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Swiss reject single health insurance

Monday, March 12, 2007

24 of 26 Swiss Cantons rejected the proposal for a single health insurance system, in which premiums would be based on income and wealth. The vote on Sunday was the latest in a series of attempts to cut rising costs and ease the financial burden on citizens.

Around 71% of voters rejected the reform. Turnout was at about 46%, slightly above the Swiss average.

As expected, voters in the main German-speaking part of the country turned down the planned reform, which was supported by the centre-left but opposed by the centre-right as well as the business community, parliament and the government.

Opposition in the French and Italian speaking regions was less pronounced. The cantons Jura and Neuchâtel in the French speaking regions voted in favor of the proposed reforms.

Health insurance premiums are higher in southern and western Swiss cantons than in German-speaking areas.

The Swiss Interior Minister Pascal Couchepin said an important part of the Swiss Population appeared to be opposed to “a revolution” in health insurance but he said that he wanted current reforms currently under discussion in the Swiss Parliament to go ahead. He called on all sides, especially health insurers and the cantonal authorities, to make efforts to reduce spending on health insurance and aim for a greater cost efficiency. Currently Switzerland has 87 private insurers providing mandatory basic health care coverage for Swiss residents under a 1996 law. But costs have sky-rocketed. Over 100,000 people are not covered by health insurance due to non payment.

To win the battle of the cost of health care, everyone must place his or her private interests behind the interests of the general public. -Pascal Couchepin at a news conference

Opponents to the initiative argued that a single insurance system would lead to complacency and create a two-tier system, in which the wealthy would be the only ones available to afford to have additional private insurance coverage.

Supporters of the initiative said a single health insurer would increase the system’s efficiency and allow for annual savings of at least 300 million Swiss Francs (about $245 million) in administrative costs. Currently, the funding system is unbalanced, since many clients on low incomes use state subsidies to pay their premiums, according to the Green Party and the Social Democrats.

The initiative to unite all the insurance companies and introduce premiums based on wealth and income was the most recent in a series of attempts over the past ten years to reduce the public spending on health care. A proposal, similar to this recent proposal, to modify the funding system of the health insurance companies was rejected by 73% of voters in 2003.

Switzerland has the most expensive health system in Europe. Switzerland’s expenditure on health care was 11.6% in 2005, in front of Germany and France but behind the United States.

Learn more about Swiss Federal Council and Voting in Switzerland on Wikipedia.
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Africans keep the leading position at 2008 Mumbai Marathon

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Africans keep the leading position at 2008 Mumbai Marathon
February 13th, 2022 | Uncategorized |

Sunday, January 20, 2008

The Standard Chartered Marathon, nicknamed “The Greatest Race on Earth“, held its third stage in Mumbai, India today. Because of the scorching hot weather in India, marathon runners had to adapt to the weather to overcome the challenge.

More than 30,000 runners participated in this race, joined by local NGOs and disabled who participated in a special charity short-distance running including 6km dream run, 4.3 km senior, and 2.5km wheel-chair classes. Gabriela Szabo, former Romanian Olympic Gold Medalist, named as charity ambassador of the race, was pleased by the participation from experts and NGOs.

An hour into the race, former champion Daniel Rono and Joseph Kimisi took the lead, but then Tariku Jifar from Ethiopia and defending champion John Ekiru Kelai took over Rono and Kimisi. After 40 kilometres, Kelai took a decisive lead and finally retained his champion title in 2 hours 12 minutes 22 seconds.

In the Women’s Group, Mulu Seboka from Ethiopia won the champion with 2H30m03s. Local runners Surendra Singh & Kavita Raut won the Men’s and Women’s Champions in the half-marathon class.

