Medicare Advantage Will Get Hit With Health Care Reform

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Since even before Medicare was passed in 1965 its been a source of frustration and intense debate from The Hill to Main Street. From concierge doctors to family physicians, politicians and family gatherings, health care reform is still a tough subject to grasp.

While Andy Griffith is currently appearing in television ads explaining Medicare changes to seniors, and the White House is praising its upcoming health care overhaul, the facts of how Medicare will change still remain a bit fuzzy.

1965. A lot of good things came out that year, like Medicare. This year, like always, we’ll have our guaranteed benefits and, with the new health care law, more good things are coming. Free checkups. Lower prescription costs and better ways to protect us and Medicare from fraud. See what else is new. I think you’re gonna like it, says Andy Griffith in his new TV ad. (Time.com) Seems to be pretty simply and explanatory, right? In reality, its a little more complicated.

Time.com states that Medicare Advantage, will in fact be greatly affected by health care reform, causing many seniors who have Medicare Advantage plans to lose fringe benefits that are not required by law. According to the Wall Street Journal, dozens of Medicare Advantage providers plan to cut back vision, dental and prescription benefits. Some plans are eliminating free teeth cleanings and gym memberships, and raising fees for hearing aids, eye glasses and emergency-room visits.

Medicare Advantage plans will take the biggest hit when the health care overhaul starts to take effect next month, mainly because Medicare Advantage plans are privately run plans that offer additional benefits beyond traditional Medicare. Obamas health care overhaul cuts to Medicare Advantage will open up the doors for 30 million Americans who currently dont have health insurance c overage. By taking some funding away from Medicare Advantage, money can be put towards those 30 million uninsured.

Democrats say the payment cuts are fair because Medicare overpays private insurers to run the plans. The government now pays private insurance companies an average of 9% more to operate the plans than it costs the government to run traditional Medicare, according to the Medicare Payment Advisory Commission, an independent congressional agency. That allows insurers to offer richer benefits to enrollees. (Wall Street Journal Online)

As for standard Medicare plans, they will not change, a common misconception among seniors according to Time.com. In a July poll, 50% of seniors believed health care reform would cut benefits that were previously provided to all people on Medicare, and that Medicare patients will have to spend more out of their own pocket. The reality is that while Medicare Advantage will change dramatically, standard Medicare will not, according to Time.com.

The law requires Medicare to pay 100% of preventive care, which includes checkups. The law will also gradually close the Medicare prescription drug gap known as the doughnut hole.

Forensics vs Forensic Science

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If you bring up forensics in a conversation, those involved will often start thinking of scenes from the television show CSI (Crime Scene Investigation). It’s synonymous with scouring crime scenes for minute clues to help criminal investigators create leads in various cases.

Because of the misunderstanding that’s developed about criminal investigations and forensics, many don’t realize that there is an acute difference between forensics and forensic science.

Currently, forensic science gets shortened in most discussions to “forensics.” The word “forensic” actually relates to debates, and comes from the Latin word “forensis” or “of or before the forum.” This concept became most prominent in ancient Rome where both the accused and the accuser involved in a judicial case had to advance their arguments in front of a public forum. This led to the usage of the term “forensics” for both public debate and the presentation of legal evidence.

This concept of “evidence” is what has caused it to run parallel and merge with forensic science. As the judicial system evolved, so, too, did the evidence that was required in cases. No longer was it a matter of verbal debate; instead other forms of evidence were necessary. The concept, that being “forensic” or “before the forum” still holds true. The only thing that has changed is the type of evidence that’s being presented.

While some modern dictionaries will actually merge the two and provide similar or identical definitions, they are quite separate by origin and practical application.

The term forensics refers to public debate which includes the presentation of evidence and rhetoric. Forensic Science is something different. It deals specifically with the gathering, identification, research, and scientific interpretation of evidence to determine such things as who was involved in a crime.

In addition to confusing the terms forensics and forensic science, people often mistake forensic science for criminalistics. However, it’s important to keep these terms in context too. Forensic science involves any discipline that can be applied to evidence. Criminalistics is just one of the subdivisions of forensic science.

