The Frank Lampard quiz

first_imgChelsea fans got the news they wanted this week, when Frank Lampard signed a new contract at the club following months of speculation about his future. How much do you know about Chelsea’s all-time leading scorer? Test your knowledge of Lampard’s Blues career by seeing how many of these five questions you can answer correctly.[wp-simple-survey-98] 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 Follow West London Sport on TwitterFind us on Facebooklast_img read more

Tracking investments on your mobile

first_img19 August 2010South African financial services group Stanlib has launched Stanlib Mobile, an application that will enable clients and intermediaries to view their full investment portfolios via their mobile phones.Using Stanlib Mobile, investors will have access to real-time information on their unit trusts, linked investments, retirement portfolios and offshore investments.Benefiting mobile workersThis is the first time that Stanlib intermediaries and investors will be able to view client statements, check investment balances, as well as view asset allocation and fund allocations via their mobile phones. In addition, intermediaries will be able to e-mail clients their statements direct from their mobiles.“The majority of intermediaries serve their clients out of the office and are mobile workers,” Stanlib chief operating officer Anthony Katakuzinos said in a statement this week.He said that while some industry players did offer clients and intermediaries the opportunity to view their share portfolio online, this was the first time that they would be able to view their investment portfolio via a mobile platform.“The Stanlib Mobile solution will now offer the intermediary the opportunity to discuss their client’s investment portfolio by simply using their cellphone – something they never leave home without.”Following a global trendKatakuzinos said that increasing numbers of consumers around the world were becoming more sophisticated and involved in their investment decisions, and that having access to investment information via a cellphone enabled real-time decision-making intelligence.“In line with this global trend, we have launched the Stanlib Mobile offering,” he said.Users who have registered through the Stanlib online secure website will be able to use the mobile service 24 hours a day. The application runs on iPhone, Blackberry and most other makes of handsets.SAinfo reporterWould you like to use this article in your publication or on your website? See: Using SAinfo materiallast_img read more

Health sharing or insurance?

