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Friday, October 30, 2009

Medical Insurance and the Uninsured

By Hubert Miles

Everyone in the world needs health insurance, but unfortunately not everyone does. With health care costs rising at a rapid pace from doctors, hospitals, and urgent care centers, it can be financially devastating for anyone to be without medical insurance.

According to government research estimates show that over 40 million people in the United States are not insured by any type of medical insurance either through work or an individual health insurance plan. That's a tremendous amount of people who are taking a huge financial gamble. These people are one accident or sickness away from potential financial ruin.

Most Americans have their health insurance through their employers. There is a growing number of Americans who are forced to decline the medical insurance offered to them through work because their part of the premium is more than they can afford to pay.

The unemployed, self-employed, and part time workers simply do not earn enough money to afford a good health insurance plan. Many despite working or drawing unemployment can afford private health insurance or COBRA or can't get coverage due to pre-existing conditions. It is estimated that nearly 15% of the United States population currently is without medical insurance of any kind.

It is too early to determine what the long term results may be of this trend in uninsured Americans. Seeing that young children are not getting regular health care, there may be lasting effects both medically and in how health care is viewed when these children become adults.

Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.

Closing Comments

The 80 million uninsured Americans have options for acquiring health insurance, many just don't know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don't require employer participation to get. - 23211

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Total Knee Replacement & You

By Dr. Stefan Tarlow

Have you tried everything to get some relief from your knee pain? If you are no stranger to braces, canes, cortisone injections, and other methods of dealing with knee pain, yet you still have knee pain, you may want to consider total knee replacement. This successful, time-tested method of eliminating knee pain and returning mobility may be exactly what you need.

When you are having problems with stair climbing, walking, standing up, sitting down, and even resting comfortably, you know the time has come to make some real decisions regarding the relief of your knee pain.

Total knee replacement surgery is one of the most popular surgeries in the world for good reason. This technique has been around since 1968. It was a boon for orthopedic surgery when it first came into use, and it has only improved in every way since that time. With modern techniques and top-of-the-line materials, over 581,000 patients a year are able to find relief from knee pain in the U.S.

Have you spoken with your orthopedic surgeon about knee replacement yet, or are you just starting to think about it? Either way, you are sure to find useful information in this article.

Click here for more on total knee surgery.

How Is The Knee Put Together?

Made up of three main components, the knees are the largest joint in the body. The main components of the knee are three bones, the thigh bone (femur) the shin bone (tibia) and the knee cap (patella). In addition to being the largest joint, the knee is also the easiest joint to injure.

Four ligaments attach the femur and tibia and support and stabilize the knee. They are the anterior and posterior cruciate ligaments and the medial and lateral collateral ligaments.

The muscles of the thigh also play a strong part in the strength and stability of the knee. Strong thigh muscles mean strong knees.

Articular cartilage forms a pad between the bones of the knee. This pad keeps the bones separated and allows them to move without grinding against each other. With this smooth cushioning your knee can move smoothly and easily. Additionally, the knee comes equipped with natural shock absorbers called the lateral menisci. These are semicircular, fibrous cartilage rings that add stability to the overall structure.

Over all of this structure lies the synovial membrane. This is a smooth, thin tissue that lines the interior surfaces of healthy knees. It produces a lubricant that keeps everything running smoothly and painlessly in healthy knees.

The parts of the knee should work together to provide decades of trouble free service. Unfortunately, the knees are delicately balanced. If anything happens to throw that balance off - an injury or illness for example - the result can be loss of function, muscle weakness, and pain.

The usual candidate for total knee replacement surgery is between the ages of sixty and eighty; however, this is not always the case. Many very young patients and many very old patients have also had successful knee replacement surgery for everything from juvenile arthritis to degenerative arthritis to injury. When your orthopedic surgeon evaluates your case, he or she will look more at your pain and your loss of mobility than at your age. - 23211

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Affordable Health Insurance - Coverage Without The Cost

By Marcus Sharp

The cost of descent health care has been gradually rising for quite some time now. These higher costs have left many people unable to afford any coverage, but even though they may be expensive it can also be just as expensive to do without it any affordable health insurance.

If you or a family member gets hurt or becomes ill it can potentially ruin you financially for a very long time. In some cases, bankruptcy is a persons only options for recovering from something like this. This is why it is more important then ever to find affordable health insurance.

If you are among the lucky few that work for a company that offers pretty good health benefits then you have no worries. On the other hand, for all those people out there that are self employed or work for smaller business, finding good coverage can be quite difficult. Your best option will always be to get out there and comparison shop.

When you take the time to compare the coverage and prices that various insurance companies can offer you should be able to effectively find a policy that suits your needs and fits your budget. It may sound like a difficult task to complete but it really shouldn't be.

