Sms Collection

  Doreamon cartoon and game free download
  Happy New Year

1.  .+"""+..+"""+.

+..HAPPY.+ "+......+"

.+"""+....+"""+.

+...NEW YEAR,,,+ "+..2013..+"

WISH ,,YOU,,ALL,,THE BEST",,, 

2.  wish u also a very happy new year this year will bring a lots of fun for ur life

3.  Wish u a positive, effective & a very very lucky year 2013."HAPPY NEW YEAR" may brought for u something special 

4.  Ekti notun sokal,kichu sundor sopno,ek muto sada megh,kichu misti onovuti r kichu sopnil sriti.ei nea shuro hok notun din%HAPPY NEW YEAR.

5.   Fill ur life with Happiness and Bright Cheer, Bring to u Joy and Prosperity for the whole Year,And it's my New Year wish 4u Dear...Wish u a VERY HAPPY NEW YEAR.

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FriendShips Day

1.  |+( ^HapPy^ )+| _'_'_'_'_'_*_'_'_'_' _'_ ''''''<::::::::<>::::::::>''''''

'<^>'<^>'/^\/^\'<^>'<^>' ¤¤¤¤ Frndship ¤¤¤¤

******DAY*****

2 my swt frnd.....

 2.  "A friend is sweet when it is new. And it is sweeter when it is true. But you know what? It is sweetest when it is you.

<a href="http://Paid2Refer.com/ref.php?refId=158585">wish</a> you[HAPPY FRIENDSHIP DAY] 

3.  A lover says,I will be with u in all ur problems.But a good frnd says,U will have no problem When i am with U.Thats the power of friendship.

4.   Bishal Hridoy Diye Ki hobe,Jodi"Dukkho"Na bujo?FrieNDSHIP Kore Ki hobe,Jodi Mullo Na dao?"BONDhU"vebe Ki hobe,Jodi "BONDhUR"khoj na rakho?

5.   Bondhu 2mi Ekla hole,amy dio dak.

Hater muthoy josna pele amy dio vag.

Moner moto bondhu pawa sohoj kotha noy.

Shabai ki r 2mr moto valo bondhu hoy........*.

6.   Gd frnds r those who care without hesitation,who remember without limitation,give without expectation,who luv even without communication. Happy friendship day.

7.   I am sending..A swt wish,in a swt day,at a swt moment,througha swt sms,on a swt occasion 2 my swt frnd.."HAPPY FRIENDSHIP DAY"

Have a swt life

8.   Life can give us a number of beautiful friends! But Only true friends can give us a beautiful life...! Make true relations & <3 them & respect also

"Happy Friendship Day"

9.   Days are too busy, hours are too few, seconds are too fast, but there is always a time for me to ask, how r u? N hope u r fine. 8-)Happy friendship day8-)

10.   ppl live, ppl die. ppl laugh, ppl cry. Sum give up, sum will try, sum sa hi, sum sa bye. Others ma forget u but never will i...;(happy friendship day)

11.   People live, people die. people laugh, people cry. some give up, some will try. some say hi, some say bye. others may forget u, but never will i........ ;(happy friendship day;(

12.   True friends are like mornings, you can't have them the whole day. But you can be sure that they will be there when you walk up tomorrow, next year and forever. :>Happy friendship day:

13.   I opened my Wallet and find it empty, reach in my pocket and found few coins, search my heart and found u n our friendship, then i realized, how rich i am... :)Happy friendship day:)

14.   Stars have 5 ends, squares have 4 ends, triangles have 3 ends, life has 1 end, but i hope our friendship has no end. ;)Happy friendship day ;)

15.

Jok's

1.      2mio 1din amar moto kadba, amar moto choker jol felbe,kosto paba,amar kota chinta korbe,kobe       jano?j din 2mio amar moto "piyaj"katbe

2.    wife: Amak nam dore deko na,amader cale jodi amar nam dore dake takon! Husb:tik ase priotoma, tahole ami tumake ma bole dakbo!

3.    When things go wrong, when sadness fills ur heart, when tears flow in ur eyes, always remember 3 things: I'm with u, U have money & the Bar is open....HA ha ha :)

4.    Twinkle twinkle little star,U should know that what u r.Mental hospital not so far,U can go there by a car. .... he he ha ha :') ;)

5.    Press down if u miss me.

so u miss me?

u r so sweet,

ok u can stop !

still pressing? u really miss me!

still pressing!ok

I miss U too. ha ha ha :) :)

6.  ARMAN4528 Taka hariye BABA chele k bollo "Amk 1Glass pani de vai". Wife:2mi Chele k Vai bolle? Hus:TAKA harale emoni hoy re Ma.

