Tuesday, 05 July, 2022


Learn calligraphy today by picking where to start between dip pen calligraphy and brush pen calligraphy.

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Who are the close protection team?

The Team Leader

This individual may be the Principal’s Bodyguard, or the overall head of the protective operation. The job of the Team Leader is to make sure that everyone has the information they need to perform their function. He usually liaises directly with the Principal or the contracting security company. The close protection team Leader is able to fire and hire team members for most assignments.

The Bodyguard

Typically abbreviated as BG, he is a member the PES (discussed later). His role is different. While everyone in a team is technically a bodyguard (i.e. Their function is the same, regardless of whether they are drivers, or guard the garden gate. One BG is allowed per principal. Although there may be a night and day BG, generally one BG is available for each principal. The PES is the other ‘Bodyguard’. The BG will always be in close contact to the Principal. The Principal’s job is to protect him from all dangers, i.e. To provide ‘body coverage’. The BG is the principal’s inner defense and is responsible for ensuring that no threat reaches him. The BG, who is part of the PES team, is the one who never fights or stands when working. He flees (with the Principal, of course), providing body cover while he does so. This role may be, depending on the situation, completely different from that of the PES.

The Principal is the Bodyguard, and he is the main man or woman. He is at the centre concentric circles of protection. Concentric circles share the same centre. He is the final piece of protection, and he puts himself between any threat and the Principal. We will also learn more about the RST and the PES.

The Section for Personal Escort (PES).

Depending on their situation, the PES may have different functions. They provide an outer defense cordon, rather than the BG’s inner. They may serve the same purpose as the BGs in some cases, namely to provide body protection and escape from danger. In other cases, they may serve to protect the Principal and allow the BG to move him away from danger.

Depending on the situation, the PES might be as close as the BG in some cases, while they may be far away in others. You might find the PES outside a venue, in a car that is ready to go if necessary.

Security Advance Party (SAP).

Each assignment will have a different composition of the SAP. Some may have one or two dedicated members who do only advance work. Some may only need an SAP for a specific purpose. The SAP’s main function is to make sure there are no unexpected costs for the Principal when he travels on his business and social schedules. The SAP will check that the routes and venues are safe before the Principal travels. This may take place months ahead of time. It may also include the planning of an overseas vacation, which may be done minutes before the Principal arrives. The SAP is an important role. It must have great communication skills, be able to exercise personal security and be well-trained in search.

The Residence Security Team

As the name implies, the RST looks after the security of any property where the Principal is residing. It could be a house or a hotel. Even if they only reside for a few weeks, many principals have all their residences secured with an RST. Most bodyguards begin their apprenticeship here. The RST must be able to use modern equipment to help secure premises. They must work hard, hope to be noticed and then move on to better things. The RST may be asked to perform route reconnaissance and SAP work. You will be unable to complete these tasks if you do not follow the rules. If you do a great job, the next time someone from the PES takes a day off, you might be able to stand in and impress.


Although all members of the team should have the ability to drive, the driver’s role is often a solely dedicated one. This means that the driver is only employed as such. Close protection training may be required for this driver. It is a crime if they aren’t. The vehicle they drive is often the best weapon a close protection team has. It is better to have a driver who has been trained in close protection and can work with the team in an emergency than a chauffeur who is employed only because the Principal likes his peaked cap.

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Social media

What is Social Media Marketing?

Let’s begin by defining the term Social Media Marketing.

The term “social” implies communication between two people. However, the term “media” is simply the platform or means by which people are social. smm panel cheapest is the act or process of promoting products or services that can lead to sales opportunities.

Social Media Marketing, as it is commonly known, promotes people, brands, products, or services via Social Media platforms like Facebook, Twitter and YouTube.

Although the core principles of marketing are the same, the strategies and psychology for marketing on different platforms can differ.

Each Social Media website is a marketing tool that serves a specific purpose. The use of each one depends on your target market.

Let’s take a look at each platform individually…


Facebook, the most well-known cheapest smm panel website, has two sides. First, it allows anyone to connect with, find and communicate with any person they want, regardless of whether they are friends, colleagues at school or university, family, or colleagues at work.

The business side of Facebook is the second. Facebook allows anyone to create a “Facebook page”, but business owners have the opportunity to promote their products or services.

Businesses of all sizes and shapes now have a Facebook Page as an important marketing tool. Businesses can use them to reach ‘fans’, past, present, and future customers, as well as interact on the Facebook Page with these fans, primarily via the ‘Wall.

Facebook Pages can have multiple pages, just like any other business website. A brand new Facebook Page contains three default pages: Wall, Info and Photos.

As a way to attract more customers, business owners can also set up advertising on Facebook.


Twitter is also known as a “Micro-Blog”. Micro means small, and a blog is a news-feed that contains information about people, companies, topics, etc.

Twitter allows you to “post” information up to 140 characters long about any topic you choose. It’s purpose is not known, but it can be used as a medium to broadcast information for celebrities, businesses, and individuals about any topic they wish.


