Buing Health Insurance? Read This Article First | Hostel 333

One obvious way to save money on health insurance is to dial your deductible up or down to meet your needs. For example, if you are healthy and have no dependents, you may prefer a high-deductible plan with lower premiums. Families and/or people who need more regular health care may prefer a lower-deductible plan since their annual health care costs will be higher.

When talking to your health insurer after applying for coverage, make sure that what you?re telling the person on the phone is 100% accurate. DO NOT leave anything out, or fudge a number, or exaggerate. Just like your application, total honesty is required in a follow-up call and if they find anything that you said was untrue, you WILL lose your coverage.

Consult with an eligible broker of medical insurance that is independent from the major insurance companies. This broker will have the information that you will have to search for and it is quite helpful to get their assistance when looking for a new health insurance policy for you and your family.

The cost of your health insurance plan greatly varies by state. Some states such as New York, offer some of the most expensive health plans in the country. States such as New York charge a higher rate because by law they are required to insure everyone regardless of their health.

Take out insurance to protect yourself against financial ruin. Health insurance should be one of the highest financial priorities on your list. Health problems are always a possibility, and if health concerns arise, the cost of hospital bills alone could easily bankrupt someone who does not have health insurance.

Check over your policy carefully before re-enrolling. The health insurance company that you have your policy through may have made changes over the last year and when you re-enroll these changes will take effect. Make sure you know what those changes are before paying your premium and re-enrolling.You may find that you do not like the changes and want to change providers.

If you are changing health insurance policies, you will need to consider your current doctor. If you have had this doctor for a long time, you may feel reluctant to lose him because your insurance does not work with him. If you will have a difficult time changing, consider your choices in advance.

When it comes to health insurance make sure you are not overpaying for drugs. When your doctor prescribes you medication make sure to ask if a generic is available on the market. If there isn?t ask him if there is another drug on the market that will have a comparable therapeutic effect at a fraction of the cost.

When considering a health care insurance plan from your employer, be sure to not forget about possible favored doctors and if they will be included in your plan. This is especially important to consider with an OB/GYN, dentist, or long time family doctor. Sometimes it may be more important to pay more for a different plan than to abandon your favorite doctor.

When shopping for health insurance, try one of the many websites that offer rates from several providers at the same time. Enter your information for the type of policy you want and find the rates for different companies offering the coverage you want. This can save not only time, but money too.

If you are in your twenties, you can save up money on health insurance by staying on your parents? plan. Legislation is different from one state to another. Do some research about staying on your parents? plan. Perhaps you can share this expense with them, to save money for the whole family.

Get copies of your medical records so that you can better check to see what is in them. You are going to want to learn if there are any medical conditions in it that might be red flagged by the insurance company. This may cost you a bit of money but it will be worth every cent in the end.

If you are covered under your parents health insurance plan, make sure to opt out of the student plans that are offered by your college. There is no sense in paying for multiple insurance coverages that you aren?t going to use. Find out your schools policy for waiving their insurance programs.

Always be on the lookout for new discounts. For example, many insurance companies will offer you a discount next year, if you don?t use your entire deductible this year. Some companies will send you gift cards or coupons for healthy items, such as food or a gym membership, in order to help you to stay healthy, which will prevent you from filing claims.

Read your health insurance policy carefully before you go out and buy glasses or get your teeth fixed. Most healthcare insurers offer dental as a separate policy, and many do not offer vision insurance at all. Better to know up front whether your vision care is covered than to be greeted with a bill from the eye doctor and not be able to pay it.

As stated at the beginning, there is quite a bit of information in regards to health insurance. Hopefully you will find these tips beneficial. You should now find yourself ahead of the game if you are working to become an expert, or just trying to get a bit of background information.

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26:1 ? Winter/Spring 2002 - Fletcher Forum of World Affairs

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Leaders Without Enemies
Giandomenico Picco
The terrorist groups responsible for the September 11 attacks are not so unlike leaders facing the end of the Cold War: they could not exist without an enemy, says the UN director in charge of the Dialogue among Civilizations.

