Casual Articles - Reference and Education

Why Does Choosing A Secondary Insurance to Medicare Have to be so Complicated?
Are you Medicare eligible? Did you think I am now on Medicare life is going to so simple from now on? Were you prepared for the red tape and double talk you had to way through to find the right plan for you? If you have answered yes or no to any of these questions, read on.I am an intelligent person. I actually know more about Medical Insurance than most people. I have worked in Medical Billing for over (15) years. I now have now entered into a zone of the unknown.I have to choose a secondary insurance to my Medicare Part A. Part A is for hospital inpatient. The part I must pick is for my Medicare Part B. This is for all outpatient needs. Example: Doctors visits, outpatient surgery, ambulance, laboratory, x-ray, etc.The Social Security office person who signed me up for Medicare handed me a booklet with all you ever wanted to know about Medicare.Medicare Part B was pages long and even with my understanding of medical billing and insurance plans I was overwhelmed.I now have started asking my family and friends who are on Medicare what plan they have chosen for their Part B or Part C which is a HMO or PPO.MEDICARE PART C: This is a combination of Medicare Part A and B = CPPO - PREFERRED PROVIDER ORGANIZATION: You can use doctors out of network but the cost will be higher.I will tell you I have received answers. I think I have heard all the versions. My brother-in-law chose an Advantage PPO Plan because he received a YWCA free membership. He is networked through a Clinic close to his home and all his doctors are represented in this one building. He is very happy with his decision. Example: He had an outpatient surgery and his out of pocket expense was $200.00. This expense was for his plan. It will be different for you. He also pays a $20.00 copay which each medical visit.HMO - HEALTH MAINTENANCE ORGANIZATION: You are in a network and use the doctor’s and medical facilities in the contracted organization. You can not choose you own doctor.I spoke to a friend and English is her second language. She went to her Social Security appointment on her own. She decided on a HMO Plan. She chose Kaiser since she had been with Kaiser for (20) years. She could keep her own doctors and her life will still be the same.MEDICARE PART B:I have been leaning towards A

w? Now I want someone else to know, ah, somebody. I guess it‘s your lucky day.” I began looking at the album. “My dad was at Princeton in 1940,” he continued. “When you, ah, presented that information about the Philadelphia Experiment, I know he was involved with, ah, something at that time.” He had my full attention.

“_____ (the family lawyer) gave me this lockbox. He didn’t want any responsibility. He didn’t have the key. It was at home hanging on a hook in the closet, you know? _____ instructed me to open the box at home.”

I looked through the album while David spoke and noticed a number of photos of his Dad with Navy Officers. Before I could ask where they were taken, I recognized the Philadelphia Naval Yard Hospital in a couple of the pictures. By 1987, I visited that area a half dozen times.

“Ah, I opened the box and ___. There was a note on top of a photo album and journal. He didn‘t want anyone to know about all this. I think he would want you to know. I don’t know. He was protecting me. I haven’t told anyone, _____. If mom knew, she never said.” Dav

Disadvantages of Alternative Energy
Alternative energy would seem like a good choice for new home builders and people who are in the market to buy a new automobile. There are disadvantages of alternative energy that realistically need to be considered.One of the biggest disadvantages of alternative energy is that it cannot be stored like coal and natural gas can. Storage is a huge issue because using alternative energy puts us at the whim of Mother Nature. If there is no wind for a week, relying on wind power becomes a problem. If you are too far north, solar panels will only produce sufficient energy when the Northern Hemisphere of the planet is tilted towards the sun and so on.Other sources of alternative energy are being studied as well to power not only our homes but our vehicles as well. Hybrid cars have been on the market for a while. They use the same idea as an electric car only they don’t need to be plugged in to recharge. They use their braking system to regenerate power and they still have all of the engine power of a gasoline engine. New technologies to produce a fuel cell vehicle are currently underway along with a hydro-powered hybrid using hydrogen.Another of the disadvantages of alternative energy is that it can be expensive to implement into our already set up infrastructure. Most of the alternative energy resources available today require a different type of wiring system than what we currently have in place. This could cause the transformation to alternative energy sources to be delayed until we have depleted the remaining amounts of fossil fuels found on our Earth today.Fossil fuels are less expensive right now than alternative energy due to the amount of changes that have to be made to adapt a alternative energy plan. This proves to be another one of the disadvantages of alternative energy. Fossil fuels are readily available and easy to use. They can be transported to almost any location for use. Power plants are already set up for burning fossil fuels like coal and this makes the whole process less expensive than transforming to alternative energy.The advantages of using alternative energy will be realized when people are forced to make the change if for example, we deplete all of our fossil fuels or the cost of use simply become prohibitive. The disadvantages will slowly fade away as more and more people

If you live in the suburbs of the New York Metropolitan area on Long Island, you’re constantly under the influence of historical places, legendary tales, paranormal hotspots and a huge Government Contractor presence. I lived in Nassau County which has more than its share of historical places, haunted houses, frightening legends and UFO sightings. But if you want lots more, just head out east to Suffolk.

