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online pilates classes

Comparing generic cialis soft tab to other ED treatments.

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290

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Finding a treatment for ED can be a lengthy and discouraging quest, and costly at that. Millions of men worldwide suffer from ED and its frustrations everyday, frustrations that carry over into work and other areas of life.

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Finding a treatment for ED can be a lengthy and discouraging quest, and costly at that. Millions of men worldwide suffer from ED and its frustrations everyday, frustrations that carry over into work and other areas of life. ED does not have to be suffered silently as there are treatment options and there are sources to help decide which treatment could be best. We are one of those helpful resources, and hopefully we can help you compare treatments and find the best for you.

Treatments for ED are very expensive and some insurance companies refuse to pick up any of the cost. This can mean that the price for a single pill can be around ten dollars or more, unaffordable to many. And purchasing a treatment that does not work is not a money-back guarantee: once you purchase a treatment, you own it even if the bottle just takes up space in the medicine cabinet. Our website has been designed to compare and analyze various treatments on the market in addition to their generic counterparts and other alternative therapies so that men can make an informed decision on their ED treatment.

Featured articles right now on our site involve the examination of generic medications over name brand ones. Are they are effective? Are they a wise choice when trying out treatments? We will give you the information you need to make an informed choice. Articles on Generic Cialis soft tab and Generic Viagra soft tab medications are the newest additions to our site, and will hopefully help in making the right treatment decision today! Browse through numerous articles now on the most popular treatments and get started on the road to recovery. Get life back to normal with our help.

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cleaning a patio wicklow

STCS The Fascinating World Of Faucets

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752

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Faucets have always been a necessity and the only thing that has changed over the last couple of decades is the style, shape and size. We predominantly use faucets in our bathrooms as well as kitchens.


faucets

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There is a huge variety available in the market and you can either buy it from a hardware store or online. For example: you can purchase the full brass waterfall basin mixer faucet online. This is a multi-purpose faucet that can be used in a bathtub, sink, shower room, kitchen etc. Some of the salient features of the faucet include:

* Multi-purpose faucet but mainly that is available with a single handle
* Has a brass body and is chrome plated
* 40mm ceramic cartridge
* Flow at 3 bars: 20L/min bath-shower, 12L/min washbasin
* High comfort levels in terms of sensitivity, reliability, and temperature selection precision
* Acoustic level is at 3 bars, which is less than 20dB
* Comes with a five-year guarantee

If you are looking for something more stylish then the glass waterfall faucet will be a great idea. Basically there are so many different types of faucets available that you might even feel confused while shopping for one.

What to look for while buying faucets

So if you have decided that your home needs a remodeling and hence you will require replacing of the old standard faucets with new ones then there are several aspects that you would need to consider. Let us take a look at some of the aspects that will help you to choose the right faucet:

Material: The material of a faucet is important because it will determine how sturdy or durable the faucet will be. Some faucets are just stylish while others are stylish and durable. You will need to differentiate between the two. One of the important things that you need to check is the type of finish a faucet has. You will find faucets that are chrome polished, antique brass polished, satin nickel polished, acrylic polished, gold polished, copper, stainless steel, copper and a mix of both. Normally chrome and stainless steel faucets are known to be highly durable. Most of the kitchen faucets are available with a single lever, high arch, pullout spray, and offset handles among many others. The bathroom faucets also offer similar alternatives.

Quality: One of the most important aspects is quality. Don’t just look for the quality of the lever but look for the overall quality of the faucet before you purchase it. It shouldn’t happen that you buy 10 faucets and they last you 10 days. The type of faucets that you should normally avoid include the lightweight faucets that have plastic parts and the ones that washers for controlling the flow of water. Normally when you buy a faucet that uses washers, there is a high probability that the washers might get damaged and you will either have to change the washer if it is available to change the entire faucet. This is nothing but extra expenditure!

