Tuesday, September 28, 2010

Tips for getting insurance when you have a pre-existing condition


Nineteen-year-old Stuart Wald is not likely to grow out of his schizophrenia, bipolar disease and attention-deficit disorder. But he will, with 100 percent certainty, grow out of the health insurance coverage he has through his father's employer -- and that day is just a few years away.
The Walds (not their real name) know he'll never get insurance on his own because he has not just one but three pre-existing conditions. Without insurance, it will cost the Walds thousands of dollars a month for his treatment and care.

If Stuart could get insurance through his own employer, that would solve the problem. With "group insurance," you can't be denied coverage because of pre-existing conditions. But millions of people can't get insurance through a job for a variety of reasons: They're self-employed, or their employer doesn't offer health insurance, or, like Stuart, they're too sick to work.
That's when they're forced to find insurance on the "individual" market.
Our "Empowered Patient" inbox is filled with desperate pleas from people with pre-existing conditions searching for individual insurance. As a matter of fact, we get more e-mail on this topic than on any other.
Stuart's father, Nathan Wald, wrote to us a few weeks ago.
"He needs lifelong medications and psychiatric therapy," Wald wrote. "Can you give us advice on how he can get benefits?"
According to the Kaiser Family Foundation, 21 percent of people who apply for health insurance on their own get turned down, charged a higher price or offered a plan that excludes coverage for their pre-existing condition.
"It's a huge problem, because insurance companies don't want to insure sick people," said Nancy Metcalf, senior program editor for Consumer Reports. "They're a business. They don't want to insure people they know are going to cost them a lot of money."
The health insurance industry doesn't deny that people are rejected or charged higher premiums because of pre-existing conditions.
The industry's trade association, America's Health Insurance Plans, has a proposal to help people with pre-existing conditions as part of a comprehensive health-care reform plan.

Monday, September 27, 2010

What is the essence of Confucianism?


Confucius was the founder of Confucianism, far-reaching impact of Confucianism on Chinese culture, nature can not fail to mention him, which is the Chinese history and culture in the world, the pride of some of Confucius's thought in today still has its practical significance, and know how to work around, or can take to use up. mainly because the thought of Confucius on the spiritual realm as applicable today. For example:
By personality state, the people into villains, a gentleman and the Saints third;
By psychological domain, the people are divided into the wise, brave and benevolent three categories;
Grouped into nine state:
Villain of the Wise (Ash),
Villain of the Brave (Xiaoyong),
Benevolent villain (the Druid).
A man of wise men (Dazhi),
A man of brave (Dayong),
A man of benevolent (Dade).
The wise sage (Divine Perception),
Sage of the Brave (St. Yong),
Sage benevolent (holiness).
Open textbooks, one can understand the essence of Confucian thought, namely: "benevolence" as the core, "courtesy" in the form, focusing on self-cultivation. Among them, the "benevolence" is rich in meaning to "The Analects" "benevolent love", "No harm benevolence to survive, kill the body to pay the price," "The man of jen, who has Yuli standing, he seeks up to" and other remarks can be seen, "benevolence" is a noble and valuable spiritual and moral realm of the ideological sentiments, but also a group of individuals for the values of others and, therefore, "benevolence" as the most ideal political model of Confucius, for the government to Germany, to win the trust, caring, prudence Xu Min, with the people concerned, and so on, can be said to be the most basic requirements of political Shixing Ren; "gift" includes not only the central meaning of "gifts" "Etiquette" and other content, and more broadly refers to the set to maintain state, the normal order of the etiquette of social system and its concepts.

There is no doubt that "benevolence", "li" as the central thought of Confucius, in China, Chinese communities around the world, and even on the whole world is having a profound impact. However, in the last century, sixties and seventies of the "Cultural Revolution", the Chinese government was called on people to "four olds", "Down with Confucius," Confucius thought the grounds that "too feudal," "thinking too much loyalty effect ", the concept of" too moderate ", and so on. "It is a special distorted for political reasons, the era of Confucius culture." Qufu City Cultural Relics Bureau, said Chen Ting, deputy director, "How to understand the essence and dross, you need to think of a nation."

However, to date, the prospects of China, people everywhere the importance of Confucian thought:

The Chinese government's strategy of governing the country, the promotion of justice, the so-called "government who is also"; the same time, attention to justice and humanity, to promote the spirit of maintaining the rule of law under the premise of "rule of virtue." Communist Party of China's "Three Represents" idea, the final impact point is the "interests of the masses." Under the guidance of this principle, at present, local governments at all levels regard the integrity, diligent and loving as their own policy framework, "the body is not made of; its body is not correct, although that is not from."