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Risë LabigBy Risë Labig, marketing specialist for Ohio’s Country Journal and Ohio Ag NetLast year at this time, my husband and I were in the process of deciding whether to continue to participate in my company’s health care plan, or change to a “health-sharing” plan. Like the majority of Americans, premiums and deductibles have skyrocketed. Through no fault of our employer, I knew that based on us hitting milestone birthdays our premiums would rise. And rise they did, to the tune of over $1,100 per month, and that doesn’t include the deductible.I am employed at a small business (Ohio’s Country Journal/Ohio Ag Net), as many people are. Small businesses simply do not have the “buying power” of a large group. As a result, premiums and deductibles are high. As anyone who has tried to navigate through deciding which deductible to choose — higher deductible, lower premium versus lower premium, higher deductible — well, it’s not easy. If your family medical history includes pre-existing conditions that are treated often, you may want the lower deductible. If your family history has leaned toward few medical issues, you may lean towards choosing a higher deductible so your premium is a little lower. It’s about risk, and no one understands risk better than those of us in ag.Years ago, I had worked for one year in the life-health insurance division at an insurance company. I learned much in that year. It was with this knowledge under my belt that I felt I could research health-sharing and understand the differences from medical insurance.Please note that health-sharing and health insurance are NOT the same. This is very important to understand. I like this definition, from CHM on what health sharing is: Health cost sharing is a way to satisfy your healthcare costs and help others while upholding your Christian beliefs and sticking to your budget.We chose Christian Healthcare Ministries, which is the nation’s original health cost sharing ministry. It provides an affordable, accountable and faith-based framework to help fellow believers facing a health crisis. Likewise, brothers and sisters in Christ step in to help you in your time of need. Members’ pre-set monthly financial gifts to CHM are the funds used to share each other’s healthcare costs. The ministry shares 100% of eligible bills and overall has shared over $3.5 billion in members’ healthcare costs. CHM is also a Better Business Bureau Accredited Charity. CHM is an eligible option for individuals and families under the national healthcare law.I seriously began to consider health sharing when I was scheduled to take a sleep apnea test home study. (Yes, I was not a “silent sleeper” and was going to share a cabin with my sister. She said I should do something about it, sis, so grudgingly I did.)The hospital had called to confirm the home study sleep test, and I asked the cost for the test. It was about $762. Since I had not used my deductible, insurance would cover only $150 of it, which meant I would pay the balance of $612 out of pocket. It just irked me that even though I had insurance, paid a high monthly premium, and hadn’t used my deductible, I would still have to pay out-of-pocket. So, I decided to call back and ask what my cost would be if I did “self-pay”. She immediately said, “Oh — that’s an automatic 60% discount.” Yep. The wheels started turning.So, the research began. I understood fully that it would mean I would become “self-pay.” I wouldn’t have medical insurance. Could we consider this? Was it too risky? I evidently gravitate to risk since I married a farmer.Health sharing means that we are, in essence, sharing our medical bills with other people of a large group of similar beliefs. Christian health sharing has been around a long time. I reviewed what I considered the top three “safe” companies: Christian Healthcare Ministries, Samaritan Ministries, and Medi-Share. There are differences between all of them. I leaned toward CHM. They have been around the longest, have a great track record, and most importantly, I had local friends that had been using them for a few years and were quite satisfied.We ran an article about a year ago on Samaritan Ministries — you can read the article here.I know a few other farm families that have chosen Medi-Share. Please note that I believe ALL of these companies are very good. We go with what we know, so we decided to choose Christian Healthcare Ministries.Our monthly premium, for Scott and I, is $150 each, or $300 per month. This includes a $500 deductible (meaning I pay the first $500 out of pocket for each unique illness). We knew the real challenge would be when we had our first office visit, medical testing, etc. Incidentally, my boss kept asking how I liked health sharing — and I told him that I don’t know ‘yet’ since I hadn’t had to use it (and that is a good thing).Between Scott and I, we take just a few prescriptions. I made sure to check what prescription costs would be. I presumed they might increase, and this might be one of the “risks” I would take, yet I reasoned that a lower premium would offset a minor prescription increase. I challenge you all to take a look at what you are paying for prescriptions. I was shocked that I could actually get my same prescriptions for the same price and even LESS than what I was paying for WITH medical insurance. What? Yes. The website allowed me to review and compare. And I also found I could get them cheaper elsewhere in town, and I did. Another savings.Our first occasion to use the health sharing was my annual blood test. I take blood pressure medicine and have hypothyroidism, so I take meds for those two and the doctor wouldn’t renew any prescriptions without it. Tests were ordered at CompuNet, and typically I never saw a bill for these when I had medical insurance. No charge. Right?I told them I was “self-pay” when I signed in. They didn’t bat an eye. She said, okay, the price today for all the tests ordered is $742.01 (Gulp. I reasoned with myself that I was saving more than each month by my lower premiums) What surprised me was that she said: “and so, since you are self-pay, it is an automatic 50% discount.” Yes. And she continued to say that next time I have blood tests, I can order many of them myself. I was astounded. Instead of $353.42, I could pay online, self-pay for $45. I must admit, now I was feeling even better about my decision to do health sharing.It gets better. A week or so later, I received a postcard in the mail from my local hospital. They were sharing the exact same story. They were offering “patient self-directed testing at a reduced cost as an alternative for individuals that have insurance with a high deductible and for those who do not have insurance at all.” I encourage you to see if your local hospital offers the same. Share this with someone. It may save them money.So what does happen when I have something other than a simple office visit or blood test? Visit here to see the steps necessary to take when unplanned illnesses or emergencies arise.We chose the Gold level plus Brother’s Keepers plan. I will have unlimited financial assistance available to me for all eligible medical bills (bills must total over $500 per incident). The Brother’s Keeper is a safeguard against catastrophic or illness that can exceed $125,000 (Gold plan). I must submit all and any medical invoices, with proper coding, to CHM. I had experience with this at the insurance company, so I knew it was quite doable for me.Who might not want to consider health-sharing? If you have pre-existing conditions, please note that you will want to carefully read each company’s guidelines. Each company handles these uniquely, and must follow the law. Again, health sharing is not medical insurance. But it works, and has been around a long time.As a family, we use a lot of natural health alternatives. They work for us. Exercise is a huge benefit (we’re still fine-tuning that one). Personally, we believe we need to do as much as we can for our own self-care to avoid running to the doctor for every sniffle. Each family is unique, and may not be able to do this, so do your research.If you have more questions than what these company’s websites might provide, please know you are welcome to reach out to me at rlabig@ocj.com. I hope this article helps those of you who are interested in pursuing health sharing, and also encourages you to see if there are additional ways to lower your medical costs.last_img read more

Google Voice Is Now Open for Everyone (in the U.S.)

