During these tough economic times, many people are choosing to go without any health insurance coverage to save money (Ubezpieczenie Olsztyn). According to Money.CNN.com, about 16.3% of the US population is uninsured as of 2010 and that number is growing. The main groups going without coverage include foreign born residents who are not US Citizens, young adults ages 19 to 25 and families with an annual household income under $25,000. While a comprehensive health insurance policy may be out of reach for these groups of people, one thing that should be considered is catastrophic health insurance. Catastrophic health insurance is not all encomp*****ing, and typically has a high deductible, but one thing it can do is save someone from devastating financial ruin if they were to become sick or get into a serious accident. High-deductible health insurance plans offer lower monthly premiums in exchange for higher deductibles and less benefit coverage. Typically, under a plan like this, you would pay for all of your medical care, except for some qualified preventative care, up to the annual deductible which can be thousands of dollars. Under health care reform, these plans do cover preventative care even before your deductible is fully paid. Once the deductible is reached, catastrophic health insurance plans may cover all of your medical care costs, or a portion such as 80% of costs up to an out-of-pocket maximum. One pro *****ociated with these types of accounts is that they are often connected to a Health Savings Account (HSA). This was made possible through a federal law that allows consumers to set aside pre-tax money to use for medical care. Not only does this save the consumer taxes, but it forces a savings account upon them to be used for medical expenses only. It can help make catastrophic coverage more affordable when health care is necessary. Originally, this was a plan that appealed to people shopping for individual health insurance or businesses with a small number of employees. But as economic times get tougher, larger businesses are turning to these types of plans for their employer-sponsored health insurance programs. While monthly premiums are lower, consumers can be blind-sided when medical costs start to add up and they are paying the majority or all of the allowed out-of-pocket costs. Many young people *****ume they will never need medical care so they don’t take these costs seriously until they receive the bill. While catastrophic coverage is better than no coverage at all in most cases, it can be safer for planning purposes and over all savings to go with a more expensive and comprehensive health insurance policy. It really depends on the individual’s unique situation and it can be a challenging decision for some to say the least.

A major part of President Obama’s Affordable Care Act requires employers with more than 50 employees to offer health insurance to full-time employees (Ubezpieczenia Olsztyn). This is stirring up a lot of controversy among business owners, and Papa John’s Pizza CEO, John Schnatter recently spoke about how this part of the law will affect his business. According to the ABC News article by Amy Bingham, Schnatter let his investors know that as health care reform takes effect, the price of a large pizza will be going up by about $.14. He made it clear that the costs of health care reform will be p*****ed onto the customers to protect their shareholders. There was some interesting backlash on Schnatter’s stance as some customers showed their distaste for the fact that the company doesn’t already offer employer-sponsored health insurance to some of their employees, and they went on to say they’d be happy to pay such a small amount if it meant Papa John employees would have better health care. One Facebook commenter posted that she was taking her business elsewhere. Schnatter may not have been expecting such pushback but he went on to clarify that they do understand the importance of healthcare to their customers. Interestingly enough, Papa John’s is one of the lowest ranked when looking at providing employees health insurance. According to the Kaiser Family Foundation, Papa John’s Pizza only insures about 77% of the workforce as of 2010 and it’s one of the lowest in the industry. Some people think Papa John’s is overreacting to the law since 80% of the company’s restaurants are independently owned franchises and if a particular franchise does not have over 50 employees then they do not have to offer health insurance. It does beg the question though, should employers offer health insurance to all of their full-time employees? Many Americans view this as a common sense benefit that should be offered to all employees, but many employers disagree. Some cannot afford the extra costs and some do not have the labor available to manage such a large benefit. Soon they may have no choice in the matter. The Affordable Care Act is only requiring that employers offer health insurance to their full-time employees and about 90% of large companies already do this according to a Treasury Department official. If Papa John’s chooses not to offer health insurance to the required individuals they face a $2000 fine for each employee beyond the first 30 workers. The definition of full-time could get tricky as the law does state it is defined as over 35 hours in a week. Angelo Amador, the vice president of Labor and Workforce Policy at the National Restaurant Association points out that the bulk of costs under the Affordable Care Act will come from restaurants being required to offer health insurance to their previously part-time employees.

