If you have recently bought a new vehicle and it is giving you sleepless nights because it seems to have a chronic disease that just will not go away even after repairs, then, you need to be thinking about law lemon. This is a law that help people like you get the value for your money. Lemons are common and they are defective vehicles that a car manufacturing company has sold to the public knowingly or unknowingly. For a car to qualify to be a lemon in Illinois, it must have under gone at least 4 repair rounds and still the problem persisted. It must have laid in the garage for 30 consecutive days without serving you. If your new car has these symptoms then you qualify to follow the Illinois law lemon.
The law covers new cars whether new or leased, light truck or vans under 8,000 pounds are also covered. It covers recreational vehicles and vehicles purchased in Illinois. Vehicles must have their warranties and therefore must not be more that a year old. The Illinois law lemon does not cover motorcycles, boats or altered and modified vehicles. The law does not also cover used vehicles. The law can be found under the Illinois lemon law statues chapter 815 section 380. You will read about definitions and get to see what the law is all about. You need to study your car manual carefully and read all about the third party dispute resolution program. The first thing after you have understood the program contact the manufacturer and present your case.
The program was started by motor vehicle manufacturers for this purpose. A complainant is advised to be very wary and the dispute board or the dispute resolution program can rule against the lemon car owner and at this point, you can file a civil suit against the manufacturing company. The Illinois attorney general advises you to hire a private lawyer who can present your case. The dispute board can also choose favor you and you get to win the case. You will therefore be compensated or the vehicle replaced. People who think they can make money out of these claims might be disappointed because the process may be tedious any you might use too many of your resources just to confirm that you are not a legitimate lemon owner.
There are documents that you need to store safely if you want the Illinois law lemon to work well in your favor. The warranty is very vital because it confirms that the vehicle did not make the time required for it to be considered totally fit. Repair orders will also prove that you attempted to repair the car. Remember to keep all the orders because you need to have repaired the car at least four times to qualify for a compensation. All other documents pertaining to the car must also be kept safely. Once you notice the car is a lemon, do not attempt to make severe changes or modifications because the manufacturer can argue that you ruined most of the original contents of the vehicle. You must also constantly follow the maintenance plan in your manual and do everything in your power to maintain the car.
Peter Gitundu Creates Interesting And Thought Provoking Content on Lemon Law. For More Information, Read More Of His Articles Here AUTO LEMON LAW If You Enjoyed Reading This Article, Make Sure You SUBSCRIBE TO MY RSS FEED! To Receive My Most Recent Posts & Updates.
Wednesday, January 20, 2010
Supplementing Your Temporary Medical Insurance with Cash-Only Medical Visits
If you are between jobs and have lost health coverage, then a temporary medical insurance policy can help bridge the coverage gap until you get a new job that will provide you with insurance. These policies typically have low monthly premiums, but high deductibles. This means that you will have to shoulder a large portion of your medical bills out-of-pocket before the health plan kicks in and begins paying for expenses. If you have an existing health problem, such as diabetes, it will not be covered under a temporary policy, since these health plans exclude pre-existing conditions. They also do not cover pregnancy and childbirth. And routine health care such as doctor’s visits is not included under many of these plans.
However, a short-term health plan will allow you to be covered as soon as the day after your application is approved. Your policy can include coverage for dependents such as your wife and children. And, depending on your plan, certain transplants may also be covered, as well as home health care including at-home services from a registered nurse or health aide.
If you are concerned that your temporary medical insurance plan does not cover the cost of preventive care, however, then you may want to supplement it through a cash-only medical practice. Under this type of medical practice, which is also known as direct pay, patients pay a fixed fee for services rendered, which can be paid by credit card or check. Although these practices generally cater to the uninsured, patients with insurance coverage, such as those with health plans that have high-deductibles that only kick in for major health expenditures, are also welcome.
The idea behind a cash-only practice is to provide affordable health care by offering fixed, reasonable rates for all patients, rather than high rates for the uninsured and discounted rates for covered patients. It is also a better business model for many doctors, since by not participating in health insurance networks they can dispense with the extra staff necessary keep track of patient billings and claim processing, thus cutting down their overhead.
In order for you to avail of the services of a cash-only medical practice, you will usually have to become a member of the group. You will then be charged fixed fees based on the length of your visits. Many doctors, however, are founding their own direct pay practices without becoming members of a formal network. Many of these practices also offer consultations through phone or e-mail, making it more convenient for patients to get the answers to simple health questions without a personal visit; however, they will still be billed for the exact amount of time it took to address their health problem, just like an in-office visit. Some cash-only doctors will also make house calls but for a higher charge than a personal or online consultation.
