Daily Archives: April 16, 2012
One of the biggest insurance companies in the state, Blue Cross Blue Shield of Tennessee, has a new program that can help moms with high-risk infants. It’s called the “Medela Breast Pump Program,” and it offers a new way to help little ones thrive.
It will provide free Medela breast pumps to mothers who have infants being treated in Neonatal Intensive Care Units or NICU’s. The primary objective of the Medela Breast Pump Program is to give these babies an increased chance of survival by increasing breastfeeding rates.
How Does The Medela Breast Pump Program From BCBS of Tennessee Help At-Risk Babies?
We all know that as compared to formula feeding, breastfeeding gives more important nutrients. Breast milk has antibodies that can help combat diseases and infection. According to the American Academy of Pediatrics, when mothers breastfeed their babies, it guarantees the best physical and psychosocial outcomes for the infant, especially for premature babies. Thus, breastfeeding should always be advertised by pediatricians.
The Medela program partners with health care providers such as physicians, hospitals and nurses to encourage mothers to breastfeed their infants using the Medela breast pump not only in the hospital, but after they return home, as well.
The chief medical officer at TN BCBS, Inga Himelright, M.D., stated that the incredible and jam-packed nutrients and health benefits from breast milk improve the condition of newborns admitted in the NICU. Encouraging mothers to breastfeed their babies can surely help these little ones survive their most vital and vulnerable period in life.
Doctors at Vanderbilt University Medical Center even took it to a notch higher by saying that human milk can be the life and death determinant for at-risk infants. According to Judy Aschner, M.D., the director of the Mildred Sathlman Division of Neonatology at Vanderbilt, “Human milk is the best possible source of nutrition for almost all infants.”
What Tennessee Health Insurance Plans Can Help Mothers And Infants?
There are hundreds of TN health insurance plans you can choose from to protect your beloved child. Did you know that the new health insurance plans for Tennessee offers 100 percent coverage for preventive services for mothers and newborns even before you have met your deductible for the year?
With a new Tennessee health insurance plan, you do not have to worry about paying out-of-pocket expenses for co-payments and even deductibles for regular preventive care. Vaccinations are important to newborns’ health and are completely covered. You do not have to worry about any out-of-pocket medical costs for preventive care even if you get a co-pay plan.
As mandated by the health care reform law, maternity and newborn care is an important health benefit that must be included in all new Tennessee health insurance plans. In fact, maintaining your health and your babies’ health can eventually lead to premiums on the low side because you’ll steer clear of the markups associated with pre-existing medical conditions.
The European Commission today warned that the Argentine government expropriation of 51% of YPF’s capital, controlled by the Spanish firm Repsol would send a “very negative” to investors and could seriously damage the business climate in the country.
“A expropriation by the Argentine government would send a very negative signal to investors, national and international, and could seriously damage the business climate in Argentina,” said EU trade spokesman, John Clancy.
Clancy said the European Commission’s desire that the differences between the Argentine government and Repsol YPF can be smoothed through a common solution that satisfies both parties.
The EU executive argues in this regard to find a “mutually agreed solution that will not harm the business climate and the relations between the EU and Argentina.”
Last week, the EC President, Jose Manuel Durao Barroso sent a message to the office of Cristina Fernandez through the Commission delegation in Buenos Aires in which he showed his concern and called for respect for the country’s commitments with foreign investment.
Earlier, the EC had made public that he was “on the side of Spain” in this dispute with Argentina, while acknowledging that currently has no legal mechanisms to pressure the Latin American country to meet its commitments on investment companies from EU countries.
Although the Treaty of Lisbon (2009) the EC acquired skills on community investments in third countries, there is still no legal instruments, so that the legal framework that applies in this case is the treaty of bilateral investment protection ( BIT) between Spain and Argentina.
The framework agreement on trade and economic cooperation in 1991 between the European Economic Community and Argentina allows for cooperation and joint actions, but it gives the EU the possibility to take action against the South American country on issues related to trade or investment.
