Real Issues about ObamaCare

Posted by on Dec 6, 2013 in Health | 0 comments

The glitch-plagued federally-operated HealthCare.gov website, the very recent government shutdown and the absence of enthusiasm in state legislators and Republican governors to put up and operate their own state’s Health Insurance Marketplace (or Exchange), lest the ObamaCare works and succeeds, seemed good enough for the Republicans in Congress and haters of the health reform act to ensure that the President’s program fails.

According to the Campaign Media Analysis Group, since President Obama signed The Patient Protection and Affordable Care Act, or simply ObamaCare, on March 23, 2010, it supporters have spent about $75 million for its explanation and defense, while its opponents have spent $400 million to convince Americans that it will never work.

On October 10, 2013, though, all efforts employed by Congressional Republicans in forcing the president to end government shutdown by defunding his health program obviously backfired and even ended up making ObamaCare more famous.

But will ObamaCare really work? And is it designed as a really affordable health care program? To these questions and more Wendell Potter (formerly the Corporate Communications Vice President at CIGNA, one of the largest health insurance companies in the US. As a whistleblower, he testified in the U.S. Senate about insurance companies’ practices that have resulted to more than 44 million uninsured Americans today) says that ObamaCare:

  • Was specifically designed for those with low income – to make health care really affordable for them, as well as to reduce the cost of Medicare
  • Is aimed at lowering costs of premiums, providing tax relief and tax credits that will help millions of Americans afford healthcare, and allowing middle class Americans to save thousands of dollars on healthcare through tax cuts
  • Is intended to improve the quality of care for Americans through more efficient basic health care
  • Eliminates gender discrimination and pre-existing conditions, which means that no one can be charged to pay higher premiums or be removed from being covered due to health reasons.

The program has so many other benefits which will take effect starting 2014, while other benefits will get implemented year after year until 2022. While many are still against ObamaCare, letting them express whatever they want to say may just be the proper thing to do; just wait ‘til they get to enjoy the benefits themselves and find out how wrong they have been all along.

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Choosing a Garage Door

Posted by on Dec 4, 2013 in Home Improvement | 0 comments

Whether moving in to a new home or having home renovations, many people believe picking the right garage door is one of the most important things, since garage doors seem to have become the focal point of each home. In order to pick the right type of garage door, you have to first understand that garage doors come in various materials. These differences have their own advantages and disadvantages, so knowing what they are will help you pick the right one perfect for your home.

Wood – wood has an old-world and classic appeal: the first garage doors were made with wood. People who prefer to go with a traditional feel, wood would be a good choice, and presently they have a number of styles. One advantage of wood is that they have lost-cost options, and it is a better insulator than steel. However, wood garage doors may require more maintenance and to be refinished regularly to prevent it from being damaged.
Wood Composite – made up of recycled wood fibers, wood composite are sturdier than wood against rot and splitting. They are also offer the durability of steel garage doors with the appearance and feel of wood, allowing owners the options of either painting or staining it.
Steel – reasonably priced, strong, and low-maintenance, steel garage doors are the most common and popular ones. Steel garage doors provide a number of styles, and can be painted. Two things must be considered if you choose to have steel garage doors: first, they are poor insulators, therefore it would be better to have them insulated (it helps save energy bills and could reduce noise) and second, steel panels differ in thickness, and top quality steel garage doors have at least 24-gauge (the lower the gauge number, the thicker the steel).
Fiberglass – although not as popular, fiberglass garage doors are more resistant to salt-water erosion, making them a better option for coastal-located homes. They are very light, and can withstand dents more than thin steel. They are, however, a poor insulator and can be weathered from long exposure.
Aluminum – lighter than steel and is less expensive, aluminum garage doors present imitation wood texture and longer-lasting finishes, although they are prone to dents.

Picking your garage door does not only mean choosing the right material: you also have to consider the styles, finishes, and color. Consider other factors as well, such as the location of your home, the weather, pets, and such. Know what you want and how much you can afford to have a clearer mind on what to choose.