YouTube is a video sharing site and has grown to be the second most popular search engine after Google. This is due to its popularity, vast information resource and ability to find any topic that you can think of. YouTube is used by people to search for video content on any topic. Online video is a primary way for people to connect, learn, share, and engage with each other.

YouTube gives anyone the option to upload any video they want onto their YouTube account.


LinkedIn serves two purposes. LinkedIn serves two purposes.

It’s also a business tool that allows owners to build and connect with a network of contacts. It can be thought of as a group for business networking, which is located online.

LinkedIn can be used to introduce someone to you through an existing network contact. If your business is B2B, it can be an effective tool.

The type of customer you want to connect with and the type and level of interaction you desire with them should dictate the platform you choose for Social Media marketing.

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Celebrity best makeup artist in bangalore Offer Valuable Assistance For All

Carol Brown has an impressive history as a celebrity make-up artist. Now she shares her secrets with women in her book, “Natural to knockout Makeup Beauty and you.”

Brown provides valuable insights on how inner beauty, facial anatomy, attitude, nutrition, and exercise all contribute to natural, classic beauty. Brown offers tips on how to highlight individual facial features with best makeup artist in bangalore.

Carol Brown’s career spans television, feature films and HBO movies. She has also worked on commercials, videos as well as print, editorial, photo shoots, theatre, and print. Her credits include Usher, Terrance Howard and LL Cool J. She also worked with Jane Fonda, Queen Latifah (Queen Latifah), Brooke Shields, Vivica A. Fox. Carol has won 3 Emmy Awards, and was nominated 7 times as an outstanding achievement in makeup artistry.

A former member of the Academy of Television Arts and Sciences, International Association of Theatrical and Stage Employees and Aesthetics International Association. Carol has been nominated seven times for outstanding achievement and received three Emmy Awards.

Carol was the founder of and CEO at the Natural Empowerment Foundation, a non-profit 501c(3) that provides guidance for today’s young women. The foundation focuses on positive community interaction and efforts to achieve self-respect and positive self-image. It also teaches principles, decorum and nonviolence.

She has taught makeup workshops and seminars and also sponsored grooming and makeup events for underprivileged youth.

Brown’s book is filled with such detail and instruction that “Natural to Knockout” could be a great textbook for cosmetology schools. Her extensive knowledge of makeup techniques that enhance natural beauty would make her a great teacher for any aspiring makeup artist.

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Proactols Binding weight Pill

Binding Weight, fat binding or fat blocking – You are probably familiar with this term in weight loss. Two factors drive the weight binding industry: the desire to look good and the need for a healthy physique.

There are many weight loss pills on the market, and some are safer than others.

Let’s take a look at the top 3 most popular pills for binding body weight that doctors believe are healthy.

  • Proactol

1. This product was FDA approved in 2006. It is an extract from the Opuntiaficus-indica cactus. This binding weight pill is 100% natural and organic. It prevents around 28% of your total clenbuterol buy intake from rotting. It then flows easily through your digestive system. Proactol can also be used to suppress your appetite and reduce cholesterol. You can order shipping online worldwide.

  • Alli

2. Alli reports that this product is FDA approved, binding weight, and similar to Proactol. It can bind up to 25% of the fatty substances in your intestinal tract, while also suppressing appetite. You should limit your intake to less than 15gms of fat per day. This will cause irritable bowel syndrome and loose stool. It is available over-the-counter in the USA and via shipping on-line worldwide.

  • Clenbuterol

3. This “miracle pill”, or “size zero” pill, was once a popular drug. It was originally created for horses to treat their asthma. It increases your heart rate which causes you to lose more fat and suppresses your appetite for as long as 9 hours. This drug is now considered dangerous due to its short-term and long-term effects.

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Make Money with Sbobet Betting Affiliate Programs

Internet sports betting is the newest and most popular trend in gambling and betting on sbobet asia. Internet searches and word-of-mouth are helping people discover how easy it is to place bets on sports online. There are many ways to make quick money online, but few people are successful unless you’re involved in sports betting. The Internet has opened up new opportunities for the sports betting sector. Website owners and operators can now tap into a global audience. This has made the online sports betting industry one of the most popular and profitable online. These online sports betting sites turn over billions every year and are increasing in popularity every day.

Imagine if I said that you could make a lot of money by being a sports betting affiliate, without ever having to risk any of your own money. It’s true. It’s true. There are literally thousands upon thousands of betting sites that all want a piece. Affiliate systems are making big money, not just the website facilitators. Most gambling and sports betting websites have a sports betting affiliate program. To help promote their sports betting site, they offer a bounty or revenue sharing program.

In terms of the sports betting affiliate system, bounty sharing offers you a reward for attracting new customers. As an affiliate, you can use word-of-mouth to direct traffic to your site to a specific sports betting website. This is a one-time payment that you receive for your efforts to attract new customers.