In parallel, EU sources stated that the World Trade Organization (WTO) “does not cover issues of protection of investment and there are no commitments at the multilateral agency with Argentina, so that the EU” has no chance to react “not on that base.
The next 19 and April 20 is scheduled to meet the EU-Argentina joint committee in Buenos Aires.
Before the adoption of the Lisbon Treaty, the EC and successfully exerted diplomatic pressure on Argentina to dismiss its intention to adopt a law on public services that many Member States considered detrimental to their investments in the country.
Accidents can happen due to any reason. If you or someone you know has been involved in an accident that lead to any injury-minor or severe- then you’re entitled for compensation. To become qualified for compensation, the injury must have resulted due to the negligence of someone else. An accident victim should also furnish the necessary details regarding the accident to have a effective claim. This will help process the compensation claim fast and easy.
Accidents can take place every single day of our lives. It is an unavoidable fact of life which no one is aware when or how it will occur. Due to the atrocious results of accidents to anyone impacted by it, people have think of lots of ways to ensure that there is help or maybe assistance to anybody who is experiencing this unavoidable reality. Accident or personal injury claims are accessible for anyone who has been victimized by accidents that resulted from negligence on someone else’s part. These claims can be process by the victims on their own or by way of the help of claim companies like ClaimEasy.com which help the process a lot easier.
There are several types of injury claims. One of it is personal injury claims. It happens if a person endured a mental, physical or financial loss due to a careless individual. The applicant for the claim can apply for medical expenses, long term therapies, damages and jobs lost straight away because of the accident that was caused by another person. Some compensation claims would include emotional and psychological trauma as well as compensation for any future complications or even sufferings he or she might be facing as a immediate outcome of the accident.
For a claimant to obtain due compensation, it is assessed by the third party’s insurance company to ensure that the terms and conditions specified on the claimant’s documents are legitimate. It is a long and hard wait for some claimants for their compensation to be processed because it requires lots of paper work, documents and even signatures along the way. It is most especially difficult if multiple claims are shown in one case so the best option for you to take would be to employ a solicitor to take care of these processes for the applicant. These cases if not taken into full consideration would probably end up lost or maybe refused from the insurance provider. Solicitors are there to make sure a quick and easy claim for their clients.
In real events, after the claimant is able to submit and was evaluated by the third party’s insurance provider, it is then removed on the court of law and deadlines are set for the defendant’s insurance provider to carry out their best and strive to win the case. They may be capable to manipulate some information but if you’ve got solid facts to disprove the defendants claim, your case would still be won thus, hiring the most effective lawyer to help you secure your case is truly worth it. Starting your claim can be a downright difficult process so accessing claim companies such as Claim Easy will surely make that problem lighter.
Compensation is actually necessary, if you have sustained injuries from an accident that was due to a careless person, be in the know and file for injury claims. Make sure that you exercise your rights of full compensation and perform whatever it takes succeed. Acquire the best lawyer to help you in your case and provide appropriate guidelines throughout the whole process to make sure you’ll have your claim easy and swiftly.
On the subject of raising capital for your business, it is important to understand the difference between objective and subjective investors and the reasons investors will not invest. The subjective investor is in some way connected to you.
Typically referred to as “friends and family”, but in reality they’re investors with a connection to you directly through a regular connection like your close friends and family. These investors, or close friends, believe in what you happen to be doing and invest in your company.
Eventually, a business who seeks private investors has to go beyond subjective investors to the world of objective investors.
Objective investors look at the overall business model and investment opportunity. Objective investors see dozens or more offerings each year. How do you think they figure out which companies to invest in?
They look for very good reasons NOT to invest. By analyzing your complete business model and investment opportunity they are able to determine warning signs.
