Apartment Therapy Chicago | How To: Make an Inventory of Your Home ... And Use It to Declutter
http://www.apartmenttherapy.com/chicago/how-to/how-to-make-an-inventory-of-your-home-and-use-it-to-declutter-077263

A home inventory list serves multiple purposes. It provides documentation of your belongings for an insurance company if your home is burglarized or damaged

Protecting your family from financial disasters is one of the fundamental components of financial planning. Life insurance should be a core part of that planning process. This article is a basic primer on life insurance, which should introduce you to the concept and give you an idea of how life insurance works.

INSURANCE

This article is a basic primer on life insurance, which should introduce you to the concept and give you an idea of how life insurance works.

An ex-pat Canadian debunks myths about the Canadian health care system.

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"Myth: Canada's health care system is a cumbersome bureaucracy. The U.S. has the most bureaucratic health care system in the world. More than 31 percent of every dollar spent on health care in the U.S. goes to paperwork, overhead, CEO salaries, profits, etc. The provincial single-payer system in Canada operates with just a 1 percent overhead. Think about it. It is not necessary to spend a huge amount of money to decide who gets care and who doesn't when everybody is covered."

Wendell Potter explains exactly hoe the health insurance companies are fucking you.

With almost 20 years inside the health insurance industry, Wendell Potter saw for-profit insurers hijack our health care system and put profits before patients. Now, he speaks with Bill Moyers about how those companies are standing in the way of health care reform.

Wendell Potter

Wendell Potter, former executive at Cigna, talks about the power of the health care lobby and the way the industry manipulates congress to increase the fortunes of their shareholders, at great public cost.

"This problem is made worse by the fact that actually paying for your health care is a loss from an insurers’ point of view — they actually refer to it as “medical costs.” This means both that insurers try to deny as many claims as possible, and that they try to avoid covering people who are actually likely to need care. Both of these strategies use a lot of resources, which is why private insurance has much higher administrative costs than single-payer systems. And since there’s a widespread sense that our fellow citizens should get the care we need — not everyone agrees, but most do — this means that private insurance basically spends a lot of money on socially destructive activities."

There are a number of successful health-care systems, at least as measured by pretty good care much cheaper than here, and they are quite different from each other. There are, however, no examples of successful health care based on the principles of the free market, for one simple reason: in health care, the free market just doesn’t work. And people who say that the market is the answer are flying in the face of both theory and overwhelming evidence.

atode

The House hearings on rescission – the retroactive cancellation of individual health insurance policies – were over a month ago, but after its initial run through Daily Kos it seems to have waited a bit before popping up on Baseline and Slate. James Kwak at Baseline described the practice as rare, affecting only 0.5% of the population. The faint light bulb above my head began to flicker: could that be true…that’s not rare – that is amazingly common.

Rescission is not rare, if you happen to be sick.

rescission – the retroactive cancellation

The House hearings on rescission – the retroactive cancellation of individual health insurance policies – were over a month ago, but after its initial run through Daily Kos it seems to have waited a bit before popping up on Baseline and Slate.  James Kwak at Baseline described the practice as rare, affecting only 0.5% of the population.  The faint light bulb above my head began to flicker: could that be true…that’s not rare – that is amazingly common.

"The House hearings on rescission – the retroactive cancellation of individual health insurance policies – were over a month ago... James Kwak at Baseline described the practice as rare, affecting only 0.5% of the population. The faint light bulb above my head began to flicker: could that be true…that’s not rare – that is amazingly common."

But I will make this simple point in the hope some speechwriter pressed for a deadline picks it up: if a bank manager went to half of his highest net worth clients and said “sorry, you misspelled your address when you opened your account, I’m confiscating your balance,” he would be lucky to get himself assigned to minimum security

If, as I suspect, rescission is targeted toward the truly bankrupting cases – the top 1%, the folks with over $35,000 of annual claims who could never be profitable for the carrier – then the probability of having your policy torn up given a massively expensive condition is pushing 50%. One in two. You have three times better odds playing Russian Roulette.