But bounty sharing might not prove to be the most lucrative venture over the long-term. Many websites that offer sports betting offer revenue sharing affiliate programs. Although the programs vary from one company to the next, the basic idea is that you will earn a percentage of any money a player spends. This usually ranges between 20-35 percent. In some cases, you may also be able to earn money on deposits made by players. Although 20 percent might not sound like a lot, it can add up to a significant amount of money–your cash-–as you grow your referral base of sportsbetters who pay you. You are placing your bets right side of the coin when you sign up as an affiliate.

Advertising is costly. It is almost impossible to get to the top of Google without spending thousands or thousands of dollars. Websites then have to worry about getting people click on their websites. They have a better way to promote their sports betting site. You can help them stretch their dollars further and make it work harder by paying them to advertise for them. Word of mouth advertising is the fastest way to spread your message. They will only pay you for any customers who visit your site or link to their sports betting website.

This is not a click-through program. This affiliate program for sports betting requires that the customer who clicks on your banner/website/link sign up to the website to deposit money and then gamble with it. What are they going to lose? Your clientele will spend 20% of the total amount. This leaves 80 percent for the sports betting site, which is cheap advertising and marketing, and potentially huge profits for you.

Your earnings will increase as your referred clients list grows through the sports betting affiliate program. You can think of it this way: If you have 10 people who spend $100 a month on the sports betting website, that is $200. Very little work. You can earn $2,500 by directing traffic to your site from 50 referrals that each spend $250 per month.

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Can you Play Slot Games in An Online Casino without Deposits?

The gambling market has been growing constantly as more and more people are participating in gambling. Since the emergence of online slot gacor a lot of gamblers have shifted to online gambling. Online gambling has a lot of benefits to offer. Some of the common benefits include convenience, easy availability, easy deposit and withdrawal methods, and so much more. 

There are various games in an online casino including slot games, poker, baccarat, etc. Slot games are commonly found in almost all casinos because they are easy to play and can be played by people of all age groups. If you love playing games in an online casino, you must have known about slot games as they are the most popular games played in a casino. Are you wondering whether you can play slots with no deposit in a casino? You must read this post till the end. 

  • Search for free play games 

If you want to play a slot game without making any deposit, you can search for games with free play on the internet. On entering this on your search, you’ll find a lot of options and you can choose the game you want to play without having to make any deposit.

  • No-deposit bonus

Bonuses and promotions are widely offered on casinos and there are different kinds of bonuses offered to players on a casino. A no-deposit bonus is one of the most commonly offered bonuses which allow you to play a game without depositing even a single penny. 

  • Search for low deposit games 

There are many slot games in a casino that require a very low or almost no deposit. You can filter your search accordingly to search only for those games which require a low amount of deposit. 

These are a few ways by which you can find games with no deposit in a casino. There are slot games in both online and offline casinos and you can play them for free in both casinos. Try out the ways mentioned above to find games you can play without any deposit. 

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Consider These Points Before You Hire a movers in London, Ontario

It’s an exciting time to movers in London, Ontario to a new location. This is a great opportunity to make new friends and start fresh. The tedious task of moving and packing can prove to be overwhelming and hard to manage. Most people would rather hire professional movers to avoid such an overwhelming task. However, once you start your search for the perfect moving company, you will realize how difficult it is!

There are many professional Movers who claim to be the best, but it can be difficult to choose one as each company offers a different set of services and different prices. It becomes hard to compare and often we end up choosing a more expensive service. To protect you from these unwelcome troubles, I have listed some essential points you should consider when hiring a professional movers:

# Research well:
We are impatient and will settle for the first or two professional movers we find. Although this may relieve us of the hassle of looking for movers early on, it could mean that we end up paying more or choosing an incompetent company. You should do thorough research. No one wants to pay more for a poor job. Look online and in newspapers to find the best reviews. Then, choose the company that has received the most positive customer reviews. Find out what the customers liked the best and why. This will give you an idea of the company and help you to identify the key points you should look for in professional movers.

# Experience:
Although it may be less expensive, you won’t want to leave your expensive furniture with inexperienced hands. You should carefully consider the experience of the moving company and whether they are eligible for additional services such as dog relocation. This does not mean you should disregard new companies, but you must be aware of your options and not hesitate to ask questions until you are satisfied with the service.

# Coverage:
Moving can be a difficult task. Most companies offer insurance that covers the cost of damage to the items being moved. Make sure you read the policy thoroughly and don’t leave any room for doubt. All accidental damage that occurs during transport and pick-up should be covered by your insurance policy. If the item being moved is expensive, you can negotiate a claim.

# Contract:
It is possible that the written agreement does not include all promised services. Before signing, make sure you read it thoroughly. Some firms might not give you a written agreement. Ask them to provide one. This makes it easier for you to file a claim. Although verbal contracts are often relied upon, they are not legally binding. The written contract should contain details about payment methods, fees per service, and payment details.

Some movers also offer intermediate storage facilities that come in a box. These storages are useful if you need to restructure your house. All London movers offer these services in packages.

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Health Savings Accounts: An American Innovation in Health Insurance

In the United States, the term “health insurance” is used to refer to any program that pays for medical expenses. This could be private insurance, government-funded social insurance, or social insurance. This usage is also known as “health coverage”, “health care coverage”, “health benefits” or “medical insurance”. The term can also be used in a technical sense to refer to any type of insurance that offers protection against injury or illness.

