somme muster: July 2012

Thursday, July 19, 2012

How To Make Sure Your Health Insurance Works For You | ADEM 06

July 18, 2012 at 4:07 am | Uncategorized
- Posted by admin |

Health insurance is too valuable to do without. Locating a plan that accommodates your specific needs can feel overwhelming. Use the information provided here to find the insurance plan that is best for you.

Be certain that your current doctor is in the network of the HMO you are considering. You can avoid switching doctors if you choose a network your current doctor belongs to.

Do you have questions regarding your current health insurance policy? The answer can be achieved through a simple phone call! Just about every carrier has a number that connects you with a service representative. Customer service representatives could give you specific information that could save you aggravation and money.

When a health insurance company calls you as part of the application process, never volunteer information. Just give them answers to the specific questions they ask you. Any extraneous information you throw into the conversation will get recorded by them, and could come back to haunt you later in the form of higher premiums or even total denial of coverage.

Make sure the doctors and medical facilities you routinely use recognize the insurance you are considering before you sign up with the plan. The insurance company you are considering will usually post a list of providers in your area who are on their approved list, but it still wouldn?t hurt to call for a confirmation or update.

Know what the laws and regulations are for you state in regards to having private health insurance. In the majority of states, you can find this information online. When shopping for health insurance, it is important to know exactly what the rules in your state are.

There are few, if any, types of insurance that are more essential for a person to have than health insurance. Try to avoid becoming overwhelmed by all of the jargon, various coverage fine print, confusing deductibles, and all of the available nuances of different plans. You can apply this article?s advice to help you find the best insurance for your needs.

We hope you found these tips useful. You might find these sites on the following issues interesting as well. For examples, How about scars and scar removal treatment related issues, like Best Scar Treatment or what about gout and gout treatment related issues, like Gout Pain Relief. We wish you health and happiness!

Source: http://www.adem06.com/uncategorized/how-to-make-sure-your-health-insurance-works-for-you/

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Wednesday, July 18, 2012

US regulators to decide on new weight loss drug

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Source: http://news.yahoo.com/us-regulators-decide-weight-loss-drug-160715828.html

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Mexico Parks and Recreation Department

Eighteen pitchers made up the field Thursday for the Mexico Parks and Recreation Department's weekly horseshoe league.
Partners were drawn for the A and B mixed doubles event. Joining the action for the first time were Larry Macfee and Wesley Herron. Zach Ward and Macfee took top honors with a 7-0 record. Results are listed below.
The league meets every Thursday at 6 p.m. at Fairgrounds Park and new pitchers are always welcome. A tournament is slated for 1 p.m. Saturday; entry fee is $10.
July 12 results: Zach Ward-Larry Macfee 7-0, Rachel Bohrer-Josh Hendrix 6-1, Trevor Ward-Rodney Brewster 5-2, Kenny Ward-Charlie Maupin 4-3 (53LP), Jim Koons-Bo Oligschlaeger 4-3 (33LP), John Isgrig-Dean Ward 3-4, Bill Hendrix-Wesley Herron 2-5 (78LP), Charlie Ward-Dylan Ward 2-5 (75LP), Les Johnson-Ralph Throckmorton 2-5 (72LP).
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Source: http://www.mexicoledger.com/sports/x329771048/Mexico-Parks-and-Recreation-Department

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UN Council postpones Syria sanctions vote

Source: http://news.yahoo.com/un-council-postpones-syria-sanctions-vote-164602685.html

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Tuesday, July 17, 2012

Citizens insurance slammed for rate hikes, coverage changes ...

By Julie Patel and Doreen Hemlock

Lawmakers, policyholders and others criticized Citizens Property Insurance for raising premiums and lowering coverage limits, among other things, at a meeting in Miami Monday.

They said moves proposed by Citizens, the state's largest property insurer with 1.4 million policies, could hurt the whole state and its housing market.

