Wednesday, December 31, 2014
Tuesday, December 30, 2014
Friday, December 26, 2014
New subprime boom ties risky loans to car titles
New subprime boom ties risky loans to car titles http://ift.tt/1znvb6X
from Usa Insurance News http://ift.tt/1JUpAgR
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New subprime boom ties risky loans to car titles
The rusting 1994 Oldsmobile sitting in a driveway just outside St. Louis was an unlikely cash machine. That was until the car's owner, a 30-year-old hospital lab technician, saw a television commercial describing how to get cash from just such a car, in the form of a short-term loan.
The lab technician, Caroline O'Connor, who needed about $1,000 to cover her rent and electricity bills, believed she had found a financial lifeline.
"It was a relief," she said. "I did not have to beg everyone for the money."
Her loan carried an annual interest rate of 171 percent. More than two years and $992.78 in debt later, her car was repossessed.
"These companies put people in a hole that they can't get out of," Ms. O'Connor said.
The automobile is at the center of the biggest boom in subprime lending since the mortgage crisis. The market for loans to buy used cars is growing rapidly.
And similar to how a red-hot mortgage market once coaxed millions of borrowers into recklessly tapping the equity in their homes, the new boom is also leading people to take out risky lines of credit known as title loans.
They are, roughly speaking, the home equity loans of subprime auto. In these loans, which can last as long as two years or as little as a month, borrowers turn over the title of their cars in exchange for cash — typically a percentage of the cars' estimated resale values.
"Turn your car title into holiday cash," TitleMax, a large title lender, declares in a recent television commercial, showing a Christmas stocking overflowing with money.
More than 1.1 million households in the United States used auto title loans in 2013, according to a survey by the Federal Deposit Insurance Corporation — the first time the agency has included the loans in its annual survey.
Title loans are becoming an increasingly prevalent form of high-cost, short-term credit in subprime finance, as regulators in a number of states crack down on payday loans.
For many borrowers, title loans, also sometimes known as motor-vehicle equity lines of credit or title pawns, are having ruinous financial consequences, causing owners to lose their vehicles and plunging them further into debt.
A review by The New York Times of more than three dozen loan agreements found that after factoring in various fees, the effective interest rates ranged from nearly 80 percent to more than 500 percent. While some loans come with terms of 30 days, many borrowers, unable to pay the full loan and interest payments, say that they are forced to renew the loans at the end of each month, incurring a new round of fees.
Customers of TitleMax, for example, typically renewed their loans eight times, a former president of the company disclosed in a 2009 deposition.
And because many lenders make the loan based on an assessment of a used car's resale value, not on a borrower's ability to repay that money, many people find that they are struggling to keep up almost as soon as they drive off with the cash.
As a result, roughly one in every six borrowers who take out title loans have their cars repossessed, according to an analysis of 561 title loans by the Center for Responsible Lending, a nonprofit in Durham, N.C.
The lenders argue that they are providing a source of credit for people who are unable to obtain less-expensive loans from banks. The high interest rates, the lenders say, are necessary to offset the risk that borrowers will stop paying their bills.
Title loans are part of a broader lending boom tied to used cars. Auto loans allowing subprime borrowers — those with credit scores at 640 or below — to buy cars have surged in the last five years.
The high interest rates on the loans have enticed an influx of Wall Street money. Private equity firms are investing in lenders, and some big banks are ramping up their auto lending to people with blemished credit.
Read more here>>>>>
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WL Toys V959 Quadcopter RC 4 Channel V989 - Future BattleShip Gatling Machine with Onboard Camera
WL Toys V959 Quadcopter RC 4 Channel V989 - Future BattleShip Gatling Machine with Onboard Camera http://ift.tt/1roFxWl
from The Best Remote Control Toys http://ift.tt/1xlkp2Z
WL Toys V959 Quadcopter RC 4 Channel V989 - Future BattleShip Gatling Machine with Onboard Camera
The WL Toys V959 Future Battleship Quadcopter is the perfect machine for those curious about quadcopters. Designed with simplicity in mind, it is light weight and its flight characteristics benefit from this design feature. Constructed of durable elastic materials and graphite booms the light weight enhances the crafts power to weight ratio. The 4 rotors are driven by 4 motors protected in plastic housings. The rotors are also gear driven which relieves the stress on the motors. The WL Toys V959 handles exceptionally well. With the help of an on board gyro and adjustable control sensitivity, the V959 is perfect for pilots of different skill level and ages. The V959 is agile, and it has the ability to do flips and tricks. With the push of a button on the transmitter the aircraft will enter trick mode allowing the pilot to perform flips and rolls. The V959 also features LED lights that helps the pilot recognize the orientation of the helicopter and aids the pilot in low light situations. One very special feature of this V959 is the mounted spy camera on the bottom of the craft. Its adjustable lens angle allows it to be more flexible in capturing shots. The WL Toys V959 transmitter features a 2.4ghz radio system. This means you don't have to worry about signal interference and you have the ability to fly many of these at one time.
- Brand New WLToys V959 Future BattleShip With Camera
- Overall Diameter 9.25 inches. Height 3.5 inches.
- Battery: 3.7V 500mah 25C Li-Po, and 110V AC Charger included
- Micro SD Card required (Not Included)
- Instructions manual and extra 4 rotors
Read more here>>>>
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Quadcopter Drone RC Helicopter Quad Copter Toy
Quadcopter Drone RC Helicopter Quad Copter Toy http://ift.tt/1xlkoMu
from The Best Remote Control Toys http://ift.tt/1roFxFN
Quadcopter Drone RC Helicopter Quad Copter Toy
Are you looking for the perfect gift? This Remote Control Quad copter is your best choice. KiiToys introducing the World's smallest Quadcopter X-10! The most notable feature of this quadcopter is its nano size, with only 1.5 x 1.5 inch, it is yet the smallest quadcopter in the world! Adopting solid material and exquisite workmanship, it is safe and durable enough for anyone to play. In addition, it is very easy to control with the game pad style radio controller. The remote control equiped with 2.4Ghz which gives you a long range and stable control over your quadcopter with no interference. The 6 axis gyro system equiped on the quadcopter will provide you an extreme stable flight and also enable you "Throw to Fly" - to throw the quadcopter in the air to start the flight! It will bring you lots of surprise and fun in flight, and will keep you entertained all the time. Don't hesitate to bring such a good remote control toy home today. Available in 4 color: Green, Blue, Orange and Pink, collect all 4 colors to have a quadcopter party!
Read more here>>>
Are you looking for the perfect gift? This Remote Control Quad copter is your best choice. KiiToys introducing the World's smallest Quadcopter X-10! The most notable feature of this quadcopter is its nano size, with only 1.5 x 1.5 inch, it is yet the smallest quadcopter in the world! Adopting solid material and exquisite workmanship, it is safe and durable enough for anyone to play. In addition, it is very easy to control with the game pad style radio controller. The remote control equiped with 2.4Ghz which gives you a long range and stable control over your quadcopter with no interference. The 6 axis gyro system equiped on the quadcopter will provide you an extreme stable flight and also enable you "Throw to Fly" - to throw the quadcopter in the air to start the flight! It will bring you lots of surprise and fun in flight, and will keep you entertained all the time. Don't hesitate to bring such a good remote control toy home today. Available in 4 color: Green, Blue, Orange and Pink, collect all 4 colors to have a quadcopter party!