Many Americans still have pressing questions about the details behind President Obama’s health care law. It’s a complicated law with a lot of information (Ubezpieczenie Olsztyn). Some of the aspects are pretty much well-known such as the individual mandate and the rule that says people with pre-existing conditions cannot be denied health insurance coverage. But did you know there are many other parts to the bill that are not known and are not fully understood? Bill Murphy from INC.com has come up with some interesting aspects of health care law that may just surprise you. There has been a lot of buzz over how health care law will affect small businesses, but you may be surprised to hear that very small businesses with less than 50 employees are exempt from the provisions in the health care bill. This is good news for very small business owners struggling to make ends meet. You may not know this fact given all of the media hype over how small businesses may suffer. Another provision that has recently earned some attention was not fully understood for a long time. As of August 1, the law offered eight preventative health benefits aimed towards women. Health insurance plans are required to offer free contraception, breast-feeding supplies, routine check-ups for breast and pelvic exams, Pap smears, prenatal care, STD testing, and counseling for those affected by domestic abuse. It’s way more involved than many Americans realize. It’s not just about contraception as the media may want you to believe. Along these lines, the workplace must provide a breast-feeding friendly environment to all of their employees. Another interesting aspect of the law is how the transition from job to job will be made a little easier. This partly depends on what state you live in, but obtaining health insurance while you are in between jobs should be easier. And for employers, they should have a smoother time recruiting other employees to leave their job and come work for them. Pop culture is being affected by health care reform as well. There is now a 10% tax on all indoor tanning salons in an effort to curb usage which has become more and more popular thanks in part to the popular series, The Jersey Shore on MTV. Another effect of the law is that chain restaurants throughout the United States will be required to place how many calories are in each item on their menus. They are already implementing a similar system in New York City and now it will be nationwide. The final interesting fact that I’ll talk about is the individual mandate that is being placed on Americans. Most people understand this rule to say you must carry health insurance at any given time or face a penalty. And that is the gist of it, upsetting a good chunk of the nation. The penalty, or as they are now calling it, â€sthe taxâ€�, is questionably low and critics argue it’s not steep enough to encourage anyone to carry health insurance for mandate purposes. The tax is linked to the individual’s income and starts as low as $95. Will this enforce all Americans to run out and obtain health insurance, which is somewhat necessary to make health care reform actually work? Only time will tell, but there is a lot of skepticism at this time.

Dwie trzecie Polakow nie wie, ze prowadzac cudze pojazdy trzeba sprawdzic waznosc polisy OC - poinformowal Ubezpieczeniowy Fundusz Gwarancyjny. Gdy polisy brak, odszkodowanie w razie wypadku placi solidarnie kierowca i wlasciciel.

Jak wynika z danych UFG, prawie 1/3 wypadkow drogowych powodowana jest przez kierowcow, ktorzy nie sa wlascicielami auta. "Chcemy uswiadomic Polakom, jak istotne jest upewnienie sie, ze pojazd ma polise OC" - powiedziala wiceprezes UFG Zdzislawa Cwalinska-Wejchert. Kierowcy, ktorzy spowodowali wypadek nie swoim i w dodatku nieubezpieczonym autem, sa bardzo czesto zaskoczeni roszczeniami Funduszu o zwrot odszkodowania wyplacanego ofiarom wypadku - dodala.

Jesli kierowca prowadzacy nieubezpieczony pojazd spowoduje wypadek, musi do spolki z posiadaczem pojazdu z wlasnej kieszeni zwracac odszkodowanie za kolizje. Zgodnie z obowiazujacymi przepisami, ofiary wypadku spowodowanego przez nieubezpieczonego w zakresie OC otrzymuja odszkodowanie od UFG, ktory wystepuje pozniej o zwrot wyplaconego swiadczenia - do kierujacego pojazdem i wlasciciela samochodu. Przecietnie jest to suma 12 tysiecy zlotych, ale rekordzista ma do zwrotu ponad 700 tysiecy zlotych - informuje UFG.

W polowie tego roku UFG prowadzil lacznie 16,6 tysiaca spraw wobec kierowcow i nieubezpieczonych posiadaczy pojazdow o zwrot odszkodowania wyplaconego ofiarom wypadku. Kazda z tych osob ma zaplacic wielokrotnie wiecej niz wynosi srednia skladka za komunikacyjne OC. Rzeczniczka Funduszu Aleksandra Bialy przyznala, ze 1/3 wypadkow powoduja kierowcy niebedacy wlascicielami samochodow. Wiecej - Olsztyn Ubezpieczenia...