The American health insurance industry has seen rapid changes over the past few decades. Indemnity insurance was the most common type of health insurance in America. Fee-for-service is often used to describe indemnity insurance. This is traditional insurance that covers health care services. The provider, usually a hospital or doctor, is paid a fee per service. The consumer-driven health care (CDHC) is an important component of indemnity plans. Individuals and their families can have more control over their health care. They can choose when, how, and what type of care they want.

However, these plans have higher deductibles which the insured must pay out of their own pockets before they can receive insurance money. Health Reimbursement plans (HRAs), Flexible Spending Accounts(FSAs), high-deductible health plans (HDHps), Archer Medical Savings Accountss (MSAs), and Health Savings Accountss (HSAs) are all consumer driven. The Health Savings Accounts, which are the most recent, have seen rapid growth over the past decade.


The tax-advantaged HSA (Health Savings Account) is an account that allows taxpayers to save money on medical expenses. The federal income tax is not applicable to funds that are deposited to the account. They can be used at any time to pay qualified medical expenses without federal tax liability.

Another advantage is the rollover of funds from Health Savings Accounts. They accumulate year after year, even if they are not used. The funds can be withdrawn at retirement by employees without tax liability. Federal income taxes are not applicable to withdrawals for qualified expenses or interest earned. The U.S. Treasury Office states that a Health Savings Account can be used as an alternative to traditional insurance. It is a savings product that allows consumers to pay for their healthcare in a different manner.

HSA’s allow you to save tax-free for future qualified medical or retiree expenses as well as pay current health costs. The Health Savings Account aims to improve the efficiency of America’s health care system, and encourage responsible and prudent behavior in regard to their health care needs. It is a consumer-driven health care plan.

Origin of Health Savings account

The Medicare Prescription Drug, Improvement and Modernization Act, which was passed by Congress in June 2003 and by the Senate in July 2003, established the Health Savings Account. President Bush signed it on December 8, 2003.


These individuals are eligible for a Health Savings Account.

– Individuals who have a High Deductible Healthcare Plan (HDHP).
– For those not covered by any other types of health insurance.
– For those not enrolled in Medicare4.

There are no income restrictions on HAS contributors and no requirements to have earned income. HAS’s cannot be established by people who are dependent on the tax returns of others. Children cannot set up HSA’s on their own.

What is a High-Deductible Health Plan (HDHP)?

Anyone who wants to open a Health Savings Account must enroll in a high-deductible health plan (HDHP). The Medicare Modernization Act, which created the HSAs, gave the HDHPs a boost. A high-deductible health plan is a type of insurance that has a certain deductible. Before an insured person can receive insurance money, they must have reached this threshold. It doesn’t cover medical expenses up to $1000. Individuals are responsible for paying out-of-pocket expenses.

A number of HDHPs include immunizations and preventive care. This means the individual will be reimbursed. Individuals (employers and self-employed) can take HDHPs. Insurance companies across America are offering HDHPs in 2008 with deductibles starting at $1,100 for Self coverage and $2,200 to Self and Family coverage. For self, the maximum out-of-pocket limit for HDHPs is $5600 and $11,200 respectively for Self and Family enrollment. These limits are known as IRS limits and are established by the Internal Revenue Service (IRS). The relationship between the deductible and the premium paid is in HDHPs is inversely proportional. Higher deductibles equal lower premiums and vice versa. HDHPs have two main benefits: they will lower healthcare costs and make it more affordable for patients. It is logical that patients who are fully insured (i.e. Patients who have low deductibles on their health insurance tend to be more cost-conscious and less concerned about their health.

Opening a Health Savings account

HSAs can be signed up at banks, credit unions and insurance companies. HSAqualified insurance plans are not available from all insurance companies. It is therefore important to choose an insurance company that offers this type qualified plan. An employer might also offer a plan to employees. The account remains the property of the individual. Online enrollment for HSA-qualified insurance is possible in all 50 states, except Hawaii, Massachusetts and Minnesota.

Contributions to the Health Savings Account

HSA contributions can be made by the individual who has the account, an employer, or any other person. The employer can make the contribution, but it is not included in an employee’s income. It is exempted of federal tax if it is made by the employee. The maximum amount you can contribute (and subtract) from any source to an HSA for 2008 is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are established by the U.S. Congress via statutes, and are adjusted annually for inflation. Individuals over 55 years old can deposit an additional $800 in 2008 and $900 in 2009. The maximum amount that an individual can contribute depends on how many months he has been covered by HDHP (pro-rated basis). You are permitted an HSA contribution of $6/12, $5,800 or $2,900 if you have family HDHP coverage between January 1, 2008 and June 30, 2008. You can contribute to an HSA 6/12 x $5800 plus 6/12 x $2,900 if you have family HDHP coverage between January 1,2008 and June 30, 2008. This will give you $4,350. An individual can contribute to an HSA if he/she opens an HDHP the first day of each month. If he/she creates an account on a different day than the first, he/she can contribute to HSA starting the next month. You can make contributions as late as April 15, the year following. Individuals who contribute to the HSA beyond the contribution limits must withdraw them or pay an excise duty. The excess amount withdrawn must be refunded to the HSA.