It was during my first visit to the historic Montauk Lighthouse that I noticed the huge radar dish which immediately identifies the Montauk Base. I must have been about eight years old and remember asking my parents about the monstrous structure. My father said it was part of a system to detect incoming enemy aircraft or missiles. As a retired Air Force Officer, he would know about that. However, I’m certain that he had no idea what future (or past) events would give that base such an infamous reputation.

I had plenty of friends that worked in the Long Island technical community. During the days of the Cold War, those jobs were everywhere if you qualified. Part of qualifying sometimes meant having a parent or other relative already on the inside. David was a good example. His father worked for the government or government contractors since the days of the Second World War. That helped David put his engineering degree to good use for the same company where his dad worked until his death a few years back.

I thought I had a good working knowledge of the Philadelphia Experiment up until 1987. After years of researching it and speaking with second and third hand witnesses, I was about to get a bit closer. David asked me to come and give a lunchtime talk about UFOs for his coworkers. His company sponsored these midday events once a month for employees who cared to attend. It was all about lessening stress in a very stressful work environment.

After discussing UFO reports and sightings on Long Island for about fifty minutes, I asked if anyone had comments or questions. There were plenty. Most came from people that had seen UFOs themselves. For some reason, there weren’t many skeptics in the room. One guy asked me about the Philadelphia Experiment. In turn, I asked if everyone in the room was interested enough in the subject for me to spend another twenty or thirty minutes talking about it? They were.

I gave the group a kind of thumbnail sketch about the infamous World War II Navy project, then proceeded to explain how a simple program to degauss battleships turned into a massive project to make ships invisible. I explained how there was credible evidence to believe that scientists and engineers working out of Princeton under Einstein had actually made a ship invisible and opened a sort of space time portal during a series of experiments.

The experiments took place in the Philadelphia Naval Shipyard and along the east coast of the United States. The trial and error process saw a test crew placed aboard a battleship escort vessel for sea trials of the new technology. A technology which didn’t always work correctly costing lives and creating more questions than answers.

David called later that night to thank me for speaking at the lunchtime event. He said everyone that came to the event talked about it for the rest of the day and those that didn‘t attend, wish they had. I thanked him and admitted that I came away with as much information as I had imparted in terms of UFO sightings. After some friendly chatter, he invited me to his house on Saturday and said he had wanted to discuss something about my investigations. He asked if I would come alone and I agreed.

Saturday arrived and found me standing at David’s door around two in the afternoon. He opened the door and invited me in. My friend looked spent. I sat down in his living room and waited while he ran down to the basement to get something. He reappeared moments later with a large lockbox, opened it and handed me an old photo album. I asked him if I could run my cassette player. Knowing I was terrible at taking notes, he agreed. I would have to turn it off when he told me. Then he dropped the bomb.

“I wanted to tell you about my father, ah, after he passed away. It was, ah, ___. I didn‘t know anything about it before that.” David stated. “I was worried about getting both of us in trouble, you know? Now I want someone else to know, ah, somebody. I guess it‘s your lucky day.” I began looking at the album. “My dad was at Princeton in 1940,” he continued. “When you, ah, presented that information about the Philadelphia Experiment, I know he was involved with, ah, something at that time.” He had my full attention.

The Simple Truth - Anyone Can Write
It has been said that every person has a book to write. Although I knew I would one day write a book, I don't consider myself a writer. I have written over 200 articles and two books. My approach to writing is simple: decide what message you want to convey, whether fiction or non-fiction, and write with the audience in mind.Although I am not a writer, I produced a 203-page book based on my knowledge and expertise regarding protecting children from sexual abuse or incest.When M. Scott Peck wrote his first book, The Road Less Traveled, he began the first chapter with the sentence, "Life is difficult." No truer words could have been spoken. Throughout the book he explained the concept that once we accept that simple truth, everything (everything) becomes easier because we have accepted it. Throughout the book, he explained how that simple truth, if accepted or rejected, is played out in our lives.Thus, the simple truth to writing is no more complicated than, "You can write an article or book." The fact that you found this article and are reading it says you want to write and want to learn to write--another thought-provoking statement.You, too, can use your knowledge and sell it in the form of an article or book. Everyone assumes that they are ordinary, and that they know nothing of value. The truth is, everyone lives a life of unique circumstances and experiences that results in the building of a body of knowledge or expertise--knowledge or expertise that has value and that can be packaged and sold to others.YOU are an expert in something, and that knowledge has value to others. People will gladly accept the message you wish to convey rather than experiencing your painful learning curve. You are reading this article aren’t you? What prompted you to read it? You wanted to learn something about how to write successfully. OK, someone might be reading this article because they don’t have anything better to do. But for the rest of you, you want to avoid going through a painful learning curve. How is that for a thought-provoking statement?If you believe you can't write an article or book, you’ve created that belief – for which you have no proof. What proof do you currently have that confirms your belief that you can't write an article or book? If you hold the belief that every best-sel