5 Reasons a Venture Capitalist Won’t Invest:
1. Unfinished financial records and/or business plan (market/sales approach, operational info, barrier to entry not established)
2. Complex or puzzling message within the investor reports with regards to business model or investment opportunity.
3. Composition of the offering, perceived cost of the investment relative to a high valuation or unclear exit and return to the investor.
4. Inexperience or incomplete management team, and/or attitude of the management conveying feelings of entitlement or resistance to guidance and counsel.
5. Specific industry focus or niche market that restricts the possible number of investors.
Many of the reasons for no-go investment choices may be identified and remedied before the investment process begins. How will your company figure out if your business model and investment opportunity is actually investor ready?
Have a funding application and/or business assessment completed by a legitimate company today. By doing this, you’ll have the ability to possibly build your company’s investment equity, get ipo capital, or perhaps get your company involved in a capital call.
A Better Understanding Fixed Singapore Mortgage Rate and Adjustable Rate Structure
Before you decide on which Singapore mortgage rate structure you would like to take advantage of, it is important that you have an in – depth understanding of each interest rate structure, Each of these structures have their own advantages and disadvantages. It is important that you understand each one before you make your decision so that you will know which structure is best suited for your financial standing.
As the name connotes, a fixed Singapore mortgage rate structure remains the same throughout the tenure of your mortgage loan. This is a big advantage to those who prefer that their interest rates remain the same until they are able to pay off their home loan. However, this interest rate structure may cause financial distress to the bearer of the loan because he or she may end up paying more than he can afford because of their long term fixed interest rates. People who have entered into a fixed mortgage interest rate in the past are the ones who are scampering to be able to apply for a home refinancing mortgage loan in order to be able to save on the interest rate that they are currently paying. In the past, fixed mortgage loan rate reached to up to 8% however, nowadays the highest fixed interest rate that you will be able to come across in 3% of the total asking price.
Another popular Singapore mortgage rate structure is the adjustable or the floating rates. These rates are most often referred to as the SIBOR and the SOR pegged interest rate package. A floating interest rate is based on the current status of the global economy. However, among the two categories, a SIBOR pegged interest rate structure is much more preferred. This is because the SIBOR pegged interest rate relies on the trends in the world economy while the SOR rates are based on the FOREX market. As we all know, the FOREX market tend to fluctuate on a daily basis thus; making an SOR interest rate structure unstable. These Singapore mortgage rate structures can benefit those who prefer that their interest rates change according to the performance of the global market. However, because these interest rates are based on the trends in the global market, you would need to be ready for the possibility that your mortgage rate will suddenly shoot up without any prior notice. For this reason, an adjustable interest rate is not recommended for those who do not have more than enough of their monthly salary be able to pay off their mortgage loan.
The most important thing that you would need to remember when choosing an interest rate package is your financial capability to be able to keep up with your monthly mortgage obligations. There are other interest rate structures that you can choose from that would fit your needs perfectly. You would need to give this decision a lot of thought and a certain amount of research to be able to pick the Singapore mortgage rate that would not leave you buried in debt.
The European Commission (EC) and the UN signed an agreement to promote gender equality throughout the world as a basis for joint strategies to combat violence against women and promoting women in senior positions.
The agreement was signed today in Brussels by the European diplomat and Vice President of the EC, Catherine Ashton, European Commissioner for Development, Andris Piebalgs, and Executive Director of UN Women, Michelle Bachelet.
The initiative “reaffirms the partnership between the two organizations to support gender equality,” and will serve in particular to share information and make joint analyzes in order to “effectively advance the rights of women,” the EC said in a statement.
The cooperation will focus on promoting the representation of women among senior business, political and judicial, as well as “improving women’s access to employment and social opportunities.”
Provision is also made joint efforts to combat domestic violence and provide assistance to victims, said the EU executive.
The EU high representative said that discrimination against women “is the most persistent form of inequality in the world”, and in particular stressed the need for increased participation of women in positions of responsibility and to fight impunity for sex offenders.