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Hair Gloss Treatments

Posted by on Nov 5, 2013 in Hair Treatments | 0 comments

It seems everyone wants to have the Hollywood-style hair: flow-y, full, and with shine. When people want to have such great looking hair, they would go to the salon to ask their hair stylist a hair gloss treatment, but what is it, really? And what can it do to your hair? Is it really better than having a regular hair dye job? A lot of people are raving about hair gloss treatment being better than a regular dye job. To help understand if it is a better alternative, let’s see what it can do to your hair:

  • Regular hair color tends to be harsher and more permanent than hair gloss treatments. Because of the gloss’ acidity, it helps in closing the hair and cuticles, giving a smoother surface that reflects more light. It can also give the hair a much softer texture to it. On the other side, regular hair dyes have ammonia which can cause the hair follicles to open which eventually damages the hair.
  • Hair gloss treatments help in restoring hair damaged by the sun and chlorinated pools. The treatment helps to deep condition your damaged hair to return the balance of the strands.
  • Hair gloss treatments do not change your hair color: you can keep your natural hair color if you want. There is an option of using clear gloss which gives hair a deep conditioning effect, an essential part in keeping your hair healthy and shiny. With hair gloss treatment you also have the advantage of toning down highlights that has become too brassy, giving hair a toned effect that is shiny and frizz-free.

You can do your hair gloss treatment at home, and they are easy to maintain as well. Local drugstores sell these at-home gloss treatments, although it would be better to go to the salon if you wish to have colored glosses. Also, choosing sulfate-free hair products is all you need to maintain gloss-treated hair.

The best thing about hair gloss treatments is its non-committal nature: it will eventually fade on its own in about six weeks. It is not strong enough to damage hair so you can go ahead and ask for other chemical-assisted hair changes you would prefer in the future. Using hair gloss treatment, whether at the salon or at home, can be a great way to get healthier-looking, shinier hair.

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Role of a Divorce Lawyer in Divorce Settlements

Posted by on Nov 3, 2013 in Divorce | 0 comments

Texas is the first state in the US to include collaborative divorce in the Family Code statutes. This indicates that Texas is in favor of alternatives to litigation when it comes to divorce, accommodating couples who prefer to keep things simple and amicable through a simplified divorce, mediation, arbitration or collaborative divorce. In most non-litigation divorces, the presence of a lawyer is not required, except perhaps for collaborative divorce. As a result, many couples have the mistaken belief that they can do it all on their own and save on money.

This is not true, however. The law is couched in terms that are not easily understood by the layperson no matter how carefully and often one goes over the numerous statutes related to matters of divorce. Even the most well-meaning and diligent of couples can draw up a divorce settlement or fill up a divorce form that will not be acceptable to the court because it may not be in the correct format or contains serious errors and disallowed provisions. The agreement could also contain provisions that is grossly unfair to one of the spouses, or which affects children of the marriage in an adverse manner, which may have repercussions later on.

The role of the divorce lawyer in a divorce settlement is to provide guidance, clarification and suggestions for the legal aspects of a settlement. While it would certainly cost a little more to get legal advice, it will be worth it if the settlement is drawn up correctly. An article on the website of BB Law Group PLLC points out that there are many legal points that may arise even in the simplest of simplified divorces that may require clarification. A lawyer in a consultant or advisory capacity is still the surest way to buttoning up a divorce settlement with a minimum of fuss and muss.

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Truck Accidents in the No-Zone

Posted by on Oct 29, 2013 in Personal Injury, Truck Accidents | 0 comments

One of the best advice for motorists to avoid truck accidents is to keep out of a truck’s “no-zone.” The “no-zone” is a blind spot, and most commercial trucks have four of these, located at:

  • The area right in front of the front bumper of the truck
  • Directly behind the truck’s trailer
  • A small area on the driver’s side of the cab
  • A larger area on the passenger side of the cab

According to the website of Kankakee-based firm Spiros Law, P.C., these are directly at the rear of the truck-trailer, directly in front, slightly behind the cab on driver’s side, and the right side of the truck. These no-zones also apply to buses in general.