- KiiToys X-10 is the Smallest Quadcopter in the world, size 1.5 x 1.5 inch (4cm x 4 cm), 5-8 mins Flight time with a single charge. 2.4Ghz Remote Control Toys 4CH 6 Axis RC Quadcopter RC Helicopters
- 6-axis design makes the gyroscope adjustable, promoting flying stability; Full Movement: Ascend/Descend, Forward/Backward, Left/Right Rotation, Left/Right Drifting, Hovering. 3D fliping stunt tumbling action
- Quad copter strong motor fast moving works indoor, LED light indicates front and back of the heli and also great for low light flying and light show, 4-channel 2.4GHz with fine tunning which can fly multiple Quadcopters at the same time!
- Precision built with strong material to withhold impact and increase durability. Powered by a piece of rechargeable 3.7V 100mAh lithium battery. Charge with USB cable.
- Four micor motor with super stong uplift power giving you hyper movement. 4 CH channel 6 Axis Gyroscope R/C RTF UFO Drone. Replacement rotors also availble. 3-level adjustable speed flip function, perform in Air stunt show with amazing LED lights!
Read more here>>>
from The Best Remote Control Toys http://ift.tt/1roFxFN
Thursday, December 25, 2014
Governor's health-insurance plan needs pragmatism
Governor's health-insurance plan needs pragmatism http://ift.tt/1wotyDX
from Usa Insurance News http://ift.tt/1wotwfk
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Governor's health-insurance plan needs pragmatism
Gov. Bill Haslam may have succeeded in "threading the needle" in regard to expansion of health-insurance coverage in Tennessee. The governor is eschewing the term "Medicaid expansion," which is fine if the use of the term "Insure Tennessee" will allow it to win necessary approval of the Republican-controlled state Legislature.
What is proposed is not simple expansion of the Medicaid program in Tennessee, TennCare, but rather use of federal dollars to leverage state and private funding to increase the number of Tennesseans who have health insurance.
That expansion of coverage is the goal of those who have criticized Haslam for proceeding with expansion of Medicaid through the federal Affordable Care Act.
Based on their initial reactions to the proposal, the governor apparently has ameliorated their concerns with his Insure Tennessee plan.
At issue is the use of funds available through the Affordable Care Act to make Insure Tennessee a reality and the opposition of some legislators to any aspect of the Affordable Care Act or Obamacare as they prefer to term it.
U.S. Rep. Scott DesJarlais, who represents Rutherford County and the rest of the 4th District, is among those who have ideological blinders in regard to any support for Obamacare, and he has indicated that he is "apprehensive" about use of federal dollars.
Haslam is contending, however, that Insure Tennessee is unique to the state, and if it does succeed, it could become a model for other states.
DesJarlais does not have to endorse the program, but he should give the governor an opportunity to make his case to legislators without becoming a voice against it.
Haslam has indicated that one of his concerns in expanding insurance coverage in Tennessee is the burden to taxpayers in regard to state revenue.
The governor indicates that hospitals in the state will fund any additional costs of the program, and the Tennessee Hospital Association already has endorsed the proposal.
This provides an excellent example of the use of federal dollars to leverage state resources. Hospitals should receive a good return on any investment they make in Insure Tennessee.
We congratulate the governor for bringing this proposal forward, and we urge all of the legislators to take a pragmatic rather than an ideological approach in their consideration of the proposal.
Will more constituents in their districts be able to receive health-insurance coverage or better coverage because of Insure Tennessee?
Will their constituents' health be better because of greater access to medical services through Insure Tennessee?
Will medical facilities in their districts be on a stronger financial footing because of the insurance coverage for more of their constituents through Insure Tennessee?
If they can answer "yes" to these questions, then their votes on implementing Insure Tennessee should be "yes." Source
Gov. Bill Haslam may have succeeded in "threading the needle" in regard to expansion of health-insurance coverage in Tennessee. The governor is eschewing the term "Medicaid expansion," which is fine if the use of the term "Insure Tennessee" will allow it to win necessary approval of the Republican-controlled state Legislature.
What is proposed is not simple expansion of the Medicaid program in Tennessee, TennCare, but rather use of federal dollars to leverage state and private funding to increase the number of Tennesseans who have health insurance.
That expansion of coverage is the goal of those who have criticized Haslam for proceeding with expansion of Medicaid through the federal Affordable Care Act.
Based on their initial reactions to the proposal, the governor apparently has ameliorated their concerns with his Insure Tennessee plan.
At issue is the use of funds available through the Affordable Care Act to make Insure Tennessee a reality and the opposition of some legislators to any aspect of the Affordable Care Act or Obamacare as they prefer to term it.
U.S. Rep. Scott DesJarlais, who represents Rutherford County and the rest of the 4th District, is among those who have ideological blinders in regard to any support for Obamacare, and he has indicated that he is "apprehensive" about use of federal dollars.
Haslam is contending, however, that Insure Tennessee is unique to the state, and if it does succeed, it could become a model for other states.
DesJarlais does not have to endorse the program, but he should give the governor an opportunity to make his case to legislators without becoming a voice against it.
Haslam has indicated that one of his concerns in expanding insurance coverage in Tennessee is the burden to taxpayers in regard to state revenue.
The governor indicates that hospitals in the state will fund any additional costs of the program, and the Tennessee Hospital Association already has endorsed the proposal.
This provides an excellent example of the use of federal dollars to leverage state resources. Hospitals should receive a good return on any investment they make in Insure Tennessee.
We congratulate the governor for bringing this proposal forward, and we urge all of the legislators to take a pragmatic rather than an ideological approach in their consideration of the proposal.
Will more constituents in their districts be able to receive health-insurance coverage or better coverage because of Insure Tennessee?
Will their constituents' health be better because of greater access to medical services through Insure Tennessee?
Will medical facilities in their districts be on a stronger financial footing because of the insurance coverage for more of their constituents through Insure Tennessee?
If they can answer "yes" to these questions, then their votes on implementing Insure Tennessee should be "yes." Source
from Usa Insurance News http://ift.tt/1wotwfk
>
Tuesday, December 23, 2014
Sunday, December 21, 2014
Friday, December 19, 2014
Thursday, December 18, 2014
About Translator
About Translator http://ift.tt/eA8V8J Sometime, we meets with unknown person. Maybe they can't understand our voice and language or we can not understand their language. So, in this modern time a company make a android application for peoples in market. The name of application is translator. We can download it from internet. It help us to understand other's voice or langauge. It is easy to use and totaly free. More than 40 languages to translate. Business meeting or feel afraid of speaking to foreign people, With translator you'll have peace of mind as it is 100% effective and will help you express yourself without any problem and understand what other people say. For more information click here and read more
from Finr.co http://ift.tt/13iV9PM
from Finr.co http://ift.tt/13iV9PM
Tuesday, December 16, 2014
High Speed Remote Control Electric Boat Toys
High Speed Remote Control Electric Boat Toys http://ift.tt/1uWkqqu
from The Best Remote Control Toys http://ift.tt/1uWkqqz
High Speed Remote Control Electric Boat Toys
Features High speed 25 km/h (15 mph) RC boat is ready-to-run out of the box Super-easy to control: Trigger for throttle (go forward, reverse) Knob for rudder (turn left, right) Trim buttons for left/right/forward/reverse Capsize recovery feature - push throttle & trigger forward then back to self-right the boat 2.4GHz transmitter with automatic code pairing Waterproof hull with anti-tilt modular design is built from impact-resistant ABS plastic - parts are easily maintained and replaced Water circulates in and out to keep the motor cool at racing speed Low battery alarm - when the battery in the boat runs down to only 1 minute left, the transmitter beeps Propeller safety - prop won't spin unless the boat is in the water Recharge the battery with USB - lasts 6-8 minutes per adventure Display stand helps protect propeller and rudder when not in use Ages 13+ Colors: Black, Orange Included: RC Boat Controller Battery USB Battery charger (cable included) Display stand Spare parts: 1 x propeller Instruction Manual Name of Product: Power Venom RC Boat Model: UDI001 Size: 342x89x88mm Weight: 180g Controller: 2-CH, 2.4GHz Control distance: 120 meters Battery for controller: 4 x AA Battery for boat: Li-Po 7.4V 600mAh Charger for boat: USB (cable included) Charging time: 110 minutes Running time: 6-8 minutes Main rotor: 29mm Motor: N370, water cooled
- This newest USB-rechargeable electric RC speedboat from UDIRC will blow the others out of the water when it races by at 25 km/h (15 mph).