The European Commissioner for Development, meanwhile, warned that the human and political development “is not possible without a strong respect for the rights of women.”
Finally, Bachelet stressed the importance of the agreement signed today and said that the full participation of women “strengthen democracy, peace and sustainable development” throughout the world.
The main British banks today gave more than 2,000 million pounds (2,400 million) of their combined value in the London Stock Exchange because of fears about the financial situation in Spain, where the debt premium has exceeded 6 percent.
The part-nationalized Lloyds Banking Group fell as much as 5 percent on the London Stock while Royal Bank of Scotland (RBS), also owned most of the British state, fell nearly 4 percent.
The private Barclays and HSBC also stood in negative territory for the nervousness of investors about the possibility that the interest payable by Spain for the money received debt auctions reach unsustainable levels.
“Spain is in the spotlight of global markets, as the cost of their loans is close to what many consider unsustainable levels,” said the stockbroker Rupert Osbourne.
“If we learned anything over the past two years on the European debt, is that these problems are not solved or quickly or painlessly, raising fears of more volatility in the markets in the coming weeks,” he added.
A part of Spain’s public deficit, investors in the UK fear that Spanish banks are not capable of dealing with defaults arising from the housing slump.
Mislav Matejka, an analyst at JP Morgan Cazenove, recalled today that the Spanish state bank deposits declined in February totaling 6,000 million euros, while maintaining a “negative trend”.
“This is particularly disturbing and indicates that Spanish banks are increasingly vulnerable,” he said.
As for sovereign debt, the spread between ten-year Spanish bond and the German with the same period currently stands around 440 basis points, while Spanish bond yields today to ten years exceeded 6.1 per percent.
What generates nervousness is that the premium may advance to the 7 percent threshold that forced Ireland, Greece and Portugal to seek a bailout to the European Union (EU).
Despite the lack of confidence of international markets, the Spanish Treasury will attempt to pick this week to 5,500 million in separate debt issues.
Spain hopes to capture morning between 2,000 and 3,000 million euros with an issue of letters to twelve and eighteen months, and Thursday, between 1,500 and 2,500 million euros in bonds maturing in 2014 and 2022.
These auctions become relevant for the significant maturities are pending Spain this year, totaling 139,000 million.
U.S. bank Citigroup announced today that it closed the first quarter with a net profit of 2.931 million dollars, 2% less than the same period of 2011.
Net income per share indicator that closely follow U.S. analysts, was placed from January to March at 0.95 dollars, five cents less than the market consensus expected.
Revenues totaled 19.406 million in that period of $ 19.726 million compared to first quarter 2001 and slightly below the 19,700 million envisaged by the experts.
Its president and CEO, Vikram Pandit, said that the organization “has worked on an improved, and have also seen the benefits of investments.”
Citi, according to Pandit, “has generated revenue growth and has made positive operations in all their portfolios. In private banking, has achieved another quarter of good growth in revenues and net income.”
However, the head of Citigroup said that “although the environment has improved in the first quarter, there are still many uncertainties and risks continue to manage carefully.”
Citigroup said in a statement that the figures released today include a negative impact of 1,300 million for adjustments to the valuation of the credit portfolio.
If you consider this impact, earnings per share would have increased by 7% to $ 1.11, while revenues had grown to 20,200 million dollars, according to the company.
By region, has reported that its net profit in North America the first quarter increased 2% to 1.539 million dollars and in Asia, 18% to 1,111 million dollars.
In Europe and the Middle East, however, the business recorded a decline of 26% to 792 million, and Latin America, fell 3% to 895 million.
The city of Toledo (central Spain) brings together 450 scientists, entrepreneurs and engineers from some thirty countries to discuss concentrating photovoltaics, one of the great promises of solar energy whose main drawback is its high cost.