In case of truck accidents where the other motorist was in a no-zone, it could be argued that the driver had no liability because the motorists should not have been in the no-zone in the first place. Under some circumstances, this could be true, especially if the other driver was driving recklessly such as cutting lanes, tailgating or overtaking on the right. But if it was a case of wrong place, wrong time, the truck driver could be held at least partially responsible for any injury sustained by another driver or passenger in an accident.

Truck drivers are held to a higher standard when it comes to road safety because they carry the bigger stick. They are well aware of the no-zone and should give other motorists a wide berth. If an accident results because the driver change lanes abruptly, braked suddenly, sped up, or made a right turn without warning, these are instances that the driver was clearly at fault and negligent. An article on the website of Joe Miller Law, Ltd. states that a motorist mowed down by an 18-wheeler is sure to have some hefty medical bills and a long recovery period, so it is just right that they get compensation for the costs. If you or a family member sustained injuries from being in a truck accident, ask a personal injury attorney what to do next.

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Asbestos Exposure and Mesothelioma Claims

Posted by on Oct 25, 2013 in Asbestos, Personal Injury | 0 comments

Diseases caused by prolonged and significant asbestos exposure in the US is purported to claim 10,000 lives a year, a staggering number considering that people who die from lung cancer every year is just 3,000. It is estimated that about 1.3 million construction workers in the US are still in active danger from contracting asbestos-related diseases. One of the most deadly of these is malignant mesothelioma, cancer of the lining of major internal organs called the mesothelium.

The disease manifests slowly, between 10 and 50 years after exposure, but it kills quickly, often within 3 years after diagnosis. This is why more than 40 years after the health hazards of asbestos was made known to the public and regulated, there are still personal injury claims being brought against a wide variety of defendants. According to the website of Williams Kherkher, this may also include the U.S. Navy, where asbestos exposure may result from working on ships and shipyards.

Civil litigation for mesothelioma and other asbestos-related diseases is considered the most massive and expensive tort action in the US. More than 700,000 people have made claims against 80,000 defendants. The latter includes banks, construction companies, automobile parts manufacturers, mine owners, property owners, insurance companies and tool manufacturers. In many of the cases brought before the civil courts, the plaintiffs were not exposed to asbestos as a result of their occupation but by simply being in the vicinity where asbestos was present. The tiny, tiny fibers of asbestos permeate into the environment so well that direct contact is not even necessary to sustain grievous and eventually fatal injury.

The statute of limitations for mesothelioma claims from the date of discovery vary from state to state, so it is important to know what applies in your state in case you are diagnosed with mesothelioma or other asbestos-related diseases. In Texas, for example, it is two years from the date of diagnosis or discovery, while in California it is only one. Contact a personal injury lawyer in your state and find out more about your legal options.

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Costs Associated with Hurricane Damage

Posted by on Oct 24, 2013 in Child Custody, Hurricane Damage Claims | 0 comments

A recent rash of hurricanes that have swept various parts of the US has forcibly brought home the costs associated with hurricane damage. Aside from damage to residences, disruption or even closure of businesses in the wake of a hurricane involves far more than mere property damage.

This is why commercial property and business owners in hurricane-prone areas pay the extra premium to have windstorm and water damage insurance. If and when the time comes, legitimate hurricane claims can help property and business owners survive the costs associated with hurricane damage and make a recover. However, insurance companies are notorious for unreasonable delays in processing payments, especially when it comes to hurricane claims. This is because most insurance companies operating out of a certain area are sure to be deluged with multiple claims immediately after a hurricane hits, and any delay in payouts means more savings.

It is understandable why claims processing would be slow under those circumstances, but it should not be unreasonably so. Every day of delay means a loss of income, and this impacts business and property owners in more ways than one. For example, if a business owner’s claim is delayed unreasonably and finds it impossible to keep the business going, it may mean outright closure. This loss of income may have serious consequences in cases where child custody criteria have to be met, such as a stable financial state of the petitioning parent.

The costs associated with hurricane damage are extensive enough without it being exacerbated by delays in claims processing and insurance payouts. If you are a business or property owner who is experiencing an unreasonable delay in hurricane claims processing, contact a hurricane claims attorney and get immediate action. Time is of the essence when it comes to recovering from hurricane damages.

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