7.   Hus:Amr Jan, 2mi Jodi Bolo Hobo Salman Khan!Wife:are Amr Abul Khan! Lagbe Na Amr Salman Khan,ekon Giye Riksa Tan,Rater Jonno Bazar Aan

8.   * ­'""'Hi""" ­* .+""+.' ­*How * ­+ + ­* * R­ "+. U.+"? ­* * ­ "+" ­*

9.   Husband is"bowled out" Debor is"run out" Boy friend is"catch out" Lover is"lbw out" Child is "hit out"but friendship is"not out"100%not out.....

10.   joke.. Student:Madam,ai line ta porte parchi na?Madam:Dekhi! Ai ta to simple."I Love You". Student:"I Love You too".MADAM=Ki...?

11.    Smile says " i miss you"Heart says" i fell you "Mind says" i like you "But my mouth says my dear frand" how r u?

happy frand ship day.

12.   ><(((> ><(((> ><(((> ><(((> ><(((> ><(((> ><(((> ><(((> Haa-kore ki dakso,agolo Elish mach.Bissas na hole mobile ta panite chere dekho.

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Mothers Day

1.  For the best mom
who always had a smile for me
I know we may be far apart right now
So here's a great big hug and kiss
Happy Mother's Day 

2.   M - For the MILLION things she gave me,
O - For shes growing OLD,
T - For the TEARS she shed to save me,
H - For her HEART of purest gold,
E - For her EYES, with love-light shining,
R - For she is always RIGHT and always be.

3.   Once upon a memory
Someone wiped away a tear
Held me close and loved me,
Thank you, dear Mother .

4.  The Miracle of Life
nurtured by a woman
who gave us
love and sacrifice...
is MOTHER
Happy Mothers Day!!

5.  I take this opportunity
to thank you for
your immeasurable
contribution to my life.
Thank you Mom!
And wish you a
Very Happy Mother's Day!

6.   You've seen me laugh
You've seen me cry
And always you were there with me
I may not have always said it
But thanks and I love you
Happy Mother's Day.

7.   Mother, I love you,
For all that you do.
I'll kiss you and hug you,
Because you love me, too.
You feed me and need me,
To teach you to play,
So smile because I love you,
On this Mother's Day

8.  

Who ran to help me when I fell,
And would some pretty story tell,
Or kiss the place to make it well?
My Mother.
(*) Happy Mother's Day (*)

9.   Many hugs
Only love never anger
Teaching me
Helping me
Every smile when I was sad
Raising me to be strong

It spells Mother. Thanks for being u.

10.   Mother love is the fuel that
enables a normal human being
to do the impossible.

11.  I luv u mom
having u makes me feel safe & calm
I miss u mom
Missing touches 2 my face with ur chapped palm
u r the greatest
because u r my mom

12.    Hearty thanx 2 ur mom 4 giving me such a special person as a frnd.
Wishing ur mumma a very long n glorious life.
Happy mother's day 2 ur mom

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Happy Birth Day

1.   if kisses were rain id send u showers,
if fun was time id send u hours,
if u needed a friend id send u me!
*Happy Birthday To You Sweetheart*

2.  Fantastic Answer by a philosopher
to a question asked at the BBC.
Define Birthday!

Answer: The only day in your life,
when you cried & your mother was Smiling..!

3.    "Fly in the plane of ambition,
and land on the airport of success,
Luck is yours,
wish is mine
may ur future
always shine. . .
With LOTZ LOVE
"Happy BIRTHDAY 2 YOU".

4.   Cos today is your day,
its an opportunity for u to know that
u are special and special things are for u today,
i wish u all the best.
Happy birth day. Love u!

 

5.  LIKE A FRESH DEWDROPS of a new day...
may GOD'S loving u hands be upon u today
to freshen ur soul & body! HAPPY B-DAY.

 

6.  The child was born,
parents were blessed
and
i am so lucky to have u
as my friend.
Happy Birthday to you

 

7.  One day sky was crying.

I ask him why are you
crying today.

He told me i have lost my
beautiful star.