- It features a rugged ABS anti-tilt hull, and a water-cooled, single-prop powerful 370-size motor that combines style, speed, and affordability.
- Low battery alarm warns you when the boat is almost out of power so you know when to head for the shore. Self-righting feature lets you keep your boat in play even if it capsizes.
- The UDI001 is an exciting speedboat to see in action and even more exciting to pilot.
Read more here>>>>>
from The Best Remote Control Toys http://ift.tt/1uWkqqz
Storm Engine 32" PX-16 Super Power Speed Racing RC Boat Toys
Storm Engine 32" PX-16 Super Power Speed Racing RC Boat Toys http://ift.tt/1IZb2fn
from The Best Remote Control Toys http://ift.tt/1IZb470
Storm Engine 32" PX-16 Super Power Speed Racing RC Boat Toys
Brand New in Retail ?Box Full function Storm Engine PX-16 RC Speed Boat ?Factory pre-assembled, ready-to-run ?Powered by High Speed Twin RS-390SSH racing motors type ?Handles rough water ?High performance offshore racing boat ?Operation distance ~ 300ft ?Speed: 20-25 mph ?7.2V Ni-CD rechargeable battery ?Transmitter (8 AA Batteries not included) ?2 Spare Propellers ?Home AC Battery Charger 110V ?Instruction Manual ?Dimension: Approx. 32"(L) x 9.3"(W) x 6.5"(H) ?Suitable for younger children of age 14 & up
Brand New in Retail ?Box Full function Storm Engine PX-16 RC Speed Boat ?Factory pre-assembled, ready-to-run ?Powered by High Speed Twin RS-390SSH racing motors type ?Handles rough water ?High performance offshore racing boat ?Operation distance ~ 300ft ?Speed: 20-25 mph ?7.2V Ni-CD rechargeable battery ?Transmitter (8 AA Batteries not included) ?2 Spare Propellers ?Home AC Battery Charger 110V ?Instruction Manual ?Dimension: Approx. 32"(L) x 9.3"(W) x 6.5"(H) ?Suitable for younger children of age 14 & up
- Operation distance ~ 300ft?Speed: 20-25 mph?Transmitter (8 AA Batteries not included)
- Powered by High Speed Twin RS-390SSH racing motors type?High performance offshore racing boat
- 2 Spare Propellers?Home AC Battery Charger 110V?Instruction Manual
- Full function Storm Engine PX-16 RC Speed Boat?Factory pre-assembled, ready-to-run
- Dimension: Approx. 32"(L) x 9.3"(W) x 6.5"(H) ?Suitable for younger children of age 12 & up.***Colors & Frequencies May Vary***
Read more here>>>>>
from The Best Remote Control Toys http://ift.tt/1IZb470
Electric Big Size Remote Control 4 CHANNEL Patrol Craft Police Airship RTR RC Boat Rechargeable Batteries
Electric Big Size Remote Control 4 CHANNEL Patrol Craft Police Airship RTR RC Boat Rechargeable Batteries http://ift.tt/1uWkqa7
from The Best Remote Control Toys http://ift.tt/1IZb46S
Electric Big Size Remote Control 4 CHANNEL Patrol Craft Police Airship RTR RC Boat Rechargeable Batteries
Stunning looks with two powerful motors: Exciting and fast Simple, easy to get started Automatically turned on when the boat is put into the water Four-channels: You can forward, backward, turn left, turn right (Frequency 40MHz/27MHZ) Remote radius: 30 meters, maximum speed: 2.5km per hour Come with 4.8V 800MAH Ni-Cd rechargeable battery, and remote controller(9V batteries) First charge time 8 hours, after that 4-5 hours per charge
More here>>>>>
Stunning looks with two powerful motors: Exciting and fast Simple, easy to get started Automatically turned on when the boat is put into the water Four-channels: You can forward, backward, turn left, turn right (Frequency 40MHz/27MHZ) Remote radius: 30 meters, maximum speed: 2.5km per hour Come with 4.8V 800MAH Ni-Cd rechargeable battery, and remote controller(9V batteries) First charge time 8 hours, after that 4-5 hours per charge
- Stunning looks with two powerful motors: Exciting and fast Simple, easy to get started Automatically turned on when the boat is put into the water
- Four-channels: You can forward, backward, turn left, turn right (Frequency 40MHz/27MHZ) Remote radius: 30 meters, Come with 4.8V 800MAH Ni-Cd rechargeable battery, and remote controller(9V batteries)
- First charge time 8 hours, after that 4-5 hours per charge
- Vent must be closed after use. Pour out water and plug out. Material: ABS plastic Hull Size: 43 x 13.5 x 16cm
- Package: 1 x Airship 1 x Remote Controller 1 x Charger 1 x Antenna 2 x Batteries
More here>>>>>
from The Best Remote Control Toys http://ift.tt/1IZb46S
Sunday, December 14, 2014
S.C. moves up one spot in America's Health Rankings
S.C. moves up one spot in America's Health Rankings http://ift.tt/1ssJNFl
from Usa Insurance News http://ift.tt/1uJWwhX
>
S.C. moves up one spot in America's Health Rankings
"When you have ranking systems like this, for us to move up one, (it) means someone else moved back one," said Lillian Smith, the assistant dean for practice and community engagement at the University of South Carolina's Arnold School of Public Health. "Does that mean that we improved or someone else got worse? You've got to take these things with a grain of salt."
The report, which is released every December, is sponsored by United Health Foundation, the American Public Health Association and Partnership for Prevention. Hawaii earned the top spot in this year's rankings. Mississippi was named the least healthy state. Most states in the bottom 10 are in the South.
Nationally, there is also room for improvement. Obesity rates and the percentage of adults who aren't physically active increased between 2013 and 2014. Meanwhile, infant mortality and the number of Americans who are smoking decreased slightly year over year, while the percentage of adolescents who were adequately immunized increased.
"We applaud hard-won advances in several key measures, including smoking prevalence, even as this year's America's Health Rankings is a solemn reminder that we have a lot more work ahead of us," said Dr. Reed Tuckson, senior medical adviser for the United Health Foundation, in a prepared statement.
Read more here>>>>
"When you have ranking systems like this, for us to move up one, (it) means someone else moved back one," said Lillian Smith, the assistant dean for practice and community engagement at the University of South Carolina's Arnold School of Public Health. "Does that mean that we improved or someone else got worse? You've got to take these things with a grain of salt."
The report, which is released every December, is sponsored by United Health Foundation, the American Public Health Association and Partnership for Prevention. Hawaii earned the top spot in this year's rankings. Mississippi was named the least healthy state. Most states in the bottom 10 are in the South.
Nationally, there is also room for improvement. Obesity rates and the percentage of adults who aren't physically active increased between 2013 and 2014. Meanwhile, infant mortality and the number of Americans who are smoking decreased slightly year over year, while the percentage of adolescents who were adequately immunized increased.
"We applaud hard-won advances in several key measures, including smoking prevalence, even as this year's America's Health Rankings is a solemn reminder that we have a lot more work ahead of us," said Dr. Reed Tuckson, senior medical adviser for the United Health Foundation, in a prepared statement.