Style: Some people buy faucets because they need them and some people buy them to add to the overall décor of their home apart from the need factor. Today there are different types of styles and shapes that you can choose from. The things that you need to consider while choosing a faucet include:

* The type of handle that you want on your faucet like single handle or double handle
* A particular style that you prefer like a traditional style, contemporary style, glass style etc
* The overall finish that you want
* The actual requirements i.e whether you want to install it in your bathroom or kitchen
* Your total budget

These days’ people choose faucets mostly to complement the architectural or style theme of their home or kitchen cabinets or bathroom tiles and walls. Some of the available faucet models are old-fashioned while others represent a modern sculpture. So when you are choosing a faucet you need to make sure the type of décor your home has. You wouldn’t want to buy a Victorian style to complement a modern kitchen because the faucet design will look totally out of place. The faucet needs to also fit the overall color theme if any of your home. You can’t install a red color faucet if the color theme of your home is blue.

You can even have the faucets custom made if you feel that the style you are looking for is not available in the market. The other thing that you can do is purchase the faucet body and handle separately based on your personal choice of colors or themes. There is a huge amount of choice available in faucets so when you go shopping think of your need first!

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pilates mat

Can Fast Food Be Healthy?

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411

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It is possible for people to make healthy food choices even if they only have a short time in which to prepare their meals. The first thing to realize is that it is often that healthy choices do not always mean a need for two-hour meals. A person can choose healthy foods that are quick and easy to prepare at home or to pickup from a takeout place. Cities often provide restaurant guides in their telephone books that display full-page menus indicating what a particular restaura…

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It is possible for people to make healthy food choices even if they only have a short time in which to prepare their meals. The first thing to realize is that it is often that healthy choices do not always mean a need for two-hour meals. A person can choose healthy foods that are quick and easy to prepare at home or to pickup from a takeout place. Cities often provide restaurant guides in their telephone books that display full-page menus indicating what a particular restaurant or drive-thru offers. Many of these food vendors now include healthy alternatives to their usual fast-food selection.

At places like McDonald’s and Hardee’s, it is possible to find consumers who are concerned about their carbohydrate consumption. This has prompted the restaurants to provide other options in their hamburger choices. Hamburgers can be ordered without the bun, for example, and fruit and yogurt are included on the menu along with fresh salads. Many restaurants provide salad choices either as side orders or as complete meals. Often, a salad of fresh vegetables with chopped ham, roast beef or chicken is more attractive than regular menu items. Salads are especially appealing in the summer months because they are lighter on the digestive system.

Restaurants that feature foods in season cultivated by local farmers offer very healthy and affordable choices. Some of these kinds of restaurants will create their own recipes for healthy food options. This provides the consumer with a totally new choice and encourages them to visit the restaurant again.

If home preparation of food is preferred, the options for healthy choices increase. Visiting a local grocery store or supermarket emphasizes the number of healthy choices that are available. Fresh fruits and vegetables are more varied than ever before due to improvements in transportation and preservation methods. All types of cuisine can be prepared quickly because of the choices of fresh goods rather than frozen foods. There are numerous choices among frozen foods as well. The demand for healthy frozen dinners and other meals has increased along with demands for more variety in frozen food offerings. Any frozen food aisle in any supermarket will show as many healthy food options and poor choices. The decision is up to the individual.

People can either choose to eat a healthy diet or an unhealthy one. Time and availability of healthy choices are no longer problems for a person who is trying to eat better and healthier foods.

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pilates mat

Bring the Hammer Down with Generic Viagra!

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611

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Lately I’ve been sharing my horrifying saga of my Generic Viagra obsessed mother-in-law, who was convinced, from the very moment of our wedding, that I would be incapable of properly satisfying her daughter. The story has been truly awful-my mother-in-law, named Beulah, is enough to make any man’s blood run cold, even to interfere with proper blood flow to his penis, and thereby lead to erectile dysfunction. Luckily, Generic Viagra can help with that. But it’s hard not to have trouble getting a rock-hard long dong when your mother-in-law is practically lying in the bed with you, like some official in a sporting event. I often had nightmares about her, sitting atop some tall chair at the side of our bed, like a tennis referee, her head looking back and forth, back and forth, as my huge erection swung around in the air, then pounded her daughter-in and out, in and out, with authoritative forehand and backhand strokes. I hardly needed any Generic Viagra to do the deed back in those early days of our marriage! But no matter what I did, those nightmares continued-I’d dream I was having sex with my wife, and I’d look over to see my mother-in-law atop her tennis chair, shouting “Foot fault! Foot fault! Love 45! Game, set, match!”