The conference will develop from now until April 18, organized by the Institute of Concentration Photovoltaic Systems, a public company based in Puertollano (Ciudad Real) – and give continuity to a series of international scientific conferences that began to be held in 2002 in New Orleans (USA).
In later years took place in other cities in Australia, Spain, Germany and the U.S., the last in Las Vegas in 2011.
Toledo’s conference was presented today at a press conference by the director of R & D Isfoc, Francisca Rubio, the founder of ISE, Antonio Luque, the deputy director general of public-private partnership of the Ministry of Economy, Maria Luisa Brown, and the CEOs of Universities and Industry Board, Jose Antonio Negrin and Alfonso Vazquez.
Both Francisca Rubio and Antonio Luque explained that the main focus is on reducing the cost of producing this type of energy, which is based on the use of optical systems such as lenses or mirrors to concentrate light on solar cells, which thus are smaller but twice as efficient.
That is the challenge and believe it is impossible to reach, but more research is needed and the times are not the most favorable.
The deputy director general of the Ministry of Economy reminded that Spain is waiting for a rearrangement of the electrical system in times of cutbacks that no sector is foreign, including R & D + i.
However, Spain, stressed, is among the top five countries of the world in terms of public funding, but is still unable to drag private funding, which should be encouraged.
With the austere budget this year, said Brown, will have to be brave when betting on one technology or another.
He added that in regulating the electrical system that is pending that will unite academic interests with business and industry around the range of renewable energy in Spain is leading, in fact, has a 34% penetration of renewables in the network.
Those responsible have pointed Isfoc receiving aid from Mineco for 16 million euros, but the problem I found is that there is no fee for renewable energy primate, so His prayer is to be allowed to have demonstration plants CPV technology also primed in Spain.
Have called for subsidies to develop this industry and, by way of manufacture, is found where the real problems of cost and to engender research needed to solve them.
President of the Spanish Federation of Hotels (FEHR), Jose Maria Rubio, said today in San Sebastian that this sector, and the restoration in particular suffers from “the crisis more long, hard and intense” and through his “worst economic times in recent decades. ”
As part of this adverse situation, which is forcing hoteliers to “resize and redefine” their companies, said Rubio, develops, from today until next Wednesday, the XIV National Congress of Hospitality, which meets in the capital Gipuzkoa about 600 professionals in Spain.
Rubio has made a radiograph of the situation in his speech at the inaugural biennial symposium, whose last edition was held in 2010 in Palma de Mallorca and first place in Euskadi, the Kursaal San Sebastian as its principal presentations and workshops.
The president of the Basque Parliament, Arantza Quiroga, the Deputy Minister of Trade and Tourism Vitoria executive, Pilar Zorrilla, the president of the General Assembly of Gipuzkoa, Loitzune Pan, the Deputy for Tourism of the territory, Jon Uriguen, and the mayor of San Sebastian, Juan Karlos Izagirre, were the authorities who have participated in the opening ceremony of the congress, by the head of the Association of Hospitality Guipuzcoa, Mikel Ubarretxena, and the state federation.
The latter has stated that 2011 was “another bad year” for the catering industry, which “continues to have a nationwide continuing decline in lost sales that has lasted 46 months” with the loss of nearly 100,000 jobs since 2008 .
Jose Maria Rubio has attributed the fall to declining domestic demand – “domestic customers have decreased their vacation and the average expenditure per day,” said-, the increase in tourist offers “all inclusive” for foreigners and ” negative impact “of the implementation of the Law” smoking “.
“They close and close more stores,” warned Rubio, who said that the situation requires the reshaping and redefining the industry and their companies.
He underlined that “to survive the crisis” must manage these businesses, “business criteria” and restaurateurs assume that “the customer has changed, is more demanding, less loyal and he is willing to pay the value added to be provided the product. ”
But Rubio has released a message of hope to the sector, because, as pointed out, is “one of the most important” in economic activity in Spain and “still future,” so it has appealed to cope “with optimism. “