Read more here>>>>
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More choices, similar prices on federal insurance marketplace
More choices, similar prices on federal insurance marketplace http://ift.tt/1uG43gE
from Usa Insurance News http://ift.tt/1BNayqC
>
More choices, similar prices on federal insurance marketplace
COLUMBIA, SC — South Carolina shoppers on the federal health insurance marketplace have more choices than last year and average prices haven’t gone up, according to statistics released Thursday by the U.S. Department of Health and Human Services.
Those statistics match similar numbers released last month by the S.C. Department of Insurance. The plans offered through the federal exchange have to be approved by the state agency.
The average number of plans available in a county in South Carolina is 59, up from 25 last year. Shoppers in some counties have more choices. You can window-shop without going through the application process at www.healthcare.gov.
The four companies that offered policies in South Carolina last year – BlueCross BlueShield of SC, BlueChoice HealthPlan, Coventry One and Consumers’ Choice Health Plan – returned and nearly doubled their plan options. One new company joined the S.C. market – Assurant Health – but its premiums are much higher than the other four companies.
Plans are offered at various levels – platinum, gold, silver, bronze and catastrophic – based on what percentage of your health care they cover. The federal statistics compared prices for the second-least expensive silver plan in each state in 2013 and 2014. In South Carolina, the average premium for that benchmark plan remained the same. Overall, premiums for all plans increased less than 1 percent, according to the state insurance department.
Read more here>>>>>
COLUMBIA, SC — South Carolina shoppers on the federal health insurance marketplace have more choices than last year and average prices haven’t gone up, according to statistics released Thursday by the U.S. Department of Health and Human Services.
Those statistics match similar numbers released last month by the S.C. Department of Insurance. The plans offered through the federal exchange have to be approved by the state agency.
The average number of plans available in a county in South Carolina is 59, up from 25 last year. Shoppers in some counties have more choices. You can window-shop without going through the application process at www.healthcare.gov.
The four companies that offered policies in South Carolina last year – BlueCross BlueShield of SC, BlueChoice HealthPlan, Coventry One and Consumers’ Choice Health Plan – returned and nearly doubled their plan options. One new company joined the S.C. market – Assurant Health – but its premiums are much higher than the other four companies.
Plans are offered at various levels – platinum, gold, silver, bronze and catastrophic – based on what percentage of your health care they cover. The federal statistics compared prices for the second-least expensive silver plan in each state in 2013 and 2014. In South Carolina, the average premium for that benchmark plan remained the same. Overall, premiums for all plans increased less than 1 percent, according to the state insurance department.
Read more here>>>>>
from Usa Insurance News http://ift.tt/1BNayqC
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Saturday, December 13, 2014
Deadline approaching for people who want health coverage through federal exchange on Jan. 1
Deadline approaching for people who want health coverage through federal exchange on Jan. 1 http://ift.tt/1A5Jnn9
from Usa Insurance News http://ift.tt/1BIq2wa
>
Deadline approaching for people who want health coverage through federal exchange on Jan. 1
COLUMBIA, South Carolina — South Carolinians have until Monday to sign up for health insurance through the federal exchange if they want coverage to start Jan. 1.
The deadline applies to both the uninsured and current Healthcare.gov customers. While the second year of enrollment under President Barack Obama's signature health care law continues through Feb. 15, the deadline is important for people who want insurance — or a new plan — to take effect on New Year's Day.
Current customers who do nothing will be automatically renewed in the plan they have now on Jan. 1. But with premiums changing for 2015, administration officials and consumer advocates are urging people to come back and shop.
"There is still a great gap of information. Understandably, people are confused," said Patti Embry-Tautenhan, spokeswoman for BlueCross BlueShield of South Carolina, which is educating people about the deadline and their choices through three retail stores in South Carolina and two roaming recreational vehicles.
South Carolinians have more choices for 2015, with one additional company selling policies through the exchange and the state's largest insurer doubling its offerings.
"We know people value choice, and we wanted to give them as many options as we could," Embry-Tautenhan said.
The online marketplace for private insurance is intended for people who don't have access to affordable coverage through their jobs. According to the state Department of Insurance, 10 companies write individual health insurance policies in South Carolina. Five of those offer plans through the exchange, through which people can get federal subsidies to help offset premium costs.
The fifth company joining the exchange this cycle is Assurant Health. BlueCross BlueShield and its licensee, BlueChoice, as well as the health insurance cooperative Consumers' Choice — one of 24 nationwide created by the federal law — continue to offer plans statewide. Coventry Health Care, which was bought last year by Aetna, is also again offering plans.
COLUMBIA, South Carolina — South Carolinians have until Monday to sign up for health insurance through the federal exchange if they want coverage to start Jan. 1.
The deadline applies to both the uninsured and current Healthcare.gov customers. While the second year of enrollment under President Barack Obama's signature health care law continues through Feb. 15, the deadline is important for people who want insurance — or a new plan — to take effect on New Year's Day.
Current customers who do nothing will be automatically renewed in the plan they have now on Jan. 1. But with premiums changing for 2015, administration officials and consumer advocates are urging people to come back and shop.
"There is still a great gap of information. Understandably, people are confused," said Patti Embry-Tautenhan, spokeswoman for BlueCross BlueShield of South Carolina, which is educating people about the deadline and their choices through three retail stores in South Carolina and two roaming recreational vehicles.
South Carolinians have more choices for 2015, with one additional company selling policies through the exchange and the state's largest insurer doubling its offerings.
"We know people value choice, and we wanted to give them as many options as we could," Embry-Tautenhan said.
The online marketplace for private insurance is intended for people who don't have access to affordable coverage through their jobs. According to the state Department of Insurance, 10 companies write individual health insurance policies in South Carolina. Five of those offer plans through the exchange, through which people can get federal subsidies to help offset premium costs.
The fifth company joining the exchange this cycle is Assurant Health. BlueCross BlueShield and its licensee, BlueChoice, as well as the health insurance cooperative Consumers' Choice — one of 24 nationwide created by the federal law — continue to offer plans statewide. Coventry Health Care, which was bought last year by Aetna, is also again offering plans.
Read more here>>>>
from Usa Insurance News http://ift.tt/1BIq2wa
>
Wednesday, December 10, 2014
Sunday, December 7, 2014
Top 15 Lovely-looking Striped Breeds of Cat in the World
Top 15 Lovely-looking Striped Breeds of Cat in the World http://ift.tt/1ysXfp3
from Finr.co http://ift.tt/15XA5Aj
Top 15 Lovely-looking Striped Breeds of Cat in the World
Tigers and Zebras are the most popular striped animals in the world. If you are a cat lover, I am sure you are aware that there are breeds of cat that are striped. Here are the most beautiful and remarkable striped cat breeds in the world.
Tigers and Zebras are the most popular striped animals in the world. If you are a cat lover, I am sure you are aware that there are breeds of cat that are striped. Here are the most beautiful and remarkable striped cat breeds in the world.
1.) Toyger
| Toyger Cat Picture |
The awesome-looking Toyger is probably the most remarkable striped breed of cat in the world. This breed is the result of breeding domestic shorthaired Tabbies to make it looks like a “toy tiger”. The breeding started in the 1980s. The purpose of its development is to inspire people to care about the conservation of Tigers in the wild.
2.) American Bobtail
| American Bobtail Cat Picture |
The very sturdy American Bobtail is a striped bred of cat that originated in the USA. The development of this new and uncommon cat breed started in the 1960s. The breed is remarkable for its stubby "bobbed" tail which is the result of a cat body type genetic mutation affecting the tail development. American Bobtails can be either shorthaired or longhaired and their coat is shaggy rather than dense or fluffy. Their eyes and fur come in different colors.