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Lately I’ve been sharing my horrifying saga of my Generic Viagra obsessed mother-in-law, who was convinced, from the very moment of our wedding, that I would be incapable of properly satisfying her daughter. The story has been truly awful-my mother-in-law, named Beulah, is enough to make any man’s blood run cold, even to interfere with proper blood flow to his penis, and thereby lead to erectile dysfunction. Luckily, Generic Viagra can help with that. But it’s hard not to have trouble getting a rock-hard long dong when your mother-in-law is practically lying in the bed with you, like some official in a sporting event. I often had nightmares about her, sitting atop some tall chair at the side of our bed, like a tennis referee, her head looking back and forth, back and forth, as my huge erection swung around in the air, then pounded her daughter-in and out, in and out, with authoritative forehand and backhand strokes. I hardly needed any Generic Viagra to do the deed back in those early days of our marriage! But no matter what I did, those nightmares continued-I’d dream I was having sex with my wife, and I’d look over to see my mother-in-law atop her tennis chair, shouting “Foot fault! Foot fault! Love 45! Game, set, match!”

I guess it all began when I learned, even before the wedding, that Beulah mixed Generic Viagra into her husband’s food, just to get his poor, shriveled schlang hard enough for her to mount. The very idea seemed grotesque-like imagining some rodeo bull riding the cowboy! But if it was bad when we first got married, and I was actually still banging my wife the way I did on our first date, you can imagine how bad it got when the years and stress at work caught up with me, and I began suffering from erectile dysfunction! My wife begged me to order Generic Viagra, and, alas, at some point, she mentioned it to her dear mother. I have to admit, I didn’t realize how much truth there was to the old bag’s words about “the women in her line,” until I started having problems. My wife needed sex, and she needed it bad! So of course, she went running to mommy! Not for sex of course, you sickos! For Generic Viagra! She knew I would be too stubborn to admit I had a problem and order some myself, so she ran off to consult with mother dearest. Of course, old Beulah was more than willing to share her stash, which she kept in a big container in the kitchen, marked “sugar.” She also shared some recipes. My wife, luckily, said we’d follow the advice on the Generic Viagra box, and simply take a pill the normal way, an hour or so before we got it on.

Yes, when my mother-in-law heard that I was floppy and flaccid as an old garden hose, and needed Generic Viagra, she was scandalized. It was as if I’d committed some act of criminal negligence-sexual negligence of her precious daughter, who, she was sure, had inherited “her mother’s nymphomania, which had been in her line for generations.” Why hadn’t I asked for some Generic Viagrasooner? These were among the questions she gave me when she came with her daughter to my doorstep, to deliver my erectile dysfunction treatment, and to share some sex tips. But her ridiculous sex tips are a good topic for another story, guys. Until then, take my advice, and pick up some Generic Viagra. It’ll plug up your wife, and shut up your mother-in-law!

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Maths Tutor Ireland

getting_the_job_done__careers_in_project_management

title:Getting the Job Done: Careers in Proje
ct Management
author:Alexa K. Apallas
source_url:http://www.articlecity.com/articles/education/article_122.shtml
date_saved:2007-07-25 12:30:09
category:education
article:

Do you have a take-charge personality? Can you handle a wide variety of complex tasks? Are you good at seeing the big picture? Can you get the job done right, even on a tight deadline? If so, a career as a project manager may be right for you.
In today’s workforce, teamwork is more important than ever. But team projects have a tendency to run over-schedule and over-budget. According to a 1998 Standish Group survey, 56 percent of projects failed to meet their deadlines, and cost overruns averaged 189 percent.
As companies focus more and more on the bottom line, efficiency has become of the utmost importance. Cost overruns and missed deadlines are no longer tolerated. That’s one of the reasons why project managers are in such high demand. Project managers are team leaders who have the management skills necessary to coordinate complex projects. They are responsible for bringing the project in on time and within budget. For the best Maths Tutor In Ireland company, call Ace Solution Books. Project managers may work in a variety of fields, including computer and information systems management, engineering, and financial management. They typically earn salaries in the high five figures, depending on the industry, according to Vault.com.
Project managers help develop the scope of the project and then monitor the progress at every step. They generally work with diverse groups of people at every level within the organization, so diplomacy and strong communication skills are a must. Project managers must also motivate team members and keep them focused on the task at hand. Finally, project managers analyze information and are responsible for decision-making.
Often, project managers start out as members of a project team and advance by demonstrating leadership skills. They may ultimately become consultants or partners in project management companies.
Most project management positions require at least a Bachelor’s degree and some business experience. That’s why American InterContinental University Online (AIU) has developed a specialized course program for those interested in this lucrative, rewarding field. And for project managers looking to further advance their careers, AIU Online also offers an MBA in project management.
AIU Online’s programs allow students to make a career change or climb the corporate ladder without giving up the security of their existing position. Distance learning is also perfect for students who do not live near a traditional campus or who have family obligations that prevent them from attending regularly-scheduled classes. AIU Online offers a number of resources to its online students, including a “Cybrary,” or virtual library, that’s accessible around the clock. Students have lots of interaction with their peers and instructors through message boards, online chats and email. AIU Online also has programs in place to assist students with career planning. And at AIU Online, students can complete their studies quickly. A student who already has an Associate degree can earn a Bachelor’s degree in project management in as little as 13 months. An MBA in project management can be earned in just 10 months.
AIU Online has designed its project management courses to be readily applicable in the real world. For instance, the framework developed by the Project Management Institute is the accepted industry standard, so AIU Online uses that framework in its classes. Also, AIU Online’s instructors have years of experience in the field of project management, so they can share their practical knowledge with students.
Students earning a BBA in project management can expect to take courses in project management, managing project risks and opportunities, and project cost and time management. In the MBA program, students take courses that focus on the integration, scope, time and communication aspects of project management, as well as in cost, quality, risk and procurement.
AIU Online students gain hands-on experience through individual and team projects. They must develop a project scope, budget and timeline, and they must also identify areas of risk and create a risk management plan. The team projects allow students to build their leadership skills.
With a degree in project management from AIU Online, students are prepared to start a new career or advance an existing one. Project managers can seek careers in a number of fields, including general management, human resources management, advertising and marketing, logistics, computer and information sciences, and financial management. Put that take-charge personality to work, and take charge of your career with AIU Online.
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quantity surveyor

EKCS Are Black Molds Toxic?

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457

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The term “toxic mold” is not accurate. While certain molds are toxigenic, meaning they can produce toxins (specifically mycotoxins), the molds themselves are not toxic, or poisonous. Hazards presented by molds that may produce mycotoxins should be considered the same as other common molds which can grow in your house. There is always a little mold everywhere – in the air and on many surfaces. There are very few reports that toxigenic molds found inside homes can cause unique …


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The term “toxic mold” is not accurate. While certain molds are toxigenic, meaning they can produce toxins (specifically mycotoxins), the molds themselves are not toxic, or poisonous. Hazards presented by molds that may produce mycotoxins should be considered the same as other common molds which can grow in your house. There is always a little mold everywhere – in the air and on many surfaces. There are very few reports that toxigenic molds found inside homes can cause unique or rare health conditions such as pulmonary hemorrhage or memory loss.

These case reports are rare, and a causal link between the presence of the toxigenic mold and these conditions has not been proven. A common-sense approach should be used for any mold contamination existing inside buildings and homes. The common health concerns from molds include hay fever-like allergic symptoms. Certain individuals with chronic respiratory disease (chronic obstructive pulmonary disorder, asthma) may experience difficulty breathing. Individuals with immune suppression may be at increased risk for infection from molds.

If you or your family members have these conditions, a qualified medical clinician should be consulted for diagnosis and treatment. For the most part, one should take routine measures to prevent mold growth in the home.

Mold spores occur in the indoor and outdoor environments. Mold spores may enter your house from the outside through open doorways, windows, and heating, ventilation, and air conditioning systems with outdoor air intakes. Spores in the air outside also attach themselves to people and animals, making clothing, shoes, bags, and pets convenient vehicles for carrying mold indoors.

When mold spores drop on places where there is excessive moisture, such as where leakage may have occurred in roofs, pipes, walls, plant pots, or where there has been flooding, they will grow. Many building materials provide suitable nutrients that encourage mold to grow. Wet cellulose materials, including paper and paper products, cardboard, ceiling tiles, wood, and wood products, are particularly conducive for the growth of some molds. Other materials such as dust, paints, wallpaper, insulation materials, drywall, carpet, fabric, and upholstery, commonly support mold growth.

