According to the saying that first impressions can be done only once in the doors offer OknoPlus ELIT issue a certificate of aesthetic tastes of our guests visiting us. In addition, our house secure against burglary, noise and protect against adverse thermal conditions.
The doors are susceptible to the impression
Entrance Door Company ELIT OknoPlus reflect the beauty of two materials – glass and wood, used by man since time immemorial. This results in strength and durability solutions, as well as subtle, full of finesse and elegance of design. ELIT – new product OknoPlus – is a perfect read for good taste and fine detail work, created to be accompanied by modern technology. Doors are made from high quality PVC profiles and with the glass, decorative fill. It is available in two versions – glass sandblasting can be used as a background for the transparent squares, or as equal czworokąty on transparent glass. These decorative elements from zamglonego or transparent material, doors ELIT OknoPlus company – even if we want the time of intimacy – not separate us completely from the outside world. They were also attractive for guests waiting for a call center, becoming a part of bringing together rozbudzającym interest and curiosity. The combination of elegance and subtlety to achieve through wykończeniom stainless steel. A wide range of handles, the vision, and death-watch podchwytów emphasize the individual nature of the door, adjusting them to both houses in the old style, as well as to those of the whiff of modernity.
Elite design
ELIT model to model for a company dedicated OknoPlus by ADECO recognized manufacturer of fillers on the market. ELIT are thus not only the elite, but also unique. Distinguishes them both the original design, and construction. Like the entire range of entrance doors OknoPlus Company, are fulfilling zamysłów designers who want to make our lives more comfortable and secure. The entrance door ELIT OknoPlus companies are solid and durable. It is possible to open outwards and inwards, at the discretion of the user. Fittings for doors have been selected according to the highest standards. Reinforcing steel is thicker than the panels, the use of windows. Design ELIT door charm, however, is based on another element – the selection of exceptional materials. Doors are made up of panels filled with polyurethane foam with a particularly high-density (90kg/m3), and an additional surface layer is glass fiber reinforced polyester. Some elements of the panel are made by hand. On a wooden shell, you can see the outline of the delicate wood grain. Wing doors are also fitted in reinforced corner, which reduces abrasion and impact. All this in order to seamlessly connect with the elusive world of aesthetics and structure of relevant technology materials.
The entrance door ELIT guardian comfort of use
In addition to aesthetics and design of doors pomysłowego also serve practical functions, which are a consequence of an informed design. Guardian must be a suitable temperature in the house. They should also separate us from nachalnych sounds from the outside and – most importantly-protected from outside intrusion. These meet all the requirements of the new company OknoPlus door ELIT. The effect of high thermal insulation coefficient of U = 0.957 W/m2K is great resistance to the elements. Most importantly, however, strongly discourage the door ELIT włamywaczy, with the company Winkhaus multipoint locking. The door is then secured, not only at the center, where the insert from the castle, but at the bottom and on top of the wing. The possibility of points of ryglami are few, hence the name of locks. Castles can boast of a prestigious certificate of Warsaw Institute of Technology Building. In addition, we can apply the central key, and the hinges allow the big German manufacturers adjust the wing. Doors are locked burglary, zasuwnicami with special siekierkami, which at the time of the lock twist lock ferrule. Wings for doors ELIT win the fight against potential thieves also through additional support – steel reinforcement with a thickness of 2 mm. A very important element of construction and at the same time defense against burglary are also special inserts patent – in accordance with the requirements of insurance companies, which are sometimes provided full insurance home. At the request of the client, decorative panels can be secured obstacle burglary sheet with a thickness of 1.5 mm. In this way the door ELIT combine basic world charm and safety.
Entrance Door Company ELIT OknoPlus to offer for all who value the high quality. Thanks to a unique links-style, functionality and design is not only an issue the certificate of our aesthetic upodobaniom but also become effective guardians of our homes.
August 12th, 2009 / Author:
“Newspaper” as first described, that this year a record Poles go on a medical exemption. During the first six months of this year ZUS had to spend more than 3.2 billion zlotys for sickness benefits, as much as 1 billion more than a year earlier. Only the Wrocław ZUS-u in the first half of this year, has already received 395 thousand. sick leave. For comparison, in the whole of last year was 640 thousand. In other cities is similar. And in the second half of the year, we will suffer even more.
After the text “Newspapers” Prime Minister Donald Tusk commissioned emergency control of Poles into a medical exemption. – We look at all expenses. Those on sickness benefits significantly deviate from the plan. In such cases, the Prime Minister calls for immediate action – says Minister Michał Boni.
Maciej Nowaczyk: The people we are sick this year. What’s happening?