3.) Dragon Li
| Dragon Li Cat Picture |
The Dragon Li is a striped Chinese breed of cat and displays a unique golden brown, broken mackerel tabby pattern which is also known as broken striped. Its almond-shaped eyes are yellow/green in color. This intelligent breed is also known for a variety of names such as Chinese Li Hua, China Li Hua, Li Hua, Li Hua Mau, Li Hua Mao, or simply Li Mao.
4.) Norwegian Forest Cat
| Norwegian Forest Cat Picture |
The handsome-looking Norwegian Forest Cat is not just a long-haired breed ca; it is remarkable for its striped legs. This breed is very popular in some countries of Europe such as Norway, Sweden and France.
5.) Exotic Shorthair
| Exotic Shorthair Cat Picture |
The fancy-looking Exotic Shorthair is a striped cat breed developed to be a shorthaired version of the Persian, a longhaired cat breed.
6.) Bengal Cat
| Bengal Cat Picture |
The stripes on the Bengal Cat are notable on its legs, neck and tail. It is a striped cat and at the same time, a spotted one. This hybrid breed of cat is a cross of an Asian Leopard Cat and a domestic feline.
7.) European Shorthair
| European Shorthair Cat Picture |
The elegant-looking European Shorthair is a striped cat breed that originated from Sweden. It is also known as Celtic Shorthair.
8.) American Shorthair
| American Shorthair Cat Picture |
The beautiful American Shorthair or ASH is a striped cat breed that descended from English domestic cats brought to North America by early British settlers for the purpose of protecting their valuable cargo from mice and rats. This breed is the 8th most popular breed of cat in the United States.
9.) American Curl
| American Curl Cat Picture |
The American Curl is not only unique for its peculiar ears that curl back but also for its slight stripes. This cat breed originated in Lakewood, California, USA.
The breeding of American Curl started in 1981 from two stray cats.
10.) Sokoke
| Sokoke Cat Picture |
The Sokoke’s stripes are notable on its tail and legs. This cat breed’s original name was Khadzonzos. This name was given to the cat by the local people, the Giriama tribe, who had known of the cat for a considerable time.
11.) Grey Classic Tabby
| Grey Classic Tabby Cat Picture |
The awesome-looking Grey Classic Tabby is captivating for the “bull’s eye” pattern on its body and looks more beautiful for the stripes on its legs, tail and breast.
12.) Kurilian Bobtail
| Kurilian Bobtail Cat Picture |
The Kurilian Bobtail is a striped and beautiful breed of cat that originated in the Kuril Islands of Russia.
13.) Pixie-bob
| Pixie-bob Cat Picture |
The Pixie-bob is a striped and wonderful domestic cat breed which is bred primarily for the purposes of ownership, cat fancy registration and for import and export.
14.) Scottish Fold
| Scottish Fold Cat Picture |
The Scottish Fold is a unique striped cat breed with folded ears and beautifully colored eyes. Its ears that bend forward and down towards the front of its head gave the cat an "owl-like" appearance.
15.) Domestic Shorthair
| Domestic Shorthair Cat Picture |
The last but not the least striped cat breed on the list is a Domestic Shorthaired Cat or DSH. It is a cat fancy that does not have a pedigree or doesn’t belong to a recognized cat breed.
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The Most Beautiful and Notable Colorpoint Breeds of Cat
The Most Beautiful and Notable Colorpoint Breeds of Cat http://ift.tt/1qe5x6n
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The Most Beautiful and Notable Colorpoint Breeds of Cat
Some cat breeds are uniquely colored. Like horses, rabbits and other animals, one distinctive cat coloration is the so-called ‘point coloration’ or colorpoint. This coloration refers to animal coat coloration with a pale body and relatively darker extremities, like the face, ears, feet, tail, and scrotum in males.
Some cat breeds are uniquely colored. Like horses, rabbits and other animals, one distinctive cat coloration is the so-called ‘point coloration’ or colorpoint. This coloration refers to animal coat coloration with a pale body and relatively darker extremities, like the face, ears, feet, tail, and scrotum in males.
1.) Munchkin Cat
| Munchkin Cat Picture |
One of the cutest cat breed is the Munchkin. This unique breed of cat has abnormally short legs. Despite the shortness of its legs, it is still good in running and leaping. It is also notable for its point coloration.
2.) Himalayan Cat
| Himalayan Cat Picture |
The Himalayan Cat is a longhaired cat breed similar in appearance to the Perisan. This blue-eyed cat is notable also for its point coloration.
3.) Japanese Bobtail
| Japanese Bobtail Cat Picture |
The neat looking and elegant Japanese Bobtail is a cat breed with an unusual "bobbed" tail and colorpoint coloration. It is an ancient cat breed that originated in Japan.
4.) Siamese Cat
| Siamese Cat Picture |
One breed of cat which is notable for its colorpoint coloration is the Siamese Cat. This cat breed from Southeast Asia became one of the most popular breeds in Europe and North America in the 20th century.
5.) Ragdoll
| Ragdoll Cat Picture |
The cute-looking Ragdoll is a breed cat with blue eyes and a distinct colorpoint coat. It is a large and muscular semi-longhair cat with a soft and silky coat.
6.) Balinese
| Balinese Cat Picture |
Most of the colorpoint cat breed originated in Asia particularly in the Southeast like the Balinese. It is a cat breed with long hair and Siamese-style colorpoint. This cat breed is rated the highest in intelligence of all the long-haired breeds and can live up to 21 years. It is rated 9–10 while the Persian is rated as 6 and the Himalayans as 7.
7.) Birman
| Birman Cat Picture |
The Birman is a beautiful cat breed that originated in Burma. It is also called the "Sacred Cat of Burma". This medium-long hair cat breed is pointed but the paws have white gloves.
8.) Javanese Cat
| Javanese Cat Picture |
The Javanese is a cat breed with long hair with colorpoint. This cat with long, silky coats comes in different colors.
9.) Tonkinese
| Tonkinese Cat Picture |
Tonkinese is a cat breed distinguished by points as with Burmese and Siamese. This medium-sized domestic cat is lively, friendly, often talkative cats, with gregarious personalities. It is a happy apartment cat if they have some exercise opportunity.
10.) Turkish Angora
| Turkish Angora Cat Picture |
The last on the list of colorpoint breed of cat is the Turkish Angora. This uniquely beautiful and ancient cat breed originated in Ankara, Turkey.
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Thursday, December 4, 2014
Racing Remote Control Boat Toys EP777
Racing Remote Control Boat Toys EP777 http://ift.tt/1tRAOHu
from The Best Remote Control Toys http://ift.tt/1tRAMzr
Racing Remote Control Boat Toys EP777
Double Horse RC Racing Boat Radio Remote Control Electric Powered Wind Speed Motor Ship R/C Yacht Cruiser
- Factory assembled, Ready to Run (RTR)
- Vector-push design for easy control
- 100% durable metal actuating mechanism
- Powered by twin 380 type racing motor for tremendous power
- Professionally designed and manufactured PC twin propeller
- Professional grade Hi-Capacity rechargeable battery pack and A/C adapter
- Speed: up to 10 mph
- Running time: up to 15 minutes
- Range: Up to 300 feet
- Dimension: 28"(L) x 10"(W) x 6"(H)
More here>>>>>
Double Horse RC Racing Boat Radio Remote Control Electric Powered Wind Speed Motor Ship R/C Yacht Cruiser
| Racing Remote Control Boat Toys EP777 |
- Factory assembled, Ready to Run (RTR)
- Vector-push design for easy control
- 100% durable metal actuating mechanism
- Powered by twin 380 type racing motor for tremendous power
- Professionally designed and manufactured PC twin propeller
- Professional grade Hi-Capacity rechargeable battery pack and A/C adapter
- Speed: up to 10 mph
- Running time: up to 15 minutes
- Range: Up to 300 feet
- Dimension: 28"(L) x 10"(W) x 6"(H)
More here>>>>>
from The Best Remote Control Toys http://ift.tt/1tRAMzr
Wednesday, December 3, 2014
Oregon LTD Insurance Woes Are a Day in the Life of Insurance Frustration
Oregon LTD Insurance Woes Are a Day in the Life of Insurance Frustration http://ift.tt/11T2CVm
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Oregon LTD Insurance Woes Are a Day in the Life of Insurance Frustration
Portland, OR: Cigna has long been a provider of short- and long-term disability (LTD) coverage for consumers and employees in various states, including Oregon. However, Cigna is also not unlike other insurance providers who have been accused of Denied Disability Claims, regardless of legitimacy of the claim. Anyone having filed an Oregon Long term disability lawsuit in Oregon would be forgiven for feelings of vindication after noting some other examples of legal hot water Cigna finds itself in.
