Flexing The Health Insurance Company Muscle

When it comes to prescription drugs you may be that your course of treatment is being dictated by your doctor when in fact your health insurance company actually has a greater say in the drugs that may or may not be dispensed to you. Insurance companies don’t know you and they don’t have a medical degree but somehow, they seem to believe that they have the right to dictate your course of treatment and unfortunately this actually is a true statement.

When many people realize what is really going on between their doctor and their health insurance company in regards to the course of treatment they will receive and that it is driven more by the decisions made by the insurance company than the doctor professional opinions and conclusions it can be very disillusioning to say the least. The health insurance company usually decides the acceptable treatment package for the patient and is on their approval or disapproval. It is now standard practice before a physician will offer suggestions for their patience’s treatments to first consult with the health insurance plan.

Usually a doctor will not tell you that the course of treatment being suggested is what the health insurance company has approved. However, there are other doctors that do let their patients know why the prescribed treatment is being suggested.

As with most everything aspect of life, those with the most money generally get their way first. This is especially true in the medical field and the role and influence that big deep pocketed drug companies play in the options presented to the patients via the doctor. It might be that there are several very good options available, but because of the cost of the medical care, the health insurance company will blatantly discourage these options from being part of the options list made available to the patient.

Concerning health insurance coverage for most patients, their health insurance company has more control and influence to dictate the treatments for the insured parties that many previously believed and this is just plain wrong. Simply because no member of the health insurance company actually examined you and they don’t have the professional medical credentials to adequately make such life changing decisions for the patients. For the most part the insurance company only knows you by your policy number or case number, so why should they be allowed to possess so much control over your treatment and care?

A simple way to answer this is to realize that the health insurance company is big business that wants to continue unprecedented growth and profits by limiting their liability and decreasing the amount they pay to each claimant. The decisions almost never are based on any thing other than a business prospective and nothing to do with what is best for the insured patient to ensure that they are getting the best treatment available.

Wilson Harrell – for Entrepreneurs Only

Entrepreneurs are born, not made, but thirst for freedom is the spark that ignites.”
— Wilson Harrell

What does it take to become a successful entrepreneur in today’s business world? Well, there are many giants of business you could ask, but you would be hard pressed to find anyone better than Wilson Harrell. Read about a country boy who became a marketing guru and entrepreneur. He is quite simply a business legend.

Born in Georgia, 1919, Wilson Harrell, world renowned entrepreneur and marketing guru was a man of strong conviction. In his great business journey, he lived a glamorous life all through. Not all know that Wilson was a fighter pilot in World War II and received Purple heart, Air medal with 4 oak leaves and also the President Citation.

It all began with Wilson Harrell & Company started by Wilson himself after the war. The company distributed Kraft products to huge military PX market and in very less time the company sales reached $200 million. But Wilson had other ideas, he sold the distribution company. Then he bought Formula 409, a household cleaner product company for $30,000 and turned it around. He later sold the company for $7 million and bought 60 food brokerage companies whose total sale exceeded $500 million.

All in all, Wilson started over 100 companies and turned around a few. He was voted America’s no.1 columnist for the year 1995 and 1996 by the American society of Business for his monthly contribution to the Success Magazine. Wilson was also the past publisher of INC. magazine.

Along with being the Founder/Chairman of council of growing companies, nationwide organization, Wilson was also the leader and voice of entrepreneur’s movement in America. His book “For Entrepreneurs Only” was a bestseller and still one of the most admired in this genre.

In his book, he discussed the hunters and farmers of cave man age. He reasoned from science and a variety of studies that genes are passed down and often entrepreneurs are the children of entrepreneurs. At some point thousands of years ago, entrepreneurs were the hunters of our world while the farmers tend to be employees.

He enjoyed great success in life and died in 1997 at the age of 78 from lung cancer.

“I’ve loved, I’ve laughed and cried
I’ve had my fill, my share of losing
And now the tears subside
I find it all so amusing
To think-I did it all that
And may I say
Not in a shy way
Oh no, oh no not me, I did it my way”

– Source-“For Entrepreneurs Only” from Wilson Harrell.

g Htc Thunderbolt Is The Greatest Achievement Of Htc Corporation

Verizon has recently launched a unique smartphone as HTC Thunderbolt on 4G. This is first smartphone, which has utilized 4G LTE Network. At first, this newly released smartphone was available only at metropolitan areas, but during the end of 2011, Verizon group has extended their coverage to approximately 150 worldwide areas. Apart from outstanding coverage of 4G, Thunderbolt is a unique smartphone.