Stachybotrys chartarum (also known by its synonym Stachybotrys atra) is a greenish-black mold. It can grow on material with a high cellulose and low nitrogen content, such as fiberboard, gypsum board, paper, dust, and lint. Growth occurs when there is moisture from water damage, excessive humidity, water leaks, condensation, water infiltration, or flooding. Constant moisture is required for its growth. It is not necessary, however, to determine what type of mold you may have. All molds should be treated the same with respect to potential health risks and removal.

People with allergies may be more sensitive to molds. People with immune suppression or underlying lung disease are more susceptible to fungal infections.

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cleaning a patio wexford

STCS Doing Engraved Plaques Right

Word Count:
551

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Honor and pride in a plate of metal. That is what engraved plaques are. Years of service or a great accomplishment will never fade away due to these precious mementos. They may not be pricey, but they truly are precious. And they always stand the test of time.

1. Plaque History

Engraved plaques have been around since man put his hand to work on metal sheets. Before paper ever became the common choice for writing, man has always put his history in words. His choice of ma…


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Honor and pride in a plate of metal. That is what engraved plaques are. Years of service or a great accomplishment will never fade away due to these precious mementos. They may not be pricey, but they truly are precious. And they always stand the test of time.

1. Plaque History

Engraved plaques have been around since man put his hand to work on metal sheets. Before paper ever became the common choice for writing, man has always put his history in words. His choice of material was usually stone, papyrus, and metal. Special occasions called for special stationery, and the stationery of that era would always be a special metal. Hence were born the earliest plaques.

The word plaque comes from the 19th century French word that means ornamental plate or tablet. They are often made of thin sheets of semi precious metals and are usually given to appreciate an accomplishment of individuals or groups.

2. What Are Plaques?

A commemorative plaque is usually a flat, decorative plate that is affixed to a wall. It often marks a significant person or event. In most countries, places with historical significance are often marked by bronze plaques. Most memorials in the United States are marked by plaques that tell the story of the significance of that place. And many of these plaques have been there for countless generations.

These plaques are made using a variety of metals

– Wood
– Steel
– Anodized aluminum
– Brass
– Bronze
– Acrylic laminate
– Other materials

3. Plaque Ideas

If you are looking for something to commemorate an achievement, or a special event, look no further than engraved plaques to do the job. These plaques may be for your spouse, your children, or your friends. Engraved plaques are works of art and are a beautiful, beautiful way to celebrate a great occasion. And the kicker is, they are relatively inexpensive! You could even have them mass produced for a group of people or for a company and it still wouldn t take too much time or money.

4. Machining Methods

– Hand Engraved
This is an exotic art. For generations upon generations, the fine art of hand engraving has been passed down carefully. Today s artisans bear the artistry of many hundreds of years of skill. Hand engraved plaques may be pricey, but they are an authentic and rustic way of commemorating any occasion.

– Machine Engraved
The art of hand engraving has been largely replaced by machines. These machines engrave words and images accurately and effortlessly. Nevertheless, these machines still need skilled artisans to operate them. Plaques that result from such are also beautiful works of art

– Laser Engraved
Engraving is an old but respected art, but today s customers demand clear detail in the engravings. Using a high-power laser, engraving has now because simple yet beautiful. Laser engraving has truly changed the face of engraved plaques. It allows for the production of beautiful high-definition plaques. This process uses narrow-beam laser that creates high-detail images. The beams in question can be up to 4 millionths of an inch in diameter. This makes laser engraving a precision art and allows the engraver to burn in text, pictures and other high-detail elements on the plaque.

Laser engraving for plaques is suitable for the following plaques

– Academic or sports achievements
– Graduation
– Signage
– Donor s plaques
– Building markers
– Retirement
– Other plaques

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online pilates classes

Compare The Major California Health Insurance Carriers

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1847

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Five Critical Criteria used to compare California carriers.

1. Health Plan pricing in the market. Ultimately, benefits need to be priced well relative to other similar plans on the market. Also, the plans have to make sense financially in today’s world of ever-increasing cost. Some large multi-line carriers like Principle offer extremely rich benefits that have completely priced themselves out of the market. There’s a “sweet spot” where plan design meets the consumer’s bud…

california,health,insurance,carrier

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Five Critical Criteria used to compare California carriers.

