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Posts Tagged ‘Care’

hey someone please answer this i dont care if you guess.. .just answer if you are like in 10th grade or higher?

28 Aug

. What does leasing a car involve?
(Points: 2)
Purchasing a car from a car dealer rather than from the previous owner

Using a loan to buy the right to use a car only on specific days of the week

Paying off the car loan over a period of time that’s longer than the car is owned

Renting the car for a specific period of time and paying for its depreciation

2. When can a bank repossess someone’s car?
(Points: 2)
When the owner buys a used car

When the owner gets into an accident

When the owner cancels the insurance

When the owner defaults on the loan payments

3. Which of these makes a student loan different from other types of loans?
(Points: 2)
Students don’t have to provide any collateral to get a student loan.

Student loans are sponsored and guaranteed by the government.

The principal on a student loan is paid off before the interest is applied.

The payments on a student loan can’t be shown on an amortization table.

4. Which of these describes how a five/one ARM mortgage works?
(Points: 2)
The monthly payment is one-fifth of the total purchase price of the house.

The interest rate is fixed for five years and then changes every year afterward.

The interest rate charged on the mortgage is five times the normal interest rate.

The annual fees on the mortgage are only charged during the first five years of the loan.

5. What is one of the advantages of getting a government-sponsored mortgage instead of a conventional mortgage?
(Points: 2)
Government mortgages are easier to get approved than conventional mortgages.

Government mortgages allow home buyers to spend more money on their house.

Government mortgages charge lower interest rates than conventional mortgages.

Government mortgages prevent the government from taking the property for public use.

6. What is one advantage of using a credit card to make purchases?
(Points: 2)
You earn interest on your purchases.

You can buy something now and pay for it later.

You automatically improve your credit history.

You get instant access to your checking account.

7. Match each of the fees below with the situations where a credit card customer would get charged.
(Points: 2)

Matching:

Answer Potential Matches:
: Annual fee
1: The credit card company requires a yearly payment for the right to use the card.

2: You use a new credit card to pay off the $1,000 balance on another credit card.

3: You pay your minimum payment one week after the due date.

4: You withdraw $500 from an ATM using your credit card.

: Balance transfer fee

: Cash advance fee

: Late payment fee

8. Why is it important for people to maintain a good credit history?
(Points: 2)
So that the IRS won’t investigate them for tax fraud

So that it’s easier to list the expenses on their personal budget

So that they know all of the fees associated with their credit cards

So that they have an easier time getting loans and credit cards

9. Which of these credit card features would be best for customers who think they might not be able to pay their balance at the end of each month?
(Points: 2)
No fees for cash advances

A high balance transfer limit

A low annual percentage rate

An annual fee that can be waived

10. Match each of the credit card terms with its definition.
(Points: 2)

Matching:

Answer Potential Matches:
: Annual percentage rate
1: Number of days to run a balance before fees or interest are charged.

2: A listing of a person’s financial information and history

3: A credit card with money in a savings account to act as collateral.

4: The amount of interest paid on unpaid balances.

: Grace period

: Secured card

: Credit report

 
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Is this the Republican Health Care Plan?

06 Jun

Leave the uninsured uninstured?

GOP healthcare bill would leave 95 percent of uninsured without coverage

By John Byrne
Thursday, November 5th, 2009 — 8:35 am

House Republicans’ healthcare bill has left Congressional budget auditors scratching their heads.

An analysis by the Congressional Budget Office has found that the Republicans’ proposed healthcare overhaul would cover just 3 million Americans by 2019, and leave 52 million Americans uninsured — effectively covering just 5 percent of those who would otherwise be uninsured.

That means 95 percent of those who are uninsured will still be without coverage in 2019.

What’s more, the number of non-elderly Americans lacking insurance would likely remain unchanged from today – with 17 percent of Americans having no health insurance.

The New York Times notes:

The Congressional Budget Office said on Wednesday that an alternative health care bill put forward by House Republicans would have little impact in extending health benefits to the roughly 30 million uninsured Americans, but would reduce average insurance premium costs for people who have coverage.

The Republican bill, which has no chance of passage, would extend insurance coverage to about 3 million people by 2019, and would leave about 52 million people uninsured, the budget office said, meaning the proportion of non-elderly Americans with coverage would remain about the same as now, at roughly 83 percent.

 
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Would Universal Health Care make auto insurance cheaper?

29 May

Seeing as how such a huge portion of auto insurance costs go into medical care for accident injuries, would having UHC lower auto insurance premiums?

 
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Where can I get a good Long Term Care insurance policy?

29 May

I am 54 yrs. old, looking into purchasing Long Term Care insurance. I would like the best coverage for the lowest possible premiums, but a policy that would cover any and all possible care needs, including Assisted Living, as I may need it as I age. Thank you.

 
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If I send my health insurance premium money to Obama to help Hillary, will they make sure I get health care?

24 May

Or should I keep paying my health insurance?
WARNING: Joshua’s link, unfortunately, is an advertisement that is inescapable through the “back” button!

 
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what is the average cost of long term care insurance in Illinois?

16 May

I live in the Chicago suburbs and would like to get an idea of what the premiums are for long term care insurance.

