Fixing US Health Care Inflation -- Industry Analysis (28)
Posted on January 01, 2009 in Maternity insurance
Fixing US Health Care Inflation Industry Analysis (28)The US health care crisis was discussed in my previous video (#27). This video is about fixing the health care runaway inflation, which is in fact the heart of the problem. The following shows how to address the different causes of the inflation.New TechnologyUnlike the hi-tech industry where a new technology always brings down the price, the opposite is true when a company invents a new drug or testing equipment. The obvious reason is the five-year patent, which allows the company to charge a high price necessary for recovering the development costs. When the patent period expires and the generic products start to compete, the price may not come down because the company continues to market or hype its new brand for saving your life. The consumers do not have the expertise to question them and tend to accept what they say.An easy solution is to mandate all health care companies to publish their prices online to let the consumers compare. This will inject competition into the market. When a big price difference is shown to the public, the company charging a high price will try to mark down in order to compete. The key is transparency that will make the health care industry more competitive.Powerful Lobby Many legislators do not have the backbones to face the powerful lobbyists. They pass laws that favor the drug companies and other special interest groups. A concerted effort is required for the public, supported by employer, labor and other associations to counter the lobbyists. Remember the public has the votes to kick out any legislator who kowtows to special interests. Aggressive Lawyers and Defensive DoctorsTrial lawyers like the present situation to continue because there is no limit to compensation awarded due to medical malpractice or drugs that do permanent damage. This results in an uncertain business environment where the malpractice insurance for doctors skyrockets, thus contributing to the cost inflation. A law must be passed to limit the damage compensation to a reasonable amount so that doctors can operate without constant fear of being sued for exorbitant sums. This fear makes doctors extra defensive causing them to order unnecessary lab tests for the patient to guard against a lawsuit.Health InsuranceThe purpose of insurance is to cover for accidents or major events that do not occur everyday so that the insured are protected and the insurance companies can stay in business. Health care does not fit exactly into the regular insurance model, except for infrequent or catastrophic events such as pregnancy, cancer, heart attack, or traffic accidents. In these cases, health insurance can be less expensive and more affordable because of low occurrence of such events.However, another aspect of health care involves personal responsibility. What do you do when someone follows an unhealthy lifestyle that leads to frequent medical treatments? What do you do when someone often sees a doctor for the slightest body discomfort? If those people are required to pay for their own expenses each time, it will teach them a good lesson not to put extra strains on the entire health care system and push up its costs.Health insurance companies are no good in handling these two situations as described above. The result is higher premium for everybody, insuring only the healthier ones, complicated procedures, and refusal to pay without a valid reason. Even if the government takes over the insurance business, the problems will not go away. The key to solving this problem is more difficult including public education, personal responsibility, and disease prevention.BureaucracyThe streamlining of paperwork and bureaucracy in a huge industry like health care can always save billions of dollars. This is especially true if medical records are digitalized and centralized in secure databases. Fraud and CorruptionEvery year, the government has uncovered large sums of money wasted due to fraud or corruption. Tighter enforcement will further cut down this waste.Individual Health AccountsMany experts advocate individual saving accounts for health care. This has little effect on the runaway cost inflation. It merely opens doors for financial companies to tap into consumer savings. Remember the billions of dollars lost in 401k retirement plans in the 2008 financial meltdown? Consumers should beware of getting swindled for a second time.For further information, please email to stockfessor@comcast.net Author: stockfessor Keywords: stock market shares invest mutual fund retire industry analysis Added: December 26, 2008
Because the last 8 weeks have been teh suck « Resolving Timeline ...
Posted on December 21, 2008 in Maternity swimsuit
I found an aquafit class for 9am this morning - I will have to wear a tshirt over my swimsuit because I have NO IDEA where to buy a swimsuit (I should really get on that). Hopefully the exercise will help release some ...
