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Any single government health insurance company as an answer to the medical care crisis is a near-sighted mistake that will cause costs to mushroom. What we need is competition, innovation and streamlining insurance companies into using inventive and far-reaching alternatives.

In order to stimulate competition, a voucher system, similar to the proposed school voucher system whereby a parent is given $9,000 to send his or her student to the school of their choice (excluding U.S. Islamic brainwashing schools, of course). A competitive appropriate amount could be given each family to spend on the insurance provider of their choice. But, its the bookkeeping costs many worry about.

Innovations for patient outsourcing could lower insurance costs. For instance, some Canadian hospitals do appendices operations of 80% less than U.S. hospitals and because they specialize in that procedure, their recovery rate is 92% greater than those of most U.S. hospital. At 80% savings, and better rate of recovery, thats a deal! Also, Indian and many other foreign hospitals deliver the same or better treatment than those found in the U.S. and at amazing savings. Its multiple times cheaper to put a patient on a plane and outsource them for treatment. That would appeal to many a policyholder in return for a lower health insurance premium expense

For others, a $10,000 or $20,000 deductible makes more sense if they could receive a cost benefit. After all, what they want protection against is the BIG one, the expensive 6 months in the hospital one. For many, the little stuff can be handled out of pocket. Many states dont allow high deductibles. Too often states hamstring insurance companies with restrictions and practices. The federal government needs to enforce all states to allow free competition without restriction for health insurance entities in order to broaden the mix.

How about allowing insurance companies into every state that only recruits athletes, non-smokers, non-drug users, fit folks, monogamous folks who dont sleep around and get STDs and such. Their actuarial cost would prove lower and result in lower premiums.

The elimination of restrictive American Medical Associations standards is mandatory. Too often highhanded restrictions eliminate competition. Perhaps constricting entry into the marketplace makes the doctor more god-like because perhaps of their rarity is someones idea of progress. Ive seen kids who flunked out of school become excellent type A auto mechanics and Ive seen A student medical doctor give the bad advice, commit unneeded operations for the extra buck and perform the dumbest acts.

Auto models change every year. Parts change, technologies change. The human body basic model stays the same. It seems the auto mechanic often has more to consider and manipulate than medical doctors do. Perhaps mistakes are more costly for the doctor if the patient dies. Barring heart surgery and rebuilding an entire engine, most medical specialty procedures become routine.

The 80:20 rule applies with doctors as well as auto mechanics. The top tier is the best and from the school of care and that approximate ratio is found in every profession and occupation. The bottom tier also exists in every occupation and profession. Making someone go through 8-years of school does not make them a better doctor. A man or women with commitment care and hands on training does.

Or put it another way. If one reads the electrical code, completely wires a house, installs the switches and electric panels, mast and all devices in 4 or 5 houses and gets approval by the electrical inspector, what more is there to learn about wiring a home? Yet it takes a 5-year apprentice program before states allow that person to become a licensed electrician. And theyre licensed and charge more. Becoming a master carpenter is harder to learn, will take longer on the job experience to master all the ins and outs and they get less pay and, by the way, theyre not licensed.

The AMA limits doctor competition to universities by enrolling only A students and requiring long years of study. High. C students in the U.S. who want to become medical doctors have to go to India, Grenada and other foreign countries and then return through the back door and apply their trade. If auto mechanics followed suit, it would cost a fortune to repair cars.

By increasing enrollment in medical schools and streamlining certifications, more doctors would be available. More competition would reduce doctor costs to the individuals and deliver more care. Licensing has become ridiculous to the point that you need to hire a $250 a visit podiatrist to cut someones toenails and Medicare will pay for it!

Consumer advocates need to tie up special interest groups in Washington and elsewhere to streamline common sense and competitive health insurance measures into the market place.

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Commercial vehicle insurance is needed insurance protection for owners and users of commercial vehicles. Commercial vehicles are vans, business, cars, or equipment vehicles used in conjunction with a commercial or business purpose. Just as consumer motorists need insurance protection to cover their autos, business owners need protection to cover the repair and liability costs that are a part of operating and using a commercial vehicle.

