http://news.springhillcaregroup.net/2012/09/24/medicare-costs-continue-to-hold-steady/
The Medicare Advantage (MA) program has remained strong and is going to continue growing, with an expected 11% increase over the next year in terms of enrollment, according to Kathleen Sebelius, Secretary of Health and Human Services.
The Affordable Health Care System Act, passed in 2010, has resulted in an 18% increase in enrollment and a 10% decrease in premium cost for Medicare Advantage.
The Centers for Medicare & Medicaid Services (CMS), for the third year running, has used its power given by the Affordable Health Care System Act to keep beneficiaries from getting hit with high costs or benefit reductions. The money that beneficiaries are currently paying out of pocket has remained steady, and supplemental benefits have stayed the same.
The standard cost of an MA premium in 2013 will be $32.59, an increase from last year of only $1.47, but if beneficiaries opt for smaller cost plans in 2013 at the identical rate they did in 2012, their premium cost will only go up 57 cents.
99.6% of beneficiaries will have access to a plan through the Medicare Advantage program, and as of 2013, 7 more plan options will become available.
In 2013, the standard basic Medicare premium plan for prescription drugs will be roughly $30, the same as last year, according to CMS, and all people with Medicare will have a large range of options in terms of plans.
Under the Affordable Health Care System Act, generic and brand name medications involved in the Part D “donut hole” coverage break will steadily increase until the donut hole is closed in 2020.
Individuals with Medicare were awarded with 14% coverage on generic drugs in the donut hole, as well as a 50% reduction in cost for brand name medications this year.
Brand name medication coverage will start to grow in 2013, and result in a 53% cut of cost for these drugs in the donut hole. 21% of generic drugs will also be covered.
5.4 million Individuals with Medicare have saved upwards of $4.1 billion on prescription medications in the donut hole since the Affordable Health Care System Actwas legislated. In 2011, around 37 million people with Medicare were given a preventive benefit at no cost.
2012년 12월 19일 수요일
2012년 9월 19일 수요일
Lockerz: Bookrix: SPRINGHILL GROUP KOREA: NKorean Fishing boats said to violate sea boundary
http://lockerz.com/u/springhill.care4905/decalz/19033007/bookrix_springhill_group_korea_nkorean?ref=springhill.care4905
SEOUL, South Korea (AP) — North Korean fishing boats crossed the Koreas’ tense western sea boundary and retreated soon after being warned Wednesday in the second such violation this year, South Korea said. No fighting erupted though the border is one the North has long refused to recognize.
A North Korean government boat briefly crossed the boundary while trying to guide the seven fishing boats back to North Korean-controlled waters, a South Korean Defense Ministry official said on condition of anonymity, citing office rules. Later Wednesday, seven North Korean boats again violated the boundary, but they all sailed back after a warning was broadcast, the official said. It wasn’t clear whether they were the same seven boats that earlier crossed. Seoul says North Korean fishing boats last crossed in April.
The disputed sea boundary is not clearly marked, and incursions by North Korean military and fishing boats are not unusual. Violence often erupts in the seafood-rich waters, and three naval clashes since 1999 have taken a few dozen lives. After the Korean War ended nearly 60 years ago with a truce, not with a peace treaty, the U.S.-led U.N. Command divided the Yellow Sea without Pyongyang’s consent.
The boundary cut North Korea off from rich fishing waters, and Pyongyang has contested the line ever since. North Korea shelled a front-line South Korean island near the boundary in November 2010, killing four people. Earlier in 2010, an explosion ripped apart a South Korean warship in the area, killing 46 sailors. Seoul said Pyongyang torpedoed the vessel. North Korea denies responsibility.
SEOUL, South Korea (AP) — North Korean fishing boats crossed the Koreas’ tense western sea boundary and retreated soon after being warned Wednesday in the second such violation this year, South Korea said. No fighting erupted though the border is one the North has long refused to recognize.
A North Korean government boat briefly crossed the boundary while trying to guide the seven fishing boats back to North Korean-controlled waters, a South Korean Defense Ministry official said on condition of anonymity, citing office rules. Later Wednesday, seven North Korean boats again violated the boundary, but they all sailed back after a warning was broadcast, the official said. It wasn’t clear whether they were the same seven boats that earlier crossed. Seoul says North Korean fishing boats last crossed in April.