For the birther/townhaller crowd: http://www.whitehouse.gov/realitycheck/ [from http://twitter.com/foolsby/statuses/3267512826]

WhiteHouse.gov is the official web site for the White House and President Barack Obama, the 44th President of the United States. This site is a source for information about the President, White House news and policies, White House history, and the federal government.

this is homebase, but they are using their social media channels to drive people back to homebase.

With a projected $1.8 trillion deficit for 2009, several trillions more in deficits projected over the next decade, and with both Medicare and Social Security entitlement spending about to ratchet up several notches over the next 15 years as Baby Boomers become eligible for both, we are rapidly running out of other people's money. These deficits are simply not sustainable.

Testify brother, I think only business owners truly understand the ideas of free markets.

Here's what the CEO of Whole Foods actually said.

I’m a businessman, and in no sense a health-care expert. But the persistence of bad industry practices—from long lines at the doctor’s office to ever-rising prices to astonishing numbers of preventable deaths—seems beyond all normal logic, and must have an underlying cause. There needs to be a business reason why an industry, year in and year out, would be able to get away with poor customer service, unaffordable prices, and uneven results—a reason my father and so many others are unnecessarily killed.

rapture

hilarious - but I wonder how much money they have collected.

You've committed your life to Jesus. You know you're saved. But when the Rapture comes what's to become of your loving pets who are left behind? Eternal Earth-Bound Pets takes that burden off your mind. We are a group of dedicated animal lovers, and atheists. Each Eternal Earth-Bound Pet representative is a confirmed atheist, and as such will still be here on Earth after you've received your reward. Our network of animal activists are committed to step in when you step up to Jesus.

After the Rapture

You've committed your life to Jesus. You know you're saved. But when the Rapture comes what's to become of your loving pets who are left behind? Eternal Earth-Bound Pets takes that burden off your mind.

As Americans search for the cure to what ails our health-care system, we've overlooked an invaluable source of ideas and solutions: the rest of the world. All the other industrialized democracies have faced problems like ours, yet they've found ways to cover everybody -- and still spend far less ...

health reform bill chain-email includes 26 lies, 18 misleading statements, 4 truths. this lists all of them.

"A notorious analysis of the House health care bill contains 48 claims. Twenty-six of them are false and the rest mostly misleading. Only four are true."

We examined each of the e-mail’s claims, finding 26 of them to be false and 18 to be misleading, only partly true or half true. Only four are accurate.

ironie

Satirical video related to the health insurance debate. A funny take on one of the stakeholders.

video to watch

Hollywood speaks out to help insurance companies ... Watch videos about Will Ferrell, Jon Hamm, Olivia Wilde, Thomas Lennon, Robert Ben Garant, Masi Oka, Jordana Spiro, Linda Cardellini, Donald Faison, PSA, insurance, health care, obama, bill, coverage, executives, money, democrats, republicans, congress on FunnyOrDie.com

Fully $350 billion a year could be saved on paperwork alone if the U.S. went to a single-payer system — more than enough to pay for the whole goddamned thing, if anyone had the balls to stand up and say so.

This article is an opinion piece writton the criticisms and downfalls of the healthcare plan. It is an important site, because the health care reform policy promotes itself, so it is important the the public is exposed to both opinions and both sides of the health care reform system. The article stresses the critical state of America's healthcare system and expresses its need for reform. However, the piece stresses that Obama-Biden health care reform policy will only hurt the health care system further.

Matt Taibbi, right on as usual (and rightly pissed off)

RollingStone

Draw a perfect sketch of the accident online just with a few mouse clicks and add your sketch to your personal digital accident report. Including helpful advices for your settlement of claim.

AccidentSketch uses a simple template system. Cars, road segments, signs, pedestrians, and more all snap to the grid and in the case of small objects like signs can be moved from there. You can change the colors of things, zoom in and out to get as close or wide as you need, and even assign information to parties involved like the license plate numbers of the cars in the accident. Once you create a diagram you can also generate a text-based report to fill in details that can't be easily conveyed by the picture. When you're done you've got a tidy accident sketch and report to submit to the interested parties. The service is free and requires no registration.