 
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Exactly what value do private insurance companies add to our health care system?

14 May

It costs employers huge amounts of money to pay premiums and track and administer complex benefits programs. This puts our companies in definite disadvantage to companies from countries with national health care.

Has anyone ever been made healthier because of insurance companies?

Is it possible that insurance companies are sucking more $$$ out of the system than it would take to finance national health care?

Seems to me we are just paying the health insurance companies to deny us care. I think they are useless feeders and parasites and we’d be better off without them.

Comments?
tincoatr: The US postal service works quite well, it’s cheaper than Fed X or UPS. Social Security administration is another example.

 
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Did Ron Paul have by far the freshest and best idea for Health Care?

14 May

In these United States of America, one of the wealthiest countries on the planet, many people cannot afford even basic health insurance. They suffer severely under the present system and have to live under the constant fear of not knowing what they will do if they or their loved ones ever fall seriously ill.

But in many cases, insured individuals aren’t much better off either. In comparison to the exorbitant insurance premiums they pay, the medical care they receive is often very poor.

Additionally, due to the government-enforced monopolies of HMOs (Health Maintenance Organizations) and pharmaceutical companies, many patients will never even hear about some of the most effective and non-invasive treatment methods. These natural and inexpensive ways of regaining one’s health are being suppressed by the FDA and the medical establishment not because of safety concerns (they’ve been around for hundreds of years), but because they cannot be patented and would therefore cut into the pharmaceutical industry’s profits.

The current system is most definitely broken, and it must eventually be abolished if we want regain both our health and our freedom.

Forced nationalization is the worst possible answer. To get elected, many politicians promise “free” medical care for everyone. But health care nationalization in European countries resulted in longer waiting periods, severe lack of choice, deterioration of health care quality, prohibition of alternative health treatments, higher taxes, and sadly (for some) permanent illness or death because they could not get the care they needed.

Also, a nationalized system is not “free” at all because someone has to pay for it. And why should anyone be forced to pay for someone else’s medical care? Very few decent people would personally assault their neighbors at gunpoint and steal thousands of dollars to pay for their own medical needs. How could any freedom loving person agree to delegate such criminal acts to the government by supporting a nationalized health care system?

There is only one solution that will lead to true health and true freedom: making health care more affordable. Ron Paul believes that only true free market competition will put pressure on the providers and force them to lower their costs to remain in business. Additionally, Ron Paul wants to change the tax code to allow individual Americans to fully deduct all health care costs from their taxes.

Through these measures and the elimination of government-sponsored health care monopolies a much larger number of people will be able to finally access affordable health care, either by paying for medical insurance or by covering their medical expenses, which are now much lower, out of their own pocket.

As for the poor and the severely ill who can neither obtain insurance nor pay for the medical care they need, Ron Paul offers the following solution in his book “The Revolution: A Manifesto“:

” In the days before Medicare and Medicaid, the poor and elderly were admitted to hospitals at the same rate they are now, and received good care. Before those programs came into existence, every physician understood that he or she had a responsibility towards the less fortunate and free medical care was the norm. Hardly anyone is aware of this today, since it doesn’t fit into the typical, by the script story of government rescuing us from a predatory private sector.”

Illegal aliens already receive de-facto free health care. Why can’t poor Americans have the same… not as a right, but as a charitable benefit provided by doctors who feel a personal responsibility for their fellow citizens?

Unfortunately, the current medical monopoly corrupts many doctors by rewarding practices that are not in the patients’ best interest. Pharmaceutical companies have a vested interest in not curing people, but getting them permanently addicted to expensive drugs that have many side effects, thereby requiring additional drugs to suppress those side effects. Many doctors are afraid to speak up and question the system for fear of being ostracized by their peers or even losing their license.

Under a liberated health care system prices would come down and additional options would become available, thereby making health care much more affordable. Moral corruption would give way to true compassion, and many doctors would remember their implicit obligation to provide free medical care to those in need, just like they did in the past.

As a medical doctor, Ron Paul swore the Hippocratic Oath many decades ago. His entire person and career is a monument to the beauty and sanctity of human life. Ron Paul knows that life without health can be very difficult and is not what it was meant to be. He has personally cared for the poor for many years, without asking anything in return.

The government’s original role is to protect our freedoms and restrain itself from causing too much harm. Ron Paul is working to prevent greedy
bureaucrats, opportunist politicians and corrupt pharmaceutical companies from having any sort of unhealthy influence over our bodies and minds.
Join the Ron Paul Revolution and help us put the government back where it belongs: to Washington DC and out of our daily lives
source: www.ronpaul.com
FYI, I did not write this. It’s from above source.

 
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Would this administration ever think of jailing it’s own people if they choose not to buy health care?

08 May

Good God, this is unbelievable, somebody needs to stop these freaks, now! ( and for those who compare it to auto insurance…no one forces you to buy a car)

Sen. John Ensign (R-Nev.) received a handwritten note Thursday from Joint Committee on Taxation Chief of Staff Tom Barthold confirming the penalty for failing to pay the up to $1,900 fee for not buying health insurance.

