We had a cluster failure today we need to return back from 2 weeks (May 16, 2013).
That means anything done between 16 May and 1 June is gone.
More information can be found here.
The government has asked finance companies to develop less complicated products to encourage savers. Photograph: Philip Brittan/AlamyThe government is urging financial services companies to offer a set of simple financial products to customers to encourage more people to save.
A report commissioned by the Treasury has outlined four accounts and policies that should be offered and standards they should meet before being put on the market. The products will be reviewed by the British Standards Institution and those that qualify will be given a kitemark showing they meet the standards on simplicity.
A steering committee led by Carol Sergeant, a former chief risk officer at Lloyds Banking Group, was asked to look at the implementation of simple products after concerns consumers were being deterred from saving by the complexity of products on offer.
It spoke to groups representing banks, building societies and insurers, and has outlined products which the industry has indicated it will be willing to offer. The Treasury will review the marketplace in 12 months to see whether providers are making the accounts available.
The first set of simple financial products will be an easy access savings account, a 30-day notice savings account, a regular savings account, and a fixed-term life insurance product, typically the type taken out with a mortgage.
Under the proposals, the savings would have low minimum investment levels – just £1 for the instant access and notice accounts – and there would be limited restrictions on withdrawals and access.
Information on the products will be "straightforward and consistent" and the key terms and conditions will be the same for each product, making them easy to understand and compare.
The next product available should be a whole-of-life insurance policy, and the Association of British Insurers has been asked to look at how an income replacement policy could be added to the list.
Sergeant said: "We have known for a long time that being able to manage your finances effectively leads to increased well-being and a better quality of life, at every given level of income.
"I hope the simple financial products initiative will make it easier for people to understand and compare the key financial products they need and make good choices with confidence."
The economic secretary to the Treasury, Sajid Javid, said: "The challenge now is to ensure that the work that has gone into the Sergeant review is transformed into tangible changes for consumers, and I look forward to discussing progress made with the industry and consumer groups next year."
Richard Lloyd, executive director of consumer group Which?, welcomed the proposals. "Consumers should not have to tackle pages of terms and conditions and they should be told clearly what rates and charges apply, so they can shop around more easily and get a fair deal," he said. "We now look to the financial services industry to deliver on these proposals."
The head of the Building Societies Association, Adrian Coles, said his members had been pleased to take part in the review of the market but pointed out that there are other deterrents to saving.
"We understand that the current economic climate is challenging for savers and that squeezed household budgets coupled with lower interest rates are currently a disincentive to saving," he said. "Nevertheless, the report makes some helpful proposals."
Previous initiatives to simply financial products have fallen by the wayside. Sergeant said the lessons learned from past attempts had informed the report.
"It is clear that successful products need to be affordable for consumers as well as commercially viable; meet real consumer needs; be straightforward to understand, compare and manage ; and be supported by a wide group of key stakeholders," she said. "Over 50 organisations have been involved in putting today's recommendations forward, and we have the full support of consumer bodies for these products and the commitment of the banks and insurance companies to deliver them."
SpaFinder launched the “I Will Reflect” bracelet to raise awareness about melanoma, the deadliest form of skin cancer. This white bracelet becomes purple when exposed to harmful UVA/UVB sun rays. I wore it for two weeks, and I think it’s a great reminder to wear sunscreen daily. The rubber bracelet is lightweight and convenient, but with the word “reflect” engraved in metal, it’s obvious that this isn’t just a fashion accessory. I expected the bracelet to change colors under the bright sun, but I was surprised to see it turn purple during cloudier days.
If you often forget to apply sunscreen, I encourage you to give this product a try. The “I Will Reflect” bracelet is available on the SpaFinder Web site for 4.95 – but if it saves you from skin cancer, it could be priceless.
SpaFinder launched the “I Will Reflect” bracelet to raise awareness about melanoma, the deadliest form of skin cancer. This white bracelet becomes purple when exposed to harmful UVA/UVB sun rays. I wore it for two weeks, and I think it’s a great reminder to wear sunscreen daily. The rubber bracelet is lightweight and convenient, but with the word “reflect” engraved in metal, it’s obvious that this isn’t just a fashion accessory. I expected the bracelet to change colors under the bright sun, but I was surprised to see it turn purple during cloudier days.
If you often forget to apply sunscreen, I encourage you to give this product a try. The “I Will Reflect” bracelet is available on the SpaFinder Web site for 4.95 – but if it saves you from skin cancer, it could be priceless.