first_imgA Web Developer’s New Best Friend is the AI Wai… Related Posts frederic lardinois Google Voice gives you a new phone number that can ring all of your landline and mobile phones simultaneously and provides automatic voicemail transcriptions. In addition, Google Voice offers free calls and text messages in the U.S. and Canada, as well as cheap international calls.The service is based on GrandCentral, a service that Google acquired in July 2007. Last November, Google also acquired Skype competitor Gizmo5, though the company hasn’t integrated any of Gizmo5’s functionality into Google Voice yet. In the long run, though, Google Voice could easily morph into a full-blown competitor to Skype.A number of other services, including the newly launched Phonebooth.com and Ribbit have launched Google Voice competitors with very similar features, though Google’s name recognition and ability to integrate this telephony service into its other products gives Google a competitive advantage. Tags:#Google#news#web Top Reasons to Go With Managed WordPress Hostingcenter_img Our Favorite FeaturesIf you are not familiar with Google Voice, here are some of our favorite features:transcribed voicemails: whenever somebody leaves a voicemail, Google Voice will transcribe the message as best it can (this only works for English right now). These transcripts are then forwarded to your email account and you can also opt to receive an SMS notification. listening in to voicemails: whenever you receive a call and decide to let it go to voicemail, you can also choose to listen in and even pick up the call if it turns out to be an important message. This feels just like the old days when answering machines with tapes were still a novelty. call screening: one neat option in Google Voice is the ability to screen calls. If you activate this feature, callers will be prompted to leave their name once they call, and once you pick up the phone, Google Voice will play the name back and you can choose whether you want the call to go to voicemail or actually speak to this person. You can opt to let all unknown callers who are not in your Google address book go through this procedure or just those calls from callers who have blocked their caller ID. recording calls: at any time during a call, you can press 4 and the call will be recorded. This only works for calls you receive on your phone for now, and doesn’t work for outgoing calls. conference calls: just ask participants to call your Google Voice number and as more callers arrive, you can just conference them in – this works for up to 4 callers. switching phones: if you want to switch phones during a call (say you took a call on your landline and decide you want to take a walk and continue the call on your cell), just press * and all your other phones will ring again and you can continue the conversation on any othe rphone. SMS: you can send and receive text messages from your Google Voice account and web interface integration with Google Contactsit just works: the call quality is good, we didn’t experience any outages during the last few months, and calls aren’t dropped. Google Voice does what it says it does, and it does it well. 8 Best WordPress Hosting Solutions on the Market It’s been a long time coming, but Google just announced that Google Voice is now open for everyone. Until today, Google Voice was an invite-only service, though Google slowly opened up the doors to more users over the last few months and the service already has over one million users. Starting today, anybody with a Google Account in the U.S. can open a Google Voice account and get a Google Voice phone number without having to wait for an invitation. Why Tech Companies Need Simpler Terms of Servic…last_img read more

Flood toll touches 200, thousands homeless

first_imgHuman toll in the floods and relentless rain across the country reached almost 200 by Wednesday even as thousands in Gujarat, Rajasthan, Assam, Odisha, West Bengal, Jharkhand and elsewhere were forced out of their homes into temporary shelters.A horrible tragedy unfurled as waters receded in Banaskantha district of Gujarat, as bodies of 17 members of a single family were recovered from the banks of Banas river in Khariya village. Rescue workers found a total of 25 dead bodies in the area, and fear that more could be found in the coming days as water recedes. The area was completely inundated when the State authorities released 1.5 lakh cusec water from Dantiwada dam to the Banas river.On Wednesday, the Indian Air Force and Army intensified their rescue operations, mobilising a dozen choppers and motorboats to reach interior villages where thousands of people are still stranded in floodwaters. “More than 650 people were rescued by the agencies on Wednesday, including 272 people air lifted through Air Force choppers,” Principal Secretary (Revenue) Pankaj Kumar said.According to latest estimates, at least 111 people have lost lives in Gujarat since June 1.Over 50,000 people have been relocated to safer places, most of them residents of the worst affected districts in northern Gujarat, Banaskantha and Patan. In Rajasthan’s Pali district where rains continued to lash the remote areas on Wednesday, 26 of the 60 dams were overflowing and several far-off villages were still cut off. ‘PM ignored Assam’Authorities said the death toll in floods and rain in Assam was 77 as of Wednesday, as situation noticeably improved in the State. A seven-member inter-ministerial team from the Centre visited Assam on Wednesday to take stock of the situation, even as Prime Minister Narendra Modi came under attack from opposition parties and activists for ignoring Assam’s flood situation.last_img read more

Protests in J&K continue over rape

first_imgProtests continued in the Kashmir valley on Tuesday over the rape of a three-year-old girl in Bandipora district, the officials said. The State police has constituted a special investigation team to probe the case and one person has been arrested. Even as the authorities closed several educational institutions in the valley, students took out protest rallies against the rape of the minor girl in Sumbal area of north Kashmir’s Bandipora district last week, the officials said. They said protests erupted at Women’s College at Maulana Azad Road here as the students came out of their classes and assembled in the campus. The students demanded stern action against the accused, the officials said, adding that later the protesters marched towards the Press Enclave here. Protests rocked Kashmir University in Hazratbal area of the city where students of different departments under the banner of Kashmir University Students Union assembled inside the campus to register their protest, the officials said.last_img read more