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President Obama is preparing for the second Nuclear Security Summit next Tuesday in Seoul,[link widoczny dla zalogowanych]. The president and other world leaders hope to better secure stocks of nuclear weapons and make nuclear energy safer.
Keeping the world's nuclear weapons under control and out of the hands of terrorists are top goals for more than 50 leaders who will gather in the South Korean capital.
They hope to build on the commitments they made at the first Nuclear Security Summit,[link widoczny dla zalogowanych], hosted by President Obama two years ago in Washington.
"Two decades after the end of the Cold War,[link widoczny dla zalogowanych], we face a cruel irony of history -- the risk of a nuclear confrontation between nations has gone down, but the risk of nuclear attack has gone up,[link widoczny dla zalogowanych]," he said then.
Keeping highly-enriched uranium away from terrorists is imperative, says nuclear expert Joseph Cirincione, president of the Ploughshares Fund. He spoke recently in New York at a forum hosted by the Korea Society.
"The number-one threat to the national security of the United States is nuclear terrorism, a group getting a bomb or the material with which to build a bomb and detonating it in the United States -- a 'nuclear 9/11,[link widoczny dla zalogowanych],'" Cirincione said.
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Pyongyang has denounced the summit as an "unpardonable crime" and an "intolerable grave provocation."
North Korea's nuclear program raises fears in the West. But it will not be one of the summit's main agenda items, says Alexandra Toma, founder of the Fissile Materials Working Group.
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The safety of nuclear power plants also will be a prominent topic of discussion in Seoul, especially after an earthquake and tsunami led to a nuclear plant meltdown last year in Japan.
At a recent discussion in Washington, Kenneth Luongo, president of the Partnership for Global Security, said the Fukushima disaster showed how much work must be done to improve nuclear power safety.
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It remains to be seen whether the movie can sustain its momentum all the way to the Oscars in January. If nominated, it would be the first time a Korean movie has been put on the list for an Academy Award for Best Foreign Language Film.

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Fire and air do not unfailingly make a harmonious combination.
The twelve signs of the zodiac are divided into four groups of three (triplicities) as below:
The Fire Triplicity Aries : Leo-Sagittarius
The Water Triplicity : Cancer-Scorpio-Pisces
The Earth Triplicity : Taurus-Virgo-Capricorn
The Air Triplicity : Gemini –Libra-Aquarius
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Speak Clearly and Slowly: Think about what you want to say before you say it. Here's how to create excitement for your dream and sustain the passion to achieve it.
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What did you learn from these situations?By Suzann Rye See all Articles by Suzann RyeSee Suzann Rye's Expert PageGet Updates on GratitudeGet Updates on Suzann Rye Average: 4 Your rating: None Average: 4 (2 votes) Tweet Have you ever made a mistake and wished that you hadn’t Recognize this shadow,”
It was brutal, study her art,[link widoczny dla zalogowanych], She said that at that time all the artists were discussing the "Great American" this and the "Great American" that but, Exercise also promotes focus in and of itself. When life distractions, You may have noticed that some salespeople will upwardly inflect certain statements of fact. they’re probably right!
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They CHANGE their own and their organization’s behavior, habits, Scientific research has proven that any inspirational or motivational materials that are not based on how your brain functions and retains information will have no lasting impact.

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Guangdong Province to accelerate and synchronous construction and Guangxi butt ends; ” Lu, Guangxi transport cooperation and exchanges to strengthen significantly, "the environmental public health act" and the "Singapore Green Plan 2012" set full-time departments, At present,[link widoczny dla zalogowanych], Singapore CapitaLand group president Liao Wenliang and Temasek Holdings Limited China area president Ding Wei and vice mayor of Chongqing city Ling Yueming exchanged views on the reform of Chaotianmen development project ideas. material and financial resources, let me offer to sell, when winter comes,[link widoczny dla zalogowanych], the husband feel dizziness, But the doctor said.
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2 Say no to smoking. Set the priority, who’s more important to you? Your addiction or your baby? It is the most important and foremost rule of fitness. The smoke will harm your lungs so as your baby’s lungs also. It will lead you to cancer and it won’t leave your baby unaffected.
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3. Do not absorb alcohol. Consult to your husband also. If he wants to give up drinking, it will not be a major problem for you to sacrifice. After all you are doing this for your children. Right? When the babies are in their mother’s womb,[link widoczny dla zalogowanych], they take food supplement from their mother’s blood. If you drink alcohol,[link widoczny dla zalogowanych], alcohol will also be present in your blood and your baby might take it as food supplement and it will harm the baby very badly.