These practices are a good way for people with temporary insurance coverage to get affordable routine care, particularly since limited-term health plans allow you to see any physician or health care professional that you want.
However, a short-term health plan will allow you to be covered as soon as the day after your application is approved. Your policy can include coverage for dependents such as your wife and children. And, depending on your plan, certain transplants may also be covered, as well as home health care including at-home services from a registered nurse or health aide.
If you are concerned that your temporary medical insurance plan does not cover the cost of preventive care, however, then you may want to supplement it through a cash-only medical practice. Under this type of medical practice, which is also known as direct pay, patients pay a fixed fee for services rendered, which can be paid by credit card or check. Although these practices generally cater to the uninsured, patients with insurance coverage, such as those with health plans that have high-deductibles that only kick in for major health expenditures, are also welcome.
The idea behind a cash-only practice is to provide affordable health care by offering fixed, reasonable rates for all patients, rather than high rates for the uninsured and discounted rates for covered patients. It is also a better business model for many doctors, since by not participating in health insurance networks they can dispense with the extra staff necessary keep track of patient billings and claim processing, thus cutting down their overhead.
In order for you to avail of the services of a cash-only medical practice, you will usually have to become a member of the group. You will then be charged fixed fees based on the length of your visits. Many doctors, however, are founding their own direct pay practices without becoming members of a formal network. Many of these practices also offer consultations through phone or e-mail, making it more convenient for patients to get the answers to simple health questions without a personal visit; however, they will still be billed for the exact amount of time it took to address their health problem, just like an in-office visit. Some cash-only doctors will also make house calls but for a higher charge than a personal or online consultation.
These practices are a good way for people with temporary insurance coverage to get affordable routine care, particularly since limited-term health plans allow you to see any physician or health care professional that you want.
mesothelioma information
Mesothelioma is one of the deadliest diseases known to man; the average life span of an inflicted person from the time of diagnosis until death is less than 24 months. It’s a disease that strikes approximately 3,000 United States citizens each and every year; hard working people who have labored for a lifetime to provide for their families, doing the work that keeps this country running and a great place to live. They worked in factories, at shipyards, in mines, for the US military, as engineers, as pipefitters, as steel workers, as auto mechanics, and in so many other professions. They came home to their loved ones exhausted and covered in dirt and dust; tired, but content that they had a job and were providing for their family. Content that they were putting food on the table and a house over their loved one’s heads. Content that they were working to make a better life for their families in this generation and the next...
But what they didn’t know was that while they were working so hard, they were not only slowly killing themselves, but those that they were working so hard to help; their family, their loved ones.
Mesothelioma is a disease that is almost 100% preventable; the only known cause is via exposure to the deadly mineral Asbestos. It comes from inhaling the particles of dust as the asbestos degrades; eating away at the lining of your lungs and developing into a deadly cancer. Dust that was inhaled in clouds of white powder, dust that was carried home on the clothes of the men who built this country, dust that was cleaned from the clothes by the wives and children who supported their sole provider at home, dust that was packed around the heating systems in houses and offices and schools, dust that carried a deadly price; and dust made a fortune in blood money for the companies that produced it.
Unfortunately, the effects of asbestos on the human body were known to be deadly for years by the companies who employed the ‘greatest generation’ and made hundreds of millions, if not billions, of dollars off of their backs. But instead of taking simple steps to alleviate the problem and save the lives of thousands of their workers, they choose to do nothing and continue to make a “healthy” profit with a “deadly” product. Many even went so far as to hide the truth from their workers and their families. And because the normal latency period for Mesothelioma (The time from exposure until the patient falls ill) is 20 to 30 years, many got away with this for years. We are only now beginning to see the full effects of the disease, and feel the terrible outcry of the people against those who put profits before human lives to a degree that is simply unfathomable.
But what they didn’t know was that while they were working so hard, they were not only slowly killing themselves, but those that they were working so hard to help; their family, their loved ones.
Mesothelioma is a disease that is almost 100% preventable; the only known cause is via exposure to the deadly mineral Asbestos. It comes from inhaling the particles of dust as the asbestos degrades; eating away at the lining of your lungs and developing into a deadly cancer. Dust that was inhaled in clouds of white powder, dust that was carried home on the clothes of the men who built this country, dust that was cleaned from the clothes by the wives and children who supported their sole provider at home, dust that was packed around the heating systems in houses and offices and schools, dust that carried a deadly price; and dust made a fortune in blood money for the companies that produced it.