The disputed sea boundary is not clearly marked, and incursions by North Korean military and fishing boats are not unusual. Violence often erupts in the seafood-rich waters, and three naval clashes since 1999 have taken a few dozen lives. After the Korean War ended nearly 60 years ago with a truce, not with a peace treaty, the U.S.-led U.N. Command divided the Yellow Sea without Pyongyang’s consent.
The boundary cut North Korea off from rich fishing waters, and Pyongyang has contested the line ever since. North Korea shelled a front-line South Korean island near the boundary in November 2010, killing four people. Earlier in 2010, an explosion ripped apart a South Korean warship in the area, killing 46 sailors. Seoul said Pyongyang torpedoed the vessel. North Korea denies responsibility.
2012년 8월 6일 월요일
springhill group south korea, springhill group: Learn what a CFE can do for you - livejournal
http://mariaorico.livejournal.com/1289.html
In today’s economic climate, who will help you protect your company and your clients from the devastating impact of fraud?
Fraud can creep into your business in a number of ways.
You may find you need an objective expert to deter potential problems, investigate allegations or provide resolution.
A Certified Fraud Examiner (CFE) offers anti-fraud knowledge and skills you need to:
• Investigate allegations against one of your employees
• Recommend strong anti-fraud internal controls
• Conduct interviews related to sensitive issues
• Provide assistance with financial dispute resolution
• Resolve irregularities discovered during your company’s audit
• Provide expert testimony on financial and investigative matters
A Unique Set of Skills
Fraud Examiners have a unique set of skills that are not found in any other discipline; they combine knowledge of complex financial transactions with an understanding of law, criminology, investigation and how to resolve allegations of fraud.
CFEs work in a variety of disciplines including accounting, auditing, fraud investigation and security, as well as in different industry segments including government, healthcare, financial services, manufacturing and retail distribution.
CFEs are knowledgeable in four areas critical to the fight against fraud:
• Fraudulent Financial Transactions
• Criminology & Ethics
• Legal Elements of Fraud
• Fraud Investigation
Reduce Fraud Risks and Costs
Heightened fraud awareness, combined with new laws and regulations, has increased the already growing demand in the workforce for professionals who are highly skilled at deterring, detecting and investigating fraud.
CFEs have the ability to:
• Identify and reduce opportunities for fraud
• Implement effective anti-fraud controls
• Continuously improve anti-fraud measures based on new risks and technologies
• Educate employees to deter fraud and report wrongdoing
• Resolve allegations or suspicions of fraud
• Assist in the recovery of fraud losses
Experience and Integrity
The standards for CFE certification are set by the ACFE’s Board of Regents, who are elected by CFE members and drawn from the most experienced members of the profession. CFE candidates must hold a Bachelor’s degree from an accredited institution and posses two or more years of professional experience in a field related to fraud deterrence and detection.
The CFE Exam is a rigorous process, testing the knowledge of candidates in all areas of fraud examination. CFEs are required to acquire at least 20 credit hours of continuing professional education each year to ensure that they remain informed, empowered and educated.
Code of Ethics
As leaders who inspire public confidence in the integrity and objectivity of the profession, CFEs adhere to the Certified Fraud Examiners Code of Professional ethics.
The code includes:
• Commitment to professionalism
• Diligence in performance
• Avoidance of conflict of interest
• Testifying truthfully and without bias or prejudice
• Complete confidentiality
• Revelation of all material matters discovered during an examination
• Continued effort to increase the competence and effectiveness of professional services performed under his or her direction
see more http://springhillcaregroup.net/
Investor Center Report - livejournal
http://mariaorico.livejournal.com/1556.html
Protect Yourself Against Frauds and Scams, Identity Theft and Reduce Spam Email
May 30, 2012 | Author springhillcare
Scam, Frauds and identity theft are just some of the threats encountering by the internet users. For the new users this kind of occurrence during their search or conversation on the internet can give them quite idea that these are likely important and can simply hook them up in just a single click. So, if you are one of them and or think that you have been a witness of these blue moons or just simply to be aware about and safeguard yourself, below are the lists of activities or actions that you can take in order to put a fence on your side.
1. Do not use or carry a checkbook
When you are paying stuff, it suggests being it in cash or credit card. It’s safer to pay your bills through your bank or credit unification online bill paying service which is usually free.