ブクマと次のエントリも

前にブクマした気がしたけどしてなかった

死亡・後遺障害の保険金額がめちゃめちゃ高いプラチナカードを一枚だけ持つよりも、自動付帯で疾病・傷害治療費の保険金額がそこそこ高い年会費無料カードを複数持つ方が断然イイ。

手持ちの見直してみるかな　＞とにかく傷害・疾病の保険金額が一番大事　自動付帯じゃないと意味がない

Tips on credit cards AND travel insurance

Suggests getting a Capital One card.

But why pay any fees at all? To keep from handing banks money unnecessarily (isn’t the bailout enough?), I also keep a money market account at Capital One Direct Banking, which charges nothing (and earns me No Hassle rewards points). I linked this Capital One online account to transfer money regularly from my Bank of America account. The transfers can take awhile — up to a week — so I always make sure to get that under way well in advance.

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cool website, and cool downloads.

Official information and services from the U.S. government.

Access government resources on health care, insurance, diet, fitness, public health, and more.

this site will help providing care, benefits, long-distance caregiving, legal matters, support for caregivers in an online atmosphere that will give you information about how the healthcare debate rages on .

great case study to follow for primelink/relland

Case history for UK financial comparison company

A federal government Website managed by the U.S. Department of Health & Human Services 200 Independence Avenue, S.W. - Washington, D.C. 20201

Healthcare.gov is a new online portal where anyone can go to find insurance options in their state, went live. It's a very handy resource for information that used to be difficult to find. It's available to help millions who need insurance find it, and as a resource for those who want to shop around for new options or find out their new benefits under the new law. (a federal government Website managed by the U.S. Department of Health & Human Services)

neutral reference on health insurance under new laws

While strong AI still lies safely beyond the Maes-Garreau horizon1 (a vanishing point, perpetually fifty years ahead) a host of important new developments in weak AI are poised to be commercialized in the next few years. But because these developments are a paradoxical mix of intelligence and stupidity, they defy simple forecasts, they resist hype. They are not unambiguously better, cheaper, or faster. They are something new. What are the implications of a car that adjusts its speed to avoid collisions … but occasionally mistakes the guardrail along a sharp curve as an oncoming obstacle and slams on the brakes? What will it mean when our computers know everything — every single fact, the entirety of human knowledge — but can only reason at the level of a cockroach?

New Developments in Artificial Intelligence: Man vs. Google #AI http://bit.ly/9LbS0q $$

What are the implications of a car that adjusts its speed to avoid collisions … but occasionally mistakes the guardrail along a sharp curve as an oncoming obstacle and slams on the brakes? What will it mean when our computers know everything — every single fact, the entirety of human knowledge — but can only reason at the level of a cockroach?

Impressive essay on artificial intelligence.

Think of how stupid the average person is, and realize half of them are stupider than that.

While strong AI still lies safely beyond the Maes-Garreau horizon1 (a vanishing point, perpetually fifty years ahead) a host of important new developments in weak AI are poised to be commercialized in the next few years. But because these developments are a paradoxical mix of intelligence and stupidity, they defy simple forecasts, they resist hype. They are not unambiguously better, cheaper, or faster. They are something new. What are the implications of a car that adjusts its speed to avoid collisions … but occasionally mistakes the guardrail along a sharp curve as an oncoming obstacle and slams on the brakes? What will it mean when our computers know everything — every single fact, the entirety of human knowledge — but can only reason at the level of a cockroach?

New Developments in Artificial Intelligence: Man vs. Google #AI http://bit.ly/9LbS0q $$

What are the implications of a car that adjusts its speed to avoid collisions … but occasionally mistakes the guardrail along a sharp curve as an oncoming obstacle and slams on the brakes? What will it mean when our computers know everything — every single fact, the entirety of human knowledge — but can only reason at the level of a cockroach?