It was a day when you were born.
"HAPPY BIRTHDAY"

8.   my plane was crashed but i m ok,
my car was stolen yesterday,
i missed the bus,&
my mobile's battry was also verylow,
thats y i can't get u yesterday,
plz 4giv me & HAPPY BLATED B'DAY 2 U

9.    Flying papers,
multi colours of balloon,
delicated blossom,
fantastic people,
love and laughter.
What it describes? HAPPY BIRTHDAY.

10.  May you have all the joy your heart can hold,
All the smiles a day can bring,

All the blessings a life can unfold,
May you have Gods best in everything.

11.  A smile is a curve that
sets everything straight
and wipes wrinkle away
hope u share a lots and
receive a lots 4 days 2 come

happy birthday .......

12. Sweetheart!
u r so beautiful my love 4u will always b true,
here's a wish 4 my darling...
may all your dreams come true
i wish u a very happy birthday.
with lots of love and kisses...
from a heart that beats...
just 4 you by me.

13.  Lovely msg for a Lovely Person
from Lovely Friend
For a Lovely Reason
at a Lovely Time
from a Lovely Mind
in a Lovely Mood
in a Lovely Style
to wish you
Have a Lovely "BirthDay"

14.    Some people like sunday,
Some people like monday,
However i just like only one day,
Its your birthday?Happy Birthday!

15.  You can spend
hundreds on birthdays,
thousands on festivals,
lakhs on weddings,
but to celebrate
all you have to spend is your TIME....

Valantine Day

 
1.    jibon-er sob valo somporkho gulo jol-er moto, jara ase r chole jai, kintu felling gulo megher moto ja sob somay-e thakbe.. I wish u '' happy Valentines day ''............

2.   LOVE is not only made for those people.Who love Each other.But it is Also made for those friends.Who understand each other more lovers.

HAPPY VALENTINE DAY.many many happy returns of the day and every situation.

3.    Love Is A Driver ...

Bitter And Fierce
If You Fight And
Resist Him,

Easy-going,
Once You
Acknowledge His
Power . . . :)


4. 

O my dear Valentine
Whats life ?
Life is love.
Whats love ?
Love is kissing.
Whats kissing ?
Come here and I show you.

5.   No poems no fancy words
I just want the world to know
that I LOVE YOU my Princess with all my heart.
Happy Valentines Day.

6.  My Heart To You Is Given,
Oh Dear, Do Give Yours To Me,

We'll Lock Them Up Together
And Throw Away The Key :)

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10.

EiD MuBaRaK

1.  *<<*''*>>*On the pages of roses.

With the ink of moon light..

With the hand of love..A pen <<*''>>of prayers has written ....Only 2 wish u**EiD MuBaRaK**

2.  Wishing u a grand celebaration of eid with enjoyment, interaction and dedication . Be happy & always remain so..".EID MUBARAK".

3.   (_),,^.______ "/','/" :. : :.)/,, - !,!,!"""!,!,!" 1,00,000taka HAM BA..!! It's ur Eid gift. "EID MUBARAK"

4.  Look at the clock, second is runing, minute is walking, hour is moving, day is going... So i can say Eid is coming, advanced ¤¤Eid mubarak¤¤:):):)

5. 

Aaj Khuda ki hum par ho Meharbani,
Karde maf hum logo ki sari Nafarmani,
Eid K din aj aao mil k karain yeh hi wada,
Khuda ki hi rahon main hum chalain gay sada.
Sare Musalmanon ko EID MUBARAK.

6. 

Kash hum ek SMS hotay
bas aik click mey aap ky paas hoty
mana k aap hamy delete kar daitey
laikin kuch dair k liye tou hum aap ky paas hoty
or
bari khushi say kehtay EID MUBARAK

7. 

Aaj Eid
Kal Eid
Subha Eid
Sham Eid

Khuda Kare k Ap k Har Lamhe Ka Naam Ho Eid

"Eid Mubarak"

Shuvo Noboborsho

1.    Banglar rang, abeg, shanskrity mishe thakok ajibon. Shuvo Noboborsho " 

2.  Birth is the start of life.Beauty is the Art of life.Love is the Part of life.Death is the Last of life.But,friend is the Heart of life.subho poila baisak.

3.   Notun Bosor dice Uki" "akhon shudu matro moja kora baki" "gace,gace Urce paki" "bondu Ebar kulo akhi" "Suvo Noboborsher hubecha"

4.  Natun surjo natun pram, natun sur natun gaan ,

natun ally katuk adhar,

katuk bishad,

asuk horsho,

subho hok natunboarsho

5.   Natun asha,

Natun pram,

Natun sure,

Natun gaan,

Natun ushar,

Natun aalo,

Natun bacor,

Natuk bhalo.............