Oregon LTD Insurance Woes Are a Day in the Life of Insurance FrustrationIn one example, a former insider of both Cigna and another entity is alleging that Cigna and the other party have colluded to increase health insurance premiums in an alleged effort to defraud Medicare and private insurance members.
In a release from PR Newswire (10/29/14), whistleblower Pete Bonewitz accuses Cigna of artificially increasing premiums through the application of incentives, strategic claims acceptance and by leveraging weakness in ICD-9 coding systems. Bonewitz also alleges that the other party - Zotec Partners - has been coding false claims to meet Cigna’s requirements.
“Together, Cigna and Zotec Partners’ unscrupulous methods have made disputing medical bills enormously convoluted with the intent of placing an unnecessary burden on members,” Bonewitz says in his whistleblower lawsuit. “This manipulative process has resulted in artificially increasing the risk of ALL (original emphasis) Cigna members.”
Bonewitz claims he was wrongfully terminated from both companies after attempting to bring his concerns to their attention. His 51-page bad faith insurance civil lawsuit was filed in the Circuit Court for Davidson County at Nashville (14c-4350, 3:14cv0096 and 1:2014cv01464).
Meanwhile, anyone considering or having filed an Oregon bad faith insurance lawsuit might be interested in knowing about another allegation that involves Cigna and another funder of health care services, Blue Shield. According to the Ventura County Star (9/26/14), plaintiffs accuse the two insurers of participating in a bait and switch scheme that allegedly left many consumers out in the cold after they signed up.
Plaintiff Kevin McCarthy, together with his wife Jane, is the lead plaintiff in a proposed class-action lawsuit that could have as many as 410,000 class participants, according to the report. McCarthy is self-employed. When he signed himself and his wife up for coverage with Blue Shield as part of the new health reforms, he claims to have duly checked the provider’s website and noted that his doctor and team of health care providers were a part of the Blue Shield network. He said his doctors also confirmed this, as did those who provided health care for his wife.
Portland, OR: Cigna has long been a provider of short- and long-term disability (LTD) coverage for consumers and employees in various states, including Oregon. However, Cigna is also not unlike other insurance providers who have been accused of Denied Disability Claims, regardless of legitimacy of the claim. Anyone having filed an Oregon Long term disability lawsuit in Oregon would be forgiven for feelings of vindication after noting some other examples of legal hot water Cigna finds itself in.
Oregon LTD Insurance Woes Are a Day in the Life of Insurance FrustrationIn one example, a former insider of both Cigna and another entity is alleging that Cigna and the other party have colluded to increase health insurance premiums in an alleged effort to defraud Medicare and private insurance members.
In a release from PR Newswire (10/29/14), whistleblower Pete Bonewitz accuses Cigna of artificially increasing premiums through the application of incentives, strategic claims acceptance and by leveraging weakness in ICD-9 coding systems. Bonewitz also alleges that the other party - Zotec Partners - has been coding false claims to meet Cigna’s requirements.
“Together, Cigna and Zotec Partners’ unscrupulous methods have made disputing medical bills enormously convoluted with the intent of placing an unnecessary burden on members,” Bonewitz says in his whistleblower lawsuit. “This manipulative process has resulted in artificially increasing the risk of ALL (original emphasis) Cigna members.”
Bonewitz claims he was wrongfully terminated from both companies after attempting to bring his concerns to their attention. His 51-page bad faith insurance civil lawsuit was filed in the Circuit Court for Davidson County at Nashville (14c-4350, 3:14cv0096 and 1:2014cv01464).
Meanwhile, anyone considering or having filed an Oregon bad faith insurance lawsuit might be interested in knowing about another allegation that involves Cigna and another funder of health care services, Blue Shield. According to the Ventura County Star (9/26/14), plaintiffs accuse the two insurers of participating in a bait and switch scheme that allegedly left many consumers out in the cold after they signed up.
Plaintiff Kevin McCarthy, together with his wife Jane, is the lead plaintiff in a proposed class-action lawsuit that could have as many as 410,000 class participants, according to the report. McCarthy is self-employed. When he signed himself and his wife up for coverage with Blue Shield as part of the new health reforms, he claims to have duly checked the provider’s website and noted that his doctor and team of health care providers were a part of the Blue Shield network. He said his doctors also confirmed this, as did those who provided health care for his wife.
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>
5 health insurance surprises to avoid
5 health insurance surprises to avoid http://ift.tt/11SXXTq
from Usa Insurance News http://ift.tt/1yJFe8D
>
5 health insurance surprises to avoid
If you buy your own health insurance, Nov. 15 has some significance to you. It's the first day of open enrollment to shop for your 2015 coverage.
This is the second shopping period under the Affordable Care Act, so all the changes the law brought about could still feel new and foreign. For many people shopping — having the option to leave your plan for a better policy — was not a consideration. Now, it is.
In Oregon, there are 13 insurers in the individual market and 10 of them are offering plans on the marketplace at HealthCare.gov. Oregon Insurance Commissioner Laura Cali says that's quite a competitive market.
This state has always had good competition, she said, but it's increased even more in the last couple of years. In some states, one company dominates the market, so consumers don't have much choice.
"Ultimately, you've got all these companies fighting to get market share," Cali said. "They seek to differentiate themselves in a number of ways. The main way is price. They're making sure they're as precise as they can when they develop their rates and it also incentivizes them to try different things with their product offerings."
But to take advantage of these offerings, consumers need to be engaged and informed. That's easier said than done. In the last open enrollment period, Moda Health Plan dominated the market on Cover Oregon -- capturing about 70 percent of enrollees. Its silver plan premium for a 40-year-old in Portland was the second cheapest.
People shopped looking at premiums then, and they're still going to largely drive consumer decisions this year, Cali said. But a low premium doesn't necessarily equate to lower total out-of-pocket costs in the course of a year's worth of health care expenses. The best way to avoid surprise medical bills is to be as informed as possible about your plan's coverage.
Here are some features other than premium prices to look at when shopping this open enrollment period.
Cost sharing
A good starting point is to think back on what kind of health care services you use and how often. While you can't predict everything, you can take into account how often you go to your doctor, if there's a specialist you see regularly and what prescriptions you take. You could also take into account any procedures you might need in the next year.
Then figure out the funds you might pay on top of premiums to access those services. Coinsurance means the plan pays a particular portion of a service, and you pay the rest. Copays are fixed amounts you pay upfront for covered care. Check your prospective insurer's website for a prescription formulary and make sure your prescriptions will be covered.