2. Buy and use a paper cutter
Identity thieves actually go through homeowner’s trash to acquire personal information. For you to put off these thieves objectives, feel Secure to cut any documents that have your social security number or other financial information, such as the bank account number of yours, credit card numbers and the like that can possibly give these people your personal identity. If you don’t have paper cutter make use of an alternative through burning these documents completely.
3. Freeze your credit
This is to hands off scammers from opening unauthorized accounts in your name or identity. Even if your state is one of the few that does not allow freeze, you can still freeze your files at some of the leading major credit bureaus out there.
4. Make a Do-not-Call List
5. Make a statement to block credit card offers
6. Always put your Social Security card in a safe place
When you renew your driver’s license, make sure the DMV does not use your Social Security number as your driver’s license number.
7. Make use of a different email addresses
8. Use a separate email address
This is when you post messages to any public forum, such as newsgroups and mailing lists. Make an email account for such private conversation purposes and for another for your public identity to put a stop to this growing identity theft. Never use your personal email address in public because you might receive a number of different spams. You can periodically check this email account to see what spam is and what isn’t. A bonus is that Yahoo’s spam blocker is better than those from most ISP’s! And your main personal email address won’t be as clogged with spam. Some ISP’s like AOL and BellSouth.net give you multiple email accounts free with your paid service.
9. Do not give any financial information
Your money in the bank is the major goal of scammers. So when you are on the situation of asking somebody your financial account which reason is pleasing to the ear such as they are just to check your account and credit card number, specifically you social security number on the phone or online, unless you initiate the call and you know the organization you’re dealing with.
10. Do not put an interest into such “win a vacation”
Do not fill out the “win a vacation” and other promotions you see in stores and shopping malls. Upon writing or entertaining it can give you junk mailing list and guarantee calls from persistent, high-pressure salesmen.
11. Do not make an advance copy of your driver’s license, telephone, or social security numbers on your checks.
12. Report lost or stolen checks right away.
The bank can block payment on the check numbers that are missing. Also, review new checks you receive, to make sure none has been stolen in transit.
13. Store new and cancelled checks, credit card statements, medical bills, anything with confidential information, in a safe place and cut or burn them when you are done with them.
14. Secure your Personal Identification Numbers of Pin Numbers for your ATM and credit cards, and do not write on anything or keep your pins with your cards. You should also secure your ATM card and credit card receipts, for thieves might use it to have access on your accounts.
15. Use different cases in selecting Personal Identification Numbers for your ATM and credit cards, and passwords that allow you to access other accounts. Do not use birth dates, a part your Social Security number or driver’s license number, address, nor children’s or spouse names.
16. Make use of a good anti-virus software anti-adware software and a hardware firewall on your computer, and keep them up to date. You need all three. Almost all modern Routers (Dlink, LinkSys, NetGear, Buffalo, Airlink, etc.) have a hardware firewall built in. See the left side of this page for the current recommendation for ant-virus / anti-malware programs.
17. Don’t make an outgoing mail in your mailbox
Drop it into a secure, official Postal Service collection box. Thieves may use your mail to steal your identity.
18. Report to the company immediately, if regular bills fail to reach you.
Someone might give a false record of you and your family to divert your information to his or her address.
19. If your bills include suspicious charges, do not ignore it.
Instead, investigate immediately to head off any possible fraud before it occurs.
20. Check your credit report every day.
Federal laws enable you to acquire one form credit report from each of the 3 major credit reporting agencies per year.
21. Prefer to use disposable addresses
There are services online; some are free like SneakMail that provides you disposable addresses that can be deleted if they begin to receive spam messages. The disposable email addresses forwards email to a real email address of yours, but the sender cannot see this. If you create a unique address for each email newsletter or forum you subscribe to you can get rid of the address is it gets too much spam and just start using another email address.
22. Stop purchasing a product or render any services to any company that sends you spam.
Do not even visit their sites or ask for more information. Always bare in mind that, since they send out millions of spam emails, they only need a tiny fraction of responses to be profitable. And if that doesn’t convince you, consider this: the vast majority of spam “offers” are in fact scams.
23. Filter your email program
Outlook does this quite easily. When you open an email and realize that it is spam, just click on Actions then Create Rule, then select an appropriate action, such as “from” then click “Move e-mail to folder” and select the “Deleted Items” folder. That’s it! You’ll never receive email from that particular address or subject again.