Division & Groups Men’s Group Women’s Group
South East Asia Dang Duc Bao Nguyen (Vietnam) 2:30’57” Pacharee Chaitongsri (Thailand) 2:55’29”
North East Asia Chin-chi Chiang (Chinese Taipei) 2:33’33” Xin Zhang (China) 2:53’59”
South Asia and Middle East Ajith Bandara Adikari Mudiyanselage (Sri Lanka) 2:24’07” Lakmini Anuradhi Bogahawatta (Sri Lanka) 3:04’21”
Africa John Ekiru Kelai (Kenya B) 2:12’22” Irene Kemunto Mogaka (Kenya B) 2:32’50”
Europe and Oceania Oleg Kharitonov (Russia) 2:30’55” Helen Stanton (Australia) 2:52’33”
America Paulino Canchanya Canchanya (Peru) 2:28’13” Rosangela Figueredo Silva (Brazil) 2:58’16”

Division & Groups Men’s Group Women’s Group
South East Asia Vietnam Thailand
North East Asia Chinese Taipei China
South Asia & Middle East India Sri Lanka
Africa Kenya B Kenya B
Europe & Oceania Russia Finland
America Peru United States
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Are Fha Loans The Replacement For Subprime Mortgage Lending?

February 13th, 2022 | Financial Solutions |

Submitted by: Max Fischer

The story of the collapse of the housing market is familiar to every American. How too many people took out subprime mortgages that they could not afford, and when home prices fell and adjustable interest rates rose millions of homeowners were forced into foreclosure. Today, many prospective homebuyers, especially those with poor credit, have heard about loan programs offered by the U.S. Federal Housing Authority (FHA).

Borrowers, especially those with poor credit, may wonder if FHA loan programs are a replacement for subprime lending. The risks and history of the subprime market make many borrowers jittery, but many consumers don t know the facts about FHA programs and what it takes to meet FHA qualification guidelines.

Subprime Mortgages

To compare FHA loan programs with subprime mortgages, you first need to understand the subprime market.

Subprime lending means making loans that are in the riskiest category of mortgage loans. Risk is determined by many factors including the borrower’s credit rating (typically a FICO score below 640), the size of the loan, the structure of the loan, the ratio of the borrower s debt to income, the ratio of loan to value, and the documentation on loans that do not meet Fannie Mae or Freddie Mac underwriting guidelines for prime mortgages (these are called “non-conforming loans”).

[youtube]http://www.youtube.com/watch?v=mFJChFepj18[/youtube]

In recent years, culminating in the 2006 and 2007, subprime lending grew into a huge segment of the mortgage industry. By March 2007 the total value of subprime mortgages in the U.S. was estimated at $1.3 trillion. But borrowers defaulted in record numbers, and by the third quarter of 2007 subprime adjustable-rate mortgages (ARMs), which comprised only 6.8% of U.S. mortgages, accounted for 43% of the foreclosures. Approximately 16% of subprime ARMs were either 90-days delinquent or in foreclosure. By May 2008 the delinquency rate was 25%.

The basic fact is that a subprime mortgage, just like a conventional mortgage, uses a house as collateral for the loan. If the loan defaults, foreclosure proceedings commence and the borrower ultimately is faced with losing their home. A U.S. government safety net is not part of the equation in this scenario.

FHA Loans Provide Insurance

The FHA can provide a safety net. But in contrast to banks and other lenders, the FHA does not make loans. It does not build, buy, or sell houses. To get a mortgage or a home equity loan, you have to go to a lender such as a bank, just as you have always done.

What is commonly called an “FHA loan” is really an insurance policy. If a borrower meets the FHA credit requirements, The FHA provides insurance to the lender and makes it possible for the lender to assume less risk. If the homeowner defaults, FHA will pay a claim to the lender.

How FHA Loan Programs Can Help You

If you are a poor credit risk, you may not qualify for the best (or prime) lending rates. Since the global financial crisis, lenders have tightened their requirements and many borrowers who qualified for subprime or even prime loan packages are being denied credit. What an FHA loan program can do for you is get you better terms from your lender and perhaps make the difference between getting a loan and being denied.