For instance, Citizens' board will consider a proposal next week to increase premiums for new policyholders by more than the 10 percent annual cap currently in place. Citizens board member John Rollins said Monday that he still supports the idea, despite criticism of it by some legislators and policyholders: "I think we should do the option to allow different new business rates than renewal rates."

Citizens President Barry Gilway said it's going to be "a significant balancing act" to follow the overall direction state leaders have provided and minimize the impact on policyholders and all Floridians.

Several lawmakers at the hearing criticized the proposal. Florida House Majority Leader Carlos Lopez-Cantera, R-Miami, said it's "outside the scope and power granted to it by the Legislature." State law says Citizens should increase rates that do "not exceed 10 percent for any single policy issued by the corporation" excluding sinkhole coverage and increases related to coverage changes or surcharges.

Citizens reported the capped average increase for homeowners policies statewide would be less than 8 percent, with some policyholders seeing increases of up to 10 percent. That would generate an additional $173 million in premium. The insurer reported that it actually needs an increase of 27 percent to 34 percent, if it includes "risk load," expenses that would cover unexpected problems that may arise. Without the risk load, the statewide average increase needed is 15 percent, including 51 percent for condo unit owners and 27 percent for renters.

About 50 people attended the meeting, with about 10 offering public comments.

The speakers included James Curry, a Fort Lauderdale property owner and developer. He said home insurance costs are rising so much that they're almost the same as annual property taxes: "It's crazy...You're driving ratepayers out of Florida" and hurting the state's economy.

Oscar Mormeneo, a Miami policy holder, insurance agent, realtor and public adjuster, said he sometimes makes 15 or 20 calls to try to get insurance for himself or clients before ending up at Citizens. If Citizens is reducing coverage and limiting claims, he said, "then why is the premium going up?"

After the meeting, Sean Shaw, a former Florida insurance consumer advocate whose law firm now represents homeowners, said he's hopeful Gilway "can reverse the culture at Citizens away from rate hikes at all costs...Without affordable insurance options in our state, especially for our most vulnerable policyholders, we will never see a full housing recovery."

Updated at 1:30 p.m.

Source: http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/07/_it_would_be_less.html

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Rodent robbers good for tropical trees

ScienceDaily (July 16, 2012) ? There's no honor among thieves when it comes to rodent robbers -- which turns out to be a good thing for tropical trees that depend on animals to spread their seeds.

Results of a yearlong study in Panama, published online in Proceedings of the National Academy of Sciences the week of July 16, suggest that thieving rodents helped the black palm tree survive by taking over the seed-spreading role of the mighty mastodon and other extinct elephant-like creatures that are thought to have eaten these large seeds.

"The question is how this tree managed to survive for 10,000 years if its seed dispersers are extinct," says Roland Kays, a zoologist with North Carolina State University and the North Carolina Museum of Natural Sciences. "There's always been this mystery of how does this tree survive, and now we have a possible answer for it."

The study showed that agoutis, rainforest rodents that hoard seeds like squirrels, repeatedly stole from their neighbors' underground seed caches. All that pilfering moved some black palm seeds far enough from the mother tree to create favorable conditions for germination.

"We knew that these rodents would bury the seeds but we had no idea that there would be this constant digging up of the seed, moving it and burying it, over and over again," says Kays, a member of the Smithsonian Tropical Research Institute team. "As rodents steal the same seed many, many times, it adds up to a long-distance movement of the seed that one animal by itself could have never done."

One seed was buried 36 times before an agouti dug it up and ate it. About 14 percent of the seeds survived until the following year.

The study, funded with a National Science Foundation grant, caught the furry thieves in the act via individual tags on agoutis, video surveillance of seed caches and tiny motion-activated transmitters attached to more than 400 seeds.

Applying such sophisticated animal tracking techniques to the plant world has the potential to improve scientists' understanding of forest ecology and regeneration, Kays says.

"When you think about global climate change and habitats shifting, for a forest to move into new areas, trees need to have their seeds moved into new areas. This opens up a route to study how animals can help trees adjust to climate change through seed dispersal."