Business owners need to consider both their coverage requirements and budgets when looking for the right commercial vehicle or van insurance for their vehicles. An insurer that specializes in commercial vehicle insurance is able to successfully communicate the various coverage options and costs to buyers. A business owner needs to consider their insurance requirements prior to the purchase of a commercial vehicle, if possible. Certain types of vehicles may require specific coverage. A customer should explore the benefits and costs of coverage and take them into consideration before purchasing a vehicle for commercial use.

Van and haulage are two of the more common types of commercial vehicle insurance. Many companies use vans as part of the every day performance of their business. Other companies haul equipment or other items to perform business operations. There are a variety of general and specialty commercial insurance plans available, however, to protect users of a variety of vehicle types.

While some features of commercial vehicle coverage are necessary and are unavoidable with regard to premium costs, there are some tips that are helpful in reducing costs of commercial vehicle coverage. The best way to reduce premium costs on an ongoing basis is to avoid claims. As is the case with all insurance protection, insurers base much of premium costs on the amount of risk for claim by the insured. Many commercial insurers offer discounts anywhere from 20-60% for no claims over time.

Another important factor that affects premium costs is the number of drivers covered by the policy. Some businesses have many drivers of their vehicles, but if a business can restrict the number of drivers of a specific vehicle, an insurer often offers big discounts if it only has to cover a few drivers.

For companies that carry goods, tools, or other items in their commercial vehicles (like the back of a van), commercial vehicle insurance does not cover these items. Some type of 'goods in transit' insurance protection is required if a customer wants to protect expensive tools or other business items. This cover would protect against stolen items, or items damaged in transit.

Commercial vehicle insurance costs add to the expense of doing business. However, the benefits of protection provide long-term viability that overcomes the up front premiums that owners pay. It is important the business owners consult with knowledge providers who specialize in commercial vehicle insurance protection. Experts in this type of protection can help find the right coverage benefits to protect the business from risk. They can also help customers find the most affordable solutions.

Jason Hulott is Editor of Protection Insurance, please drop by for protection insurance and van insurance. Visit http://www.protection-insurance.com

What is the most practical ways to increase fuel economy for cars? It has been a very bumpy ride on the global crude oil prices. Future supplies are limited and the demand is keep on increasing. No wonder gasoline prices are sky rocketing because every country is trying to get their hands on the black gold. The ones who are most affected by this phenomenon are the common car owners. The only way to solve this problem is to use the public transportation or find a way to increase the fuel economy for our cars. This article will share an idea on how to do that.

Since the invention of the internal combustion engine, our vehicles are totally dependent on fossil fuel. Our options to save money is either make the engine more efficient or find an alternative fuel source. One suggestion is to use hydrogen gas (H2). H2 can be used on cars by extracting it from water with electrolysis process. Hydrogen gas is highly flammable and its properties are excellent to replace gasoline. However, to run a car on purely H2 is not very feasible yet. To power an engine with hydrogen gas mixed with gasoline vapor is possible. The enriched mixture is capable of producing a bigger engine output. More power from the engine means better mileage thus saving fuel and money.

How can a car be converted to run on hydrogen gas? The process can be done quite easily. Most of the components needed are available from a hardware store. You will need a budget of around $150. Most modification guides are available from the internet. What is needed is some hand tools and the patience and dedication to complete the project. With gasoline prices reaching its all time high, any idea that can increase the fuel economy of our cars will be a blessing.

Are you spending more and more money on fuel for your car? Use water as fuel to Increase Fuel Economy for Cars Read the reviews on top online resources to convert your car to run on water at http://www.water-car-review.info

The travel industry has weathered mammoth upheavals and has metamorphosed into a mega industry that generates over $700 billion in total expenditures.Travel has become the world's most dynamic product and one of America's greatest assets. And the major catalyst for its revolutionized breakthrough is the people's unbridled passion for wanderlust.

The advent of the Internet in the 1990s saw the evolution of a network of home based travel businesses as the travel industry was one of the earliest to go online. Based on actual research, these are identified as the growth opportunity of the 21st century. And since more than 79 million American adults purchase travel products online, to try to score a slice of this lucrative market does not seem to be a bad idea afterall. But what really makes this opportunity a solid money maker?

