Archive | January 2, 2017

Healthcare Reform Key Issues Unresolved

The healthcare reform bill has passed in the US Senate. However both the US House of Representatives and the US Senate bills have yet to address important details affecting patient care. Oversight concerning the determination of medical necessity as well as provider network inclusion issues have greatly affected medical reimbursement and patient access to care. Many insurance companies reimburse medical expenses based upon a determination of medical necessity by the carriers claims department. In the absence of external oversight or regulation, the insurance carrier is free to deny care solely based upon their on private internal review.

Another key issue not addressed is how provider networks create financial barriers to care. Many insurance carriers reimburse medical expenses at lower rates or refuse reimbursements for out-of-network providers. Medical practitioners may also be excluded from insurance company networks for a variety of reasons. Practitioners may be required to limit medical procedures for patients and the number of office visits as a precondition for inclusion in the insurance network. Medical practitioners may also be required to accept lower rates of reimbursement for services provided to patients as another precondition to network inclusion. Some medical networks charge medical practitioners a fee for inclusion in networks.

The patients right to choose their own medical practitioner is not federally guaranteed by law. Additionally, there is no guarantee an insurance company will pay for medical services and patients often have no way to determine what will be paid until after a claim is submitted and a response is generated the insurance companys claims department. The federal government seeks to mandate health insurance coverage for all US citizens yet has not stipulated that insurance companies must reimburse patients for medical expenses nor is there language to address oversight of the determination of medical necessity.

The determination of reimbursements is often based on what is termed as usual and customary. Insurance companies have sole discretion over this aspect of reimbursement for general health insurance policies and may choose to exclude many procedures, office visits, and medical tests whether or not teams of doctors agree that such medical services are vital to the patients survival, recovery, or comfort.

The US House of Representatives and the US Senate have not addressed these details which represent core issues affecting healthcare outcomes for patients. Until these unresolved issues are rectified, it is unclear whether or not US citizens with health insurance coverage will have adequate access to medical care.

Healthy Snacks For Kids

Preparing food for children and making them eat cannot always be an easy task, especially with fussy eaters. In order to ensure your child is getting all the nutritional demands of his body, it is important to give him foods that can create a balance in the nutrition levels. Fussy eating habits in children can create nutritional deficiencies, and the same can be balanced with the help of healthy recipes of snacks.

Fresh Fruits

When it comes to healthy recipes, nothing is better than a piece of fresh fruit. The amount you serve can vary depending upon the age of the child. Even the most fussy toddlers would love to eat fruits as they are juicy and colorful. Most fruits have a lot of minerals and vitamin contents in them, and some are packed with fiber that helps in digestion. Do not just confine the item to just one. Keep giving sliced apples and peaches, bananas, berries, orange portions, etc in a healthy mix so that your child will not get bored of the food. The ideal time to serve fruits is mid noon or after noon. Needless to say, these are toothfriendly as well, and can be easy on teeth of the tiny tots with just a few teeth. Give them in the form of milk shakes and smoothies to add variety to their diet.

Whole Grain Foods

Whole grain foods are rich in fiber, and these are available as cereals or snacks. Barley, rice, oats, wheat, corn etc are a few of the fiber rich whole grain foods that we can include in the everyday diet of kids. The best part is that, pretzels and crackers made of whole grains can be great alternatives to junk snacks. In addition, whole grain foods can contribute towards a full meal comprising of breads, pastas and rice. Those made of grains such as millet and buckwheat can offer gluten free diet benefits as well.

Vegetables

It will be easy on you if you get your child eat vegetables from an early age. Carrots and beans are vegetables that even toddlers love to eat. Begin with serving cooked items, and as they develop more teeth, switch to giving chopped foods such as sliced carrots. Steamed broccoli and sweet potatoes, boiled potato fingers, roasted kale, etc are great snacking ideas. For those confused about what is a vegan, yet healthy snack, can blindly go for the organic and fresh fruits and vegetables.

Leatherette Seat Covers–cost-effective Auto Accessories For Greater Seat Care

Every car owner desires to have soft, comfortable seats and pleasing interiors. Seats are the most important areas that determine the quality of pleasure while riding your automotive. If the seats are well maintained and cozy, you can expect desired look and feel inside your car. Are you looking for a cost-effective seat care solution for your automotive? Coverking Leatherette seat covers are one of the most effective auto accessories.

Leatherette seat covers by Coverking are very effective auto accessories available in the market. There are varieties of car seat covers available in the market. However, when it comes to have pleasing interiors at an affordable cost, getting any seat covers may not work.

Leatherette car seat covers are come with a variety of features that make them effective and desirable. The custom tailored seat covers are specially designed keeping the specifics of your car make and model in mind and fit right. With perfect fitting, the Coverking seat accessories provide optimum protection against hazards.

The snug fit seat covers by Coverking embrace all the contours of your original upholstery and ensure optimum protection against hazards and abuses. The seat accessories are made of high grade vinyl material and are strong enough to deal with hazards and other seat destroying elements.