Here’s the process: when you go to an FHA-approved lender such as a bank or mortgage company, the lender may ask that you apply for FHA mortgage insurance. You may also request that you be considered for FHA mortgage insurance. A loan that is offered to you must meet certain requirements established by FHA to qualify for insurance. The FHA then investigates your finances and credit history. If you meet FHA credit requirements, the FHA insures the lending institution against loss of principal in case you fail to pay your mortgage. In some cases the lender may be able to give you a lower interest rate than you otherwise would have received.

If you have good credit you may not want an FHA loan because the FHA charges a small fee to you, the borrower, and therefore you may be able to get private mortgage insurance at a lower rate. But if you have poor credit, it is definitely worthwhile to consider an FHA loan.

About the Author: ConsumerFinanceReport.com features its own proprietary and original content covering a wide range of personal finance topics, an example of which is the article

will FHA loans replace subprime mortgages?

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loan modification

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Police remove valuables from unlocked cars

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Police remove valuables from unlocked cars
February 12th, 2022 | Uncategorized |

Thursday, August 27, 2009

Police officers in Richmond in south-west London, England are removing valuable items like handbags and laptops from unlocked vehicles and leaving notes telling owners to collect their items in Twickenham police station in a bid to try and encourage car drivers to lock the doors of their vehicles.

There is a high number of in-car thefts or “smash and grab” attacks in the borough. Last year, 1,300 of these attacks were reported in the area. 220 of those cases involved satellite navigation systems or sat-navs. But the numbers of these thefts occurring have been rising recently. The figure has risen by 40% until July.

25 cars have been targeted so far but there has been only one car where an item has been removed with a note left for the owner to collect it. If there is nothing on display but the car is unlocked the owner will be sent a letter telling them to be more careful. These tactics should only be attempted by police officers if they cannot find the owner nearby.

The project has received the backing of Richmond Council. A council spokesman from Richmond-upon-Thames said: “We have issues with theft in the borough — particularly theft from cars. We see our borough as a green and pleasant place. Car owners therefore can be lulled into a false sense of security in that they leave items displayed prominently in unlocked cars.”

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Ontario Votes 2007: Interview with Green Party candidate Brett McKenzie, London North Centre">
Ontario Votes 2007: Interview with Green Party candidate Brett McKenzie, London North Centre

February 11th, 2022 | Uncategorized |

Saturday, October 6, 2007

Brett McKenzie is running for the Green Party of Ontario in the Ontario provincial election, in the London North Centre riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

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Rhinoplasty Complications}

February 11th, 2022 | Facial Plastic Surgery |

Rhinoplasty Complications

by

[youtube]http://www.youtube.com/watch?v=8jvHgNB4HM0[/youtube]

Jhon Cena

Many people wish to undergo rhinoplasty to improve the appearance of their nose. Nose surgery should only be performed by a qualified surgeon, such as an appropriately trained ENT surgeon. Rhinoplasty can be quite demanding to perform due to the anatomical complexities of the nose and the skill required to produce natural looking results. Like with all types of nose surgery, there is also a risk of complications associated with the surgical procedure. In such cases the ENT surgeon may recommend further treatment, or even a second rhinoplasty.

Below are a number of complications that could potentially develop after rhinoplasty: – Nose bleed: It is relatively common for some patients to experience nose bleeds post operatively. This can happen within the first six to eight hours after rhinoplasty, or up to five to ten days after nose surgery. The bleeding can in most cases be stopped by simply placing packs in the nose. In very rare cases, patients may need to have another operation to stop the bleeding. – Infection: Like with all forms of surgery, infection is possible post rhinoplasty. If a patient experiences symptoms of infection such as fever, redness, blocked nose or sore throat post surgery, it is important that they consult with their general practitioner or ENT surgeon to ensure it can be appropriately treated. – Hole in septum: In rare cases, a hole in the septum (the thin wall that divides the two nostrils) can be caused by nose surgery. Generally, this condition does not cause much problem, and patients can continue with their daily lives in the usual manner. However, in some cases a hole in the septum may result in a whistling noise when a patient breathes, together with crusting, blockage and nose bleeds. In such cases, an ENT surgeon may recommend further nose surgery to repair the hole.- Numbness in Teeth: Another rare side-effect that can occur after rhinoplasty is a feeling of numbness in the teeth. In most cases this problem settles with time, and generally a visit to a doctor is not required. ENT London is a highly reputed ENT clinic in London that specialises in rhinoplasty. Led by Professor RS Dhillon, the team of highly qualified ENT surgeons at ENT London are fully accredited specialists registered with the UK General Medical Council. They bring with them a unique depth of expertise in the management of ENT disorders, and are committed to offering the highest level of patient care.