1. Health Plan pricing in the market. Ultimately, benefits need to be priced well relative to other similar plans on the market. Also, the plans have to make sense financially in today’s world of ever-increasing cost. Some large multi-line carriers like Principle offer extremely rich benefits that have completely priced themselves out of the market. There’s a “sweet spot” where plan design meets the consumer’s budget and that has to be a given when choosing a plan. Interestingly enough, this pricing value is driven by a carriers ability to do well in the following other areas so let’s take a look at them. More information on the major carriers in the California market.

2. Extensive provider network for HMO and PPO. A carrier needs to have as many doctors and hospital in all major areas participate in their HMO and PPO networks. The more the better. This is especially true for PPO plans which is the direction the market is ultimately heading as costs escalate. This is primarily a function of how many subscribers the carrier can bring to the bargaining table with medical and hospital groups. If a carrier covers a significant number of people in a given area, the doctors and hospitals of that area need to contract with the carrier. Also, the carrier can negotiate rates better which is essentially the foundation for PPO plans. PPO’s are big group discounts essentially. Here, bigger is better. You can find more information on how the California health networks work.

3. Flexibility and Scope of plan design. The carrier must also offer a full range of plan options: both rich and value HMO options; a full range of PPO plans from rich copay plans to hybrid lower priced plans; Health Savings Account or HSA compatible plans and strictly catastrophic lower-priced plans. No one’s needs are the same. The carrier should be able to provide for both sides of the spectrum. A key direction in the market today is towards the segmentation of maternity and non-maternity benefit plans on the Individual/Family market. This is a critical consideration or any enrollee who may need maternity coverage in the future. Health Net currently only has one plan with maternity benefits in their PPO portfolio. On the group side, it has been more a move towards higher deductibles and in some instances, generic drug coverage only. The Generic only benefit is more and more prevalent on the Individual/Family side. We feel strongly at http://CalHealth.netthat Brand name prescription is important as more exotic medical conditions can require new drugs that run 10’s of thousands of dollars.

4. Ease of Use. One more time… EASE OF USE. The carrier has to be easy to deal with. This is critical for the day-to-day management of your policy (which we help with) and more importantly, the claims-processing side. Technology is increasingly figuring here. Which carriers have made the investment in the Information systems to facilitate both the membership and claims side. We deal with all the carriers day-in and day-out… common sense and practicality are essential in the carrier you choose.

5. Pricing Stability. Over the past decade, California health insurance costs have increased significantly. Barring major changes, it will likely continue as Americans use more and more health care. The ability to mitigate this increase is primarily a function of a carrier’s management of the above four items. Are they designing and pricing correctly for the market to encourage future rate stability? Can they negotiate well with the medical groups and large hospital chains in the California health market? Do they offer options for carriers to reduce benefits (and cost) and still feel well protected? Have they invested in making their business effective from and IT perspective? These are all important questions that directly your future rates and results as a function of the health carrier’s management.

California health insurance Carrier by Carrier listing in descending order based on our experience

Blue Cross of California

Blue Cross is owned by Wellpoint, which is probably the dominant carrier nationwide in terms of stability and progressive plan design. They are known as Anthem Blue Cross Blue Shield or Unicare in most other States. They have been the ones to beat in the California health market.

1. Plan Pricing – they are consistently priced in the top 1-2 for comparable plans.

2. Network – For PPO plans, they probably the most extensive network with providers in all counties. Over 70K providers and 400 hospitals State-wide plus access to the Blue Card network for family members or employees in other States.

3. Flexibility – On the Small Group side, they started the Employee Elect program which is still the most flexible and easiest to use. They even apply choice to the dental plans as well. They have 4 HMO plans, 5 HSA plans, and 12 PPO plans plus a suite called BeneFit for low cost plans. On the individual side, they consistently bring out new plans from the Right Plan 40 no-deductible PPO plan to the new Tonik health plan suite that the other carriers invariably try to copy 6-12 months later.