В.Путин.6 Ежегодная большая пресс-конференция (Putin) Part 1
Posted on December 18, 2008 in Gap maternity
6 Annual Big Press Conference Part 1February 1,2007President of Russia V.PutinRound Hall,the Kremlin,MoscowPRESIDENT VLADIMIR PUTIN: Good afternoon, ladies and gentlemen.As has become tradition, I will begin our meeting today by summing up a few of last years results. As I have said many times in the past, everything the government and the authorities in general do should pursue one main aim, that of raising the living standards and quality of life of our countrys citizens. I will therefore begin by summing up the results achieved in the social sphere in 2006.Wages rose by 13.3 percent on average, real incomes increased by ten percent from last years base, and old-age pensions rose by 5.4 percent. We have a problem, of which our pensioners are well aware, in that the replacement coefficient in Russia is not very high 27 percent. This is lower than in many European countries, but the retirement age is also higher in Europe. In Russia, the retirement age for women is 55, for men 60, and for many categories the retirement age is even younger. In Europe there is no difference between men and women and everyone retires at 60, or at 65, and in many countries there is even talk now of raising this retirement age. But we do have a problem, nevertheless, especially in the main sectors of our economy. Regarding the aviation sector, we have decided that employers in this sector now have the right to put more money into pension funds by counting them not as profits, but as cost value. This could be the path to follow in the main sectors of our economy, and the government, in any case, will have the opportunity to reflect on this matter.We are starting to see the first results of implementing the national projects. Wages in the education sector rose by 30 percent on average, while wages in the healthcare sector rose by 37 percent, as compared to the planned increase of 15-17 percent. We are now seeing a new inflow of recent graduates, especially into primary healthcare, and there is increasing competition in medical schools for this area of specialisation. We are pleased to see that natural population decline has decreased by 17.3 percent. The mortality rate is falling and the birth rate has picked up slightly.I very much hope that the measures adopted last year to address the demographic issue the maternity capital and the whole package of measures to support women who decide to have a second child will help to consolidate this emerging tendency.We still have a great amount of work to do in social development, including resolving one of the biggest challenges we face in this area, namely, reducing the gap between high-income earners and people, citizens of our country, who are still living on very modest means indeed. But we cannot, of course, adopt the solution used 80 years ago and simply confiscate the riches of some to redistribute among others. We will use completely different means to resolve this problem, namely, we will ensure good economic growth.Looking now at what actually happened in the economy last year, the national economy continued to grow at a rapid rate. We will get the final result for 2006 only in March, but various estimates suggest GDP growth of approximately 6.7-6.9 percent for last year. I say approximately because we still need to calculate events in the energy sector at the end of the year in connection with the warm winter. Perhaps there will be slightly lower figures in the energy sector, but in any case, GDP growth was higher than in 2005 (it was 6.5 percent in 2005). As you know, one of our main goals is to double our GDP in ten years, and this requires an annual GDP growth rate of around 7 percent (6.8-6.9 percent).For the first time in modern Russian history we had single-digit inflation 9 percent - in 2006. It is very good to see that this was precisely what we forecast. I remind you that when I became prime minister in 1999, inflation was running at 36.5 percent. We can see that much has been done to lower inflation over these last years. But we cannot stop here, of course, and we will continue to fight inflation and should be able to bring it down to 4-5 percent over the next 3-4 years.As you know, Russia has settled and paid off the former Soviet debt ahead of schedule. We paid not only our share of the debt but also that of all the former Soviet republics. Last year, Russia paid $22 billion ahead of schedule. Just to remind you, Russias debt in the mid-1990s came to around $165 billion. Author: niknikolay Keywords: Annual Big Press Conference Part Ежегодная большая пресс-конференция Владимир Путин Vladimir Putin Kremlin Moscow шестая пресса президент Россия President Russia журналисты встреча вопросы Conferences Meetings with Statements Journalists meeting questions ежегодная Российской Федерации Путина российских иностранных журналистов Added: December 12, 2008
The fun of in and out for babies
Posted on November 07, 2008 in Maternity swimsuits
Putting toys, cups, or socks into a container, taking them out, and putting them back in again, is not only fun for your baby, but helps her to develop her understanding of how things work, and problem solving.By the age of 1 year (sometimes before) your baby will be big time into sorting objects and [...]
Sep 21, What Causes Morning Sickness?
Posted on September 24, 2008 in Wedding maternity dresses
What causes morning sickness? Help and for maternity brides.