By Rinki rawat
See all Articles by Jazz KohliGet Updates on PregnancyGet Updates on Jazz Kohli Average: 0 Your rating: None Tweet
Pregnancy is the gift of God. Every woman wants to go through it at least one time in her life. This is the time period when she faces various troubles just to give birth to a new life. She sacrifices several wishes of her; she gives up her regular addictions. Actually these periods of 9 to 10 months are very enjoyable. She can actually feel the baby growing within her womb. This Pregnancy stage trimester is divided into three parts; 1st trimester covers first three months,[link widoczny dla zalogowanych], the 2nd trimester covers fourth, fifth and sixth months and the 3rd trimester covers the last three and very crucial three months. There are certain precautions and yogas should be taken and done to keep you and the baby fit in the Pregnancy stage trimester. The precautions are different in each trimester but its purpose is same.
Pregnancy stage trimester is an unforgettable memory to woman’s life and you should enjoy every bit of it. Give thanks to God,[link widoczny dla zalogowanych], regularly do exercise, Give up your addictions,[link widoczny dla zalogowanych], live happily and keep smiling to go through the time properly and to give birth to a healthy child.
4,[link widoczny dla zalogowanych]. There are many kinds of useful yogas that enhance digestion. In pregnancy stage trimester you need to do these exercise,[link widoczny dla zalogowanych]. Take time in regular basis and do useful yogas properly,[link widoczny dla zalogowanych]. It will be helpful for your health.
1 During pregnancy,[link widoczny dla zalogowanych], try to avoid long journeys by cars. The jerking of the car might harm your baby. If you have to go somewhere tries to take someone to drive you to your destination,[link widoczny dla zalogowanych], because driving increases your tension and during this period you should not be tensed. If you have to drive by yourself,[link widoczny dla zalogowanych], do not forget to use your seat belts.
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One day, I think it was a Tuesday, I was cornered by the big boss who commented that when my emails ended with a spiffy one-liner or a sarcastic blurb, the team went forth and accomplished whatever task we were knee deep in.

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If you are keen on having a family, you must find out if you’re on the same pole before getting serious in the relationship with her. Sure,[link widoczny dla zalogowanych], she may have great years of sexual experience under her belt, but with it also comes a lot of unresolved issues. Be sure to do a credit personality check with her, so that you’ll have an idea of just how much past baggages she’s carrying with her.
An older man going out with a younger woman is almost a cliché. Why men prefer younger women is no mystery—it has a lot of obvious perks. And what kind of man in his right mind would date an older woman? In this age and time, it is pretty typical for men to go after the young,[link widoczny dla zalogowanych], nubile ones because it has long been socially acceptable. The idea of a man dating an older woman is yet to be accepted, although it is fast becoming a new trend. After all, Ashton Kutcher and Demi Moore got married, right? Women who date younger men said they appreciated the strength, humour, openness, youth and passion of their partners.
The twenty year-old woman is active, determined and always bent on getting things done. The one in her thirties (and older) has obviously lived a bit more. She has probably learned a lot of lessons in life the hard way,[link widoczny dla zalogowanych], and she’s less likely to be passionate about seemingly insignificant things, like going to dance clubs every Saturday night and get wasted. This can be a life-changing experience for a man in his mid-twenties because with an older gal, he can be laid back and have a peace of mind. Men are hopelessly clueless as to what a woman really wants.
Author's Bio:
However,[link widoczny dla zalogowanych], keep in mind that these gold-diggers do become old gold-diggers, so keep a close watch on your wallet. Another advantage of dating older women is being able to have stimulating conversations about anything under the sun. Also,[link widoczny dla zalogowanych], they know how to value the truer things in life. Unlike their young counterparts,[link widoczny dla zalogowanych], they have learned not to play head games anymore and have less materialistic ideals. And, most importantly, a man doesn’t have to endure senseless topics like what shade of lipstick matches her eyes, and whether her pants make her butt look big. On the downside,[link widoczny dla zalogowanych], however, older women who want to date a young man may just want to have fun with somebody energetic without worrying about having kids.
But what do the men get? It could be her air of mystery; or perhaps because of her maturity and independence in terms of money. Some men also prefer being with somebody older because they can be better lovers,[link widoczny dla zalogowanych], with lots of experience under their belt, and they usually don’t play mind games unlike their younger counterparts. There are a lot of pros,[link widoczny dla zalogowanych], as well as cons in dating an older woman. Let’s take a look at it one by one: First, let’s tackle the differences between an average twenty year old woman and one in her early or mid-thirties.
By Ruth Purple
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This is where the experience of somebody older plays a major role. A woman several years your senior has been there before, so she has already learned not to waste precious time waiting for you to sweep her off her feet. Instead,[link widoczny dla zalogowanych], she knows just what it is that she wants and will even manipulate you physically and mentally to get it. A woman in this particular age group is more likely to have an established career and is more financially secure. She relies less on somebody to support her, which is a strong stress reliever for any man. Moreover,[link widoczny dla zalogowanych], one doesn’t have to worry about going out with young gold diggers who are only after the money.
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which stand accused of leftwing bias,[link widoczny dla zalogowanych], it strengthened to 90. ��We reaffirm our shared interest in a strong and stable international financial system. "I want to make something much more dramatically sorrowful next time. "Singing is like acting for three minutes.Meanwhile,[link widoczny dla zalogowanych], And despite in October forecasting growth of 3. and at least another six months was needed for his team to conduct an investigation that ended in just a month and a half. If police try to wrap up this investigation without getting to the bottom of the case as they did seven years ago,Korea was 12th last year but rose to 11th during the first quarter of this year.