'' Subho Poila Baisakh ''

6.   Dingoli jamoni houk thik e jai kata, tobe bola lav ki purono sriti gata, a bochore puran houk tur sokol aasa, new year a tur jonna ata e kori prottasa.

'' Happy poila baisakh ''!!

7.   Ting tong......

K........k.........?

Ami............

Ami......k.......?

Ami........sms.

Ki....... Chao......?

1ta ......katha boolte....

Bolo.....

'' Subha Nababarsha ''

8.   Tomar jonna sokal, dupur tomar jonna sondha, tomar jonna sokol gulap & rojonigondha. Tomar jonnae sob sur ar tomar jonnae chondo .

Noton bochor boya anuk onabil anondo....... 

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Read More

About loan

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What is loan?

In finance, a loan other things, the

Principal amount

, interest rate, and the payment date, which is designated a loan evidenced by a note. A loan for a period of time, between the lender and borrower subject asset (s) of the re-allocation entails.

Typically, the money regular installments, or partial payments are paid back, in an annuity, each installment is the same amount.

In the practice of this article, however, focuses on monetary loans can be lent to a physical object.

Acting as a provider of loans to financial institutions is one of the major functions. For other entities, such as bonds are a typical source of financing is the issuance of debt contracts.

Types of  loans

Secured

Certain assets as collateral for a secured loan borrower (eg a car or property) which is a loan pledges.

A mortgage loan used by many individuals to purchase housing a very common type of debt instrument. In this arrangement, the money is used to purchase property. Financial institutions, however, is given security - a lien on the title to the house - until the mortgage is paid in full. If the borrower defaults on the loan, the bank can repossess the house and sell it, it would be legal right to recover the amount due.

The duration of the loan period is considerably shorter - often corresponding to the useful life of the car. Direct and indirect auto loans are of two types. Where a bank gives the loan directly to a consumer is a direct auto loan. A car dealership bank or

Financial

  institution and serves as an intermediary between the consumer, where an indirect auto loan.

Unsecured

Unsecured loans are not secured against the borrower's assets are monetary loans. These financial institutions under many different guises or marketing packages may be available from:

    Credit Card Debt

    Personal Loans

    Bank overdraft

    Credit facilities or lines of credit

    Corporate bonds (may be secured or unsecured)

Interest rates applicable loans that are not secured against the borrower's assets are monetary loans. These financial institutions under many different guises or marketing packages may be available from:

     Credit Card Debt

     Personal Loans

     Bank overdraft

     Credit facilities or lines of credit

     Corporate bonds (may be secured or unsecured)

Interest rates applicable to these different forms may vary depending on the lender and the borrower. It may or may not be regulated by law. In the United Kingdom, is applied to individuals, these may come under the Consumer Credit Act 1974.

Should. When a court divides the assets of borrowers in bankruptcy proceedings, secured lenders traditionally have priority over unsecured lenders. Thus, a higher interest rate in the event of bankruptcy, debt reflects the additional risk that may be uncollectible.

Demand

Demand loans payments for a certain date and the prime rate vary according to which a floating interest rate, do not carry that unusual in the short-term debt are. They called for payment by the credit institution at any time "" can be used. Demand loans may be unsecured or secured....

Subsidized

A subsidized loan interest is reduced to explicit or hidden subsidies, which is a loan. In terms of college credit in the United States, it remains a student enrolled in education, while no interest is earned, which refers to a loan.

Concessional

A confessional loan, sometimes called a "soft loan," is granted on terms substantially more generous than market loans either through below-market interest rates, by grace periods or a combination of both.[3] Such loans may be made by foreign governments to poor countries or may be offered to employees of lending institutions as an employee benefit.

Target Market 

Personal and Commercial 

Also indebted to loan an individual person (consumer) or a business that can be according to. Common personal loans, mortgage loans, car loans, home equity lines of credit, credit cards, installment loans and payday loans are included. Credit score of the borrower and the underwriting of these loans and the interest rate (APR) is a major component. Personal loans monthly payments decreased by selecting longer payment terms, but overall interest payments can be increased as well. For car loans in the U.S., the average duration in 2009 was about 60 months. [4]

Loans to businesses are similar to above, but also include commercial mortgages and corporate bonds. Underwriting is not based upon credit score but credit rating.