Some of the disciplines that fall under the umbrella of “forensic science” are:

-Computer Forensics -Forensic Accounting -Forensic Audio Engineering -Forensic Linguistics -Forensic Pathology -Forensic Psychology -Forensic Engineering -Criminalistics

Criminalistics itself is the scientific discipline which brings together various natural sciences such as biology and chemistry to the examination, identification, and comparison of certain types of evidence. Criminalists deal with biological evidence including DNA and bodily fluids, trace evidence such as fibers, hair, and soil, and impression evidence such as fingerprints and tire tracks. They also are involved with ballistics, drug analysis, crime scene photography and reconstruction.

As you can see, the forensic sciences deal specifically with the research and examination of evidence so that such evidence can be admitted to and used within the legal system. Forensics on the other hand should be viewed not as the science behind the evidence, but as the presentation and use of the research once it’s completed.

Bankruptcy Car Loan Lenders May Be Found Through An Auto Broker

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An auto broker may be a good source to find bankruptcy car loan lenders. A bankruptcy car loan may be obtained easier through a special finance department at the dealership. Car brokers often have a department with salespeople who specialize in helping those that have been through a bankruptcy.

Those that have recently filed bankruptcy and carry this mark on their credit report are considered high risk borrowers. Not all lenders will work with those who have been through a bankruptcy.

Lets further explore how a car broker may be able to find a lender who will loan you the money for a new vehicle.

If the auto broker has a department specific to special financial requests, they have built up relationships with different lenders that will work with those that have less than perfect credit. This provides an opportunity for the salesperson to find you the best possible terms on your special financing loan. And this can save you money.

As well as finding a bankruptcy car loan lender, the broker may find you the perfect used car for you. An auto broker uses many resources such as auto auctions and online resources as well as trade in vehicles to locate quality used cars.

A quality used car could be described as a one previous owner vehicle with between 25,000 and 35,000 miles on it. Typically these cars will only be one or two years old.

In fact, many times you can have the auto broker search for the specific make and model you are looking for, including the exact color you want. How cool is that? That is called customer service!

And with most auto brokers this is simply the beginning of the customer service they provide. This is because with must auto brokers the salesperson is interested in what you need and want rather than simply making the sale today. They work for you, plain and simple.

Because the representative is not interested in making a sale today they will pay attention to other important factors of true customer service. You most likely will feel welcome and compassion from the person you are working with. There is less of a chance that you will be stuck in an office and ignored as you may find with a traditional car dealership. Again, this is because the broker is working for you with your best interest at heart.

If you are in the market for bankruptcy car loan lenders an auto broker may be a very wise choice for you. If you find a quality auto broker dealership you will receive the service you deserve, the compassion you need to feel confident and a great vehicle at a fair price.

Cbse India Introduces A Common Syllabus For Maths & Science!

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The Union Ministry of Human Resource and CBSE India are leaving no stone unturned to make lives easy for school students across the various boards in India! The latest stride towards this endeavor is the introduction of a common syllabus for Maths and Science for the students of classes XI and XII across all the educational boards. Therefore, from the academic year starting 2011-12, students from all the boards in the country can look forward to a uniform syllabus!

An initiative like this by CBSE India will ensure a level playing field for all the students while they prepare for their engineering and medical entrance examinations. Hence, while all you students studying in classes XI & XII, preparing for your national level engineering and medical entrance exams from the year 2012, need no longer worry about the extensive syllabi covered by your friend in CBSE or other national/ state board.

A common syllabus is just the first step by the Human Resource Ministry and CBSE India towards a flexible pattern of education that is comparable to the education systems existing in the West. CBSE India also has plans in the pipeline to conduct a common entrance exam for Medical and Engineering courses in India by 2013. If such a plan by CBSE India gains acceptance from all the academic corners in the country, life after class XII is only set to get easier for students.

However, implementation of a common syllabus by CBSE India has also garnered a lot of criticism by NCERT. NCERT is of the view that Council of School Board of Education (COBSE) has no right to push the common syllabus agenda. NCERT believes that the decision to undertake any curriculum revision exercise should rightfully rest with itself as NCERT has been instrumental in all such changes over the past years. It also believes that COBSE is just a coordinating body between the various school boards in the country.