ualifying sometimes meant having a parent or other relative already on the inside. David was a good example. His father worked for the government or government contractors since the days of the Second World War. That helped David put his engineering degree to good use for the same company where his dad worked until his death a few years back.

Financial Planners Get Free Publicity With Email
In previous articles for marketing-minded financial planners, I've discussed what to say to a reporter over the telephone.However, if you are phone-shy or time-challenged, it's better to send an email than to do nothing.Many reporters favor e-mail anyway, so use it. Call the media outlet or check its staff listing to get the reporter’s email address. Sometimes reporters email addresses are at the bottom of their article in the newspaper—or linked to in the online version of the outlet. It’s rarely a secret.Again, offer practical story ideas – one or two max per e-mail. Summarize your best story idea in the ‘subject’ line of the email.Be specific. In fact, spend as much time composing that subject line as you do the entire body of your message. It's that important.Reporters get dozens of emails per day, and struggle with spam just like the rest of us, so make sure that your email doesn't look like spam. Avoid any words (you know what they are) that would be likely to set off a spam blocker.And never, ever send a reporter an attachment of any kind. Many news organizations, fearful that their technically unsavvy staff will introduce a virus, prevent staff from receiving attachments. Usually they accomplish this by deleting the whole email.If you want your email to be read, include a compelling subject line, and no attachment.

hia Experiment. In turn, I asked if everyone in the room was interested enough in the subject for me to spend another twenty or thirty minutes talking about it? They were.

Do You Really Want To Be A Manager?
"What do I do now?"Craig looked plaintively across the desk at me. He'd come to me for help adapting to his new role as a manager. He was having a lot of trouble.Craig had thought he wanted to be a manager. He'd supported himself through college by running heavy machinery in the construction industry. He was a hard worker.When he was hired by the company that made some of the equipment he used to run, Craig was ecstatic. He liked the people in the construction industry and he thought his new employer was as fine a company as there was.Craig was hired as a sales trainee, but his goals were something else. He wanted to be an executive and climb the corporate ladder. He started out by turning himself into a great salesperson. He let his bosses know that he wanted to move up.His opportunity came after only a couple of years. The company tapped him for a sales manager's job. At first he was ecstatic.Now it was three months later. Craig didn't like the things he had to do in his new job. He missed the freedom of selling on the road, spending time on jobsites and talking with people he liked."I used to love going to work," he told me. "Now, I get slammed from all sides. My boss wants me to make my numbers. Half the people who work for me just don't seem to cut it and they're always whining about something.""I don't know how to handle that. Plus, my bonus is now tied to how these other people do. It was easier when I just had to work a little harder or smarter to make my numbers.""Anything else?" I asked."When I was selling, the deals I cut grew naturally out of our relationship with the customers. Now, I've got my people asking me to approve deals and I'm just not comfortable deciding. It's constant pressure."There are thousands of people out there like Craig. They start out with the idea that what they want is a management job. Then, they get one and it's nothing like what they expected. How can you keep that from happening to you?Here are some questions to ask yourself to help decide if a management job is the right career choice.What will I be giving up if I move into management?This is very important to ask. Companies promote top performers. If they want to promote you to management, the odds are good that you were an above av

ked about it for the rest of the day and those that didn‘t attend, wish they had. I thanked him and admitted that I came away with as much information as I had imparted in terms of UFO sightings. After some friendly chatter, he invited me to his house on Saturday and said he had wanted to discuss something about my investigations. He asked if I would come alone and I agreed.