At first glance, most of us have perceived that HTC Thunderbolt has looks and feelings, similar to any of the smartphone provided by HTC Corporation. Although, the newly launched model is slightly thicker than other models of smartphones available to us, but still the phone can be fit easily in our trousers or jeans pockets. The back of HTC Thunderbolt smartphone is soft, so that we can hold it comfortably without any difficulty. One side of this smart phone has volume control, while other side has micro USB port, along with power button placed at the top of your smartphone. The front side of this smartphone has included WVGA display of approximately 4 inch and resolution of 800/480 pixels. The HTC Thunderbolt has included 4G hardware in it. This is because; the newly launched smartphone is slightly heavy in weight than other smartphones of HTC Corporation. However, the increase in weight of HTC Thunderbolt as compared to other smart phones has given it the feeling of business tool, instead of a toy.

The battery for HTC Thunderbolt smartphones is comparatively smaller than batteries of other smartphones. This is because; HTC Thunderbolt has incorporated 1400mAh battery. Hence, the life of Battery For Htc Thunderbolt is poor and has talk time of approximately 6 to 8 hours. Moreover, if we use this HTC smartphone frequently with huge applications, internet browsing, video and media playing, the model may last to maximum 4 to 5 hours. Irrespective of the poor performance of its battery, we should say that launch of HTC Thunderbolt is one of the greatest achievement of HTC Corporation in the sector of smartphones. So, if you are having strong desire to enjoy 4G services on your smartphones, buy HTC Thunderbolt smartphone today.

The Firm Wave Exercise Machine

Many of my clients have seen the Firm’s Wave Personal Gym and have asked me to review it. They know I have a similar piece of kit called the TBow and thought I would be the ideal person to advise them on the Wave. I was curious to see if the Wave was any good for the average at home exerciser.
The Wave like the T-Bow is a curved step which can be used either side up. With the curved side up it is stable (won’t move) and can be used as a normal step, for stretching, with an exercise band it can be used for strength training and you can do many body weight only exercises like Press-Ups and Squats.
When you turn the Wave over so that the curved surface is down you end up with an unstable surface. With your feet on either side of the Wave it can be challenging to stay upright on it never mind move. This way up you can rock from side to side for a fantastic fat burning workout, walk on the Wave to help tone thighs and buns, increase core and abdominal strength and you can add a resistance band to super charge your workout.
It is claimed you can burn three times more fat using the Wave compared to other cardio equipment. Three times, well maybe not but you will burn a lot more that’s for sure. Working on the Wave is challenging, rocking to music with a fast beat will have you sweating and breathing hard in less than five minutes.
It’s possible to do over 100 separate fat burning and toning exercises using the Wave. You can strength train and sculpt those long lean muscles you’ve always dreamed of. When you consider it comes bundled with 4 DVD’s, an exercise mat, The Wave and a healthy eating guide all for less than $100. I was impressed with the wave and it compared well with the TBow. It’s not gym quality but for home use should be OK.
Don’t be tempted to think this is just another exercise gimmick it’s not. The Wave will do exactly what the manufactures claim with one proviso. To get the claimed results you actually have to use it! Like any piece of home workout equipment if you leave it under the bed gathering dust it just won’t work. You’ll lose no fat, burn no calories and you won’t get that strong and toned body you desire.
Discover what thousands of people like you have learned. That by Riding The Wave you can achieve your fat loss goals

Government Forcing Isps To Block Torrent Sites – Will This Work

The legislation of protecting copyright is valid in the sense that a copyright owner does not want their work to be reproduced and redistributed on the internet without their permission. One of the forms in which copyright is violated is through torrent sites. Governments around the world have considered forcing the ISPs to block popular torrent sites to try to limit copyright infringement, but will this actually work?

First of all these torrent sites do not have any illegal content on them. Think of them as the search engine for torrents. One may find illegal files on a torrent or legal ones, but the files are not on those sites at all. This would be blocking access to those files. There is somewhat of a fallacy in this thinking of blocking sites because Google, Yahoo, and Bing have links to illegal torrents as well. Would ISPs block search engines too? If search engines still existed, which they would, torrents to illegal files will still be found. While it’s not something that most people might think about, it’s true that these types of files are found with a search online.