Amidst all this controversy, major stakes are now on successful implementation of this common syllabus scheme for Maths and Science. Success of a common syllabus like this could also spread cheer in the lives of students studying in the Commerce and Humanities streams. Talks are around for a uniform syllabus for various subjects in these streams as well. What more could have students asked for to ensure a smooth and stress-free studying experience!

There are various websites that provide CBSE-aligned learning resources for students studying in classes V-XII. A common syllabus for Maths and Science will also ensure that more students can now seek help from such websites and reap benefits of quality and extensive learning resources.

All students studying under CBSE India can expect a lot of good news in the near future as well.

All the best for the future!

The Many Uses Of Thermal Night Vision Technology

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Thermal night vision makes use of temperature to spot a person, animal, or object. This tool detects heat and produces images that reflect the placement of that heat. Most often incorporated into night vision goggles, the technology is used by law enforcement officers and hunters. Though less common, thermal night vision is also being incorporated into video cameras for better night shots. Another place one might find thermal imaging is in detecting mold or poor insulation.

Thermal imaging, especially in the use of night vision goggles, allows a person to see another being without being seen. Unlike older versions of the technology or using flashlights, the light is not visible to the other party. Current gear is also much lighter than previous models.

Law enforcement officers might use thermal night vision to tail a fugitive or investigate the scene of an accident. Often the technology is attached to law enforcement vehicles. This equipment shows heat images from a distance, so long before a vehicle is apprehended; an officer can see the make and model of a car. Military personnel and firefighters also use the technology for their duties.

Thermal night vision is used for security cameras. Security cameras with thermal imaging technology can detect activity in any area, even if it is not well lit. Many security systems come with a simple, wireless set-up and are low cost.

Photographers and videographers also make use of thermal night vision. Photographers use it to take digital SLR images under low light or even during the darkest time of night. Movie directors also use this technology to film night scenes.

Thermal night vision is useful for construction workers and home inspectors. Since thermal night vision products detect heat they can also spot places where there is not enough heat. That helps a person see if the insulation in a building has worn down or is missing. It can also detect radiation leaks.

The same technology aids workers in detecting the potential for moisture and mold problems. If there is a vast difference between the temperature inside and the temperature outside, it can create moisture problems. Inspectors can use thermal imaging to compare the temperatures inside and outside a home, spotting and potentially preventing mold and mildew problems.

Uses for thermal night vision abound. Some common uses are law enforcement, mold detection, photography, and security. It is also used in hunting, particularly in the use of thermal night vision goggles. The technology works by detecting heat and projecting images from the data. In law enforcement, it can be used to catch suspected criminals.

Vascular Dementia One Of Elderly Health Care Issue

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Most people will not find it hard tvery aging person will suffer from the same diseases as witnessed in the disco associate dementia with old age though recent research shows that not eoveries of other old age illnesses such as Parkinson’s disease as well as Alzheimer’s disease.
However, there no doubts the fact that vascular dementia is a pressing elderly health care issue that deserves to be taken a lot more seriously than is the case at present. The sad truth is that vascular dementia is the second most noticed elderly health care issue.
Insufficient Oxygen Supply to the Brain
Vascular dementia occurs when a person’s brain does not get sufficient oxygen over a prolonged period of time and the reason for this deprivation of oxygen is vascular by nature. Normally, blood carries sufficient oxygen to all parts of the human body.
The brain in particular is a vital part of the human body and during vascular dementia there is interference in the supply of oxygen to the brain resulting in possible mini strokes that might even occur without being realized by the affected person.
The main reason why an elderly health care issue such as vascular dementia merits serious consideration is that if its effects are allowed to accumulate it could result in further elderly health care issues such as dementia that resembles Alzheimer’s disease.
The sad part about vascular dementia is that it is most likely to affect people once they have reached their sixtieth birthday though this does not in any way imply that this elderly health care issue is only a concern after a person reaches sixty years of age because as mentioned the disease occurs without being noticed even at a younger age.
Some of the causes for this elderly health care issue occurring include lifestyles that a person has adopted in their early years of life and among these lifestyles you can include smoking and obesity as well as lack of sufficient exercise as too elevated cholesterol levels and high blood pressure.
Therefore, if you have neglected taking good care of you during your early years, then in later years you will be at risk of suffering from an elderly health care issue such as vascular dementia. The American population too is fast aging which in turn is giving rise to finding suitable health care for the aged.
Home health care elderly is a matter that needs to be addressed well before an elderly person becomes in need of such care. The fact of the matter is that once a person becomes old enough to need home health care they will be in a sorry state and will not know where to start, especially when it concerns hiring private help. It is therefore a good idea to address this need well before the occasion arises.