ENT London is run by leading Ear Nose and Throat (ENT) and Head & Neck surgeons from major London hospitals. Our ENT doctors specialise in Otology,

Nose Surgery

, Sinofacial pain, Voice disorders, Facial plastics, Head and neck surgery, abstructive Sleep Apnoea, Rhinoplasty and Nose Surgery. For more info visit: http://www.entlondon.co.uk/

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Pennsylvania state trooper found guilty of first-degree murder">
Pennsylvania state trooper found guilty of first-degree murder

February 11th, 2022 | Uncategorized |

Friday, March 20, 2009

In the United States, a suspended Pennsylvania state trooper has been convicted of first-degree murder for killing his girlfriend’s estranged husband.

Kevin Foley, 43, faces a mandatory life sentence without parole for slashing to death John Yelenic, a Blairsville dentist who was in the final stages of divorcing his wife, Michele. Foley’s attorney said he plans to appeal the decision. Prosecutors did not seek the death penalty.

Foley previously said he “loathed Dr. Yelenic” and asked another fellow trooper to help kill him. During his testimony, which lasted several hours, Foley claimed he was joking and had no true intention of carrying out the threat, but the Indiana County jury rejected that defense after about six hours of deliberations.

John Yelenic was found dead in his home on April 13, 2006, one day before he was planning on signing his divorce papers. Charges were brought against Foley in September 2007, more than 17 months after the murder.

Foley, who had been on suspension from the Pennsylvania State Police, was himself the final witness to take the stand Wednesday in the trial. Foley insisted he was innocent during his testimony, and even made jokes that the jury laughed at on a few occasions.

“I never made a threat with the intention of carrying it out,” Foley said under cross-examination by the prosecution.

When Senior Deputy Attorney General Anthony Krastek pressed Foley for what was funny about asking another state trooper to help him kill Yelenic, Foley answered, “There isn’t any joke. It’s just my personality, my behavior (with co-workers).”

Prosecutors said Foley killed Yelenic after going to the dentist’s house to confront him over the terms of the divorce. Prosecutors claim Foley slashed Yelenic several times with a knife and pushed his head through a small window. Yelenic bled to death.

“John has his justice tonight,” Mary Ann Clark, a cousin of Yelenic, told MSNBC. “John deserved this; he was the most wonderful person in the world. He died the most horrible death and tonight, this is his night. The system worked.”

Foley had been living with Michele Yelenic for two years at the time of the homicide. Prosecutors previously said Foley and Michele helped perpetuate rumors that Dr. Yelenic molested their son. John and Michele Yelenic had been separated in 2002. Michele Yelenic stood to collect Dr. Yelenic’s estate and a US$1 million life insurance policy, and could lose about $2,500 a month in support if the divorce was finalized, a Pennsylvania grand jury previously determined.

Michele Yelenic, who has not appeared at the trial, may face legal action herself, media reports indicated. A sentencing hearing for Foley is scheduled for June 1.