Contributions from the Employer

Under a Section 125 plan, the employer can contribute to an employee’s HAS account. It’s also known as a cafeteria program. Contributions made under the cafeteria program are pre-tax, i.e. They are not included in the employee’s income. Employers must contribute on a similar basis. Complementary contributions are those contributions made to HSAs by all employers that are either the same amount or a similar percentage of the annual contribution. Part-time employees working less than 30 hours per week can be treated separately. Employers can also classify employees as either self-only or family coverage. The employer can make automatic contributions to an employee’s HSAs unless the employee chooses to not have them.

Withdrawals from HSAs

The HSA is owned and can be used to make qualified expenses. The employee also determines the amount to be deposited, the maximum amount to withdraw for qualified expenses, the company that will keep the account, and the type of investments to grow it. The funds can be transferred from one year to the next. There are no rules about how to use them or lose them. HSA participants don’t need to get approval from their HSA trustees or their medical insurance before they can withdraw funds. The funds are exempted from income tax if used for qualified medical expenses. Qualified medical expenses are expenses that are covered by the HSA, but which are subject to cost sharing, such as a co-payments or deductibles; durable medical equipment like eyeglasses and hearing aids; as well as transportation costs related to medical care. You are also eligible for non-prescription and over-the-counter medicines. Qualified medical expenses must be incurred after the HSA was established.

You can take tax-free distributions from your HSA to cover qualified medical expenses for the spouse, HDHP member or dependent. However, you must ensure that the expenses were incurred within the last year of setting up the HSA. Keep the receipts for expenses incurred through the HSA. They may be required to prove that the HSA withdrawals were for qualified medical expenses only. To prove that the deductible was met, the individual may need to show the receipts to the insurance company. Unqualified medical expenses are not eligible for withdrawals. If so, the amount withdrawn will be considered taxable and added to the individual’s income. This can also lead to a 10 percent penalty. The money cannot normally be used to pay premiums for medical insurance. However, there are exceptions in certain situations.

These are –

1) To pay for any coverage in a health plan while you are receiving federal or state unemployment benefits.
2) COBRA continuation coverage for employees who leave a company offering health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums, out-of-pocket expenses and deductibles for Part A (hospital and Inpatient Services), Part B (physician, outpatient Services), Part C (Medicare PPO and HMO plans), and Part D (prescription drug).

However, withdrawals from the Health Savings Account can be made if an individual is disabled, dies or turns 65. In this case, withdrawals are exempt from income tax and subject to a 10 percent penalty, regardless of their purpose. You can withdraw funds from your HSAs in many ways. Some HSAs offer account holders debit cards, others with cheques, and some allow for reimbursement similar to medical insurance.


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Social media

spotify streams kopen Review

spotify streams kopen is a fantastic new piece of software. It is quickly becoming an alternative to iTunes and other similar services. It is fast and easy to use, has no buffers, and will satisfy any music lover or musician.

You can stream music from the application’s central server, and connect to other users who have already listened to the song. You can instantly start listening to the song by linking Spotify users. There are millions of songs available; there are many languages and genres.

Spotify is available for free by invitation only. This is where an existing member can invite another user to join the service. Or you can request an invitation by joining the queue. You can also pay a premium to the service. The current price is around PS10 per month. This means you won’t receive any advertising for a few songs. This is the cost that users who have not paid for the service must pay. Although a premium subscription is not necessary, frequent users might find the ads annoying after a while of listening to the music. The Spotify adverts are more intrusive than ever and have been longer and more frequent.

This is a wonderful service and millions of people already have it. However, the only problem with the program is the occasional advert. Spotify saves the data it sends to you over its servers in a folder on your hard drive, which is basically the Spotify cache. Spotify allows you to send song information to other Spotify users. This makes Spotify so much faster than listening to the song via YouTube or other well-known sites. Spotify doesn’t tell you that this file has a surprising amount of storage. Spotify has 10% free disk space. This can amount to as much as 30GB on an average computer. This can be done by going into the Spotify cache folder.

These little issues aside, this application is amazing. With its simple interface and instant song retrieval, it is certain to revolutionize the way you listen to music. This is a truly amazing application that’s relevant and helpful for all computer users.

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Group Insurance Health Care and HIPAA Privacy Rules


HIPAA stands to Health Insurance Portability and Accountability Act. People often refer to HIPAA but not the original Act. They are referring to the Privacy Rule, which was created as a result of HIPAA. It is a Notice of Health Information Practices.

The official summary of HIPAA Privacy Rule by the United States Department of Health & Human Services is 25 pages long. This is just a brief overview of key elements. As you can see, it covers quite a lot. Here is a brief overview of the Privacy Rule.