Dinorama – Entertaining Dino Education for Your Kid

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If you are looking for a decent education software for the kid you can look on iTunes store to get the best app for your smartphone and tablet. There is lots of title out there that offer enjoyable and entertaining education for your kid for instance alphabet understanding, animal learning, and much more. one of those applications is Dinorama, Dinorama is a fun as well as interesting application to instruct your kid about the great creature in the past, dinosaur. Having cute graphic and straightforward control Dinorama surely has plenty to give. Let’s find out what this application is offering under.

Feature

Quite simply, the game is a time management skills game where being a park owner you have to feed, make habitat for dinosaur, selling popcorn, and even more. Although there are numerous thing to complete, this game is not hard to learn and quite addicting for some part. Your kid can learn to manage a park as well as understand the financial as well because they must take care of the snacks selling, feed fee, and ticket. Next to handle all the stuff that’s must be carried out your park, you’ll be able to hire an worker to assist you run the park effectively.

This app really train your kid the way to be a young entrepreneur, there are lots of random circumstance that occurs during the day such as rainstorm that make the ticket sale change, crop disaster make the food cost high, and even piggy bank to make them fascinated. Those random circumstance could make your kids think and study from what they’ve to do in order to make the park continue running. Near the management, your children can also play of course together with the dinosaur by providing them with food and even touch them while using touch screen.

For that dinosaur, you are able to breed it with 8 different colors in every kinds. Not just that could make your park much more colorful, you can also have several dinosaurs with all your favourite color. There are numerous mini games that you could have fun with like finding lost items, getting a tour guide to assist you see the dinosaur, and even help your visitor found their most favorite dinosaur. Even though the day seems okay, sometime your park requires some servicing and you have to do the repair by yourself. This application really offer lots of things to find out and to carry out for your kids, you’ll be able to download this game on iTunes for free.

Rendy Rembana is one of the author at Paseban Portal. Covering information, review and tips about Mobile Apps and Games

How To Eat Right And Have Healthy Food Delivery

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Time challenged? Stressed out? Join the healthy food delivery crowd and give your body a break.

After a chaotic and stressful day what better treat than not to have to cook? Not too much! Long workdays leave very little time for anything else, especially cooking.

In the United States today, the workday has increased from an eight hour day to often ten or twelve hours. In the workforce, stress is prevalent above everything else.

Lets face it, daily chores are time consuming. By the time you do your house work, go to work, drive the kids around and run errands you are to tired to cook a healthy meal let alone consume it. Can’t wait to go to sleep so you can wake up and do the same thing tomorrow.

This is when healthy food delivery can be a real godsend. When you order from menus that are healthy and nutritious, you do not have to worry if your family is getting the proper nutritional value from their meal.

There are many menu options so it is easy to order the food that you want, and your family will get to choose the food that they want. The good thing about healthy home delivery is that each one of your family members gets to choose the food that he or she prefers, avoiding the headaches of preparing multiple dinners.

When you order healthy food for delivery, you will always receive the perfect portion plate that a professional chef has prepared. Each menu item is carefully prepared to your order specifications and delivered to your door in a short amount of time.

For someone who doesn’t like to cook, or doesn’t have the time this service is right up their alley. Let’s face it! There is probably nothing more time capturing than cooking healthy meals, so we give in to fast food or junk food to get us through the meal.

Bad Idea! To make matters worse eating junk food or fast food when you don’t have time to eat right only compounds the problem. You know! That situation they talk about on the national news every night, obesity.

With healthy food delivery having no time or can’t cook is no problem. Just go and get one of those delicious healthy dinners you picked, heat and enjoy. Your body will love the taste sensations and healthy nutrients and reward you with vibrant health.