Read More

About take care of health

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Mustcontinue to fight for health care reform

    It is better tomorrow than it is needed to

  make health

  care affordable, nothing is different today.

    Today we passed a health reform bill put a down payment on the promise of health care reform is necessary.

    Now a health reform bill, health care reform is just beginning, not the end.

1. It is better tomorrow than it is needed to make health care affordable, nothing is different today.Keeps rising cost of health insurance and health care:

    Since 1999, jointly by employers and employees pay health insurance premiums for family coverage, the average combined cost of 2009 (PDF) for $ 13,375 at 131 percent is reached. Meanwhile, the median family income is only 2000 and 2009 (PDF) between increased an average of 19 percent.    Insurance and a typical American family of four in 2009 for a total cost of $ 15,609 out-of-pocket medical costs figures for 2008, compared with a 7.4 percent increase, was $ 16,771.

    15 issues from 2003 to 2007 by 19 percent, or 57 million Americans paying medical bills increased the percentage of Americans with a family.

    If current trends continue, annual

 health care   costs for employers in the next decade will increase by 166 percent - up to $ 28,530 per employee.

An increasing number of people without insurance are:

    Health insurance premiums experts forecast that 52 million Americans will be uninsured in 2010 have risen so high.

    Among the uninsured, 80 percent of working families (PDF) as well.

    People without health insurance get less attention when they are sick and dying, medical care is likely to be delayed. Lack of health coverage in the U.S. each year causes 45,000 deaths

    In 2006, the U.S. economy because of poor health and uninsured young age as much as $ 200 billion lost.Keep shrinking benefit frm health insurance cover:

    2004 employees’ health insurance co-payments and deductibles from 40 percent to have to increase your cash outlay since. American families spend more of their own money as the monetary value of employer-based health benefits from 2004 to 2007 (PDF) declined.

    Sixty percent of people who filed for bankruptcy they could not pay the medical bills. Insurance, while 75 percent of those people were overwhelmed by medical debt.

    Many companies they wanted it or not, workers herded in coverage known as the low premium, high deductible health insurance plan enrollment "consumer-directed health plans," $ 8 million in 2009 (PDF) rose. That is a 250 percent increase since 2006.

2. Today we passed a health reform bill put a down payment on the promise of health care reform is necessary.

Good, affordable health care in the United States to guarantee access for everyone fighting has been raging for decades.

3. Now a health reform bill, health care reform is just beginning, not the end.

Senate Bill (PDF) on improvements in the health insurance premium subsidy rules constitutes a good start. But it is a beginning, not an end just that.

Can afford.

If the Senate bill is passed in the Senate on immediate reforms can be passed through reconciliation. These include:

Fixing the excise tax.

Subsidies for low-income people improve.

Based on national rather than state health insurance exchange is made.

Adding a public health insurance plan option.

Even though, is not the end of reform. We have comprehensive affordable health care for everyone is a need to expand coverage.

Hurt or Heal? Weighing the importance of evidence in medical care and coverage

Let's face it. We are spoiled. We have dozens of brands to choose from toilet paper. We want soft or strong? Or extra soft. And we hope to translate these into consumer attitudes medical care.

Medical terminology to adjust to the new

Market

 mentality has changed. Patients who seek medical care are people, they're consumers. “We 'providers,' not seek medical care from doctors and hospitals. We like TV sets, treatment 'than' do. But even when the manufactured goods we often need help in deciding what we should choose.

We are unhappy with our choices, but in the refrigerator, if it is not life threatening. We may have the option to medical treatment. Why then examine the clinical evidence and change their recommendations for breast cancer screening, an apolitical group of medical professionals all over the dispute?

Brouhaha raised by some groups were trying to kill health reform. The new recommendations when played right into their hands.

Let's face facts. And developed the drug.

Take for ulcer treatment. For decades, stomach ulcers were thought to be caused solely by emotional stress. Australia in 1982, Barry Marshall, a doctor from the stomach lining of patients suffering from ulcer biopsies (small pieces of tissue) was observed a previously unknown bacterium. His theory the medical establishment, which humiliated him hit the wall of logic:

    alleviated by ulcers, inflammation of the stomach lining is usually intact, and most patients with ulcers themselves and found back in a year or two. Patients on a regular basis, seeking psychological counseling to find employment at"

Facts and changed the treatment protocol as his theory was widely accepted before it took a decade.

    secretion inhibitors can be cured by a short regimen. "

That evidence is looking at what you can achieve. That's why we want from our medical care is better, more effective treatments.