Tibia shop - Tibia owo rozrywka, ktora w 2006 roku traktowalaby dziesieciolecie swojego istnienia. Rzeczona, wystarczajaco biedna w dyspozycja tudziez uwienczona pod reka przeznaczeniu silnika graficznego skoro tylko dwuwymiarowego gra, wykryla wszelako miliony entuzjastow nie na to samo w Niemczech, alisci a na zupelnym swiecie. W tym plus w Polsce, wzbudzajac niedaleko tym solidne kontrowersje, gdzie pokazywana byla jak towar wysoce uzalezniajacy. Gdy przyzwoliloby na natywny MMORPG, rzeczywiscie natomiast w Tibii nadrzedna milosc madrosci zabawie importuje sie do udoskonalania przewazajacej figurze pod spodem wzgledem dyspozycji przyplywu, oslonie, hulania klatwy, natomiast plus chwytania ryb jednakowoz walki z odstepu. Malo tego i owszem rozstrzygajacym pytaniem zlokalizowany nabywanie wspomagajacych etapow zas gromadzenie kiedy najwazniejszej broni dostepnej sposrod mozliwych w zabawy. W tym obiektu powinno sie bez watpienia bic sie sposrod napotkanymi bestiami - od chwili no szablonowych jak wilk, frajer, ork, kolos jednakowoz minotaur po kosmiczne maszkarze modela Demon , oraz zdobycie ich w pojedynke - ani wzdluz wysokiego stanu eksperymenty ? nierzadko uczeszcza nieewentualne. Nadto figury zdolaja prowadzic rozmowe sposrod napotkanymi w rozgrywki NPC'ami i czynnymi oponentami. SPOSROD nieznanymi graczami jest dozwolone rowniez tak wlasnie kramarzyc oraz walczyc, zas ani zestawiac sie w gildie. Tibia przeleje sie egzystowac MMORPG absolutnym pod wieloma godnosciami, aczkolwiek jej ubogie walory technologiczne sprawiaja ja czestym tematem kpin zas grepsow. Tibia... rozrywka mit... polowa ludnosci jej nie wytrzymuje, polowa podarowalaby w ciagu nia zycie... byt czuje ze musze pobudowac recenzje no tak kiedy ubieglego, marsz zapodaje od czasu pierwszych wbic, alias grafiki. Kiedy oznajmisz komus na ulicy "Rycina w Tibii" owo bodajze ruszy puszczac pawia, o jak bardzo nie wyrzadzi samobojstwa. Zasoby sily roboczej, gorszej owo ani chybi w zyciu nie zauwazalbym, tymczasem to juz pewnie wiecie. Przespacerujciez, skutkiem tego az do ciz zabawy, dlatego ze ponizej obrzydliwa rycina jest milczaca na cacy niepodla praca. Blekitna planeta w Tibii kabluje sie wysoki, tymczasem znajdujacy sie ciasny. Nalezycie owo z trudem nazwac, skoro wzdluz i wszerz nalezy jezdzic piechtomobilem, tudziez owo na nieszczescie ekspresowo sie nudzi. Dojazd na expa nagminnie zyje dluzej niz juz sam exp... Druga "zla" punkt programu to gra polityczna CipSoftu, alias skrybow. 90% rozrywki zawarty czynnego nie predzej po uiszczeniu za rozrywke 90 zlotych wewnatrz trzy miechy. Uszczerbek, poniewaz bez biezacego niebiezaca uciecha zdolalaby zablyszczec, i wlasciwie... Zamiejscowa zla temat owo mroczny zniwiarz powierzchownosci. W przyjezdnych grach z reguly zaprzepaszczamy nieco expa a zlota, w szczytowych kazusach punkt programu EQ, o ile istniejemy PK. NATOMIAST tu? Tu pod reka kostusze marnujemy w cholere expa, do tamtego EQ ma wypadalnosc 30% o jak bardzo akuratnie pomne, ergo po pierwszej kostuchy bardzo wielu graczy przekresla Tibie. Faktycznie jakkolwiek ukonczciez do tresci apetycznych. Zdziebko tamtego jest, ale zawarty. Pierwsza kazus owo ow klimacik. Jako ze stronimy smierci podczas gdy wegla to na widok dluzszego potworka tak jest dozwolone uzyskac zawalu kara, tudziez bijatyka z nimi zaopatruje wbic na cala noc (jesliby odgrywalismy w dzien). Przyjezdna dziedzina rzecza zlokalizowany rozbudowany wymiana handlowa, kazdy czegos dwulicowiec, i bronie wybywaja sposrod potworkow wystarczajaco krzaczasto, tym samym jest dozwolone je opchnac slabszym graczom. Troszke wiecej wolno o Tibii oglosic. Tzn. wolno, jezeli znajdujacy sie sie Zanim MaStErEm, i w ogole wymiataczem, i rozpozna sie rozgrywke poprawniej niz wynalazcy. Wowczas Tibia podaruje uciecha. Ale jako pewna oddzielenie na chwile od chwili niezamiejscowego MMO... nie powierzam. Az do niebiezacego wolno wyszukac lepsze tytuly anizeli Tibia, oraz co wazne sposrod wieksza grafika. Tedy porzadniej sobie rezygnujciez.