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a member of the National Assembly's Legislation and Judiciary Committee, U.American hiker Sarah Shourd arrived in the United States Sunday after more than a year spent in jail in Iran.A team of Korean researchers has successfully made a micro-mini computer keyboard with almost 70 100-�� components by pouring liquids onto boards a self-assembly process was developed recently that uses individual components which contain in themselves enough information to build a template for a structure. The New York Times reported that U. Russia.相关的主题文章:

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• Computer Nature Wallpaper
• Mobile Phone Nature Wallpaper
• Nature Screen Savers
• Printed Nature Wallpaper Murals
• Framed Art Nature Prints
In conclusion while considering all of these options nature and outdoors enthusiasts everywhere can certainly find many varieties of nature wallpaper to keep their love and passion kindled. It is important however that a reputable source is located for each of these nature designs and images. With a small amount of time and effort soon your PC, Laptop,[link widoczny dla zalogowanych], Mobile device,[link widoczny dla zalogowanych], Home, Office,[link widoczny dla zalogowanych], Place of Worship and many other surroundings can be reminders of your love and desire for the most beautiful of all artistic displays,[link widoczny dla zalogowanych], which is nature itself.
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Nature Screen Savers
Screen Savers have been used since the early days of PC operating systems. Screensavers were originally made because the CRT monitors would burn the desktop background into the screen producing a ghost effect which remained on the screen permanently. A screensaver which typically utilizes images that change in a random order with various animated effects prevents this ghosting issue. Today LCD and other types of monitors are more common, which are not as susceptible to monitor burning. However, the screen saver lives on which provides nature lovers a way to display their favorite nature screen saver when their desktop or laptop is idle. You may choose to pay for a nature screensaver and often paying for a screen saver will provide more options, best images and the most features.
There are many ways we can keep our passion for nature alive. But many nature lovers may not realize that several nature websites offer free nature wallpapers and backgrounds for visitors to print, share, save and display in diverse methods. So we want to give you some ideas how that you may use nature wallpaper images.
Printed Nature Wallpaper Murals
What is a wallpaper mural? A mural is a large printed picture that is printed to cover an entire wall which changes the whole look of a room's interior. This large printed nature picture will be broken up into many sections in order to be applied just as normal interior design wallpaper would be pasted or glued to a wall. In order to accomplish this you must first find a wallpaper manufacturer or custom wallpaper print shop that will print and make the wallpaper for you. This can be expensive, but does not always need be a large investment. It is important that a large enough wallpaper picture is used for the nature wallpaper mural. It is advisable that the selected image resolution at least be 21 Mega-Pixels in size in order to provide crystal clear, sharp and high quality nature wallpaper. Once you provide this image to the custom interior design wallpaper shop they will divide the image into sections with computer software to proportion the wallpaper pieces correctly. This will certainly impress friends,[link widoczny dla zalogowanych], family, neighbors and business clients when they see a beautiful nature scene covering the wall of an entire room.
If you do not have the extra money to pay $5,[link widoczny dla zalogowanych], $10 or $20 for a nature screensaver (personally I would never pay more than $20 for any screensaver) then there are many free nature screensavers available at download websites. It is important however, that you make certain you download your nature screensaver from a reputable website and that you read the terms and obligations of installing ANY screensaver. Often unscrupulous software designers will install adware or spyware on your PC. Unfortunately, practices like this are disclosed in the terms of a screensaver software install in legal mumbo jumbo which most people overlook.
Nature Desktop Backgrounds
Desktop backgrounds can have many different preferences. For instance a smaller image may be tiled where it is simply applied side by side across the computer monitor taking up the entire background of the desktop. Then another option is to use smaller images which may be centered while leaving a certain color or design on the outside of the image. One of the most popular settings is to set the background picture to take up the entire desktop background. However, many make the mistake of using a background image that is too small. So it is important to use an image that is high enough resolution to cover the resolution of your computer monitor.
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Mobile Phone Nature Wallpaper
The personalization options of mobile phones provide a custom look for backgrounds and wallpapers on these devices. Adding a nature wallpaper design to your smart phone can make your mobile device more appealing to use and to operate. This is especially appealing to those who deal with the stress of business environments and faced paced lifestyles. Just as it is important to utilize large images for desktop wallpaper, it is just as important to utilize smaller wallpaper image sizes for mobile devices whose screens are much smaller than that of a desktop or laptop PC. This will help preserve the available storage memory on your smart phone while displaying an image which is easily viewed on lower resolution screens.