The Privacy Rule was established in 1996 to protect individuals’ health information. These guidelines ensure that individuals’ health records are secure while allowing necessary information to be made public in order to provide health care and protect the public’s well-being. This means that not everyone can view a person’s medical records. However, you can sign a release granting access to your records to anyone, such as a doctor or health care provider.

What is your health information? And where did it come from? Health plans, health care clearinghouses, or health care providers can hold or transmit your health information. These entities are called covered entities according to the rule.

These guidelines are also applicable to business associates of health plans, health-care clearinghouses, or health care providers. These entities offer financial, legal, actuarial and accounting services.

What is a Privacy Notice?

Information collected by your health plan.
Description of the information in your health record.
This summary will give you a brief overview of your rights regarding health information.
The group health plan’s responsibilities.
Let’s take a look at each one individually:

Information Collected by Your Health Plan

To provide benefits, the group healthcare plan gathers the following information:

You provide information to the plan to sign up for the plan. This includes personal information like your address, telephone number and date of birth.

Information about account balances and plan contributions.

You are or were enrolled in the plans.

Information about your health that you have received from your doctors or other healthcare providers.

Information about your health, including diagnosis and payment information.

Changes in plan enrollment (e.g. adding or dropping participants, or adding or subtracting benefits.)

Benefits of the plan are paid.

Claims adjudication

Medical management or case.

We may need additional information to be able to offer you health benefits.

Understanding Your Health Record/Information:

A record is kept of every visit to a hospital, doctor, or other healthcare provider. This record usually contains your symptoms, test results, diagnosis, treatment and a plan of future care.

This information is often called your medical or health record. It serves as a:

Base for planning your care.

Communication between the various health professionals involved in your care.

Document that describes the care received.

This is how you, or a third party payer, can verify that the services actually were provided.

Tool in educating health professionals.

Source of data to support medical research.

Information source for public health officials responsible for improving the nation’s health.

Source of data to support facility marketing and planning.

The plan sponsor can use this tool to assess the benefits of the group health plan and then work with the company to improve them. You can understand what information is in your records and how it is used to help you:

Assure its accuracy.

You can better understand who, what and when others might access your health information.

When authorizing disclosure to other people, make more informed decisions


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The Perfect Storm: Health Care Fraud

Health care fraud is all the rage today. Health care fraud is a real problem. This is true for all businesses and endeavors that are touched by humans, e.g. banking, credit, insurance, politics, etc. It is clear that there are many health care professionals who misuse their position and steal our trust. The same goes for those in other professions.

Why is health care fraud getting so much attention? Could it be that this is the ideal vehicle to push agendas for divergent group where taxpayers, consumers of health care and providers of health care are con artists in a health-care fraud shell-game with’sleights-of-hand.

This is not a game of chance. The problem with fraud in health care is not only the fraud itself, but also the fact that the government and insurance companies use it to their advantage while failing to hold them accountable for the fraud they allow to thrive.

1. Astronomical Cost Estimates

There is no better way to report fraud than to include fraud cost estimates.

“Fraud committed against public and private plans costs between $72 billion and $220 million annually. This increases the cost of health care and undermines public trust in our system. It’s no secret that fraud is one of the most prevalent and costly forms of crime in America… We pay these taxes as taxpayers, and through higher premiums for health insurance… We must take proactive steps to combat health care fraud and abuse… We must ensure that law enforcement has all the tools it needs to detect, deter and punish fraud in the health care system. [Senator Ted Kaufman (D–DE), 10/28/09 Press Release]

The General Accounting Office (GAO), estimates that healthcare fraud amounts to $60 billion to $600billion per year, or between 3% and 10% on the $2 trillion health-care budget. [Health Care Finance News, 10/2/09] GAO is Congress’ investigative arm.

The National Health Care Anti-Fraud Association reports that $54 billion in fraudulent medical charges is being committed each year to swindle us and our insurers. [NHCAA web-site] NHCAA is funded by insurance companies.

The reliability of these estimates is at best questionable. Insurance companies, federal and state agencies, as well as others, may collect fraud data for their own missions. However, the quality, quantity, and volume of data collected can vary widely. David Hyman, University of Maryland professor of Law, says that while the widely disseminated estimate of the incidence of abuse and fraud in health care (reported to be 10% of total expenditure), lacks any empirical basis, what little we know about abuse and fraud in health care is dwarfed both by what we don’t know and what isn’t. [The Cato Journal. 3/22/02]

2. Health Care Standards

Because they are written in legalese, not plain talk, the laws and rules that govern health care can be confusing. They vary from one state to another and from payer to payer.

To report the treatment of conditions (ICD-9) or services rendered (CPT-4, HCPCS), providers use specific codes. These codes can be used to seek compensation from payers for services rendered patients. While these codes are universally applicable to allow for accurate reporting of providers’ services, insurers often instruct providers to report codes based only on what their computer editing programs recognize and not what the provider provided. Practice building consultants also instruct providers on which codes they should report in order to be paid. In some cases, codes may not accurately reflect the provider’s service.