Deductible
This is the amount you pay out of pocket before your plan starts to kick in. This is where you could be hit by surprise expenses if you're not careful. A low premium and a high deductible aren't necessarily advantageous. Healthy people who don't use health services much could get away with it, but it would be wise to set aside some money that could cover your deductible in case you get sick or injured.
Doctor
If you intend to continue your relationship with your doctors, make sure to check the provider directory so you're not hit by costly out-of-pocket costs at your next appointment. Contracts can change quickly, so keep in mind that the directory might not be up to date. The safest thing is to check with both the insurance company and your doctor's office.
Beyond that, you might be interested in seeing whether the plan you're looking at offers a broad network or a narrow network. Limiting the number of providers in the plan's network is one way companies are lowering costs. That's something to consider when you are eyeing a cheap plan.
Travel
If you travel a lot for work or for leisure, check to see whether the plan has an out-of-network benefit. Some plans will cover your out-of-network services at a higher cost share on your part, but others might not cover them at all.
Agent
Are things getting mixed up in your head yet? You are not alone. Consider contacting a health insurance agent to help you get all these factors straight and find the plan that best fits you. Agents are health insurance experts who can help you for free — they make their living through commissions on plans they sell.
Source
If you buy your own health insurance, Nov. 15 has some significance to you. It's the first day of open enrollment to shop for your 2015 coverage.
This is the second shopping period under the Affordable Care Act, so all the changes the law brought about could still feel new and foreign. For many people shopping — having the option to leave your plan for a better policy — was not a consideration. Now, it is.
In Oregon, there are 13 insurers in the individual market and 10 of them are offering plans on the marketplace at HealthCare.gov. Oregon Insurance Commissioner Laura Cali says that's quite a competitive market.
This state has always had good competition, she said, but it's increased even more in the last couple of years. In some states, one company dominates the market, so consumers don't have much choice.
"Ultimately, you've got all these companies fighting to get market share," Cali said. "They seek to differentiate themselves in a number of ways. The main way is price. They're making sure they're as precise as they can when they develop their rates and it also incentivizes them to try different things with their product offerings."
But to take advantage of these offerings, consumers need to be engaged and informed. That's easier said than done. In the last open enrollment period, Moda Health Plan dominated the market on Cover Oregon -- capturing about 70 percent of enrollees. Its silver plan premium for a 40-year-old in Portland was the second cheapest.
People shopped looking at premiums then, and they're still going to largely drive consumer decisions this year, Cali said. But a low premium doesn't necessarily equate to lower total out-of-pocket costs in the course of a year's worth of health care expenses. The best way to avoid surprise medical bills is to be as informed as possible about your plan's coverage.
Here are some features other than premium prices to look at when shopping this open enrollment period.
Cost sharing
A good starting point is to think back on what kind of health care services you use and how often. While you can't predict everything, you can take into account how often you go to your doctor, if there's a specialist you see regularly and what prescriptions you take. You could also take into account any procedures you might need in the next year.
Then figure out the funds you might pay on top of premiums to access those services. Coinsurance means the plan pays a particular portion of a service, and you pay the rest. Copays are fixed amounts you pay upfront for covered care. Check your prospective insurer's website for a prescription formulary and make sure your prescriptions will be covered.
Deductible
This is the amount you pay out of pocket before your plan starts to kick in. This is where you could be hit by surprise expenses if you're not careful. A low premium and a high deductible aren't necessarily advantageous. Healthy people who don't use health services much could get away with it, but it would be wise to set aside some money that could cover your deductible in case you get sick or injured.
Doctor
If you intend to continue your relationship with your doctors, make sure to check the provider directory so you're not hit by costly out-of-pocket costs at your next appointment. Contracts can change quickly, so keep in mind that the directory might not be up to date. The safest thing is to check with both the insurance company and your doctor's office.
Beyond that, you might be interested in seeing whether the plan you're looking at offers a broad network or a narrow network. Limiting the number of providers in the plan's network is one way companies are lowering costs. That's something to consider when you are eyeing a cheap plan.
Travel
If you travel a lot for work or for leisure, check to see whether the plan has an out-of-network benefit. Some plans will cover your out-of-network services at a higher cost share on your part, but others might not cover them at all.
Agent
Are things getting mixed up in your head yet? You are not alone. Consider contacting a health insurance agent to help you get all these factors straight and find the plan that best fits you. Agents are health insurance experts who can help you for free — they make their living through commissions on plans they sell.
Source
from Usa Insurance News http://ift.tt/1yJFe8D
>
Sunday, November 30, 2014
New Bright F/F Monster Jam Grave Digger RC Car Toys
New Bright F/F Monster Jam Grave Digger RC Car Toys https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGSdSm-Dl6Lb9WdoP3jgRGgBwyjN92HlnMSBvefvVNIS-tjpJ3KoDNjCuafoEofkrSUYH7ny09fb7tgYpqtPn8IyP6gJT39uu9FM81tLAFJK4tfLl8h_Pi8rFlWGk2_J2g1VPoaA5pAXjM/s1600/Rc-toys.png
from The Best Remote Control Toys http://www.thebestrctoys.tk/2014/11/new-bright-ff-monster-jam-grave-digger.html
New Bright F/F Monster Jam Grave Digger RC Car Toys
Rule the arena with these 1:24 scale Monster Jam trucks. Featuring a detailed frame authentic Monster Jam styling, oversized tires and bright graphics. Monster Jam is...As Big As It Gets!
Rule the arena with these 1:24 scale Monster Jam trucks. Featuring a detailed frame authentic Monster Jam styling, oversized tires and bright graphics. Monster Jam is...As Big As It Gets!
- Full Function
- Forward/Reverse Drive, Left/Right Steering
- Left/Right Steering
More here>>>>>>>
from The Best Remote Control Toys http://www.thebestrctoys.tk/2014/11/new-bright-ff-monster-jam-grave-digger.html
Health care lags for women in Pennsylvania
Health care lags for women in Pennsylvania https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuiN-WZRXdcS4eYw75wsfFYcC3NJ7xerEFiuvQUjrcfPx37mE9Ul53nQOIxSP2pzcfrrcp-Aef69AKCnQdtLbgGI2IdX4abJlusS0h2pCr2TpL7htXLeGgZVHAlYb8LRfPpFftYQOIQ6w/s1600/tb0713c-jpg.jpg
from Usa Insurance News http://www.usainsurancenews.cf/2014/11/health-care-lags-for-women-in.html
>
Health care lags for women in Pennsylvania
Is Pennsylvania delivering on the promise of quality, affordable health care for women?
Women across Pennsylvania are doing everything we can to support our families, but the deck is stacked against us — especially when it comes to getting the health care we need to lead healthy, prosperous lives.
The newly released 2014 Women’s Health Report Card for Pennsylvania underscores our reality: Pennsylvania is falling behind when it comes to meeting women’s health needs.
The report card ranks all 50 states on 30 measures of women’s health, including measures indicating coverage, access to care and health outcomes. Pennsylvania was ranked No. 22 and got an overall grade of C+. For health-care outcomes for women, the grade was a D.
Looking at measures of women’s health by race, Pennsylvania is doing even worse when it comes to women of color. For example: Latina women in Pennsylvania are more than twice as likely to be uninsured than women overall, and black women are almost twice as likely to have diabetes. These disparities are shocking — and unconscionable.
The report card was produced by the Alliance for a Just Society, a national policy, research and organizing network that has published pivotal reports on state and national health issues for 20 years. It was released this month in conjunction with Keystone Progress Education Fund.