Marek Romanowski, the head of the Wroclaw branch of medical examiners of ZUS-u: We have a crisis. Workers pay more to go than the release of unemployment. For sickness get 80 percent. wages and unemployment benefits is only 575 €. On the release of all walk, went to them such as an official of one of the municipalities of Lower Silesia, once learned that the day will lose position. Recently, a lady at the time of the audit itself acknowledged that it went on the sickness, because the boss told her. He did not want to lose a skilled worker, so instead of her release, was sent to the disease. In Wroclaw last year with 10 percent. exemptions checked orzecznicy doctors agreed earlier date of incapacity for work than was specified in the exemption. Insured persons have the next day to return to work. In the second quarter of this year, such waivers were 13.8 percent., And in July the 18 percent already. Among them, some were, which interferes draw benefits and working illegally in other companies. Unfortunately, people are still in our country do not realize that the sick pay ZUS, but the premiums paid by all workers, employees of his company, Mr, Doctor.
On the forums you can find plenty of advice, how to protect itself against a doctor orzecznika control. How to simulate the disease, what to say on what’s going complain. Particularly popular is a pain in chronic renal failure or headache, because doctors are hard to determine if the patient tells the truth. Learn from people that you can always go migraine. Before the control can not paint or wash hair.
Marek Romanowski: But we have the experience and its ways. Sometimes you only have to look out the window – a pan in the last period of rehabilitation after injury spine and legs came to us to control the bike with the ball at the armpits, saying that it brought the family car, he hardly moves. Another time was enough to reverse the patient’s attention, involvement in the execution of photocopies of medical records in addition to several rooms, and moving the patient to be barely rose, forgetting about the ball, and step dziarskim left the consulting room. The other ways I can not speak, do not want to discover.
What is the day the heads of medical examiners Wrocław ZUS-u?
Dr. Wanda KROWIŃSKA, Deputy Chief doctor Wroclaw branch of ZUS-u: The work begins by viewing and analysis of job losses that have affected the social security’s last day. Check requests and employers benefits department for review. After analysis typuję exemptions to the control, take into account the duration of the exemption, diagnosis by a doctor, check whether the patient recently suffered much, and how many physicians use the services. Exemptions to the questionable typuję control. Of course, we invite you to random checks on any persons whom the exemption does not raise doubts.
About 200-300 per day Overview exemptions. Each physician orzecznikowi given about 15 cases.
Do you have your black list of people who are always controlled, and only go to the sickness?
Wanda KROWIŃSKA not. But please believe me that people who often benefit from the exemption, we are immediately controlled.
What is the control of ZUS-u?
Marek Romanowski: We run it both ways. On the one hand, control whether the insured is definitely sick, and that because of the state of health should be at home and not go to work. Second, to release what does insured. If the recommendation is to treat and lying in the house, check to make sure it does. Some in the meantime deal with the grządkami in a household garden or work in a competitive business. Recently, control of us asked the head of a construction company when he saw her on another site.
Wanda KROWIŃSKA: Under control analyze medical records of patients in the treatment of doctors’ private offices. If you find that they are not, or exemption was issued without any insured person, the doctor may lose for the power to issue waivers. Doctors who do not send us to the exemptions in the Act within seven days, can lose up to three months. In the same year that Wrocław in power cofnęliśmy five doctors.
Marek Romanowski: This is a big problem for the doctor and his employer. Leaving decisions about medical incapacity to work is one of the important elements of a doctor, a patient without a doctor does not get the exemption powers.
What threatens the insured who has “left” exemption?
Wanda KROWIŃSKA: Exemptions are provided counterfeit law enforcement authorities. If, after a study conducted orzecznik doctor determines that the insured is able to work, issue a certificate of authorization to work the next day. Sometimes yes, we checked that the person, rather than go to work, shall be referred to another doctor after the release. We were insured, which for two years with a break was the exemptions. The doctor who issued it, it has lost the power to issue sick leave.
Mainly checks are held in private offices at the medical examiners, social security terms but also in their homes.
Marek Romanowski: Indeed the majority of the checks shall be carried out at the headquarters of ZUS-u. If patients do not want to either – even though the calls – does not appear on the check, we conduct a survey at the place of residence. The houses also control the people who often go to several exemptions. If the notice sent by mail, probably dotarłoby only when that person has already wróciłaby to work.
How do people react to controls?
Marek Romanowski: Those who do not have anything to hide, normal, positive part is surprised because, given the state of health is orzecznika from referral to a sanatorium, which carries out social security within about a month. Others try to avoid or control simulate disease. Sometimes there is none at home, although the exemption should be in bed. Last one did not come you agreed to check to ZUS-u, and it was not at home. It turned out that he was with his family on holiday in Turkey. It was a real possibility to check.
Wanda KROWIŃSKA: Other, rather than lying in bed, he worked as an excavator operator.
For every ill?
Marek Romanowski: In addition to seasonal conditions, such as przeziębieniowe disease, influenza, mainly in the organs of movement disorders, spine disease, “korzonki”, all kinds of post-traumatic disorders, fractures, zwichnięcia or twisted joints. But also to cancer, cardiovascular diseases, respiratory diseases, and depressive disorders nerwicowe.
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