The tough seat covers are long lasting and elegant. Coverking Leatherette seat covers are cost-effective and reliable. While the elegant appeal of Vinyl material adds vibrant look to your seats covers, the seat accessories display several exciting features as well.

The custom seat accessories by Coverking display excellent breathability, greater strength, soft touch, and superb color fastness among others. Leatherette seat covers are prepared of three layers that ensure greater effectiveness and strength.

Available in the huge array of colors and patterns, the custom Coverking auto accessories you can enhance look and feel inside your automotive. So, get the Leatherette seat covers by Coverking and ensure greater look and feel inside your car.

Choosing Sports Accessories for Summer

Summer is the perfect season for children to enjoy the great outdoors. You should let your children engage in the various summer sports so as to entertain them and at the same time have them physically fit. Children love to be mentally and physically challenged and summer sports can do just those. They become engaged and busy for hours with these sporting activities thus making summer an enjoyable season. For these sports activities, your children will also need the right sports accessories.

One of the best sports for the summer is swimming in the beach and or on the pool. This is a relaxing way to live summer and have regular exercise. For this sport, buy your children swimming trunks made of spandex, a pair of goggles, a swim float accessories if they do not know how to swim, arm bands and swim fins. With these equipment, your children will learn how to swim properly and safely. Do not forget to let them put on sunscreen so as not to get sun-burned.

One cardiovascular sport activity which is very intense is jumping rope. Such an exercise shall burn unwanted calories and build leg muscles. For this activity you will need to buy a good jump rope. In buying this accessory, let your kid stand on the rope’s center and then tell him to pull the handles high. The handles must come up to the chest so as to guarantee a perfect length for his height. This activity can be done on one’s own or with a group of people who have their own jump ropes.

Children who reside in the city where plenty of pavements can be found can go skateboarding. This sport however needs a lot of practice so as to be able to balance the body on the skateboard. There are plenty of books which teach skateboarding basics to amateurs. Sports accessories needed for this are elbow pads, helmet and kneepads so that your children will be protected from bruises and bumps in case they fall.

A fun activity for summer is soccer and it is a very famous sport worldwide. For this sport, buy your children a pair of reliable running shoes and a good soccer ball. This sport can be done as a group in a soccer field or it can be played solo at one’s backyard.

Summer is a much-awaited season of kids because school is out and they have all the time to play. Make summer beneficial to your children by encouraging them to get into sport. Ensure that you get them the right sport accessories for their safety and enjoyment.

Gross Domestic Product Not A Good Measure Of Economic Health

The percentage of growth in GDP is used, at times, to measure health of the economy. The United States GDP estimate has been downgraded recently to just a couple percentage points. News reports often cite the Gross Domestic Product to explain the health of the economy. Economic progress, however, is far too complicated for one number to measure. The GDP is simply outdated. Article source – Why GDP is not the best measure of economic growth by MoneyBlogNewz.
What you need to know about the Gross Domestic Product
The entire value of goods and services in a country is represented by the GDP. GDP began as a measurement of the standard of living in various countries, however it is used in several other ways. Finding the GDP takes a special formula. It calls for adding up government spending, exports, gross investment and private consumption. Congress was given a report of Gross Domestic Product in 1934 for the first time. Simon Kuznets put it together. Decisions were made by the Federal Reserve on this. That is what the GDP was good for.
The information measured by the GDP
The limitations of the Gross Domestic Product have been clear for a long time. The “real” Gross Domestic Product is released by the Bureau for Economic Analysis that adjusts the number. Without that adjustment, the GDP would always appear to be growing with the rate of inflation. The Consumer Price Index, which is a way of measuring the inflation or deflation of the cost of most household goods, also has no impact on the Gross Domestic Product. Even though the American has less income if households go up by 400 percent, the GDP will go up.
Comparing GDP with credit card
Since negative numbers aren’t taken into account, the Gross Domestic Product has the biggest problem with that. To translate the Gross Domestic Product in terms of a household budget, it would be as if you calculated the health of your household finances based on how much money you spent — both in cash and on your credit cards. There are several things left out. There is the possibility a mortgage payment won’t be made, the spending budget could be damaged and eventually the cards have to be paid. Measuring the economic growth of the United States — or any country — based solely on Gross Domestic Product is too simplistic to be accurate.
Citations
The Money Alert
themoneyalert.com/GDP.html
Blogging Stocks
bloggingstocks.com/2010/09/10/economists-lower-2011-u-s-gdp-growth-forecasts-to-2-5/
Investopedia
investopedia.com/study-guide/cfa-exam/level-1/macroeconomics/cfa3.asp

Housing for single mothers

Sometimes It is hard to find housing for single mothers. The housing should be affordable. Most bigger towns often do not have affordable housing. A single mother looking for housing must also take into account commuting distance to her job. If the housing found makes the commute too far to be feasible, or increases the cost of the commute by an unreasonable amount, then, no matter what the rent, the housing really cannot be said to be affordable. Housing for single mothers must also be close to daycare.