"Confucius, the world's policy makers have for guidance." Office of Personnel Department of Shandong Province, Deputy Director of Cheung Chuk show said, "no matter which regime, if it is unfair, unjust, do not consider the interests of the masses, the regime to impossible to maintain long-term. "

In the field of culture, the Confucian influence in the years after 2500, still deep into the hearts of men: in Qufu Normal University, School of Confucius, Qufu Experimental Primary School and other Chinese thousands of large, primary and secondary schools the park, the statue of Confucius is eye-catching - as a world-renowned cultural sage, a great educator Confucius's position in the hearts of students is still irreplaceable;

In addition to the campus, the Confucius in the Chinese cultural influence called second to none: and other units by the China Confucius Foundation, established the "Confucius Research", "Confucius and China" publications issued throughout the world; organized by the China National Tourism Administration International Confucius Cultural Festival grand a year more than a year, including many internationally renowned cultural figures, the Chinese government officials, distinguished guests, including foreign diplomats have to be involved; to carry forward the Confucian culture as the main content of various websites related to Confucius 100; hometown of Confucius in Qufu, "three holes", has been listed as one of hundreds of patriotic education bases; not to count the number of units, the enterprise of Confucius's thought and speech, box wall mounted, as civic morality, ideological and education, quality of the people, culture and other aspects of teaching materials for people to learn, experience ... ...

In the economic sphere, many of the ideas of Confucius is widely advocated, the use of. Pay attention to product quality and manufacturing enterprises rely on to play the market, as Confucius says: "we must first of its profits."; Enterprises require employees to keep learning in order to progress, as Confucius said, "Well Ren hard to learn, The shelter is also stupid. "; enterprises emphasize business integrity, Confucius mention of the" teach children to four: text, line, loyalty and trust "... ...

In fact, apart from ideological reference, the use of outside, in real economic life, it is the worship of Confucius is ubiquitous: "Confucian house wine" has become the largest export volume in China mid-range wine; "Confucius tofu" "Celestial Ginkgo" is all people who travel to Qufu to a taste for the fast Cuisines; "guest house in Que" is the most popular domestic and overseas tourists loved Qufu City four-star hotel, but the name associated with Confucius in Qufu City but more than 76 hotels; Shanghai entrepreneurs to invest tens of millions, a, in Qufu Confucius built in an English school, its students came from several provinces of China; Moreover, the name of the font and Confucius Name of the sesame oil, pancakes, and other products more than 100 kinds; Each year, more than 300 million domestic and overseas visitors to Qufu worship hole, Confucius, ticket sales brought only this year's "May Day" near 15 million yuan ... ...

30-year 76-year-old generation descendant of Confucius, Ling-man, is "handmade shoes Hung Corner" boss. At first, he did not up the brand, but since the production for sale, but business in general; later, he was pointing to others, self, "Hung handmade shoes Corner" website, the business soon grew and grew. He said that Confucius had a great impact on the world, as his descendants, ancestors, we would like to take effect first, to fight the visibility of products, and secondly, it is also the ancestors of the expansion and extension of influence. He disclosed that his own brand of shoes that sell better than the other, "not satisfied with the line." "Confucius thought contains a very rich, deep content." Shandong University professor of Chinese kongfanjin said, "In today's society, from government to ordinary people, people becoming more and more attention to it, simply stated, Confucius thought a worthy reason to do so, in which 'righteousness, integrity' of the content is consistent with the value orientation of society today. "

In 1988, when more than 75 Nobel laureates issued a declaration at the Paris conference, said: If humanity is to survive in the 21st century, we must learn from 2500 years ago, where the wisdom of Confucius.

"It should be said, so far, people may only feel a part of the essence." Year 79 years old, lives more than 60 years engaged in conservation work in the world-renowned Confucius expert, former Qufu City Cultural Relics Management Committee, deputy director of Fan-Silver said, "Time Ran Chi, the time in the future, people will understand this more deeply."

Honeymoon Bank will go to the World 10 flowers


REVIEW


Wedding the most romantic thing two people traveling together , the perfect travel must go to the most romantic place. The world beautiful landscapes has many , flowers , I'm afraid is your favorite romantic place.
 