Unfortunately, the facts are not always so obvious. In many cases, medical intervention specialists must weigh the potential positive and negative outcomes. As is the case with mammography recommendations.

The importance of early detection so we have been droned on, the new recommendations that the 'common sense' seems to go against the idea when it is no wonder people are angry and confused. Any medical intervention can have negative consequences that we remember. Here I have not seen widely discussed in the dispute mammographies is a potential negative side effects:

    suggests that risk. Mammography saves women's lives, so that's why it's a trade-off. "

With such a big threat looming shadow benefit of the intervention is important. But it does not mammographies for women under 50:

    Will not be enough to convince the show. "

Finally, get the facts straight on all fronts. Senate health reform bill all insurance companies cover only the U.S. Preventive Services Task Force recommends that the mandate is not. This no cost to the patient, the Task Force recommended preventive care; insurance companies are required to cover:

    shall not apply -'' (1) evidence-based items or services under the influence of "A" or the current recommendations of the United States Preventive Services Task Force "B" has a rating of that. "

Recommended because it is more likely to reveal. Senate health reform bill actually does the study authors recommended that:

    Do not pay a lot of little economic sense. Early disease treatment costs are much higher. "

The U.S. Preventive Services Task Force now mammography’s only difference is usually between 40 and 50 for those women over 50 'highly valuable' are not, that is.

In the end, however, we emphasized on NBC's Dr. Nancy Snyder man, you should keep in mind:

Keyin the House bill as progressive: as expected, Senate Bill

Senator Harry Reid, the majority leader, the Senate health reform bill has been introduced. Patient Protection and Affordable Care Act (PDF), HR 3590, the first 10 years is projected to reduce the federal budget deficit. The Washington Post reports as follows:

    "Democratic leaders nonpartisan Congressional Budget Office, the Senate bill over the next decade as $ 130000000000 federal deficit will cut determined that he was happy. Midnight the night before Wednesday released shortly launch before the House to come to any legislation of the Big cost savings represents or Senate this year, but the measure's effective date, also for 2014, a year back was pushed. "

The House bill a year ago, in 2013, takes effect. According to the New York Times, the one-year delay "of legislation is primarily to reduce costs."

So, start date, other than the final Senate bill my last post ("House health bill to the Senate should be a model") discussed in the categories against the House bill is over? Too much as expected.

1. Health insurance exchange.

The House bill, unlike the federal government's responsibility, the Senate bill their own health insurance exchanges in charge of states puts. The Washington Post explains:

    "Senate measure that most people buy insurance will be required. Within the House earlier this month approved legislation is similar, and their employers affordable coverage did not provide the new state-based policies Shop are able to individual coverage markets will act as the exchanges'. Insurance companies such preexisting conditions by denying coverage as practices will ban the sweeping new rules to be followed. "

2. Public Health Insurance Plan.

Public option to the states, their health insurance in return for the public plan can not choose, except the House bill mentioned in the same work. Like the House bill, the public plan will not be tied to Medicare reimbursement rates. Instead, the public plan providers negotiate rates must. As the New York Times reports:

    "Mr. Reid's bill under the private insurance companies would compete with a new public insurance plan would establish. State law by passing a public plan opt-out could."

3. Insurance company transparency and accountability.

The Senate bills them truly accountable for keeping will be essential that insurance plans transparency thus requiring far fewer falls. Bill's brief summary, according to the health plans to disclose will be required is:

    "Patient Protection and Affordable Care Act, hospitals and medical devices physician ownership as well as nursing home ownership and other characteristics with information will provide consumers."

Insurance companies should be required for the disclosure to see my blog post "Insurance companies still enough regular will not be read".

4. Affordability.

Expansion with the cost of help States while the Senate bill, federal poverty level, (FPL) of the 133 percent below the with income all non elderly to engage Americans Medicaid for the eligibility is transmitted. The House bill Medicaid to 150 percent of Medicaid expands.

Both bills they will be essential to help cover health insurance to low-income people (up to 400 percent FPL) to provide assistance.

5. The employer's responsibility.

The House bill, unlike the Senate bill, employers "play or pay" its employees to provide health coverage to the falls is not required. Instead, the low-income workers can discourage employers from hiring that includes a provision. The New York Times described as:

    "The Senate bill clearly employers provide health insurance coverage requires. But more than 50 employees, an employer does not provide coverage and any worker a federal subsidy is eligible for the employer to pay a penalty to be is typically $ 750 for each of your employees. "

6. Financing.

The House bill, unlike the rich no additional tax, but more than $ 250,000 a year earned by joint Medicare payroll tax of 0.5 percent increase.