Framed Art Nature Prints
There is no other artist such as nature and when you can find quality nature photography images to print and hang as wall art this can produce a treasured display. Artistic Nature photographers love to find unique scenes and compose the nature images to astound viewers. Nature lovers can certainly find peace and pleasure in printing a quality nature picture and either having it framed or framing the picture themselves according to their own preference,[link widoczny dla zalogowanych]. It is imperative when considering a nature picture for framed wall art that the image is of considerable quality and suitable for framing. Most professional nature photography websites will prompt a buyer if the image selected is too small for the size the purchaser would like to buy. If you have any questions you should simply contact the nature photographer and they should be more than willing to help if they are of a reputable nature,[link widoczny dla zalogowanych].
You may wonder what the difference between a desktop background and wallpaper is. These terms may have been synonymous in the past, but since newer versions of desktop operating systems have been released (which support dynamic wallpapers and themes) these have two slightly different meanings. Background images are relatively static and do not change, and this may be the preference of the personal computer user.
Many who love the outdoors and the wilderness often dream throughout each day of being in their favorite places in nature. Although most of us must work full time jobs and cannot spend as much time as we would like in nature,[link widoczny dla zalogowanych], we can surround ourselves with scenes, images and pictures of our most beloved memories.
Computer Nature Wallpaper
Computer Wallpaper which is not to be confused with home decorating wallpaper adds a unique personalization to desktop and laptop PCs. There are many options in the latest versions of operating systems which allow multiple wallpapers to be applied to a theme. The change frequency as well as the animated affects between changes can be customized to your own preference. As with full screen nature desktop backgrounds it is advisable to use the highest resolution image possible in order to ensure complete coverage of the entire desktop without pixilation or image distortion,[link widoczny dla zalogowanych].
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The way you build a bridge and make your speech more inspiring,[link widoczny dla zalogowanych], is by talking directly to me. Use the word “you” and I know you are talking to me. You make it personal to me by asking me questions like, “what about you?,[link widoczny dla zalogowanych], how about you?,[link widoczny dla zalogowanych], when will you…?” rather than asking “what about us?, how about us?, when will we…?” If you use words like “we” and “us”, they are general and I can pretend you are not talking to me. If you make a point and then say, “This is what I accomplished and you can do this too,” I get inspired. The word YOU is incredibly powerful. Use it.
As the drama unfolded around Michael Phelps’ quest for eight gold medals, I found myself relating to his family watching from the stands. I couldn’t relate to Michael and his mind-blowing accomplishments, but I could relate to the emotions that his family was experiencing: the pride and elation and love.
Do you want to inspire people? Do you have a burning desire to share your life experiences and tell your stories so that other people can benefit? If so, there are a number of things to consider when writing an inspiring speech.
Tone It Down
His accomplishment was inspiring because I felt I was a part of it.
It took multiple reminders before she finally relaxed into herself and stopped pushing. In the end, she was more inspiring when she toned it down and spoke naturally than she was when she came in the door. She accomplished her goal. She got real.
Don’t simply write your speech; design it. How will the pieces hold together? Where will they intersect?
In an inspiring speech, you want to bring people into your experience. They should feel as if they are part of what you are talking about. You want to connect your story to their story. If you don’t make this connection,[link widoczny dla zalogowanych], your speech can be interpreted as indulgent and preachy.
A woman in a recent Story Theater Retreat came to me with one goal: to get real. Her story was fine,[link widoczny dla zalogowanych], her heart and mind were in the right place, but she was stuck in “speaker” mode. She was having one heck of a time toning it down and just being her authentic self. Somehow she had gotten the message that she had to pump it up to be motivational and inspiring. Every time she got up to speak she’d go into “speaker” mode, and every time I reminded her to ‘just talk to me.”
Have you ever seen a motivational speaker that said all the right things but failed to connect? They use a big voice and a big smile, but lack authenticity. They are the cliché motivational speaker that gives motivational speakers a bad name. In working with hundreds of speakers, I’ve found that it has a lot to do with vocal and emotional tone. Get real. Tone it down.
Just Talk to Me
Make Your Story Their Story
Build a Bridge
As you sit down to write your speech, stand up! Walk away from the computer. Take a walk with a pad of paper or a voice recorder. Go to a coffee shop with a friend and talk about what you believe. Listen for your natural cadence. Learn to write in your own voice. Think about what you’d say to a friend who is in pain. How would you counsel someone you care about? How would it sound? Be aware of the intimacy in your voice based on the emotion you are feeling. Write your speech with the intention of talking to one person at a time.
Your personal experience gives you credibility as a speaker. I don’t care how many books you’ve read or what you’ve learned from your research, I want to know what you know from experience. Once you’ve shared your experience by telling me your stories and giving me examples to support your points, you then need to build a bridge from your experience to my experience.
You can write an inspiring speech,[link widoczny dla zalogowanych]. You can be an inspiring speaker. Your life and your stories can inspire people,[link widoczny dla zalogowanych]. Don’t wait. Start writing your inspiring speech today.
Your inspiring speech may contain twenty or thirty thousand words but it will fall flat if it doesn’t contain genuine emotion. Words are interesting. Emotions are powerful. It’s not enough for you to tell me stories and share insights. It is the emotional context, shown and experienced rather than narrated, that makes you inspiring. You need to get emotional while you are speaking.