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Commonwealth Bank of Australia CEO apologies for financial planning scandal">
Commonwealth Bank of Australia CEO apologies for financial planning scandal

February 10th, 2022 | Uncategorized |

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

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Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide">
Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide

February 10th, 2022 | Uncategorized |

Wednesday, September 29, 2010

Joseph Cerniglia, a chef who had appeared on Gordon Ramsay’s television show Kitchen Nightmares, has commited suicide. Cerniglia was the owner of Italian restaurant Campania. He jumped off a bridge into the Hudson river on the New York–New Jersey border. At the time of filming in 2007, Cerniglia owed suppliers $80,000.

Officials reported that 39-year-old Cerniglia had jumped off of the George Washington Bridge into the Hudson. His death has officially been ruled as suicide. His body was retrieved from the river after reports of a man jumping off of the bridge.

Ramsay released a statement to the Press Association saying “I was fortunate to spend time with Joe during the first season of Kitchen Nightmares. Joe was a brilliant chef, and our thoughts go out to his family, friends and staff.”

Cerniglia told Ramsay about his personal debt when he came to the restaurant in 2007. He said “I am financially in trouble. The debt of the restaurant alone is overwhelming. My personal debt — wife, kids, mortgage — that’s a lot of debt”.

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Fast And Simple Chicken Recipes That Are Good For The Palette}

February 9th, 2022 | Tenders |

Fast and Simple Chicken Recipes That Are Good For The Palette

by

Stephen Francis

Chicken is one of the all time desired food. Both youngsters and adults relish having chicken whether in their sandwiches, salads, pasta, as appetizers, and as full meals. On the plus side, it is comparatively inexpensive and can be relatively easy to prepare. It’s a smart supply of protein, zinc and iron and depending on the preparation and cooking is comparatively healthier than red meat. You’ll be able to have a fulfilling meal with quick and simple chicken dishes. There are many of those recipes that you’ll be able to easily buy off the shelves of book stores or maybe read on the internet.

Dont worry an excessive amount of on the chicken components you are using. Believe me when I say that you simply will not run out of recipes for every chicken part. All you wish are the proper ingredients and you can have a delicious meal in no time. You’ll combine these simple recipes with some useful cooking methods which will build the whole process even easier and the ensuing dish much tastier.

For example, when baking or barbequeing chicken, it might be best to leave the skin on first to make the meat tastier. You’ll be able to take away the skin afterwards once you serve or eat it. Most of the fat of the chicken is stored in the skin. You can have a low fat chicken meal just by removing the skin. When you do prepare chicken dishes, I would recommend sticking with baking, broiling, and grilling. As much as possible, avoid frying the chicken. There are a lot more delicious and healthier ways in which to prepare and cook chicken other than frying so let us do that.

Lets see, you’ll be able to prepare a yummy chicken dish with cream of mushroom soup. What you do is place sliced and skinned chicken in a pot and mix a can of cream of mushroom soup. Add another can of mushrooms but make certain the water has been drained. Add water and onion soup mix into it. You’ll cook this in low fire till the chicken is tender. Add salt to taste. Whichs it. Although, this recipe might take longer since you will must cook the chicken in low fire to get that taste but the recipe is straightforward and therefore the preparation is simple.

If you are longing for noodles, you’ll add chicken into it to have a fuller meal. What you do is cut boneless and skinless chicken breasts into bite-sized pieces and saut it together with garlic, green pepper, some onions and mushrooms. Make sure the chicken is cooked already after you add the vegetables. In a very few minutes the veggies ought to be done as well. At this time mix in your tomato or spaghetti sauce. You’ll be able to cook your pasta while youre doing this so when you are done with the chicken, the pasta is al dente and ready to be served. Sauce your pasta and top with grated cheese or parmesan cheese.

If you like a completely different approach, is to combine olive oil into your pasta rather than spaghetti sauce. That sounds interesting. When you combine pasta and chicken it looks that you cant go wrong. Each dishes are very simple to prepare individually and combining the two is just simply mixing the dishes.

You see, by having some fast and simple chicken dishes in mind, you can save your family and yourself a lot of time in making ready your meals. Begin reading and looking for those quick recipes.

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Fast and Simple Chicken Recipes That Are Good For The Palette}

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