Furthermore, Senate bill high Premium plans tax on imposes.

7. Immigrant of the abortion coverage and coverage of the grant.

The Senate bill, the House bill than abortion coverage no federal funding is there to ensure that a less rigorous attempts. The Washington Post reports as follows:

    "Reed abortion coverage public insurance plan has been offered in then federal finance from nutrition private premium would separate you that of a 'firewall' proposed to establish is the, or abortion opponents muster with the not pass may be that took a different approach.

    "Some details Wednesday were available, but Sen. Barbara Boxer (D-Caliph.) on the issue of an agreement to make working an abortion rights advocate, I could not be happier," said. Want to keep the from the bill out the abortion, Senator Reid it the right way had done. '

    "National Right to Life Committee, however, Firewall" totally unacceptable "and called for it to allow federal funding of abortion" layers contrived definitions and hollow bookkeeping requirements "used to be."

In addition, the bill slightly different immigrant treatment. The Washington Post explains:

    "House as subsidies and thus highly both under the bill would expand who have Medicaid, the federal programs would prohibit the use, while the Senate bill, through the exchanges to buy insurance illegal immigrants times."

House, Senate health bill should be a model for

Two bills from the House bill that we can be stronger and final Senate bill is more progressive ways than you can see.

: Roger Hickey of the Campaign for America's Future and Diane Archer House "Affordable Health Care for America Act of 2009" (HR 3962) stated in his letter of support for

    Acts that hope. "

The Senate, the House should follow the example of the key areas are:

1. Health insurance exchange.

The House bill small businesses (100 employees or less) and will be open to individuals who do not have employer coverage that creates a national health insurance exchange. Over time, more employers to offer insurance to their employees through the Exchange will be able to. The House bill designed to exchange an active negotiator. The Senate bill, on the other hand, the possibility for states to build health insurance rates will drop and the role of a passive price taker Exchange relegates.

Timothy Jost explains:

    That -. States and insurance companies will also manage resources to oversee...

    Can be an important lever, and refusal to negotiate with the insurance companies do not do anything to keep up no group market. "

2. Public Health Insurance Plan.

House Bill choice, competition and accountability to ensure the exchange makes available through a national public health insurance option. Like other private plans, the public option must survive on their premiums. Public option administered by the Secretary of Health and Human Services and the providers to participate in rates will be negotiated.

According to Timothy Jost: 

   

    "House public option that requires negotiate rates with providers, however, is considerably weakened."

3. Transparency and accountability to the insurance company.

House Bill Exchange commissioner insurance companies participating in the trade and exchange for what they are offering clear information about how (PDF) gives the power to demand to provide:

The Senate bill may include some such requirements.

CQ reports today on November 9 at his article "Insurance companies aim to expand industry power over federal reporting":

    The industry is expected to add new regulatory costs.

Her congressional testimony (PDF), the Diane Archer in the private health insurance market, the lack of information currently available to describe the problem:

    "The health insurance market is broken. A competitive market, insurance companies, cancer, diabetes and heart disease for people with reasons to deliver the best price-performance health care, health care will be marketed to users. Their messages 20Marketing are like automobile companies.

    Their wonderful care plan would win a prize. but in reality that would kill them. "

    Do not advertise. Information we need to know is right.

4. Affordability.

House bill to provide health coverage and health care generous affordability credits and out-of-pocket costs by limiting (PDF) makes it more affordable:

    "Health Insurance Exchange through Sec. 341. Availability. Affordable health coverage to 400% of the federal poverty income affordability credits to ensure that people with builds. These credits as individual and family income

The Senate bill may not be as generous.

Timothy Jost explains:

    Are more generous than the Senate bill either. "

5. Responsibility of the employer.

The House bill requires everyone - individuals, government and employers (PDF) - all to guarantee access to quality, affordable health care, and share in the responsibility.

    "[With $ 500,000 annual salary] employers either to provide health insurance to their employees or to help fund should contribute to affordable health insurance. Coverage, workers, families, at least 65 percent of premiums to 72.5employer to employees to help cover expenses contributes 8 percent of their salary to coverage through the exchange. "

    There is also a tax credit program for low-wage small businesses provide coverage for their employees. "

Senate bill may impose certain requirements on employers. According to Timothy Jost, "Senate Finance bill is very weak [employer's] mandate, but the final bill is likely to include a mandate of some sort."