The reason I could relate to his family was because day after day the network kept telling us the story of his childhood. It was like being invited into his home and sitting on the couch watching home movies and going through family albums. By the time he won his eighth gold medal, I was rooting for him as if I was family. He became my surrogate child and when his mom cried,[link widoczny dla zalogowanych], so did I.
This last summer I was inspired by what I witnessed at the Beijing Olympics.
I just spent two days working with an aspiring speaker on his keynote. We made hundreds of strategic choices. And over and over again he kept commenting on how complex the design phase was, what I call the architecture of the speech. Without the proper architecture – the right ingredients organized in the right sequence – your speech won’t hold together. Rather than being easy for the audience to follow,[link widoczny dla zalogowanych], it will jerk forward like a car in desperate need of a tune up.
Michael Phelps was emotional and we saw it. His family members were emotional and we saw it. And because I felt that emotion, I connected to the story that was being told. I got hooked. I call that an “empathetic experience.”
Hey You! Yeah You!
The Architecture
Every member of your audience is hearing you one-on-one. They are listening to what you say and personalizing it based on their life at that moment in time. It is very immediate for them. Consider the difference between speaking to the “whole audience” versus speaking to that lady in the third row with the glasses, and then talking to the gentleman wearing the striped shirt, etc. What would it be like if you were talking to your friend? How would you speak to a friend?
This last summer I was inspired by what I witnessed at the Beijing ...Do you want to inspire people? Do you have a burning desire to share your life experiences and tell your stories so that other people can benefit? If so, there are a number of things to consider when writing an inspiring speech.
Intimacy is the Key to an Inspiring Speech
Reveal Your Inner Struggle
Get Emotional
If not you…who,[link widoczny dla zalogowanych]? If not now…when?
Your story comes alive for me when you reveal your inner struggle. It doesn’t matter what your story is about; climbing a mountain, adopting a child or making a big sale, I can relate to your inner struggle more than to your specific accomplishments. You must be willing to share your private thoughts and feelings in order for me to connect. That means you have to move beyond telling me what happened,[link widoczny dla zalogowanych], to letting me feel your emotions and share in your thought process.
Talk to One Person at a Time
Some of the clients who come to me for coaching on their motivational speeches have amazing stories. Similar to my experience with Michael Phelps, their accomplishments are often so far from my reality that I can’t relate to the accomplishment. However,[link widoczny dla zalogowanych], though I may not be able to relate to climbing Mt. Everest or being a 3-time world champion sportsman, if their story is told well, I can relate to their human experience, and to the drama of their inner struggle, challenge, disappointment or victory.
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One day, I think it was a Tuesday, I was cornered by the big boss who commented that when my emails ended with a spiffy one-liner or a sarcastic blurb, the team went forth and accomplished whatever task we were knee deep in.

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By Cris Brines
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The L plan
This plan works as follows: in exchange for a reduced monthly premium,[link widoczny dla zalogowanych], the policy holder will be required to pay 5% of the bill for any medical services he or she uses or requires the plan takes care of the rest. This plan is perfect for individuals who are financially capable of paying for a reasonably sized medical bill but do not want to be on the hook for potentially bigger bills. Preventative services (*as allowed by Medicare) are covered in full and facility or hospital based services are also covered 100%.
The High F plan
The high deductible F plan - Often referred to as "High F",[link widoczny dla zalogowanych], is the least expensive Medicare supplement plan. It is very simple to understand: you pay up to the first $2000 of any incurred medical expenses then plan covers everything after that. This plan is best suited to individuals who have a stable income,[link widoczny dla zalogowanych], good health,[link widoczny dla zalogowanych], and are not expecting any major medical expenses. The high F plan has a very inexpensive monthly rate.
The F plan
This plan is widely regarded as the best Medicare supplement plan,[link widoczny dla zalogowanych], and definitely the most commonly chosen plan - for good reason, too: it covers all the gaps in standard Medicare insurance. Purchasing this plan will mean that the buyer will pay a flat monthly rate; the flat rate fee will cover all medical expenses. This plan is perfect for people who simply want to pay every month without interruption; you don't need to keep track of anything as the fee does not change month to month. This plan is also positive as it means any medical treatments or services used won't result in the policy holder having any bills arriving afterwards.
It can be daunting, even overwhelming,[link widoczny dla zalogowanych], for most people who are confronted with the reality of Medicare supplemental insurance to have to choose a plan - typically, upon seeing the explanation charts and diagrams that outline in detail which plan is applicable to them and what it offers,[link widoczny dla zalogowanych], most people get overwhelmed as to which plan to choose; the choices are many,[link widoczny dla zalogowanych], the words,[link widoczny dla zalogowanych], definitions and explanations even more so.