Maternity Clothes: What do You Need and What Can You Find in Korea
Posted on August 26, 2008 in Maternity fashion
It is really frightening when you realize that many of the big clothes stores and brands are owned by the same company. The internet has really opened up a lot more options for maternity fashion . Unfortunately, most of these ...
maternity swimwear
Posted on August 20, 2008 in Maternity bathing suits
... time to cover up to petite and wonderful item from a fashions, including bathing suit that you are looking for designer wraps, kaftans and is also assist in cup braRelish in the trendy Maternity swimwear creates that you ...
Teen Decision Making On Engaging in High Risk Behavior Video
Posted on August 03, 2008 in High risk pregnancy
Factors That move big Decision Making by Youth Video. Tells the anecdote of four boys who are faced with a decision--whether or not to steal a car and take a joy ride. Shows that square though a boy's decision may be colored by his background, the responsibility is his. Well brought about production for teenagers about making big decisions. moreover indicates the importance of positive parent interaction with their children. Sid Davis triumphs newly in that insightful study of the young criminal mind. When four teenage boys adventitious upon a stylish convertible with its keys left in the ignition, they momentarily allow for if stealing the cab is a wise move. The film's unbreakable narrator states that while the four boys have gone through solitary life experiences that will ultimately influence their decision to either steal the car or directly walk away, they are all cognizant that the theft of the convertible constitutes a major criminal offence and that they will be held liable for their businesses. Those known with several of Davis' else films won't treasure the conclusion to be utterly as hard-hitting as one might presuppose, but it certainly doesn't disappoint. A nice production that stresses the importance of personal responsibility in a pellet in which it is actuality increasingly eschewed. Four 1960's teen boys, stock of their environment and life judgment, bargain a new convertable with the top down and the keys in the ignition. While we are in suspense about what they will do, the narrator reveals each teen's life history. In the somewhat moody style of social guidance films from Sid Davis Productions. Decision making is an critical skill to grind due to we throw together decisions on occasion day, big and little. Parents necessity children to grow up to be independent, responsible, happy adults. Learning and using a decision-making and problem-solving process will hand them grow toward that goal. Teens yen for to fudge together more and more of the decisions affecting them. They will memorize and grow from their successes and their mistakes. If parents prepare greater of the decisions for them, they will not be ready to take on that task as they become adults. How can you, as a parent, benefit them get decision-making skills? Teach them how to chore through the steps in decision making and let them constitute decisions. Frequently you may be involved in the process, and you can model appropriate commotions. that is again a fat opportunity to made passable communication medially you and your child. High-risk behaviors are those that can have adverse effects on the overall development and well-being of youth, or that might prevent them from future successes and development. that includes behaviors that cause immediate physical injury (e.g., fighting), as well as behaviors with cumulative negative effects (e.g., substance use). Risk behaviors again can overcome youth by disrupting their normal development or prevent them from participating in 'typical' experiences for their age group. For illustration, teen pregnancy can preclude youth from experiencing typical adolescent events such as graduating from school or from developing close friendships with peers. since high-risk behaviors can significantly impact the lives of youth and those about them, it is essential that parents, educators and added concerned adults become aware of the prevalence of these behaviors, the factors that accession their likelihood, and what can be completed to abate or prevent those risks. Moment of Decision (1962) Producer: Sid Davis. Production Company: Sid Davis Productions. Creative Commons license: Public occupation Author: rosaryfilms Keywords: youth teenagers teens teen decision decisions making crime juvenile deliquency deliquents criminal impulse impulses kids Added: May 3, 2008
can i help solving
Posted on July 26, 2008 in Teen pregnancy
helping to understand and succor teen pregnancy Author: DA858550 Keywords: teen pregnant ">pregnant solve help advice Added: June 30, 2008
Solving the Maternity Clothing Dilemna
Posted on June 17, 2008 in Mimi maternity
My favorite though seems to be Destination Maternity . This store is really three stores in one: A Pea in the Pod, Mimi Maternity and Motherhood maternity . The lines are very distinct from one another. A Pea in the Pod is high end items ...