4. Ease of Use – They are easiest carrier to do business with. They tend to be the most flexible when dealing with issues and the issues tend to be less frequent than with other carriers. They are ahead of the curve (and have been) with technology both in terms of their internal processes and interaction with groups. New online control panels allow employee additions, terminations, changes and more on the Group side. They can be strict in underwriting (company requirements) and benefit management is definitely there but both of these attributes work ultimately to keep cost down which is the biggest issue (hence #1) in the market now. They the first to unveil an online application and online account management and visibility. Tonik enrollment is completely handled online.

5. Pricing Stability – Their increases as a percentage tend to be in the lower quadrant of the market…primarily due to their work on the above four items.

Blue Shield of California

Blue Shield of California a strong carrier in California and also participates in the Blue Card network for out-of-State employees and family members. It is one of the few non-profits. Cross and Shield are two separate, completely independent carriers at the Small Group (2-50 employees) and Individual/Family level. If PPO is your preferred option, they are a good comparison for Cross and Health Net.

1. Plan Pricing – they are consistently priced in the top 1-3 for comparable plans.

2. Network – For PPO plans, they probably rival Blue Cross with providers in all counties. They probably do not negotiate as well as Blue Cross but may have a better reception from doctors/hospitals because of it. This also affects their pricing going forward. They do allow access to the Blue Card network for employees or dependents in other States. Their HMO is comparable to Cross but neither is thought to be the strongest carrier for HMO plans.

3. Flexibility – They allow selections from the different classes of plans (HMO, PPO, and HSA). They have a full range of plans with one of the last no-deductible PPO Small Group plans on the market. They have 7 HMO plans, 4 HSA plans, and 13 PPO plans on the Small Group side and an equivalent suite of plans on the individual side.

4. Ease of Use – Their Group underwriting is slightly more flexible than Cross but their claims and membership side is not as advanced…especially in terms of technology. Our sources say that they are undertaking a pretty significant IT project to integrate their systems and have been working to bring Small Group resources to the web (behind Cross). On the individual side, they have an online application and online tracking but their underwiting tends to be more involved.

5. Pricing Stability – Their increases as a percentage tend to be in the lower to mid quadrant of the market depending on the class of plan (HSA versus PPO for example). They will need to continue modernizing in order to keep this trend going forward.

Health Net of California

Health Net of California was originally Blue Cross’ HMO many years ago. Traditionally, they were a strong HMO carrier but they have aggressively moved into the PPO market as the future of HMO’s and its cost structure dimmed. They tend to copy Cross’ moves in the market so at least they are smart enough to the follow the leader. If a company’s main focus is HMO and they do not have employees out of State, Health Net is definitely to be considered. On the individual/family side, they are a solid carrier but need more of a PPO track record.

1. Plan Pricing – Health Net tends to copy Cross’ offerings and then under-price the market. In the short-term, this is fine for your company. Long term, the rates always increase and/or change. The only issue is if the increase occurs mid-year and employees have already met deductibles/max-out-of-pockets…making a carrier change difficult. This is true on the Individual/Family side and Small Group.

2. Network – Health Net has a strong HMO network as that has been their bread and butter long before the PPO came along for them. The PPO network should be well represented throughout the State although it’s range probably does not match Cross or Shields, whose experience in the PPO market goes back decades.

3. Flexibility – Health Net copied Cross beneficially in that they copied the nature of Employee Elect where you can offer multiple plans to their employees. They have a full range of plans with 16 HMO’s, 4 HSA’s, and 8 PPO’s. You can see their HMO background from the plan options. On the individual side, they only have one maternity PPO plan but offer a wider range of HMO plans. Their HSA’s are comparable but probably under-priced.

4. Ease of Use – Health Net tends to be pretty reasonable both in terms of enrollment (underwriting) and membership. They are behind Cross and Shield in terms of online capabilities and systems. On the individual side, they tend to be more strict with underwriting and if an applicant’s health is not clean, they have declined a high percentage of apps. Cross and Shield appear to be more pragmatic in terms of actually looking at a person’s health history and making a decision.

5. Pricing Stability – Pricing stability has been a weaker area for Health Net especially on the PPO front. For HMO, they have a good grasp of the market and the model. PPO has been a bit more elusive with more requent and significant changes with their plans. This is to be expected as PPO requires a good 5-7 years of claims experience to truly wrap your head around the model actuarially speaking.