Unfortunately, the effects of asbestos on the human body were known to be deadly for years by the companies who employed the ‘greatest generation’ and made hundreds of millions, if not billions, of dollars off of their backs. But instead of taking simple steps to alleviate the problem and save the lives of thousands of their workers, they choose to do nothing and continue to make a “healthy” profit with a “deadly” product. Many even went so far as to hide the truth from their workers and their families. And because the normal latency period for Mesothelioma (The time from exposure until the patient falls ill) is 20 to 30 years, many got away with this for years. We are only now beginning to see the full effects of the disease, and feel the terrible outcry of the people against those who put profits before human lives to a degree that is simply unfathomable.
peritoneal mesothelioma
Mesothelioma is a rare, aggressive cancer caused by asbestos exposure. Of the 2,000 to 3,000 cases of mesothelioma diagnosed in the United States annually, 10 to 20 percent of the patients are diagnosed with peritoneal mesothelioma. Peritoneal mesothelioma develops in the abdomen, in the mesothelial cells that form a membranous layer called the peritoneum.
The peritoneum is a membranous layer that is made up of two 'sub-layers' called the parietal and visceral layers. The parietal layer covers the abdominal cavity, while the visceral layer surrounds abdominal organs. Together these two layers provide support and protection for abdominal organs and the abdominal cavity as a whole.
Mesothelioma of the abdomen, like all types of mesothelioma, is caused by asbestos exposure. Though it can take many years for a patient to demonstrate symptoms of peritoneal mesothelioma, the cancer develops when the asbestos fibers become lodged in the spaces between the mesothelial cells.
Peritoneal Mesothelioma Symptoms
A patient with peritoneal mesothelioma may not demonstrate symptoms of the cancer for 20 to 50 years after initial asbestos exposure since it often takes years for mesothelioma to manifest. In the case of peritoneal mesothelioma, asbestos fibers travel into the peritoneal layers where they cause irritation and inflammation and the development of cancerous cells which divide and grow uncontrollably. The cells cause thickening of the peritoneum and fluid build-up in the peritoneal layers. As the cancerous cells continue to divide overtime, tumors start to form. Most peritoneal mesothelioma symptoms are caused by this membrane thickening, fluid build-up, and eventual tumor development, all of which put pressure on internal organs.
Peritoneal mesothelioma symptoms include:
Abdominal pain or swelling
Changes in bowel habits (such as diarrhea or constipation)
Development of lumps under the skin on the abdomen
Night sweats or fever
Unexplained weight loss
Nausea or vomiting
Fatigue
Anemia
The peritoneum is a membranous layer that is made up of two 'sub-layers' called the parietal and visceral layers. The parietal layer covers the abdominal cavity, while the visceral layer surrounds abdominal organs. Together these two layers provide support and protection for abdominal organs and the abdominal cavity as a whole.
Mesothelioma of the abdomen, like all types of mesothelioma, is caused by asbestos exposure. Though it can take many years for a patient to demonstrate symptoms of peritoneal mesothelioma, the cancer develops when the asbestos fibers become lodged in the spaces between the mesothelial cells.
Peritoneal Mesothelioma Symptoms
A patient with peritoneal mesothelioma may not demonstrate symptoms of the cancer for 20 to 50 years after initial asbestos exposure since it often takes years for mesothelioma to manifest. In the case of peritoneal mesothelioma, asbestos fibers travel into the peritoneal layers where they cause irritation and inflammation and the development of cancerous cells which divide and grow uncontrollably. The cells cause thickening of the peritoneum and fluid build-up in the peritoneal layers. As the cancerous cells continue to divide overtime, tumors start to form. Most peritoneal mesothelioma symptoms are caused by this membrane thickening, fluid build-up, and eventual tumor development, all of which put pressure on internal organs.
Peritoneal mesothelioma symptoms include:
Abdominal pain or swelling
Changes in bowel habits (such as diarrhea or constipation)
Development of lumps under the skin on the abdomen
Night sweats or fever
Unexplained weight loss
Nausea or vomiting
Fatigue
Anemia
Hair Removal in Virginia section
includes general infrmation about Hair Removal Procedure, Hair Removal Virginia Local News, Hair Removal Virginia Surgeon Locator and other Hair Removal related material.