The Child?s Soldier:?An Interview with UNICEF?s Executive Director
Carol Bellamy
The UNICEF executive director has gained a reputation as an untiring and vocal advocate for the world?s children. Now she weighs in on her agency?s work in Afghanistan, the U.S. relationship to the UN and a range of other topics.

Bombing bin Laden: Assessing the Effectiveness of Air Strikes as a Counter-Terrorism Strategy
Michele Malvesti
An evaluation of the United States? three previous counter-terrorist military air strikes reveals a blunt, ineffective instrument that creates a cycle of vengeance with minimal gains.

Durban Debacle: An Insider?s View of the UN World Conference Against Racism
Tom Lantos
The United States should remember the lessons of the UN?s World Conference on Racism as it prosecutes the war on terrorism, says Congressman Tom Lantos, a member of the U.S. delegation at the conference.

The United States and Turkey: A Model of Sustained Engagement
W. Robert Pearson
The United States could have no better ally than Turkey in its war on terrorism, writes the U.S. Ambassador to Turkey. Facing a range of economic and political challenges, Turkey now needs the United States? sustained engagement.

The United States and China in the Persian Gulf: Challenges and Opportunities
Toshi Yoshihara and Richard Sokolski
China?s growing interest in the Persian Gulf could put it on a collision course with the United States. The two countries can avoid conflict, however, if they take advantage of their many common interests in the region.

Applying the Geneva Conventions:Military Commissions, Armed Conflict, and Al-Qaeda
Alfred P. Rubin
President George W. Bush?s executive order allowing the establishment of military commissions to try foreigners for acts of terrorism has come under severe criticism. What many have failed to realize is that a simpler solution to the problem exists.

The Peacemaker: An Interview with the UN Under-Secretary-General
Alvaro de Soto
As under-secretary-general at the United Nations, Alvaro de Soto has seen conflict in a way that few others ever will. A top UN mediator presents his view of the world.

Building Mediative Capacity in Deep-Rooted Conflict
John Paul Lederach
The nature, purpose, and process of mediation must be reconsidered, writes Lederach, a leading theorist on mediation. Transforming relationships defined by cycles of violent conflict requires the careful nurturing of a ?mediative capacity? across society.

Shared Public Space and Peacemaking: New Visions of Place in Israel and Palestine
Marc Gopin
Sacred space is one of the most powerful religious phenomena in the world. The success of any peace process in the Israeli-Palestinian conflict will hinge on the parties? ability to share it.

A New Deal on Disarmament: The Case for American Leadership in Combating Nuclear Proliferation
Stansfield Turner
President Jimmy Carter?s CIA director argues that until the world can find some way to bring about total nuclear disarmament, a new regime for managing the world?s nuclear weapons stocks represents the best compromise available.

Sound Vision, Unfinished Business: the Quadrennial Defense Review 2001 and the Bush Defense Strategy
Hans Binnendijk and Richard Kugler
Will the Bush administration?s defense strategy help America meet its challenges in the post-September 11 era? A review of The Quadrennial Defense Review Report 2001.

Lessons from the Internet Revolution: Where Emerging Markets Go from Here
Heather Killen
While technology firms in emerging markets may be suffering now, the long term poses huge opportunities, particularly for countries that are willing to establish the right kind of business environment. The former Yahoo! vice-president charts the way ahead.

Wind Power: Learning from Denmark
Svend Auken
Clear policy goals and government support have helped turn Denmark into the world leader in the use of wind power, writes the former Danish Minister for Environment.

?The Man Who Overthrew Milosevic:? Vojislav Kostunica, One Year Later
Audrey Budding
Is the successor to Slobodan Milosevic in Yugoslavia a transitional figure, like the Soviet Union?s Mikhail Gorbachev? The evidence says he is not: President Voislav Kostunica will remain an important bridge between traditionalists and reformers in the country for a long time to come.