1. Travel is an in-demand product. It plays a rhythmical and adrenalyzing role in may people's lives. Every minute in the United States, $1,110,000 is spent by resident and international tourists on travel and tourism. Almost 640 million passengers board one of the nation's 24,535 flights each day, 2.6 million hotels rooms are occupied each night, and more than 80 percent of the nation's 1.8 million rental cars are used for business or leisure activity daily.

2. Income is unlimited. The more gruntwork you undertake, the more revenues you accrue. Coupled with entrepreneurial flair, only you can determine the farthest point your bankroll can reach. The earning potential for any travel business opportunity will prove to be seamless if the marketing tools it provides are wisely utilized.

3. As a home based travel business, you incur less overhead expenses than your traditional counterpart. And per accounting parlance, less expenses, more profits. You don't pay exorbitant rent because you convert one of your bedrooms into your work area. And you don't need to replenish your wardrobe because there's no dress code to observe.

4. Such opportunities offer an awesome steady, passive residual income program that will sustain you for the rest of your earthly life.

5. A home based travel business encounters lesser risks. With high profit margins and minimal promotion and advertising costs, possibility of failure is infinitesimal.

6. Market is limitless. People from all walks of life consider travel as a necessity. In fact, 91% of Americans take vacations every year.

There are umpteen other reasons why Cruise to Cash may spell the end to your quest for a thriving home based travel business, and if you want to look up the lucre that this latest innovation in travel marketing offers, you may go to Cruise To Cash Home Travel Business and get a luscent glimpse of its concept now.

J. Mendez is the editor of BusinessMentor.ws, a company established by JT Keys, Cruise To Cash Home Based Travel Business mentor that has been building turnkey ecommerce websites and marketing in the Internet for the last 9 years.

When you are traveling with children, extra preparation is required to make your trip go as smoothly as possible. Whether you are traveling across state or across the world, advance planning will help to insure that you and your children can arrive safely and without too much stress.

When flying, always let the ticketing agent know you are traveling with children. They will often issue you pre-boarding passes which will allow you to enter the plane first. You should also plan in advance so that you can make sure your seats are together. If your child is prone to ear infections or motion sickness, discuss options with your pediatrician in order to avoid these problems on the flight. Some parents prefer to fly on nonstop flights because you do not have to switch planes or deal with layovers. However, some people think that having a break can help their children relax, get some food, and settle down before traveling on the next leg. If your children are young, make sure you bring car or booster seats with you, or arrange to have them included with your car service.

After securing your travel arrangements, you will want to begin packing for your trip. If you travel often, you should consider purchasing some quality luggage. Samsonite luggage, for instance, is quite durable and will hold up through repeated travel with children. Child size luggage is also available and can help children feel included and grown up. You should pack a few extra outfits for each child in case of accidents. Place each outfit in a zip-lock bag and write the childs name on the outside. Remove the air from the bag, making it as flat as possible. This will allow you to pack more into each suitcase.

You should also bring a carry-on bag for each child. Pack a complete change of clothes for each child in their bag. Books, coloring books and crayons, and electronic toys can help the flight go quickly. Make sure you pack headphones for each child, as well as extra batteries. You should consider packing snacks and a water bottle or juice box for each child as well.

Dont forget to label everything and include an address label inside the luggage. Discuss with your children what to do in case they are separated from you.

Traveling with children requires a few extra steps in order to be prepared, but it is worth it when you can enjoy a family vacation together.

Natalie Aranda writes about travel. When you are traveling with children, extra preparation is required to make your trip go as smoothly as possible. Whether you are traveling across state or across the world, advance planning will help to insure that you and your children can arrive safely and without too much stress. After securing your travel arrangements, you will want to begin packing for your trip. If you travel often, you should consider purchasing some quality luggage. Samsonite luggage, for instance, is quite durable and will hold up through repeated travel with children. Child size luggage is also available and can help children feel included and grown up.