Hair Removal Procedure
Laser hair removal involves a light that uses special wavelengths to damage the end of the hair or the hair follicles. The strength of the light is adjusted so that just enough damage is done to prevent or reduce the amount of hair that grows back. The light used in the hair removal procedure targets the high pigmented colors of the hair. If you are planning to go for a laser hair removal treatment, do stay out of the sun at least a few weeks prior to the procedure. Having a tan or dark colored skin can make the procedure difficult or even impossible. If you are on any medication at all, it is important to let your doctor know before the treatment begins. There are some medications that can reduce the effects of the procedure. There are health risks associated with combining medications with the hair removal procedure.
Some individuals may experience a small amount of pain, but it is often manageable. The amount of discomfort experienced during the procedure is noted by many patients to be similar to the feeling of someone pricking you. However if you are having the treatment at sensitive areas such as the armpits and the groin/bikini region, pain is evitable. If you are concerned about the pain associated with your hair removal procedure, speak to your doctor about the possibilities of anesthesia.
The best candidates for laser hair removal have the following criteria:-
• Dark hair, light skin, and course hair are the easiest to treat. These patients typically see the best results and require fewer treatment sessions.
• People with dark skin may not be ideal candidates for laser hair removal, but may still benefit from treatment. Under certain circumstances the procedure can be effective.
• Blond, grey, and red hairs are more difficult to treat with a laser.
• Tanned patients must wait until the tan fades before treatment.
• Candidates who suffer from skin disorders such as psoriasis, cystic acne, and dermatitis are not ideal candidates for laser hair removal.
• Candidates taking certain medications such as Retin-A or Accutane are excluded from treatment.
• Treatment is not appropriate for people who have a pacemaker, who are pregnant, or who have metal screws in the area where the procedure would be performed.
• The procedure does not necessarily result in 100 percent reduction of unwanted hair in the first treatment session. Multiple sessions may be needed.
Laser hair removal is performed in a physician`s office or laser hair treatment facility. Treatment time can range from one hour to several hours. Multiple sessions may be necessary.
A numbing lotion will first be applied to the targeted area. During the procedure, a laser is used to dispense a fine intense beam of heated light that removes the hair follicles, but preserves the skin in the surrounding area. The laser scans a wide area of the body in the removal process.
Patients return home immediately following the treatment. Normal activities can be resumed immediately; however, exercise, Jacuzzi use, and sun tanning are not recommended for at least 24 hours. No waxing or depilatory creams can be used after laser hair removal.
After the procedure, patients are often advised to gently cleanse the treated area with a mild soap. Your doctor may prescribe a specific lotion that should be used after treatment. An antibiotic ointment and other topical lotions may be required in certain situations.
Most often, discomfort is minimal and does not require medication. Unmanageable pain, or the appearance of red or white bumps, ingrown hairs, or scabs should be reported to your doctor immediately.
The Advantages of Laser Hair Removal
• Laser hair removal is considered extremely safe if performed properly and by qualified specialists.
• A majority of clients have reported long lasting results and even permanent hair removal.
• A laser hair removal treatment can be carried out on large areas such as the chest, back, and legs in one session.
• If there is re-growth after laser hair removal this will be much lighter and finer in texture than before.
• It can be virtually painless when compared with waxing and electrolysis as a means of body hair removal.
Side effects are quite rare and usually temporary. These may include hyper pigmentation (the appearance of dark or white spots, which disappear in a few months), sensitive skins may become slightly crusty (temporary), burning of the skin, or discoloring of darker skin, as well as some redness and swelling on the skin.
Hair Removal Procedure
Laser hair removal involves a light that uses special wavelengths to damage the end of the hair or the hair follicles. The strength of the light is adjusted so that just enough damage is done to prevent or reduce the amount of hair that grows back. The light used in the hair removal procedure targets the high pigmented colors of the hair. If you are planning to go for a laser hair removal treatment, do stay out of the sun at least a few weeks prior to the procedure. Having a tan or dark colored skin can make the procedure difficult or even impossible. If you are on any medication at all, it is important to let your doctor know before the treatment begins. There are some medications that can reduce the effects of the procedure. There are health risks associated with combining medications with the hair removal procedure.
Some individuals may experience a small amount of pain, but it is often manageable. The amount of discomfort experienced during the procedure is noted by many patients to be similar to the feeling of someone pricking you. However if you are having the treatment at sensitive areas such as the armpits and the groin/bikini region, pain is evitable. If you are concerned about the pain associated with your hair removal procedure, speak to your doctor about the possibilities of anesthesia.
The best candidates for laser hair removal have the following criteria:-
• Dark hair, light skin, and course hair are the easiest to treat. These patients typically see the best results and require fewer treatment sessions.