Book Reviews
Terrorism and U.S. Foreign Policy
by Paul Pillar

Global Governance and the New Wars:?The Merging of Development and Security
by Mark Duffield

The United States and Pakistan 1947-2000: Disenchanted Allies
by Ambassador Dennis Kux

Source: http://www.fletcherforum.org/2012/07/20/26-1/?utm_source=rss&utm_medium=rss&utm_campaign=26-1

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Uncertainty surrounds Desire HD ICS update as HTC issues revised statement

It seems there’s a little more confusion than there should be surrounding the Android 4.0 Ice Cream Sandwich update (or lack thereof) for the HTC Desire HD. Last week Canadian carrier TELUS released an update roadmap stating that HTC had cancelled the update. Then a few days back, we reached out to HTC and received a statement indicating that updates for the Desire HD, and similarly-spec’d Desire S, were still on the table.

Since then we’ve been in touch with TELUS, which insists that it’s been informed that the update had been suspended, and that it was an HTC decision unrelated to TELUS’s network, testing or software. TELUS said that if HTC was to go ahead with the ICS update after all, it'd gladly test it and put it out for its customers. And after seeking further clarification from HTC, we were given a revised statement indicating that it’s still examining the Desire HD’s ability to run ICS --

"HTC is committed to providing the best customer experience on our devices and are currently determining the ability to support Ice Cream Sandwich on the HTC Desire HD.  We'll provide more information when we've completed our analysis."

So it looks like the future of ICS on the Desire HD is currently hanging in the balance, and that HTC is in the process of working out if it can support Android 4.0 without compromising the user experience. This could also be worrying news for owners of the Desire S and Thunderbolt, which sport almost identical internals, and which are also due to receive an ICS upgrade.

Whatever happens, we’ll keep you posted with any further developments on HTC ICS updates.

Source: http://feedproxy.google.com/~r/androidcentral/~3/sHlLhNjc9qQ/story01.htm

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Spoonflower Lets You Design And Sell Your Own Custom Fabric

Our trip to the Southeast a couple weeks back offered up plenty of cool tech companies, but one that lingers in the memory is Spoonflower. And not because the name is so... catchy, either. The idea itself is actually quite interesting: Spoonflower lets the everyday Joe design their own fabric and have it printed to use for curtains, clothing, etc.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/AUKiSXVuPUM/

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Siri or Google Voice. Experts Battle. Tears Shed.

In a recent article on Search Engine Land, self-appointed experts squabble over the capabilities and accuracy of Siri versus Google Voice.

The study mentioned in the article, ?Piper Jaffray ?Street Test? of Google vs. Siri Misses the Point,? was completed by Piper Jaffray and gave Google a ?B+? and Siri a mere ?D.? However, the author of the SEL article argues that the comparison is ?apples to oranges? because Siri is not a search engine and should not be judged as such. The article goes on to explain:

?Siri?s mission isn?t to ?organize all the world?s information.? Rather Siri has a much more narrow range of functions as an ?intelligent assistant.? True, one of those functions is to deliver information in certain circumstances. But nobody involved with Siri would likely argue that it?s a substitute for Google in all but a handful of situations.

That?s mainly because Siri has a quite limited range of datasets that it?s working with, which are admittedly being expanded in iOS 6.?

The arguments continue throughout the article about the fundamental errors of the study and the true capabilities purposes of the two programs.

Yikes. We thought the point of these programs was simply churning shares and getting coverage. What?s with this accuracy stuff? How quickly folks forget the Madoffs and the JP Morgan misstep.

Andrea Hayden, July 19, 2012

Sponsored by IKANOW

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Source: http://arnoldit.com/wordpress/2012/07/19/don-siri-or-google-voice-experts-battle-tears-shed/

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Rebel bombing strikes heart of Syrian regime

BEIRUT (AP) ? A bomb ripped through a high-level security meeting Wednesday in Damascus, killing three top regime officials ? including President Bashar Assad's brother-in-law ? in the harshest blow to Syria's ruling family dynasty and the rebels' boldest attack in the country's civil war.

Syrian state-run TV said the blast came during a meeting of Cabinet ministers and senior security officials in the capital, where fighting between rebels and government troops has raged for four straight days.