- Do not post your address in HTML format
Otherwise you will be spammed, since address-harvesting spiders (programs) extract your email address from the website and add it to the spammer’s lists. Instead use feedback forms through PHP, ASP, or JSP that hide the email address, OR post the email address as a GIF (image file).
2. Do not get so exited
If someone emailed you or sends you message or acknowledgement that you win from lottery or any raffles from a “randomly selected from a database of email addresses.”Lastly, Multi-level marketing is a scam.
see more http://news.springhillcaregroup.net/
2012년 7월 14일 토요일
Google will Unveil Own Tablet - livejournal
http://mariaorico.livejournal.com/823.html
With the ongoing Google I/O developers conference this week will surely come a lot of surprises from the Internet giant, one of which is the anticipated unveiling of a tablet running on their equally new Android operating system, Jellybean.
Google seem to be doing what Microsoft did last week in its unveiling of Surface tablet.
“It seems Google’s trying to do what Microsoft did last week, which is basically tell their partners they no longer trust them to do things right.”
The 7-inch Asus-Google tablets will be made by Quanta Computer and will reportedly run on Jellybean, the latest version of Android’s mobile OS. The first of its kind from Google, the tablet could cost up to USD 250, which should be another reason for Amazon as well as Apple to be on the alert.
The Nexus 7 Google tablet will sport a 1.2 megapixel front camera, a 178 degree viewing angle, 1280×800 resolutions and 1Gb RAM with NFC capability (plus a Google Wallet feature for US customers). Its battery life could last up to 9 hours and will have the Nvidia quad-core Tegra 3 processor.
There will be an 8Gb and a 16Gb version, costing around USD 200 and USD 245. Australians could buy ahead of everyone else as it will be released there in July but no dates yet in the US.
Springhill Group Counselling has previously reported that Google might introduce its own voice assistant for its mobile devices, directly taking on Apple’s Siri on iPhone, and give a tech demo of its Project Glass.
Google seems to be under pressure to synergize its Android operating system for tablets and smartphones that has already suffered from “fragmentation” as rival device makers compete by putting creative spins on freeware. In comparison, developers could make applications that work on all Apple devices while Android developers are burdened with the need to adapt their apps to the different instances of the OS.
READ MORE
Google Faces Antitrust Suit in India
May 31, 2012 In The News
India’s Competition Commission confirmed that Google is undergoing an antitrust investigation after a match-making website filed a complaint against its “alleged discriminatory practices” in AdWords.
An Indian dating website has filed the complaint against the search engine giant, alleging that it has breached the country’s antitrust laws for its advertising unit, AdWords. The complaint accused Google of luring 2 Indian dating sites into a bidding war over its ad keywords in online search.
Consim Info, the company operating BharatMatrimony.com has filed the antitrust suit with the Competition Commission of India in February against Google, which, according to CCI, could last from 2-12 months.
The probe aims appears to be aimed at determining if there is any merit on the complaint filed against Google after the discovery of “prima facie evidence” showing how it had allegedly abused its market position by selling adwords to the complainant’s rival.
“We have asked the Director General (Investigations) to complete the probe and give a report on it within 60 days. Prima facie, we found evidence that suggests that Google did abuse its dominant market position,” said a senior official of CCI.
Like what had happened in other markets, Google has become a target by competitors who wish to crack its prominent ranking.
On the other hand, Google defended itself by saying that it has always cooperated with investigators. It has given a statement to Springhill Group Counselling: “Though competition is always a click away, we understand that with success comes scrutiny. We have not received any communication from the CCI, but we’re always happy to answer questions about our business, and we’re confident that our products are compliant with competition law in India.”
Google seems to be getting used in being the subject of regulatory scrutiny worldwide as more companies become irked by its business in online advertisement.
In February, a separate investigation into Google’s business was started by Springhill Group Counselling financial law enforcement agency in view foreign exchange regulations being allegedly violated.
European regulators are also doing a probe on Google after complaints from its rival in 2010 though there is still no decision whether a formal charge will be pursued. Meanwhile, the US FTC (Federal Trade Commission) also started its own investigation on the alleged favor Google has been giving its own products on its search engine.
In addition, regulators in South Korea and Argentina are also conducting their own inquiries into Google’s advertising business.
With the ongoing Google I/O developers conference this week will surely come a lot of surprises from the Internet giant, one of which is the anticipated unveiling of a tablet running on their equally new Android operating system, Jellybean.