When you stop and think about it, your day is hectic enough without having to worry about what to cook for dinner. When you use a healthy food delivery service, you will be able to spend more quality time with your family and friends.

Finding an Auto Accident Attorney

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If you drive a car, the chances are pretty good that you will be involved in an auto accident sometime during your life. According to the National Highway Traffic Safety Administration (“NHTSA”), there “are more than 1,700 fatalities and 840,000 injuries yearly due to vehicle crashes off public highways.” NHTSA also reports that auto accidents, unfortunately, are the “number one killer of children 1 to 12 years old in the United States.” NHTSA. If you’ve been injured in an automobile accident due to the negligence of others, the law allows you to be fairly and adequately compensated for your harms and losses. If you are not being treated fairly by the insurance company, you may need to hire an auto accident attorney, also known as a personal injury lawyer, to help you through the legal maze. Here are few things to consider when looking for a good auto accident attorney:

Seek Out Referrals

When looking for a good auto accident attorney, don’t simply rely on advertising. Because hiring a good personal injury lawyer is a significant decision, you should ask your neighbors, friends and co-workers about any experiences they have had with a personal injury lawyer. If you don’t know anyone who has used an auto accident attorney previously, then you should do some research before hiring one. Read about the attorneys you are considering. Find out if they are rated by organizations such as Martindale-Hubbell. Find out about their experience with personal injury claims. Once you have narrowed your search for a good auto accident attorney, you should meet with him or her to see if you “click.” Does he or she take time to understand your case and your injuries? Is he or she willing to explain your rights to you and explain the legal process to you? Will you be dealing with the attorney or a legal assistant?

Experience is Important in Personal Injury Cases

In personal injury cases, experience is going to count…a lot. You should look for an attorney who has significant experience and one who has a history of positive results. You will want an attorney who, if necessary, is willing to take your case to court.

If you need the services of an auto accident attorney, contact the Truman Law Firm. Reach them on the internet at Trumanlawfirm.com or by phone, (435) 986-2222 or (702) 821-1821.

Title Nigel Mayne And The Small Business Franchise In 2011

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As February rushes by, those New Year resolutions may be turning into distant memories if not forgotten dreams. Except for that one significant promise, to become master of your own destiny and invest in your own business.

If you are dreaming of owning your own business, there are some trends in your favour. Slow to moderate overall economic growth in many countries hard hit by the recession is forecast to continue through 2011. In the US, the small business sector remained in recession in 2010, lagging in recovery, and is now predicted to see stronger demand and better business conditions this coming year. Key trends seen as driving the growth of small business are
small manufacturing businesses in niche markets aided by technology making barriers to entry lower,
the weak dollar aiding US manufacturing cost competitiveness,
the internet becoming more widely known to small business as a low cost way of sourcing and selling goods and services.
Small business growing more familiar with and making greater use of social media in their local marketing efforts -think Groupon Inc and its highly successful coupon business supporting local deals!

When time is not on your side, the resilient and proven franchise business model allows you a faster and often comparatively risk adverse track to generating positive cash flow. Although its your own business, you don`t have to go it alone making a proven franchise operation a smart choice. Strong viable franchise opportunities are there for the qualified buyer, so how to join that select group?

Access to financing from traditional sources is expected to remain tight in the US throughout 2011, in spite of the Governments continuing efforts to support small business through tough times. We recommend that potential franchise buyers be cautious when selecting companies to do their 401(k) rollovers or when selecting a financing company with all of the fraud that has occurred in the banking sector over the last several years, finding a reputable company to provide your financing is more important than ever and a winning point in your favor with franchisors.

MatchPoint Franchise Consulting Network was founded in 2006 with a mission of helping companies expand their franchise networks and improve their system. The advice offered freely to franchise buyers by MatchPoint consultants is vital to the buyer in making a better, prudent, buying decision. The advice offered by our consultants does not make us lawyers; it is there to help the investor with a high quality due diligence process.

MatchPoint consultants know the red flags in the investment field. It takes the very few promoters that practice business fraud to taint the dream of the franchisee and their family.

That`s where seeking the independent advice of an expert franchising consultant is prudent and invaluable.