The assassinations could signal a turning point in the civil war following some of the worst bloodshed that Damascus has seen in the 16-month uprising, the growing list of high-ranking defections from the regime and the increasing frustration by world leaders over their inability to find a diplomatic solution.

U.S. Defense Secretary Leon Panetta said the bombing showed that the bloodshed in Syria was "rapidly spinning out of control," and it was time for the international community to bring "maximum pressure" on Assad to step down and permit a stable transfer of power. The Obama administration also slapped new financial sanctions on Assad's government.

It was not immediately clear where Assad was. He gave no immediate statements on the attacks.

The Assad family has ruled Syria for four decades, creating an ironclad and impenetrable regime. Wednesday's attack was an unheard-of strike on the inner circle.

Syria's rebel commander, Riad al-Asaad, claimed responsibility, saying his rebel forces planted a bomb in the room and detonated it. All those involved in carrying out the attack are safe, he said.

State-run TV initially said it was a suicide blast but later referred to the attack as a bomb.

"God willing, this is the beginning of the end of the regime," al-Asaad told The Associated Press in a telephone interview from his base in neighboring Turkey.

"Hopefully Bashar will be next," he added.

Syrian TV confirmed the deaths of Defense Minister Dawoud Rajha, 65, a former army general and the most senior government official to be killed in the rebels' battle to oust Assad; Gen. Assef Shawkat, the deputy defense minister who is married to Assad's elder sister, Bushra, and is one of the most feared figures in the inner circle; and Hassan Turkmani, a former defense minister who died of wounds suffered in the attack.

Also wounded were Interior Minister Mohammed Shaar and Maj. Gen. Hisham Ikhtiar, who heads the National Security Department. State TV said both were in stable condition.

Although there were no statements from Assad, Syrian TV said in the hours after the attack that a decree from him named Gen. Fahd Jassem al-Freij as the new defense minister. Al-Freij used to be the army chief of staff.

A member of the Syrian National Council opposition group, Omar Shawaf, said the assassinations sent a clear message to the regime that no one is safe ? including Assad himself.

"The hands of the Syrian people and the Free Syrian Army can reach anyone inside Damascus," he said from Turkey, where he is based.

Republican Guard troops surrounded the nearby al-Shami Hospital, where some officials were treated, witnesses said.

The state-run news agency SANA reported that the bombing was aimed at the National Security building, a headquarters for one of Syria's intelligence branches and less than 500 meters (yards) from the U.S. Embassy. The embassy has been closed since Washington withdrew its ambassador months ago.

Police had cordoned off the area, and journalists were not allowed to approach the site.

Earlier, SANA said soldiers were chasing rebels in the Midan neighborhood, causing "great losses among them." In addition to Midan, activists reported heavy clashes in the districts of Qadam, Nahr Aisha, Kfarsouseh, Tadamon and Hajar al-Aswad and said army helicopters were used in several locations.

Eager to show the government is still in control of Damascus, the Interior Ministry took journalists on a tour of its quiet neighborhoods. But even there, traffic on the streets was thin and almost all shops were closed.

Damascus-based activist Omar al-Dimashki said large numbers of troops and plainclothes police were deployed in the streets after the morning bombing, with snipers taking up positions on tall buildings.

"People are rushing home," he said.

More than 80 percent of shops in the capital were closed, he said.

"It's so empty, it reminds me of when Hafez Assad died in 2000," said a resident of Damascus, who declined to be identified for fear of retribution. "Everyone is really scared of the coming days, especially tonight, with the possibility that the regime will take revenge."

The attack came two days before the start of the Muslim holy month of Ramadan, when observant Muslims abstain from eating, drinking and sex from dawn to dusk. Last year, anti-government protests sharply increased during Ramadan.

The last major attacks on regime figures and government buildings date back to the early 1980s, when members of the Syrian Muslim Brotherhood were waging a guerrilla war to topple the regime of Assad's father and predecessor, President Hafez Assad.

Hafez Assad himself survived an assassination attempt in 1980 when members of the Muslim Brotherhood threw grenades at him, wounding him in the leg.