HUD and local Housing Authorities can help with housing for single mothers. Unfortunately, there are waiting lists for public housing and the lists are often closed when they get so long that there is no chance of filling them within a reasonable amount of time. Depending on the mothers income, it may well be worth getting on a waiting list for public housing. The average cost of public housing is 30% of the mothers income. This equates to less than $500 per month for a single mother making $10.00 per hour. However, with a set fee like this, if the mothers income goes up, her rent will also go up. A single mother making $15.00 per hour would pay $720 per month for the same apartment that costs less than $500 a month for a woman making $10.00 per hour.

Many single mothers looking for housing try to find a place near their family, so that they can have their familys support. In order to afford housing near their families, they will often rent one-bedroom, or studio apartments, instead of the two or three bedroom apartments that the family needs.

Housing for single mothers is not just a question of a roof over the familys head. The family needs furniture and laundry facilities, phone service and utilities. If the family qualifies for public housing for single mothers, they often qualify for assistance on their utilities bills. If the family finds non-public housing, the mother will need to put down deposits and pay connection fees for gas, electricity and, sometimes, water. Many times the single mother will have to do without telephone service.

How Sap Experts Cope With The Economic Slow Down

SAP experts are usually confident regarding the future prospects of their SAP career, since SAP jobs are among the most in demand in the IT industry. SAP is the 3rd largest software provider world-wide and number one in terms of business solutions. SAP however seems incapable of escaping the financial crisis. Henning Kagermann, CEO of the German group, believes a sudden and unexpected drop of revenue occurred during its third financial quarter of 2008. The giant blames the troubles generated by the world wide economic slow down to justify the drop of investment made by its clients.

SAP still expects growth of 13% in its sales of software and associated services (support) year on year. On the other hand it only expects 4 to 5% growth for is software sales, whereas the company had previously planned for a 20% increase of its budget. This warning concerning the financial results of the 3rd quarter has resulted in a drop of the SAP share price.

In order to cope with these poor financial results, SAP has decided to increase the price of its support contracts. According to a survey published by Ray Wang, Forrester Vice President, SAP has now cancelled the opportunity for its clients to choose between the basic support contract and the premium one.

Among 200 clients surveyed, 80% declared having minimum use of the Basic Contract. On average clients are using their support services less than 6 times a year, which to use this service they must obtain the full subscription to service support even though it is not used very often.

To overcome this cost issue, some clients subscribe to external SAP support companies. Rimini Street, a company created by the founder of Tomorrow Now, declared it was willing to offer an alternate, less expensive SAP support solution. However this one is not available yet, and will deal only with R/3 applications.

Other techniques to reduce the cost of SAP support consist of negotiating extra discounts for the price of the licences. Finally, clients dont hesitate anymore to evaluate competitors offers for CRM products, such as those offered by Siebel, Oracle or Salesforce.com.

However, SAP has become so popular that it can be found in more than 120 countries and across all sectors. It is vitally important for management decision-making, as it provides accurate and efficient data management. Moreover, SAP modules are easily compatible with other applications. The skills shortages that encounter IT companies who are advertising SAP jobs are another sign of the dynamism of the company. So whilst SAP sales are down, the severe shortage of professionals may reduce but we expect SAP professionals to still have many opportunities available for them in the market.

Personalized Jewelry For Mothers

Looking for a great present for your mother, the woman who gave birth to you, raised you, and was there for you every step of the way? What can you give her that she would love, and at the same time would remind her of you, and her grandchildren?

Give Mom personalized jewelry – personalized jewelry is a great gift for a Mother and it could be personalized with different things, such as a names, initials, birthstones and many other things. The best thing about it is that it can be personalized with Mother’s name, or names and initials of her kids and grandkids. This will make the piece of jewelry one of a kind, and your Mom will know that you picked the gift just for her.

Here are tips to help you find a perfect piece of personalized jewelry for your Mom. Here are our tips to help you find that perfect personalized jewelry:

– Personalized Rings. Personalized rings make great gifts for Mothers. You may get a personalized ring with Mom’s name on it, or Mom’s initials.

Or, make the ring really memorable, by choosing a ring personalized with birthstones. You may pick a ring personalized with family’s birthstones – Mom’s, Dad’s kids’ and grandkids’ birthstones, all in one ring. Every time Mom looks at the ring, she will think about her family – this personalized ring will be a very special gift, she will always treasure.

– Personalized Necklaces and Pendants. Usually personalized necklaces is something that the younger crowd wears. A necklace, personalized with the person’s first name has been a hot item a few years ago. However, these necklaces are good gifts for Moms too.

There are necklaces that say Mom or Grandma, which will also make a great gift for Mom. Or, you can have a personalized pendant made for Mom, the pendant would be personalized with Mom’s birthstone and the birthstones of her children and grandchildren. How cool is that?

– Personalized Bracelets are also very popular gifts for Mothers, and there are many to choose from. Some bracelets are personalized with Mom’s name. Others may be personalized with Mother’s and childrens names. Yet, others may have her birthstone or a combination of her and childrens’ birthstones on it, making it one of a kind bracelet just for her.

Next time when you are looking for a gift for Mom, get her a personalized piece of jewelry. You will be glad you did – she will love it!