• People with dark skin may not be ideal candidates for laser hair removal, but may still benefit from treatment. Under certain circumstances the procedure can be effective.
• Blond, grey, and red hairs are more difficult to treat with a laser.
• Tanned patients must wait until the tan fades before treatment.
• Candidates who suffer from skin disorders such as psoriasis, cystic acne, and dermatitis are not ideal candidates for laser hair removal.
• Candidates taking certain medications such as Retin-A or Accutane are excluded from treatment.
• Treatment is not appropriate for people who have a pacemaker, who are pregnant, or who have metal screws in the area where the procedure would be performed.
• The procedure does not necessarily result in 100 percent reduction of unwanted hair in the first treatment session. Multiple sessions may be needed.
Laser hair removal is performed in a physician`s office or laser hair treatment facility. Treatment time can range from one hour to several hours. Multiple sessions may be necessary.
A numbing lotion will first be applied to the targeted area. During the procedure, a laser is used to dispense a fine intense beam of heated light that removes the hair follicles, but preserves the skin in the surrounding area. The laser scans a wide area of the body in the removal process.
Patients return home immediately following the treatment. Normal activities can be resumed immediately; however, exercise, Jacuzzi use, and sun tanning are not recommended for at least 24 hours. No waxing or depilatory creams can be used after laser hair removal.
After the procedure, patients are often advised to gently cleanse the treated area with a mild soap. Your doctor may prescribe a specific lotion that should be used after treatment. An antibiotic ointment and other topical lotions may be required in certain situations.
Most often, discomfort is minimal and does not require medication. Unmanageable pain, or the appearance of red or white bumps, ingrown hairs, or scabs should be reported to your doctor immediately.
The Advantages of Laser Hair Removal
• Laser hair removal is considered extremely safe if performed properly and by qualified specialists.
• A majority of clients have reported long lasting results and even permanent hair removal.
• A laser hair removal treatment can be carried out on large areas such as the chest, back, and legs in one session.
• If there is re-growth after laser hair removal this will be much lighter and finer in texture than before.
• It can be virtually painless when compared with waxing and electrolysis as a means of body hair removal.
Side effects are quite rare and usually temporary. These may include hyper pigmentation (the appearance of dark or white spots, which disappear in a few months), sensitive skins may become slightly crusty (temporary), burning of the skin, or discoloring of darker skin, as well as some redness and swelling on the skin.
yahoo web hosting
Yahoo Web Hosting is an internet hosting business that you are able to apply to make a huge difference in the success of your business! How come a Web hosting company that you pick out so significant? There are loads of grounds that picking out a reliable Web hosting business like Yahoo Web Hosting is a bright business conclusion, but among the most important is the many web site design templates that Yahoo provides.
When it concerns getting your site acknowledged, your articles, your web site design, and the set up of your articles is very significant as the content of your site needs to be search engine optimised in order to get placed by the SEs. The most outstanding way to force large amounts of hits to your site is to get a good SE ranking in the SERPS.
It is getting more difficult and harder to get your site acknowledged online. There are 100s of 1000s of new sites cropping up day-after-day, and there are loads of old sites that have been around for rather a long time. But acquiring clients to your site is the only way that you are going to be prosperous online so how can you make certain that your site gets noticed over others, simple use Yahoo web hosting.
When it concerns getting your site acknowledged, your articles, your web site design, and the set up of your articles is very significant as the content of your site needs to be search engine optimised in order to get placed by the SEs. The most outstanding way to force large amounts of hits to your site is to get a good SE ranking in the SERPS.
It is getting more difficult and harder to get your site acknowledged online. There are 100s of 1000s of new sites cropping up day-after-day, and there are loads of old sites that have been around for rather a long time. But acquiring clients to your site is the only way that you are going to be prosperous online so how can you make certain that your site gets noticed over others, simple use Yahoo web hosting.
Process benchmarking: an application to lending products
Benchmarking techniques evolved from Xerox’s pioneering visit to Japan in the late 1970s. However, the application of the benchmarking concept to the banking industry did not take place until the late 1990s. Process benchmarking, in particular, is a tool that helps FIs to cut costs, improve productivity and integrate business processes. Although process benchmarking involves divulging what may be considered as sensitive or confidential information, forming de facto benchmarking partnerships with competitors allows participating institutions to compare cost and output advantages and disadvantages, when performing key processes involved in lending operations. This paper presents an application of process benchmarking to lending operations across Australia to highlight differences in costs involved in seemingly identical value chains.
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