New Public Plan for Health Insurance:
I agree, I think that this many people that are still uninsured are most likely not to participate in the new public plan, because if they wanted to participate in this public plan that they would’ve have some kind of insurance before that would make them to take interest in this. . A government health insurance plan is not going to be financed primarily by premiums paid by the insured. If it were, it would not draw many people away from private plans. As human being and physician, I believe health care is a right. It is unethical for publicly traded corporations to sell health insurance - the only way they can grow, or pay dividends, is to charge more and pay less. This fundamentally puts the interests of the patient against those of the insurer. What's more, these companies are bloated and inefficient, consuming at least 20 cents of each dollar for administration - and creating an unfunded mandate for doctors and hospitals to hire armies of staff to collect what is due. Another problem is liability. We need a system where cases are adjudicated by medical professionals and there are limits on pain and suffering; those injured most be made as whole as possible. There is a tremendous amount of defensive medicine practiced to "CYA" and the cost should not be underestimated. Finally, a bit of enlightened self-interest. Physicians need to be better paid for their time. Real earnings are less than they were in 1990 - in 1990 dollars! This is worse than not keeping pace with inflation. If we, as a society, hope to attract bright and hard-working people to medical careers then we need to pay better. It is simply an issue of political will to pay physicians better - not as well as investment bankers, of course - but better. Simply allowing us to reduce our overhead by eliminating private insurers - and raising fees to keep pace with inflation - would mean a substantial increase in take-home pay. For example: The insurance industry and leading Republicans decry that as unfair competition. Hospitals and doctors worry about being underpaid, but there is a limit to how low government reimbursements can fall without driving them out of the program. If they will add the new public plan in their insurance than more people will be getting involved and more people will start visiting the hospital. This is cause the hospital to wait for the government to pay them what it is left for them to pay. I don’t agree that they should add the new public plan to the insurance they the families own. I think they should leave it the way it is.
http://domain-sadaf.blogspot.com/
The credit card trap
Closing the credit card will not give you the result you want. The problem isn't the credit card, but the way you've been using it. I have credit cards but I am aware of how much I can afford every payment period and so I don't go on spending more than what I can afford every month. Money I don't have in the bank, I don't spend. I hate paying interests, and so if I don't have enough money I wait until I save enough. Credit cards don't make money out of people like myself who always pay on time and in full, but out of people, who like you, don't restrain themselves when spending money they don't have. Therefore, I suggest that you don't close your credit card, unless you cannot control your spending habits. Instead I would suggest that you leave the credit card at home, and pay it. Make a plan on how you will be able to afford monthly payments. If you can only afford $500, you know that this money will go to pay the monthly interests and then the principal ($10000). So once you know how much you pay on interest, then you will be able to plan it and see how many months (years) will take you to pay the whole amount. This will teach you to think long term and make you doubt next time you go shopping things you cannot afford. It will also prepare you for later in life as you will be better qualified to handle your finances. You don't say how much are you being charged on interests.
Call your credit card company and ask them if they can lower your interests. If the person who answers says no, ask to speak to a manager. If this doesn't work, then check your other credit cards and find out which one offers you the lowest interest rate, and make a balance transfer. Be responsible and make your payments if you don't want to mess up your credit report and score because if you fail to pay, this will stay for 7 years in your records and next time you need credit your interests will go higher because lenders will see you as high risk. Remember that the trap is set for those who don't know better, and cannot control themselves. You are smart, so don't fall in traps you already know are there. Learn from your mistakes so you can avoid them next time. Mr. Dodd says it has taken a while for him to gather support for the bill, and last week the banking committee approved it by only one vote. Republicans and bankers who oppose the bill had argued, and continue to argue, that no law is needed because the federal regulations are tough enough. Mr. Dodd, who has faced criticism for his role in bailout legislation that allowed executive bonuses, could help himself by holding firm on his credit card bill. The Federal Reserve regulations are useful, but consumers should not have to wait for real help until 2010.
http://www.nytimes.com/2009/04/06/opinion/06mon3.html?_r=1
Call your credit card company and ask them if they can lower your interests. If the person who answers says no, ask to speak to a manager. If this doesn't work, then check your other credit cards and find out which one offers you the lowest interest rate, and make a balance transfer. Be responsible and make your payments if you don't want to mess up your credit report and score because if you fail to pay, this will stay for 7 years in your records and next time you need credit your interests will go higher because lenders will see you as high risk. Remember that the trap is set for those who don't know better, and cannot control themselves. You are smart, so don't fall in traps you already know are there. Learn from your mistakes so you can avoid them next time. Mr. Dodd says it has taken a while for him to gather support for the bill, and last week the banking committee approved it by only one vote. Republicans and bankers who oppose the bill had argued, and continue to argue, that no law is needed because the federal regulations are tough enough. Mr. Dodd, who has faced criticism for his role in bailout legislation that allowed executive bonuses, could help himself by holding firm on his credit card bill. The Federal Reserve regulations are useful, but consumers should not have to wait for real help until 2010.
http://www.nytimes.com/2009/04/06/opinion/06mon3.html?_r=1
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