While consumers may know the services they get from their doctor, other providers or provider, they may not be able to understand what billing codes and service descriptors refer to when explaining benefits received from insurance companies. Consumers may not be able to understand the codes or believe they have been improperly billed. There are many insurance plans today with different levels of coverage. This can make it difficult for consumers to understand why services are denied. Medicare is the one that defines non-covered services as medically unnecessary.

3. Addressing the problem of health care fraud proactive

Insurers and the government do not do enough to address this problem by proactively identifying inappropriate claims before they get paid. Payors of claims for health care claim trust that providers will bill accurately for services rendered. Without the reimbursement system shutting down, they cannot even review each claim.

They claim that they use sophisticated computer programs for looking for patterns and errors in claims. This activity is mainly focused on fraud detection after claims are paid.

4. Create new laws to exonerate health care fraud

The government publishes its fraud reports in earnest as part of efforts to reform our healthcare system. Our experience has shown that this leads to the government introducing new laws and enacting them – we assume that new laws will lead to more fraud being detected, investigated, and prosecuted. However, it is not clear how these new laws will achieve this better than the existing laws.

We were able to get the Health Insurance Portability and Accountability Act in 1996 thanks to such efforts. The act was passed by Congress to improve insurance portability, accountability for patient privacy, and prevent health care fraud and abuse. HIPAA was intended to give federal law enforcement officers and prosecutors the tools to fight fraud. It resulted in the creation a number new statutes regarding health care fraud.

The Health Care Fraud Enforcement Act was introduced in 2009. The Congress recently introduced the Health Care Fraud Enforcement Act. It promises to increase fraud prevention efforts, strengthen government’s capacity to investigate and prosecute abuses in private and public health insurance. Sentences will be increased; whistleblower claims will be improved; sentencing will be increased; health care fraud offenses will be redefined; funding for federal antifraud spending will be increased.

Law enforcers and prosecutors must have the right tools to do their job effectively, it is clear. However, these actions alone, without inclusion of some tangible and significant before-the-claim-is-paid actions, will have little impact on reducing the occurrence of the problem.

One person’s fraud (insurer claiming medically unnecessary services) can be another person’s salvation (provider administering tests in order to defend against possible lawsuits from legal sharks). Are health reform advocates open to tort reform? It isn’t, unfortunately! However, it does not seem to be a problem if legislation is passed that places new, more burdensome requirements on providers for the purpose of combating fraud.

If Congress wants to make a real difference in the fight against fraud, they need to think beyond what has been done. Do something front-end that addresses fraud before it occurs. These are some examples of steps you can take to stop fraud and abuse.

– DEMAND that all payers, providers, suppliers, and other parties only use approved coding systems where all codes are clearly defined so that everyone can understand and know what each code means. Anyone must adhere to the established meaning of the code when reporting services (providers, suppliers), and adjudicating payment claims (payors or others). Violations should be treated as a matter of strict liability.

– All claims submitted to public or private insurers must be signed or annotated by the patient (or the appropriate representative) confirming that they have received the reported and billed services. The claim will not be paid if such an affirmation is absent. If the claim proves to be problematic, investigators can talk to both the patient and the provider.

– REQUIRE all claim-handlers, especially if they have authority over claims to be paid, consultants retained by insurance companies to help with adjudicating claims, as well as fraud investigators, to be certified by a national accreditation company to show that they are able to recognize health care fraud and that they can detect and investigate it in health care claims. If this accreditation is not received, neither the employee or the consultant will be allowed to handle a claim for health care or investigate any suspected fraud in that area.


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Online 84vn : What is it like?

It can be very fun to wager on your favorite sport. If you can place smart bets and the process is simple and straightforward, it can be a rewarding and educational experience. Many people prefer to bet online on sports than any other type of betting. Internet betting allows you to place your bets online in a matter of seconds without ever leaving your house or office. Many bettors are hooked on this quick and easy way to get their job done online.

Online 84vn is huge. You can find everything related to online betting, from online betting sites that offer the odds and betting lines to online betting sites that allow you to check payouts and place bets online. You should be aware of these things before you start betting online.

Points to Note

You might feel like trying out online sports betting, but it is best to bet on the sport you are passionate about. Because internet betting is heavily dependent on the experience of the bettors in the game, this is important. You will not have the best chance of winning if you don’t have an extensive knowledge of the game.

Don’t let the pressure of winning get you down. You can use the initial few bets you place as learning experiences. If you lose, there is no reason to panic. You will become more proficient at online sports betting as you learn how to better play the odds. As a beginner, it is important to place small bets on sports. You should have fun betting. Don’t lose a lot of money to start your online betting journey. You should only place bets that you are comfortable losing.

You can learn to be self-restraint. If you lose a lot of money online, don’t get discouraged. You can try again by placing more bets. This is the leading cause of huge online betting losses. If you do have some luck with your first bet, don’t lose heart and keep betting. It is important to know when you should draw the line. You should select an online sports book that best suits your needs when you place online bets.

You would be starting as a small gambler so you need to choose a site that is simple to use. The internet sports book you choose will have a significant impact on the enjoyment you get from your experience. So make sure you’re careful.