SpaFinder launched the “I Will Reflect” bracelet to raise awareness about melanoma, the deadliest form of skin cancer. This white bracelet becomes purple when exposed to harmful UVA/UVB sun rays. I wore it for two weeks, and I think it’s a great reminder to wear sunscreen daily. The rubber bracelet is lightweight and convenient, but with the word “reflect” engraved in metal, it’s obvious that this isn’t just a fashion accessory. I expected the bracelet to change colors under the bright sun, but I was surprised to see it turn purple during cloudier days.
If you often forget to apply sunscreen, I encourage you to give this product a try. The “I Will Reflect” bracelet is available on the SpaFinder Web site for 4.95 – but if it saves you from skin cancer, it could be priceless.
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With healthcare costs skyrocketing, more and more Americans - both insured and uninsured - are looking for quality care outside of the U.S. State-of-the-art hospitals abroad offer the latest cutting-edge procedures performed in the U.S. including orthopedic procedures such as knee or hip replacement surgery. International hospitals also offer U.S. patients the benefit of providing procedures not yet available in the U.S., such as and lumbar dynamic stabilization procedure for the spine, a non-invasive alternative to the common, more drastic and less effective spinal fusion.
Before trusting one's health to hospitals or hip replacement surgeons abroad or locally, it's a wise idea to research all options and ensure the care provided meets the highest standards of medical treatment available.
Following three steps will help ensure that medical travelers receive the best care when shopping for quality orthopedic care away from home.
Step One: Ask for a Quote
Even when placing priority on quality medical care abroad, it is still important to plan both treatment and travel within a budget. Experienced professionals can provide a quote that is customized to the medical traveler's unique needs.
There are a number of reputable medical travel agencies for medical travelers to choose from, however, more and more international hospitals are beginning to offer medical travel coordination services so that the patient and insurance company can address all issues and questions related to the procedure with 'one stop shopping'. Hospitals providing medical travel services will package the surgeon's fees, anesthesia and other hospital fees, hospital stay, lab tests into quote, adding hotel and airline separately so the patient enjoys full transparency of the breakdown of the costs. After narrowing the selection of hospitals, the next step is to provide one's medical history and records for the most accurate quote. Some hip replacement surgeons may require a consultation, depending on the complexity of the individual's needs, but should arrange these consultations for free.
This first step will provide a clear expectation of what the surgery and hospital care will cost, with no unpleasant surprises. That's why it's smart to have a full team of trustworthy professionals looking out for the medical traveler's best interests, and delivering peace of mind.
Step Two: Medical Travel Coordination
The first step in planning for medical travel is deciding on one of the hip replacement surgeons and having a phone consultation with the surgeon. A full discussion of your case should occur, including information about the prostethetics, the length of the procedure, pre-surgery instructions and full detailing of what to expect during the recovery period. After the surgeon has reviewed one's medical records and approved the medical traveler for surgery, the next step is to meet with a travel coordinator who will simplify the tedious tasks of arranging travel, lodging, and any other additional costs or accommodations needed during travel.
The travel coordinator should provide an itinerary that includes a detailed schedule, travel information, important contact numbers, and other pertinent details. All transportation should be arranged upon arrival, so treatment can begin as soon as possible. Reputable companies arrange the travel itineraries for all travelling companions, as well.
Step Three: Surgery and Quality After Care
In some cases, hip replacement surgeons may require a follow-up consultation before the medical traveler is released to travel home. If that's the case, the medical travel company should have access to low prices on hotel rooms close to the hospital where the traveler can stay in the interim.
Following hip replacement surgery, a surgeon will recommend using compression stockings to prevent blood clots. This requires special attention when the individual is returning home. Special arrangements may need to be made for the travel post surgery, another overwhelming task made easier when working with a dedicated and professional medical travel hospital or agency.
The difference is quite simple: when trusting one's health to a hip replacement surgeon, there is a lot of stress and emotion involved. It is often difficult and to choose a quality hip replacement surgeon in a foreign country while also trying to plan the travel details.
However, a good company will prioritize the unique needs of a medical traveler before, during, and after surgery. Professionals work on the individual's behalf, taking into consideration specific medical needs, to find the best hip replacement surgeon, arrange consultations and medical procedures, as well as providing quotes of cost for medical travel and even making arrangements for a less stressful experience.