Google seem to be doing what Microsoft did last week in its unveiling of Surface tablet.
“It seems Google’s trying to do what Microsoft did last week, which is basically tell their partners they no longer trust them to do things right.”
The 7-inch Asus-Google tablets will be made by Quanta Computer and will reportedly run on Jellybean, the latest version of Android’s mobile OS. The first of its kind from Google, the tablet could cost up to USD 250, which should be another reason for Amazon as well as Apple to be on the alert.
The Nexus 7 Google tablet will sport a 1.2 megapixel front camera, a 178 degree viewing angle, 1280×800 resolutions and 1Gb RAM with NFC capability (plus a Google Wallet feature for US customers). Its battery life could last up to 9 hours and will have the Nvidia quad-core Tegra 3 processor.
There will be an 8Gb and a 16Gb version, costing around USD 200 and USD 245. Australians could buy ahead of everyone else as it will be released there in July but no dates yet in the US.
Springhill Group Counselling has previously reported that Google might introduce its own voice assistant for its mobile devices, directly taking on Apple’s Siri on iPhone, and give a tech demo of its Project Glass.
Google seems to be under pressure to synergize its Android operating system for tablets and smartphones that has already suffered from “fragmentation” as rival device makers compete by putting creative spins on freeware. In comparison, developers could make applications that work on all Apple devices while Android developers are burdened with the need to adapt their apps to the different instances of the OS.
READ MORE
Google Faces Antitrust Suit in India
May 31, 2012 In The News
India’s Competition Commission confirmed that Google is undergoing an antitrust investigation after a match-making website filed a complaint against its “alleged discriminatory practices” in AdWords.
An Indian dating website has filed the complaint against the search engine giant, alleging that it has breached the country’s antitrust laws for its advertising unit, AdWords. The complaint accused Google of luring 2 Indian dating sites into a bidding war over its ad keywords in online search.
Consim Info, the company operating BharatMatrimony.com has filed the antitrust suit with the Competition Commission of India in February against Google, which, according to CCI, could last from 2-12 months.
The probe aims appears to be aimed at determining if there is any merit on the complaint filed against Google after the discovery of “prima facie evidence” showing how it had allegedly abused its market position by selling adwords to the complainant’s rival.
“We have asked the Director General (Investigations) to complete the probe and give a report on it within 60 days. Prima facie, we found evidence that suggests that Google did abuse its dominant market position,” said a senior official of CCI.
Like what had happened in other markets, Google has become a target by competitors who wish to crack its prominent ranking.
On the other hand, Google defended itself by saying that it has always cooperated with investigators. It has given a statement to Springhill Group Counselling: “Though competition is always a click away, we understand that with success comes scrutiny. We have not received any communication from the CCI, but we’re always happy to answer questions about our business, and we’re confident that our products are compliant with competition law in India.”
Google seems to be getting used in being the subject of regulatory scrutiny worldwide as more companies become irked by its business in online advertisement.
In February, a separate investigation into Google’s business was started by Springhill Group Counselling financial law enforcement agency in view foreign exchange regulations being allegedly violated.
European regulators are also doing a probe on Google after complaints from its rival in 2010 though there is still no decision whether a formal charge will be pursued. Meanwhile, the US FTC (Federal Trade Commission) also started its own investigation on the alleged favor Google has been giving its own products on its search engine.
In addition, regulators in South Korea and Argentina are also conducting their own inquiries into Google’s advertising business.
ABOUT US-SPRINGHILL GROUP COUNSELLING - livejournal
http://mariaorico.livejournal.com/1120.html
Springhill Group Counselling aims to educate the public about counselling and psychotherapy, and through the provision of information seeks to facilitate the process for clients before and during therapy.
We are happy to discuss any queries or concerns which you may have about therapy or the process.
Please contact us via email at info@springhillgroupcounselling.com
2012년 7월 13일 금요일
Springhill Care Group - Southfield on YELP
http://www.yelp.com/biz/springhill-care-group-southfield
Springhill Group look to cater to the special requirements of each person citizen and any changing circumstances that occur throughout their time living in our care. This gives families the comfort that their loved one has the support and care.
Springhill Care Group
Town Center
Ste 1900
Southfield, MI 48075 (248) 351-2600
Ste 1900
Southfield, MI 48075 (248) 351-2600
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