Secondly, people who really want to use those sites that are blocked will just use proxies. This is what many do in China where the government blocks most of the internet. A proxy can go around artificial blocks and access content.

If these methods didn’t work, people sharing illegal files would just find another method. Peer to peer movie sharing dropped considerably on torrent sites because streaming movies is just easier. If one could not get a movie through a blocked method the internet leave 1000 others meaning the person who wants illegal content will just do something else.

While the heart of the matter is in the right place, the concept of blocking a group of listings to stop piracy is a bit short sighted.

Premium Finance – Create Wealth And Retire Early

Hello, this is Lynette, a Relationship Manager from Premium Finance. I had the most delightful clients in the other day who wanted to go into an investment with their son and daughter -in-law, the motivation being that the son wanted to create wealth and retire early, not like Mum & Dad who were still working in their late fifties.They offered their home as security which was a lovely and generous offer however they didn’t understand the ramifications of doing this. The wanted to borrow the money from the bank in all their names and have a 25% share each in the investment.
The first issue I found was that Mum & Dad had very little superannuation and actually needed much more assistance then the young couple. If the four clients had of went ahead with their plans without seeking advise they would have held each other back in their attempt to create wealth. A bank will take the stand that even though the debt is in 4 names, they take it that each individual actually is responsible for 100% of the repayments on that debt. It is like the other 3 parties don’t exist. This would have resulted in all parties being liable for the debt and as a result each individual would have struggled on their income to obtain any more borrowings from the bank for future investment. This meant that they would have had only the one investment which would not have created the wealth they were seeking. The solution to the problem was that Mum & Dad did assist their son into an investment but in his and his wife’s name only. Mum & Dad also went into their own investment and are on target to do another investment in 6 months thus increasing their asset position and provide an income in retirement. Getting the right loan structure can be vitally important sometimes especially in this case and getting professional advise is a very wise move. Remember the Bank is not your friend and doesn’t have your best interests in mind – WE DO THOUGH !

Role of Management Education in Shaping Future Managers and Entrepreneurs

When we talk of management education, we are basically referring to shaping up the students, aimed towards developing their competency and capability either as a manager fit to join an organization and help it to grow or as entrepreneur, to establish and grow ones own business. This capability does not come from possessing a management diploma or degree, but also requires developing in the students the will and skill to contribute for self sustenance and nation building. Presently it is seen, that there is a wide gap existing between the type of management education imparted in MBA colleges and what is there in real life management in business organizations. In order to make management education more realistic and useful for the industry, certain key areas need to be identified. These could be:-

(a)Benchmarking quality management education to create an enduring quality managers and entrepreneurs.
(b)Bring in professionalism in management education.
(c)Adequacy of qualified and competent faculty members, proper infrastructure, support facilities and regular updating of curriculum.

Benchmarking Quality Management Education

Benchmarking with the top management colleges inspires an institute to produce quality managers. Management education needs to include knowledge, skills and abilities (KSA) that are needed today and that will be needed tomorrow by the industry. The mission of management education should be to become innovative and creative. The objectives of benchmarking should be to:-
Make own students employable in industry.
Moving the institute from academic mode to corporate mode. To achieve these objectives the agenda should be:- (a) To identify the industry expectations of the skill sets required of students. (b)To identify the areas of Total Quality Management (TQM) in management education. (c) To identify the changes required in teachers imparting management education.

Professionalism in MBA/PGDM Education

There are many reasons for the wide differences in the quality of management education in different institutes in India. The main reason is the absence of a body that can ensure that the standards set are practiced and retained by all management institutes, like AACSB in USA. We do have an apex body the All India Council for Technical Education (AICTE), that is responsible for setting the basic framework, guidelines and standards for quality of business education, there are however many problems when it comes implementation of these standard by MBA colleges and institutes and these problems undermine the effectiveness of these standards. In order install quality in management education in India, the AICTE and MBA colleges / universities in the country should focus on the following issues:-
Quality of faculty.
Infrastructure development.
Accountability of management institutes.
Values and ethics.
Role of professional bodies (AIMA, ISTD, etc).