Provence Lavender Garden


新婚蜜月行 必去世界10大花海
RomanticProvence, IntoxicatingLavenderflowers Provence lavender Provence in in southern France , from the date of birth to carefully possidetis guarding her secret , until the British Peter Mel the arrival of , Provence for a long time since the unique life style of the veil before Gradually opened. If travel is to get rid of of life the shackles , of Provence will make you forget all .
 

Hokkaido Flowers


新婚蜜月行 必去世界10大花海
When it comes to smell summer the taste of and wanted to review that once the smile , distance mottled longStone Slab, accompanied lonely soul slowly growing old , the mountains around the blue lavender, you are seven, and he lost the backpack and spend thank the season of sorrow hiding behind the ... ... in July in Hokkaido flowers, wasting away , that When I left But you turn to the right ... ...
 

Dutch tulip flowers


新婚蜜月行 必去世界10大花海
the flowering season The arrival of , Dutch the northern town of Si Haheng tulips and garden other flowers bloom , colorfulTulipfull bloom in the wind In , scent the air , although the tulips florid represent " hopeless love " but at the moment in front of beauty makes you drunk , I feel the world is full of love ... ...
 

Bulgarian Rose Valley


新婚蜜月行 必去世界10大花海
Bulgaria is a rose in the kingdom. Kazanlak city Bulgaria planting oil-producingRoseOne of the largest area, Rose Valley Rose Festival will be here June every year the first week of organized the festival parade will last 5 days , Rose Festival will be selected Rose Queen , Rose picking rituals , dance performances and parades and other activities.
 

Qinghai gate source rape


新婚蜜月行 必去世界10大花海
July 's door source, Qilian Mountains under a golden sea , the plateau on the common blue and white and the Qilian snow-capped mountains backdrop of , rape along the Ho Mun River achievements of breadth of the magnificent the unique wonders , endless golden was extremely gorgeous , It lament , like a giant picture , nearly acres of big color simple composition in full western flavor, overwhelming the dice gives a rich imagination.
 

Indian Sunflower Park


新婚蜜月行 必去世界10大花海
" even without catkins Because of the wind , the onlySunflowerJapanese dumping ! " legend of ancient One a farmer 's daughter Ming Jiaoming Regardless , by stepmother all sorts of abuse ill-treatment . Once angered stepmother, the night sleeping on the occasion were stepmother dug up his eyes. Ming Gu to break fled , and soon died , after the death of grave and open a brighter yellow , all day long for the sun, it is the sunflower. sunflower that tomorrow Regardless of longing for a bright , hate the dark meaning , which the legend motivates people hate of violence, darkness , the pursuit of light, so much of the world has a beautiful sunflower flowers , but of India just one of the representatives ... ...
 

Taiwan Dasi Flower Ocean Farm


新婚蜜月行 必去世界10大花海
Colorful flowers and quaint B & B together with fresh and funky the girl next door atmosphere , the two complement each other. Taiwan is probably not a farm , will be like Dasi display is the farm as there are so many teen-idol dramas to take over King . there Filmed" Green Forest "" My Secret Garden 2 "" Heaven 's Wedding Gown "" Love Xiang "" Dolphins fell in love with Cat "" Swept Ah Chu ", etc. More than 10 dramas .
 

Amsterdam Daisy flowers


新婚蜜月行 必去世界10大花海
    Daisy- Hidden LoveJun Ji-hyunStar of " Daisy , " I believe touched every audience the hearts of , but the movie beautiful daisy garden is that everyone can not forget , this daisy flowers in Amsterdam, the Netherlands , and every bloom , wooden bridges , streams Lining on the Into a piece of daisies , the United States have to let your soul emergence into the cloud ... ...
 

the United States Carlsbad Flowers of


新婚蜜月行 必去世界10大花海
This is a population of less than eighty thousand of the quiet town , located Los Angeles and San Diego between . because of of Southern California the climate Unique , to benefit from all year round the warmth of sunshine , once the spring, things quickly update , a time everywhere fly . The most famous , than the stunning Carlsbad flower fields .
 

Worcester County Bei Deli town of poppies


新婚蜜月行 必去世界10大花海
Worcestershire Bei Deli town of poppies in full bloom , such as red a sea , the endless field of poppies to attract the British painter, photographer and visitors.

This beautiful flower has been seen as sleep and death a symbol of - in" The Wizard of Oz "In Dorothy in the poppy flowers safely sleep , and newspapers often use poppies to commemorate Memorial . However, in Blackstone Farm the nature reserve , they are a symbol of hope , Worcestershire Wildlife Fund to encourage native plants and wildlife return of wilderness ... ...