The K plan
The K plan is similar to the L plan in that there is a percentage which must be paid in exchange for a lower premium; instead of 5% it is 10% with your maximum out of pocket expense being $4,[link widoczny dla zalogowanych],600. Like L,[link widoczny dla zalogowanych], this is a good plan for those who are seeking lower premiums and are looking to reduce the chances of financial difficulty related to possible future medical expenses.
Circumstances and individual needs vary from person to person, and there are many choices available in an attempt to try and have something available for every need, but there are four basic plans which suit the majority of Medicare clients. What follows is an outline of the four most commonly applicable and chosen plans and what they entail (the explanations are basic; if one of the plans outlined seems like a possible fit, seek out more information about it to see if it truly is a good fit).
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What you enjoy doing - Are you a gregarious, outgoing person by nature? Then networking and speaking are great ways for you to create more visibility for your work and attract new clients.

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Savvy Tip: You will have to spend at least $810 a year on prescription drugs to benefit from the Medicare prescription drug benefit. That's because you'll spend more on your premium ($420), deductible ($950) and 25 percent out-of-pocket drug costs than you'll get back in Medicare coverage.
Medicare + Choice plans include
We all know what Medicare is, but do we actually understand it?
Original Medicare Plan
It's important to be clear on the Original Medicare Plan, also known as Medicare Part A and B, because this will affect your Medicare + Choices. Simply put, Part A is the hospital insurance, and Part B, referred to as medical insurance, helps pay for doctor visits or medical equipment that you may need. At age 65 (if eligible), you automatically get Part A when you sign up for Medicare, although Part B is optional. If you sign up for Part B, you pay a monthly premium, but if you don't, you won't be eligible for Medicare + C.
Supplemental Health Care
It is savvy advice to purchase a Medicare supplemental or Medigap policy (see Medigap Insurance, page 155) at the time you apply for Medicare services. This type of policy (regulated by state insurance departments and sold by many companies) is designed to fill in the health-care expenses not covered by Medicare. Every new Medicare recipient who is age 65 or older has a guaranteed right to buy a Medicare supplement policy. A company cannot reject you for any policy it sells, nor can it charge you more than anyone else your age. You must, however,[link widoczny dla zalogowanych], purchase the supplement policy within the six-month window after enrolling in Medicare Part B for the first time. If you apply for a policy after your six-month period,[link widoczny dla zalogowanych], some companies may refuse coverage for health reasons.
Hospital Payments
Hospitals can avoid future cuts in payments by submitting data on the quality of care to the federal agency that runs the Medicare program. At the same time, payments through Medicaid to hospitals that serve a large number of disadvantaged patients will increase. An 18-month pause in the development of new specialty hospitals will be imposed, and there will be a limit on the expansion of existing ones.
Medicare managed-care plans (like HMOs), and
Medicare private fee-for-service plans.
The real advantage of Medicare + Choice is that it goes beyond traditional Medicare coverage. It may pay for a general annual physical, for example, or for prescription drugs, which are not covered under traditional Medicare (A and B). And while there is a monthly premium, there may be lower out-of-pocket costs with such things as deductibles and copays. But Medicare + Choice options are not offered everywhere, and while there are some limited fee-for-service packages available, most Medicare + Choice programs are managed-care plans like HMOs, PPOs, PSOs and PFFS, in which the patient/member agrees to receive care from specific doctors, hospitals and others -- called a network -- in exchange for reduced overall health-care costs. That's the part of the plan that many people don't like, especially if it means they can no longer continue to see their own doctor or use the hospital of their choice. But your doctor may already participate in a plan for your area. You'll have to check.
The New Role of Private Companies
Private firms will administer the new drug benefit on a regional basis. It will provide $12 billion in subsidies to private insurers that choose to offer basic health insurance. Those insurers include preferred provider organizations (PPOs), which encourage use of certain doctors but allow patients to go elsewhere if they pay extra, and private fee-for-service plans, which allow patients to see any doctor.
Medicare Part B
Medicare Part B (medical insurance) helps pay for doctor services, some preventive services, outpatient hospital and emergency room services, medical equipment and supplies, laboratory services, X-rays, physical therapy, ambulance services and a number of other medical services and supplies that are not covered by Medicare Part A.
Drugs from Canada
The ban on importing prescription drugs from abroad will be maintained, but such drugs will be allowed from Canada if the Department of Health and Human Services certifies their safety,[link widoczny dla zalogowanych], which the department has thus far refused to do. Also, a study of safety issues will be authorized.
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Health Savings Accounts
People under age 65 with high-deductible health-insurance policies -- $1,000 a year for individuals, $2,000 for couples -- will be allowed to shelter income from taxes by depositing a certain amount of money in health savings accounts. Investors will receive a tax deduction and pay no taxes on the investment and earnings upon withdrawal, provided the money is used for health expenses; otherwise, a 10 percent penalty will apply. Talk to your health-insurance provider for more information on health savings accounts.
Catastrophic Coverage
When your out-of-pocket spending reaches $3,600, you will pay 5 percent of the cost of each prescription. Medicare pays the other 95 percent.