To compare policies and prices you shouldn't ever have to look up a bunch of numbers or spend countless hours on the phone to get the information you want. There are simple ways to compare these companies at the same time now.

There is a variety of websites to be found that all offer valuable information about several health coverage providers. By using these types of websites it becomes very simple to research and compare these companies, a task that used to take days. By comparing before you buy using this method it is the fastest way to health coverage for your family. - 23211

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How To Lower Your Car Insurance Quote

By Richard Roundtree

If you have even a passing interest in the topic of car insurance for 17 year olds, then you should take a look at the following information. This enlightening article presents some of the latest news on the subject of car insurance for young drivers and teenagers.

Information is power nowadays. The more you know about insurance - the higher are your chances to get the best deal. Information about the destination country is however integral in staying safe when driving in a foreign country. As such, one should acquire a copy of the driving laws in the destination country and read them before taking to the wheel. Prices can vary by hundreds of dollars, so it is worth the small effort it takes to do a little internet surfing. Prices are initially considered very competitive by customers. How competitive a quote is will depend heavily on the car being insured and the claims history of the customer.

Sports cars, convertibles, and other high risk vehicle types will mandate a higher price on your insurance than a family car would. The companies also maintain a list of the cars that ideal for insuring. Sports cars have such high rating on these vehicles, young drivers can't even come close to owning a sports car unless they are prepared to pay the high cost premiums that come with them. Some just wait until they're 60 or 70 before buying their dream sports car.

I trust that what you've read on car insurance for 17 year olds so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

Perhaps the profit in California will now entice more insurers to jump-start their pilot programs for usage-based car insurance. California's new regulations open a floodgate of potential pay-as-you-drive customers. Perhaps it's not a big issue as they can afford to lose sales to cashback or are paid in different ways? Perhaps it's not something they're aware of yet?

Accidents cannot always be your fault. However, one of the factors which an insurance company will look will be a good driving history. Accidents happen a lot, particularly in cities with a high amount of traffic; often, if people don't know all the rules of that particular city, or are visiting, they can get in trouble. It doesn't help matters that many are tourists who aren't used to driving there and don't know the roads.

Generally, most companies will give the possibility of paying out of date, but this has its price. Your bill could increase a few euros each time you pay off the term. Generally, if you have a loan, such as for a house or car, your lender requires you to have the proper amount of insurance to cover their interests. They don't want you to just default on the loan if something happens to it.

Knowing enough about car insurance for 17 year olds to make solid, informed choices cuts down on the fear factor. If you apply what you've just learned about car insurance for teenagers, you should have nothing to worry about. - 23211

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One Way To Choose A Forex Signal Provider - Let's Examine Draw Downs

By Tom K Kearns

To begin, let us define the term Draw Down. A draw down is the total amount lost between an extreme high and an extreme low and is the very first thing a person seeking a third party signal provider should pay close attention to. The draw down amount encompasses open positions without taking into account the margin required to prevent a margin call. The burning question becomes then how much draw down is too much draw down? Like many questions asked of the trading business, the answer is - it depends. This is not a cut and dried circumstance; many factors abound in the answer to this question. A person with an account of many thousands of dollars can obviously tolerate more draw down than a person with less, but what else is entailed in the answer?

You have the draw down number. How was that number derived? If the draw down number seems intolerable to you but other factors make the trader a good bet, examine the number of positions the trader opens at a single time. Say he opens 5 trades on whatever pair at one time, right away you can cut their recorded draw down by 5. If a trader's number of open trades is limited, that alone severely reduces the entire draw down figure.

You will on occasion discover a trader with a fine track record with the exception of one large meltdown suffered when just one trade ran amok for days unnoticed. This will give a distorted picture due to the abnormal draw down and doesn't mean much in relation to the trader's true ability. You may have stumbled on the type who can't tell when or if a trade has a shot at coming back to an even status. Or, the poor chap could possibly have the lousy luck of losing his connection to the internet at some very bad times. To keep this sort of thing from happening to you, set your own stops with the trader. Do make sure though that the stops you put on his trades are only those that are well out of reasonable trading range.

Now that we're half way down the page lets revisit our original question. After doing anything and everything you can to limit draw down, I would say that anything over 35% of your entire account equity is just too much. Once you start to get into a situation where you are losing 50% or more it is very tough to ever recover without taking extreme risks. If you lose 50% you need to make 100% just to get back to even.

Historical information on the trader is another important consideration to take into account. A lengthy history being available can illustrate to you just how the trader handles rough seas in the trading arena. You want to know this because there will be rough seas in your trading future and you want a steady captain at the helm.

Do not just let go once you have selected your trader. You must constantly monitor his activity on both live and demo accounts. Should his draw down get crazy, it is undoubtedly time to reappraise your situation with him and perhaps delete him from your portfolio completely. - 23211

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