Ethics And Business-What About Civic Responsibility?
The question whether business and ethics are mutually inclusive remains to be one of the most controversial yet rational, reasonable and relevant topics that is worth the time and intellectual effort if committed for it. The topic has been the favourite grain for gossip mills mainly to the oriental ones and intellectual arguments with varying dimensions have also been credited with to have aroused out of this seemingly simple topic. Once the topic gets debated and deliberated mainly from issues and instances that underlines the need for mutual involvement of these two, the argument itself spirals up thereby creating a chain reaction that goes like wild fire drawing into it the comments and concerns of people from all walks of life surpassing limits of language, nationality and ideology. Business and the role of ethical principles in it has been, and will be a topic that can fuel a lot of debates and economical derivations cutting across political, cultural, economic and ideological lines surpassing geographic and linguistic barriers. The terminology and its corresponding interpretation changes according to the context and the nature and scope of the subject acquires entirely different dimensions when it comes to engaging business and ethics. The notion of a healthy inter play between business and ethical principles is undoubtedly relevant in this context of engulfing globalisation, the only question remaining where the lines of ethics in business are to be drawn the same time safeguarding interests of the former and giving latter its due space. While it is true that there are no all time true and fitting solutions to this question certain notions are worthwhile being included.As the world develops more and more into a free market economy with negligible exceptions , the relevance of ethics in business do surfaces as the tip of an ice berg with the major part lying deep waiting to be discovered, discussed and impartially deliberated. Interestingly there are entirely different dimensions to this topic. What is the responsibility of the corporate is a question that is being asked and already enough and more on this regard has been debated by focus groups ,academic panels and politicians to this point of time. A corporate entity having varied business interests in different categories of products is liable to consumers as far as they

At that point he asked me to shut off the recorder and I complied. It was making him really nervous. David removed a small and very old leather bound journal from a fireproof lock box. While removing the cloth from around it, he told me to keep everything quiet. The idea was to point me in the right direction, but keep his father’s information of the radar screen. I was fine with that and honored that agreement for as long as requested. He began to fill in the blanks.

His dad was a gifted engineer and had a knack for designing complicated machines and electronic devices. Radio and electronics were a hobby for him, but he was better at those things than most professionals. I assume both talents came in handy for the Philadelphia Experiment.

David asked me to listen while he read from the journal. It was a diary that his father kept during the early 1940s. He carefully chose sections that could be read, ignored others and explained that there were things he couldn’t share with me. I understood and was grateful for what he was willing to reveal.

He read about ten hand-written pages. Although no names or specifics were mentioned, the diary did note that he was at Princeton working on a project special project during World War II. He was one of several young prodigies personally recommended by Albert Einstein and engaged by the Navy. They were developing a system of magnetic detection devices to protect our harbors against infiltration by ships and submarines. These would be part of a multi-faceted system which would include radar, hydrophones, magnetic detection devices and more. That was what they told him.

Everything changed when he arrived at the Philadelphia Naval Shipyard. The group from Princeton was told to develop a system which would demagnetize ships and make them radar invisible. David skipped over a lot. When he resumed reading, his father was in the middle of an experiment with one of the moored ships. There were no crew members on board, just several carefully chosen junior officers that acted as caretakers.

During the process of testing equipment, there was an accident. It looked as though one of the junior officers was electrocuted. He accidentally touched an open circuit while standing in the middle of an area filled with electronics and powerful magnetic fields. The power was shut down and he fell to the floor. When the technicians got to him, he had a pulse and didn’t look burned. The young Officer was sent to the Naval Shipyard Hospital.

The junior officer was back with a clean bill of health a few hours later. David’s father and another member of the team spotted him and headed over to see if he was alright. Before they could reach him, the young man entered a hatchway and vanished around a corner. The engineers didn’t think much about it at the time because it was easy to lose sight of people inside a ship.

Several hours later, everyone was ready to call it day. The young officer was no where to be found. Despite a careful search through that ship and others in the area, he could not be located. The next day there was a more comprehensive search which turned up nothing. David’s father and his associate were extensively questioned as were others that saw him enter the hatchway, but no blame was pointed in their direction. Those in charge already seemed to know what happened to him.

The Navy was satisfied that the junior officer didn’t voluntarily vanish, was not a spy and probably fell overboard as a result of a belated reaction to the electrocution. That was the official position. It was more likely that the young man melted into the ship’s superstructure or floated off into some ethereal realm. That situation was repeated on a larger scale during other attempts to test Philadelphia Experiment technologies.

David stopped reading and stared blankly at me. I didn’t really know what to say. Sensing I was at a loss for words, he told me that this was the first and last time he would be able to share this information with me. I passed the photo album back to him; he placed the journal on top of it and carefully locked everything up in the box. I left with a million more questions than answers.

Sadly, David passed away a few years ago. His death was the tragi

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The World Wide Web is similar to tests of strength knights of yesteryears went through. To taste success a website needs to be more than functional or great looking. It is a complicated business and webmasters are now kept on their toes trying to get higher rankings on search engines.

Mobile phones, being the latest craze in the realm of electronic communication, are becoming fashionable. Take a glance at the new Samsung handsets, they are here to captivate you with the futuristic style and outstanding functionality. Samsung phones are fully loaded with multimedia features and business functions, ensuring you a satisfying mobile phone experience.

I asked my husband out on a date for next weekend. He paused for a second before he said yes. That was weird. Why did my own husband pause when I asked him out?

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