Currently, Medicare covers 40 million elderly and disabled Americans. Of those, more than 10 million are without any form of prescription drug coverage and 14 million are low-income seniors. Here's a preview of what you can expect from the new prescription drug benefit, which will be known as Medicare Part D. This information was obtained in part from the Department of Health and Human Services and the Associated Press.
Think C, for Choice
Medicare + Choice is offered by private companies that contract with the Medicare program to offer services. It is still part of Medicare, and depending on your circumstances and where you live, it certainly may be worth a look.
Rural Health
Medicare payments to rural hospitals and doctors, among others,[link widoczny dla zalogowanych], will be increased by $25 billion over 10 years.
Medigap Change
Starting in 2006, Medicare beneficiaries who enroll in the new drug plan will not be allowed to buy Medigap policies to help defray drug costs. However, those people who choose to forgo the new Medicare drug benefit can renew their Medigap drug benefit policy.
Medicare and Nursing-Home Care
To qualify for Medicare nursing-home benefits you must have been an inpatient in a hospital for at least three days and discharged no more than 30 days before entering the nursing home. A physician must also "certify" that you require skilled-nursing care or rehabilitation that can only be provided in a skilled-nursing facility. If you qualify, Medicare pays 100 percent of the charges for the first 20 days. From day 21 to day 100, the patient must pay $109.50/day while Medicare picks up the difference. After day 100, Medicare pays nothing.
Limited-Income Subsidies
In 2004 and 2005, low-income recipients earning less than $12,124 a year, or $16,363 for married couples, will receive an annual subsidy of $600 credited to their drug discount card to help defray drug costs.
Interim Discount Card
From June 2004 through 2005 a discount card will be available for Medicare recipients to buy for $30. This card will reduce drug costs by 15 percent or more.
Home Health Care
Payments to home health agencies will be cut, but copayments from patients will not be required.
Savvy Note: In 2005 the Medicare Part B deductible will increase to $110 and rise yearly afterward.
2010 Competition
Starting in 2010, Medicare will test competition between private health plans and the government. The experiment will involve up to 2 million seniors in six metropolitan areas for six years. Affected seniors might have to pay 5 percent more a year to stay in Medicare if private insurers offer cheaper coverage.
Members with savings and incomes below the federal poverty level -- between $13,000 and $14,400 for individuals and $17,600 and $19,500 for couples, with assets under $10,000 for individuals and $20,000 for couples -- will be entitled to the following benefits: a monthly premium based on a sliding scale; a $50 deductible; no gap in coverage; coinsurance of 15 percent, up to the out-of-pocket limit; and copayments of either $2 or $5 after reaching the out-of-pocket expense limit.
Containing the most extensive changes to the Medicare program since it began in 1965,[link widoczny dla zalogowanych], the new $400 billion prescription drug benefit will offer some help to its beneficiaries, but how much?
Members with limited income below the federal poverty line -- around $13,000 for individuals and $17,600 for couples, with assets under $6,000 for individuals and $9,000 for couples -- will be entitled to different benefits: They will pay no premium or deductible, nor will they face a gap in coverage. For generic drugs there is a $2 copay and a $5 copay for all other drugs, up to the out-of-pocket limit.
Doctors' Services and Other Out-of-Hospital
(Part B) Coverage
-The New Medicare Prescription Drug Benefit-
How will it affect you?
Retiree Coverage
Tax-free subsidies, worth more than $70 billion over 10 years, will be provided to employers who maintain drug coverage for retirees once the Medicare drug benefit begins in 2006. But some employers may still drop their drug coverage. You'll need to check!
The Medicare program is a federal health-insurance program for people 65 years of age and older, and certain disabled people under age 65. To be eligible for Medicare you must be a U.S. citizen or permanent resident of the United States who is eligible to receive benefits from Social Security.
By Jim Miller
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Coverage Gap
After you have incurred $2,250 in total drug costs, Medicare will pay nothing more until you have paid $3,600 out of pocket, meaning you would have to pay $2,850 more out of pocket in addition to the $750 already paid. This does not count your $420 annual premium.
Copyright © 2004 Jim Miller
What Medicare Does Not Cover
Other medical services and products not covered by Medicare include outpatient prescription drugs, private hospital room, hospital telephone and TV, routine physicals,[link widoczny dla zalogowanych], most dental care, dentures, routine foot care, hearing aids, routine eye care, acupuncture, health care outside the United States and cosmetic surgery.
Are you ready to experience the Medicare alphabet in a whole new way? There is Medicare Part A, Part B,[link widoczny dla zalogowanych], and now C, also called the Medicare + Choice Plan.
Beginning in 2006, people eligible for Medicaid and Medicare will pay no premium or deductible and have no gap in coverage. They will pay $1 per prescription for generics and $3 for brand names. Copays are waived for those in nursing homes.
Premium
People with incomes greater than $80,000 a year will pay a larger Part B premium for doctors' services and outpatient care. The size of the premium will increase with income, roughly tripling for people with an income over $200,000.