What are the benefits of online sports betting?

You shouldn’t worry about security when you are betting online. Make sure you only play at reputable sites. You will be able to withdraw your winnings from the online cashier almost immediately, and transactions are safe. You should also know that online sports betting Australia is legal if you live in Australia. Sports betting Australia online is a safe and fun way to place bets.

Online sports betting has many advantages. You can choose from a variety of sports and betting options, so you can bet on different outcomes. It may be safer for you to not place multiple bets at once as a beginner.


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Stock Tips: Stocks that Rise Every Season

Have you ever wondered if market prices https://rqdclearing.com/clearing/ change with the seasons each year? Although there are no guarantees in the stock market, there seem to be stocks that rise year after year. After extensive research, I discovered several stocks that fit the criteria.

Hershey (HSY), saw a 12.97% rise in sales between September 15th and October 15th 2010. As you may know, Hershey is a chocolate company. Between these dates, Americans are purchasing chocolate for Halloween. The value seems to have risen due to this huge increase in sales. Hershey saw growth just before Halloween 2010, 2009, 2006 and 2005. It also experienced growth in 2003, 2004, 2003, 2001, and 2004. The 2008 Great Recession was causing Hershey stock to plummet in value.

It’s also worth noting Hershey stock seems to be rising shortly before Valentine’s Day. Another holiday that appears to be driving up Hershey stock’s value is Valentine’s Day. Every year since 2003, HSY has given a rose to Valentine’s Day (except 2003).

Many retailers such as Target and Wal-Mart show growth during the holiday season (November-December). Although it can vary from year to year, and from company to company the overall trend is upwards during this period. Because consumers are buying more products than ever before, this is why there is so much competition. Consider all the holidays and special occasions that drive people to purchase more.

Many more companies, stock sectors, and industries rise in different seasons. They are usually quite obvious when you stop and think about them. Pick a time in the year that is most popular, and consider what people will be buying at that time. Think of the major companies that sell these products once you have identified a few. Their stock is likely to rise within a few months of the product’s release, whether it be during or after the year.

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Here are 4 more keys to creating a remotehub that they will remember

Five great ways to make a remotehub that hiring managers will remember. We’ll be sharing four more tips to help you create a winning job-winning resume in the second article. We want to reiterate our disclaimer: Although this is not a complete list, it will help you get started on your journey to resume superstardom (and the new career you have been dreaming of)!


You only have seven seconds to grab the attention of the hiring manager. Seven. This is how long it took you to read it. Use industry-specific keywords to command it! Use great keywords to match the requirements of the hiring manager. You’ve gained an extra 30 seconds of their attention.

They will be impressed by the ‘good stuff.

Include your most notable accomplishments on your resume. Which accomplishment is your most proud? It’s important to mention it to the hiring manager. It doesn’t matter if you bold it or underline it. It doesn’t matter if it’s amazing, they should know. And you want them doing so NOW!


Challenge-Actions-Results. What were your challenges? What actions did you take to overcome them? And what were the outcomes of those actions. This formula will help you write each bullet point of your resume. You’ll be amazed at how many quantifiable achievements you have!


It’s better to not lie! A resume should not contain lying. It doesn’t belong anywhere! However, I do have a degree from public relations and spent four years learning how to make positive spins on any situation. It is possible, just ask any White House spokesperson. This is an important aspect of resume writing in tight markets. You must consistently outshine your competition to be considered for a callback. You can frame anything positive, from being out of work for three-years to explaining why you quit your last job or how you explained that you have worked six jobs in the past two years. You have the power to position, phrase, and create content strategically. Be creative, but be honest!

These four strategies can be added to the five in our previous article and you will soon be a pro at resume writing.

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Three Reasons to Watch 90Phut Live and the World Cup

90Phut Live is a very popular sport in many countries. However, it is not the most popular in America. Americans prefer to play the sports they invented, like (American) baseball and (American) football. Ask any American sports fan who won the World Series (baseball), last year. They will tell you. You can also ask them questions like “Which two teams participated in the Super Bowl last season?” They will almost certainly be able tell you which teams played in the Super Bowl last year, their final score and who won. If you ask them, “Who won last World Cup?” They may just stare at you blankly.

Soccer is a popular sport in many countries for several reasons. These are three reasons why soccer is so popular in many countries.

Action The action in soccer is almost continuous (unless there’s an injury). This makes soccer very exciting for many. This contrasts with American football and baseball, where there are many exciting plays but then the action slows down until the next play. These two sports are very stop-and go.

Skill-Oriented Soccer is more about skill and finesse than brute strength. Baseball players strive to become stronger in order to hit the ball further and score more runs. While being stronger in soccer will make it easier to catch someone trying to steal the ball, it won’t make it any more effective in soccer. It’s entertaining to see the skill aspect.

World Sport The World Cup in soccer is a championship that truly encompasses the whole world (in contrast to the World Series in baseball, which only involves the United States and Canada). The World Cup features every team from a different country, so you can see who the true best is at the end.

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