We have listed Blue Cross of California, Blue Shield of California, and Health Net of California separately as they really are the strongest California health insurance carriers that offer both PPO and HMO options. Kaiser is a major carrier but primarily acts as an HMO. There are many other options on the market, but from our experience, they usually are not advisable against one of the above mentioned four.

Categories
cleaning a patio wicklow

STCS The Evolution Of Clawfoot Tubs

Word Count:
303

For the best cleaning a patio wicklow company, call Southeast Contractors.

When clawfoot tubs were created, they were created with an enameling cast iron surface. This was to make it feel smooth to the touch. When they were first created, they were advertised as a horse trough or hog scalder. Once they added the legs to the tub, it the became the bathtub. Soon they were made in quanity, as they were seen as being extremely sanitary and easy to clean. Which people felt prevented the spread of bacteria and diseases.

As time went on and World War I …


clawfoot tubs

To find the best cleaning a patio wicklow company, click here for Southeast Contractors.
When clawfoot tubs were created, they were created with an enameling cast iron surface. This was to make it feel smooth to the touch. When they were first created, they were advertised as a horse trough or hog scalder. Once they added the legs to the tub, it the became the bathtub. Soon they were made in quanity, as they were seen as being extremely sanitary and easy to clean. Which people felt prevented the spread of bacteria and diseases.

As time went on and World War I came to an end, most bathrooms were being filled with the usual toilet, sink and bathtubs. The bathtubs were mostly clawfoot tubs. Even that early though, most homes did not have any type of plumbing. So at first clawfoot tubs were used without having the plumbing that was added to them.

Eventually over time, this clawfoot tub changed into a built-in tub that had an apron up the front of it. With the style being enclosed, it made the maintenance of the bathroom even easier and more sanitary. It also offered more design options for the owner. Eventually our normal colored white, enameled clawfoot tub became a tub of many colors with the build on squirts.

Today people are shifting back to the elegant beauty that a clawfoot tub has. People like the luxury of soaking inside the deep tub. People are tearing out the tubs with enclosures and front squirtings on them and replacing them with the reproduced clawfoot tubs. These tubs can be bought in the classic cast iron or they can also now be bought in the lighter weight acrylic styles. Now these clawfoot tubs are being produced in a variety of styles and foot finish options to choose from. These tubs have an elegant beauty that bathrooms just love to possess.

Categories
quantity surveyor

EKCS Architect Spa Design Floor Plan – Relax and Chill out

Word Count:
361

For the best quantity surveyor company, call EK Consultants.

An architect design floor plan can be found on the internet and in architectural magazines. One set of plans located on the web, Sage Springs Club and Spa, show a luxuriously appointed club and spa.


Architect Spa Design Floor Plan

To find the best quantity surveyor company, click here for EK Consultants.
An architect design floor plan can be found on the internet and in architectural magazines. One set of plans located on the web, Sage Springs Club and Spa, show a luxuriously appointed club and spa. The first floor of this spa/gym has a large luxurious lobby and reception area., a spa and fitness store that sells exercise clothing and various other spa products. Also on level one of this spa are a relaxation lounge, massage therapy rooms, wet room with vicy shower and a pedicure/manicure room.

The second floor of this architectural design spa floor plan has a conditioning room with a glass wall overlooking the tennis court below. This room also has Precor cardio equipment, cybex strength circuit, four screen television theater music channels with wireless headphones. There is also a movement studio for aerobics, yoga and stretch and toning exercises. At every station in this spa, you are treated like royalty. Membership in spas like this are costly, but well wroth the expense.

On the ground level the floor plans show five full size regulation Tennis courts and 3 lane indoor lap pools and spa.

There are lots of floor plans for different spas and gyms available on the internet. Almost all have some of the amenities of Sage Spring Spa and Club but this one had the most interesting floor plan of them all. Before joining an expensive spa or gym, check the ones you are interested in. Compare services, amenities, and prices before you sign anything.

Floor plans for detached condos are laid out similar to a home not part of a condo complex. One floor plan for a detached condo in Michigan has a large family room,/dining room area, master bedroom with private bath, small kitchen area with an island, a powder room, and second-floor bedroom. There is also a garage on the first floor. A basement which can be finished has the potential for at least two more bedrooms. Detached condos are ideal for people who don t have the time or inclination for yard work. It would also be good for elderly people no longer capable of cutting grass or shoveling snow.