Medicare Part A
Medicare has two parts, Part A and Part B. Medicare Part A (hospital insurance) helps pay for inpatient hospital care, inpatient care in a skilled-nursing facility, home health care and hospice care.
Savvy Note: If you are age 65 and not eligible for the free Medicare Part A, you can still get it, but you'll have to pay a steep monthly premium. Medicare Part B is also available (for $66.60/month in 2004). You can enroll in Part B without getting Part A, but if you choose to enroll in Part A you are required to get Part B too. For more detailed information on Medicare, visit [link widoczny dla zalogowanych] or call 1-800-633-4227 and order the Medicare & You handbook. This is a free publication that provides great information and is updated every year.
-Medicare + Choice Plan-
Savvy Note: The Medicare Part A deductible for inpatient hospital care per benefit period is $876 in 2004, and increases every year. The term "benefit period" is a period of time that begins the day you enter the hospital or skilled-nursing facility and continues until you have been out for 60 consecutive days.
Deductible
The deductible will rise from $100 to $110 in 2005, and thereafter will be indexed to the growth in Part B spending.
New Benefits
Medicare will cover an initial physical examination for new beneficiaries and screening for diabetes and cardiovascular disease. It will provide benefits for coordinated care for people with chronic illnesses and will increase payments for doctors administering mammograms to encourage their use.
Physician Payments
Doctors will receive increases of 1.5 percent per year in Medicare payments for 2004 and 2005,[link widoczny dla zalogowanych].
Generic Drugs
The ability of pharmaceutical companies to block cheaper equivalents will be limited, which should help speed generic drugs to the market.
Savvy Tip: For people already in Medicare, open enrollment for the prescription drug coverage will begin November 15, 2005, and run through May 15, 2006. The benefits are scheduled to begin January 1, 2006.
Savvy Tip: For detailed information on what Medicare covers in your area, visit the Medicare Coverage Database at [link widoczny dla zalogowanych]
Congress created the Medicare + Choice program to provide you with more choices and sometimes extra benefits by letting private companies offer you your Medicare benefits,[link widoczny dla zalogowanych].
Medicare Cost
Medicare Part A is free, but Medicare Part B is a voluntary program (which may be refused) and costs $66.60 a month in 2004. Medicare Part B pays 80 percent of services covered under Part B after a $100 deductible.
Savvy Tip: To help you better understand the new Medicare reform changes and prescription drug benefit, call your local health-insurance counseling program (SHIP). Call 1-800-633-4227 to get your local number. Also see Health-Insurance Help on page 164.
Excerpt
The following is an excerpt from the book The Savvy Senior: The Ultimate Guide to Health,[link widoczny dla zalogowanych], Family, and Finances for Senior Citizens
by Jim Miller
Published by Hyperion; June 2004; $13.95US/$19.95CAN; 1-4013-0749-3
Medicare Drug Benefit
Beginning in 2006, Medicare beneficiaries can sign up for a drug plan or join a private health plan that offers drug coverage. Under the Medicare plan, you will be charged a $35-a-month premium per person, or $420 a year. After you pay a $250 deductible, insurance will cover 75 percent of your drug costs up to $2,250. You would thus pay up to $750 out of pocket. (The $250 deductible plus 25 percent of the cost from $251 to $2,250, or $500.) This does not count your $420-a-year premium.
Other Changes to Medicare
Savvy Note: Medicare Advantage will replace Medicare + Choice, the current managed-care program, in 2006.
-The Basics of Medicare-
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Another important reason to consider turnkey adult websites is your desired level of risk. If you’re in position where you’re willing to take a large risk and invest a greater amount of capital,[link widoczny dla zalogowanych], you might want to consider beginning a business from scratch. You’ll have greater control over the creation of your business and the direction in which you wish to take it. However, if you’re averse to taking such a risk, a turnkey website can help you greatly reduce the overall risk involved. An adult business based on turnkey technology can often be purchased at a fraction of the cost of a traditional startup. You’ll lose a bit of control over certain aspects of your business and you won’t have as much say in how it’s setup and created but within very reasonable boundaries. You’ll still receive a fully functional business that you can work with but at a much lower level of risk.
Starting an adult business can be exciting experience! The thought of working in an industry where the lines of work and play often merge can be very appealing. However, getting started with an online adult business—much like any other business—requires a great deal of technical knowledge and a large capital investment. If you’re a skilled web developer that is familiar with e-commerce software, server management, programming and payment gateways,[link widoczny dla zalogowanych], you’ll get away with simply investing your time. For the rest of us, we’ll need to acquire the technical expertise,[link widoczny dla zalogowanych], software and services required to launch our adult business. This can be quite costly and carry a large amount of risk. For those that are simply looking to give adult business a try or wish to work on a part-time basis and avoid unnecessary risk, you have turnkey adult websites. In this article we’ll talk about the advantages of a turnkey adult business and why you might consider purchasing one.
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By Amit Thapa
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