Kays, a faculty member with NC State's College of Natural Resources, was part of an international team that included scientists from Ohio State University and institutions in the Netherlands, Belgium, the United Kingdom and Germany.

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The above story is reprinted from materials provided by North Carolina State University, via Newswise.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/07/120716151650.htm

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Demi Lovato Explains Why She Cut Herself

'There were times I felt so anxious, almost like I was crawling out of my skin,' she tells Self magazine.
By Jocelyn Vena

Demi Lovato on the cover of Self August 2012
Photo: Self

Source: http://www.mtv.com/news/articles/1689788/demi-lovato-cut-herself-self-magazine.jhtml

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Council of PR Firms Career Center: Marketing: Administration jobs ...

Senior Vice President, Strategy, Planning & Innovation		POSTED: Jul 16
Salary:	Open	Location:	Washington, D.C.
Employer:	AARP Services Inc.	Type:	Full Time - Experienced
Category:	Marketing: Administration	Required Education:	Masters

About AARP Services Inc.

Founded in 1999, AARP Services, Inc. (ASI) is a wholly-owned taxable subsidiary of AARP. ASI's mission is to inspire new and innovative business practices, guide consumers to make informed choices, and deliver products and services that better fulfill life-stage needs.

View all our jobs

Position Summary

Serves as the key executive responsible for developing strategy on behalf of AARP Services, Inc. (ASI) in support of multiple lines of business and AARP?s overall organizational goals.?? Leads the direction for overall business strategies, including short- and long-term strategic and operational plans consistent with brand value promise and growth opportunities.? Leads research, strategic and operational planning, and innovation.? .Assesses current performance, consumer, market, and environmental trends to generate insights to drive the strategic and innovation agenda. Works with business lines to develop a strategy for member-centric integrated solutions, identifying new opportunities for products and services and enabling tools, and decision guidance.? Key lines of business include Health, Financial, Travel, Technology, Dining, Retail and Entertainment.? Integrates strategic plan across ASI?s functional organizations including Marketing, Distribution, Operations and Consulting Services. ?Supports relevant business unit owners to build and manage executive-level relationships with major partner/provider organization leaders and to facilitate strategic dialogues.?

Responsible for leading and enhancing ?organizational competency in research, strategy, and innovation.? Manages VP Strategy and Planning and team of Strategy and Planning Directors that represent ASI on AARP?s portfolio teams. Member of ASI Leadership Team

Requirements

15+ years of experience in strategy and product development in both established as well as new and emerging marketplaces.?

Health industry experience highly desired. ?Experience in Financial or Travel industries also valued.

Depth of understanding of strategic planning, product development, research, digital strategy, marketing, and consulting services.? B2B experience managing outside partnerships a plus

Demonstrated ability to understand and respond to the needs of target audiences and segments.? Ability to analyze complex and interrelated business and consumer models across a range of industries.?

Action orientation and a decisive, quick study with proven ability to accurately analyze information, identify key trends, and recommend strategies to drive results into the future.

Excellent oral/written presentation skills and proficiency in preparation and presentation of proposals, strategies, analytical reports, and performance assessments.?

Proven ability to work well in a highly matrixed organization is critical.? Ability to work effectively with people to lead through influence and build consensus with superiors, peers, and subordinates.

Substantial management and leadership experience. Ideally, experience on a cross functional leadership team.? Leadership style that motivates others to follow, leads by examples, and obtains results through others.

AARP Services Inc.

Washington DC

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Source: http://careercenter.prfirms.org/jobs/4845166/senior-vice-president-strategy-planning-innovation

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San Diego Comic-Con Winners And Losers

From Marvel Studios to what went on in Hall H, MTV News breaks down the highs and lows of this year's event.
By Kevin P. Sullivan

Comic-Con logo 2012
Photo: Comic-Con International

Source: http://www.mtv.com/news/articles/1689682/comic-con-2012-recap.jhtml

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