Violators could be charged with a misdemeanor and could face up to a year in jail or a $25,000 penalty, Barthold wrote on JCT letterhead. He signed it “Sincerely, Thomas A. Barthold.”

http://www.politico.com/livepulse/0909/Ensign_receives_handwritten_confirmation_.html?showall

corndog: You say that everyone should carry their weight, but your entire post is how I should gladly accept that I have to pay others’ health care bills…?

 
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So the health care bill is now losing support……….?

06 May

I’m glad it’s losing support and I hope it fails…………….

Look, I’m pro-health care reform.
I really am.

but I just feel they went way out of line trying to FINE and IMPRISON people for refusing to buy health insurance.

I understand the argument, “If everyone has insurance, it will save money in the long run.”
But that still doesn’t change the principle; It should be a consumer’s right to choose.
People shouldn’t be forced against their will to purchase things.

If you compare this to auto-insurance……….
there’s a difference:
1. You only have to buy it if you DRIVE. Don’t like it? Then don’t drive.
2. You are only required to cover the car you hit, not your own car.

 
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Has anyone else sought to find out how much health care insurance is for an 18 year old?

06 May

I did an on line search. Using a male 18 nonsmoker, working non-student living in New Jersey. I got back 21 policies prices starting at $169 per month. I compared that to an unlimited minutes calling plan with messaging from Verizon and that is $149 per month. I did a third for car insurance on a financed 2006 Toyota Corolla and that started at $700 per month. It does not look to me like there is a health insurance crisis for young people, but rather a car insurance crisis for young people. Why scrap the current health care insurance system that can deliver an EPO plan with $30 office deductible for pretty much the same price as a common cell phone plan?

Esurance used to search.

 
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I have no long-term care insurance because I can’t afford the premiums. What will happen to me?

04 May

I am 69 years old and on Medicare. Can I expect any financial help from Medicaid after my savings are gone?

 
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Health care financing initiative: 7.5% of adjusted gross income set as maximum premium for health insurance?

03 May

The prevailing mood of the electorate in the United States and many of the candidates seems to be shifting toward adopting a national health care system. I do not support this idea since I believe that there are better ways to accomplish our goals of achieving universal coverage without turning this country into a second-rate European-style socialist “prison grid”–where individual rights get trampled by expediant collectivism.

The IRS can teach us something. For decades the IRS collected data on health care spending and came up with a figure of 7.5 % of adjusted gross income as representative of the average amount per household. That percentage was then established as the non-deductible floor. Overlooking the patent unfairness of this development, we can all see the solution to the health care crisis staring us in the face: set a maximum premium limit to be 7.5% of AGI, with wealthier people paying at the same rate but paying far more money. Our current system in effect . .
subsidizes the rich while penalizing the poor in the sense that poor people pay far too high a percentage of their incomes for medical care while wealthy people pay only a tiny fraction of their incomes.

Today, this is exactly the way we fund Medicare—-through a payroll tax that does not cut off as incomes rise. While we don’t need another “Medicare” in this country, legislative action can impose these premium limits on private insurers.

Your thoughts and comments, please?

 
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Why Are Conservatives Comparing Health Care To Auto Care?

02 May

Cars are a luxury. If you can’t afford insurance then you shouldn’t own and drive a car. That’s why we have public transportation (but I guess that wouldn’t matter if you lived in the unsustainable car-cultured suburbs).

Good health care is a necessity for humans to survive in this world. You can’t do much of anything if you have a massive brain tumor but can’t afford to treat it (although you pay just as much taxes to our governemnt as anyone else).

 
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Why don’t Americans deserve national health care?

26 Apr

I’ve noticed that when it comes to material possessions and the luxuries that Americans get to enjoy each day that no other country can compare but I’ve also noticed that when it comes to the cost of health care & things like college America isn’t that great. If you get sick you’re swamped in debt our insurance companies are money hungry and have no real interest in the health of the people they buy off politicians to support their causes & brainwash people. I’ve noticed in other countries their general way of life when it comes to material possessions are lesser than ours I find the homes much more cramped and smaller than ours which is of course because their ‘governments’ have to find a way to pay for all the expenses free medicine would cost. So my question is are we putting material possessions above health? Do we value the size of our homes the brands of our cars and clothes over human beings? How would national health care effect America would we have to live moderately like people do in other countries? Would we be exchanging our luxuries for free health care & education?
I was pretty happy when I visited the UK for several weeks everything just seemed smaller there. I always notice the good & bad when i arrive back home from visiting other countries. Something that cannot be ignored any longer in this country is our health care.
OSU girl i fully agree with you.
Micheal everyone should have health care about 5 years ago I had the insane notion that my then boyfriend (now husband) & I were young & healthy so why should we have heath insurance? My boyfriend suffered a sports hernia while uninsured which required surgery naturally he couldn’t get covered by any insurance company so we had to pay a massive and i mean massive bill. And as for myself I was hospitalized for almost one week with diverticulitis while insured & the amount i still had to pay with insurance was still extremely high.
Rick and in the event either of you get seriously ill what you will have to pay even with insurance will be extremely high and would be a disater for your situation it happened to me years ago.

 
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