The results of the Women’s Health Report Card should serve as a call to action for Pennsylvania policy makers. Women in our state are at risk, and many of them needlessly suffer. To improve women’s health, our elected leaders should start by:
• Expanding health coverage through full Medicaid expansion under the federal Affordable Care Act, not the Corbett administration’s Healthy PA plan. Accepting full federal funding to expand Medicaid would cover the highest possible number of low-income women and families.
• Resolving to make Pennsylvania a leader in eliminating racial disparities in women’s health and focusing on policies to improve health for women of color.
• Establishing strong standards for health-care networks to assure that people with health insurance can get the care they need without long delays or unreasonable travel. More community health clinics in underserved areas would help.
Read more here>>>>>>>>>
Is Pennsylvania delivering on the promise of quality, affordable health care for women?
Women across Pennsylvania are doing everything we can to support our families, but the deck is stacked against us — especially when it comes to getting the health care we need to lead healthy, prosperous lives.
 |
| Health care lags for women in Pennsylvania |
The newly released 2014 Women’s Health Report Card for Pennsylvania underscores our reality: Pennsylvania is falling behind when it comes to meeting women’s health needs.
The report card ranks all 50 states on 30 measures of women’s health, including measures indicating coverage, access to care and health outcomes. Pennsylvania was ranked No. 22 and got an overall grade of C+. For health-care outcomes for women, the grade was a D.
Looking at measures of women’s health by race, Pennsylvania is doing even worse when it comes to women of color. For example: Latina women in Pennsylvania are more than twice as likely to be uninsured than women overall, and black women are almost twice as likely to have diabetes. These disparities are shocking — and unconscionable.
The report card was produced by the Alliance for a Just Society, a national policy, research and organizing network that has published pivotal reports on state and national health issues for 20 years. It was released this month in conjunction with Keystone Progress Education Fund.
The results of the Women’s Health Report Card should serve as a call to action for Pennsylvania policy makers. Women in our state are at risk, and many of them needlessly suffer. To improve women’s health, our elected leaders should start by:
• Expanding health coverage through full Medicaid expansion under the federal Affordable Care Act, not the Corbett administration’s Healthy PA plan. Accepting full federal funding to expand Medicaid would cover the highest possible number of low-income women and families.
• Resolving to make Pennsylvania a leader in eliminating racial disparities in women’s health and focusing on policies to improve health for women of color.
• Establishing strong standards for health-care networks to assure that people with health insurance can get the care they need without long delays or unreasonable travel. More community health clinics in underserved areas would help.
Read more here>>>>>>>>>
from Usa Insurance News http://www.usainsurancenews.cf/2014/11/health-care-lags-for-women-in.html
>
Organizations to offer help for health insurance enrollment
Organizations to offer help for health insurance enrollment https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0P49EwE52cBmMhotb9mHPCaOwFK9J76vzqB2iOR7SqLBNCo-cGNr6LqNzqm6bRHYNqnAjx6nx2mJJ01sy65BUptgh6QAUwaaQCZ19CMayyLQUayRrPoCquwnqx5Cs2Q-zaoivgnF0RtI/s1600/5474f18b6728f.image.jpg
from Usa Insurance News http://www.usainsurancenews.cf/2014/11/organizations-to-offer-help-for-health.html
>
Organizations to offer help for health insurance enrollment
The Pennsylvania Health Access Network and the Partnership for Better Health hosts a free health insurance enrollment event from 2 to 8 p.m. Monday at the Bosler Memorial Library, 158 W. High St., Carlisle.
Navigators will be on hand to help provide one-on-one free enrollment assistance. Monday is the first day individuals can enroll in Healthy PA, which will make coverage available for individuals making less than $16,104 a year.
Last year, more than 300,000 Pennsylvanians were unable to get health insurance coverage because the state had not expanded Medicaid, the organizations said. This year, individuals will be able to enroll in Healthy PA — Pennsylvania’s version of expanded Medicaid.
The organizations are encouraging those who did not get coverage last year to try again since there are new health insurance options available this year.
Open enrollment in the Health Insurance Marketplace continues until Feb. 15.
To set up an appointment with a navigator or to get connected with free enrollment assistance in the Carlisle area, residents should call the Pennsylvania Health Access Network at 877-570-3642.
Source
The Pennsylvania Health Access Network and the Partnership for Better Health hosts a free health insurance enrollment event from 2 to 8 p.m. Monday at the Bosler Memorial Library, 158 W. High St., Carlisle.
 |
| Organizations to offer help for health insurance enrollment |
Navigators will be on hand to help provide one-on-one free enrollment assistance. Monday is the first day individuals can enroll in Healthy PA, which will make coverage available for individuals making less than $16,104 a year.
Last year, more than 300,000 Pennsylvanians were unable to get health insurance coverage because the state had not expanded Medicaid, the organizations said. This year, individuals will be able to enroll in Healthy PA — Pennsylvania’s version of expanded Medicaid.
The organizations are encouraging those who did not get coverage last year to try again since there are new health insurance options available this year.
Open enrollment in the Health Insurance Marketplace continues until Feb. 15.
To set up an appointment with a navigator or to get connected with free enrollment assistance in the Carlisle area, residents should call the Pennsylvania Health Access Network at 877-570-3642.
Source
from Usa Insurance News http://www.usainsurancenews.cf/2014/11/organizations-to-offer-help-for-health.html
>
Saturday, November 29, 2014
Improving Health Through Flavorful Eating
Improving Health Through Flavorful Eating
The special edition journal features 16 papers by leading experts that explore the latest research on spices and herbs, including studies that point to the positive impact of spices and herbs on diet quality, as well as other studies that suggest certain spices and herbs may have beneficial effects on satiety, energy metabolism, inflammation, insulin resistance and cardiovascular risk factors.
Until now, little attention has been given to the link between flavor and public health. However, the McCormick Science Institute Summit and these proceedings are helping to create awareness of this important connection.
Read more here
Improving Health Through Flavorful Eating
The special edition journal features 16 papers by leading experts that explore the latest research on spices and herbs, including studies that point to the positive impact of spices and herbs on diet quality, as well as other studies that suggest certain spices and herbs may have beneficial effects on satiety, energy metabolism, inflammation, insulin resistance and cardiovascular risk factors.
Until now, little attention has been given to the link between flavor and public health. However, the McCormick Science Institute Summit and these proceedings are helping to create awareness of this important connection.
Read more here
Improving Health Through Flavorful Eating
Moderate Coffee Drinking Reduces Many Risks
Moderate Coffee Drinking Reduces Many Risks
Coffee contains hundreds of components including substantial amounts of chlorogenic acid, caffeine, magnesium, potassium, vitamin B3, trigonelline, and lignans. Limited evidence suggests that coffee may improve glucose metabolism by reducing the rate of intestinal glucose absorption and by stimulating the secretion of the gut hormone glucagon-like peptide-1 (GLP-1) that is beneficial for the secretion of insulin. However, most mechanistic research on coffee and glucose metabolism has been done in animals and in lab tubes and therefore metabolic studies in humans are currently being conducted. Further research may lead to the development or selection of coffee types with improved health effects.
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Moderate Coffee Drinking Reduces Many Risks
Coffee contains hundreds of components including substantial amounts of chlorogenic acid, caffeine, magnesium, potassium, vitamin B3, trigonelline, and lignans. Limited evidence suggests that coffee may improve glucose metabolism by reducing the rate of intestinal glucose absorption and by stimulating the secretion of the gut hormone glucagon-like peptide-1 (GLP-1) that is beneficial for the secretion of insulin. However, most mechanistic research on coffee and glucose metabolism has been done in animals and in lab tubes and therefore metabolic studies in humans are currently being conducted. Further research may lead to the development or selection of coffee types with improved health effects.
Read more here
Moderate Coffee Drinking Reduces Many Risks