The violence in Syria has spiked in recent months. Besides a government crackdown, rebel fighters are launching increasingly deadly attacks on regime targets, and several big suicide attacks this year suggest that al-Qaida or other extremists are joining the fight.

Activists say more than 17,000 people have died since the uprising began in March 2011.

The Syrian army said in a statement that its forces will continue to fight.

"Whoever thinks that by targeting the country's leaders they will be able to twist Syria's arm is disillusioned because Syria's people, army and leadership are now more determined than ever to fight terrorism ... and cleanse the nation from the armed gangs," it said.

Rajha was the most senior Christian government official in Syria, appointed to the post by Assad last year. His death will resonate with Syria's minority Christians, who make up about 10 percent of Syria's population and have mostly stood by the regime.

Christians say they are particularly vulnerable to the violence sweeping the country of 22 million people, and they are fearful that Syria will become another Iraq, with Christians caught in the crossfire between rival Muslim groups.

At the United Nations, the Security Council delayed a vote scheduled for later in the day on a new resolution on Syria in a last-minute effort to get Western nations and Russia to reach agreement on measures to end the violence.

The key stumbling block to an agreement is the Western demand for a resolution threatening non-military sanctions. It is tied to Chapter 7 of the U.N. Charter, which could eventually allow the use of force to end the conflict. Russia, a close ally of Syria, is adamantly opposed to sanctions and any mention of Chapter 7.

Although Western nations appear to have little appetite for force, Russia fears a repeat of the NATO campaign in Libya and adamantly opposes any intervention.

Reacting to the bombing, Russian Foreign Minister Sergey Lavrov accused the West of inciting Syria's opposition.

"Instead of calming the opposition down, some of our partners are inciting it to go on," he was quoted as saying by the RIA Novosti news agency on Wednesday.

Supporting the opposition "is a dead-end policy, because Assad is not leaving voluntarily," he said.

Israeli Defense Minister Ehud Barak summoned his top security and intelligence advisers to discuss the situation in Syria. Israel fears that militant groups said to be operating in Syria, including al-Qaida, might try to take advantage of any power vacuum to stage attacks on Israel. On Tuesday, Israel's military intelligence chief said Assad had diverted his troops away from the Israeli border area toward the center of the country, reflecting Assad's worsening position. He said jihadist groups have moved into the border area and might try to exploit the situation.

The new financial sanctions imposed by the U.S. targets a huge swath of top members of Assad's government, including the prime minister and 28 other Cabinet ministers and senior officials. The move freezes any assets they may have in U.S. jurisdictions and bars Americans from doing business with them. The administration had already imposed similar penalties on security officials, but the latest step extends those sanctions to virtually the entire government.

"Today's actions reflect the unwavering commitment of the United States to pressure the Assad regime to end the carnage and relinquish power," said David S. Cohen, the undersecretary for terrorism and financial intelligence at the Treasury Department. "As long as Assad stays in power, the bloodshed and instability in Syria will only mount."

As news of the assassinations broke, Syrians opposed to Assad's regime celebrated in several locations across the country. Internet video showed people in convoys of cars and motorbikes honking their horns and firing weapons in the air in Saraqeb and other towns in the northern Idlib province. The AP could not immediately verify the authenticity of the video.

Residents of Hass distributed sweets as they gleefully shouted: "You are going to hell, shabihas" ? a reference to the pro-regime militia that has been blamed for mass killings.

In a dust-filled refugee processing center in Jordan, tens of refugees gathered to celebrate. Women, wearing the black Muslim veil and head-to-toe robes, ululated as men danced under a scorching sun.

"It's great news," said a 43-year-old refugee from the restive southern town of Daraa, who identified himself only by his first name, Ahmad, for fear of retribution. "God willing, the criminal Bashar is next."

___

AP writers Zeina Karam in Beirut, Albert Aji in Damascus, Syria, National Security Writer Robert Burns in Washington, Edith M. Lederer at the United Nations, Josef Federman in Jerusalem and Mansur Mirovalev in Moscow contributed to this report.

Source: http://news.yahoo.com/rebel-bombing-strikes-heart-syrian-regime-131801990.html

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