6. Financing.

Bill $ 1 million (couples) or $ 500,000 (individuals) in excess of 5.4 percent surcharge on taxpayers with adjusted gross income.

The Senate bill, just like coal miners and firefighters is good for people in high-risk professions, can provide extensive coverage of the poor by taxing high-premium plans can enforce health policy.

The Senate should not follow the field

Stupak amendment to the House bill through the Senate at the last couple regressive language on abortion coverage should not be included.

In an editorial in the Detroit Free Press explains:

   "As part of the historic bill passed and anti-abortion Democrats (U.S. Rep. Dale Kildee, D-Flint) including the Stupak amendment is credited with bringing it more difficult for poor women to obtain abortions may exclude abortion coverage from any policy until.

You spend more shfts to theGOP health reform bill

The New York Times reportedyesterday that

    State Regulation of Pelosi has come up with an answer. "

That, in a nutshell House GOP bill to reform our health care system (PDF) is. Same old, same old. His plan is nothing new. The Republican answer to every problem is a rehash of:

    Industry involved as much as possible deregulate;

    Cost and risk burden on consumers and taxpayers ("buyer beware"), Put, and

    Protect consumers and businesses injured.

Here the tired formula of the Republican Party in his health care reform plan how that plays out.

Deregulate industry involved as much as possible

(Insurance companies to sell health insurance across state lines, allow me to explain why Rick Smith Show listen is not a bad idea.)

Why cheat the laws of the State to understand a problem, it is important to understand how insurance is handled. State health insurance is the primary regulators. Rules vary from state to state and even individuals, small or large group markets are based. Employee Retirement Income Security Act of 1974, or ERISA, bars states from regulating employer-sponsored health plans. Provided. Therefore, state law, at least 50 employees generally sold to individuals and small groups with policies sold to small employers implement policies.

In general, state laws are more extensive than federal law. In almost all states, for example, in the small group health insurance companies for the same coverage can vary premiums among small employer groups, limits on the amount by which the offer. Also, in many states, insurers are required to cover certain conditions or providers.

GOP plan proposed state health insurance insurance companies will be allowed to circumvent the rules.

That's why virtually unfettered discretion in their practice allows insurance companies. This piece further and guarantee access to health insurance market, in particular, like Maine, Massachusetts, New Jersey, New York, and in states like Vermont, premiums, limit coverage exclusions, and / or has limited mandate which benefits would eviscerate the viability of the most comprehensive consumer security market.

And it is not a new idea. Republicans have proposed this time and time again. For example, they repeatedly Health Care Choice Act (HR 4460) and health insurance policies across state lines, circumventing state regulations and consumer protection will be allowed to sell the Small Business Health Fairness Act (HR 241), introduced have.

Small Business Health Fairness Act of small businesses band together and buy insurance exempt from most state insurance regulations and consumer protections that allow the Association for Healthcare Plans (AHPs), will be created. : Drum Major Institute for Public Policy (PDF) of the

    will soar, and unable to cope with the increased costs to their employees leave companies at risk of becoming uninsured. For this reason, the Congressional Budget Office estimates that the AHP legislation, if enacted, four out of five small employers would result in higher premiums for. "

Even the National Small Business Association (NSBA) AHPs against. Back in 2005, Todd McCracken, NSBA president, said:

    Businesses need a better solution’s not the answer. "

: In 2004, the National Governors Association writing that they have also come out against these types of schemes

    Would raise 'would undermine existing financial oversight and consumer protection measures. "

Such "pick-your-regulatory" provisions during his 2008 presidential campaign of John McCain's health reform proposals were central. (See my blog post "deregulate, baby, deregulate: McCain's health reform plan")

("Too late, too little health insurance industry, health care reform has revealed a new plan." See my blog post)

("Buyer bewares") costs and risks placing the burden on consumers and taxpayers

The "Health Insurance: A Primer," As (PDF) Congressional Research Service Bernadette Fernandez says:

    This is why individuals are considered risk pool, the entire pool of individuals for serious medical experiences or something catastrophic financial loss that is less likely. "

Expensive high-risk pool premiums to people with a portion of the state subsidy offer a choice of private insurance plans. Inevitable result of high-risk pools good, affordable health care access to the medically uninsurable myriad of problems that have plagued. In a study published in Health Affairs found that most state high-risk pool:

    Failed to health problems. "

Yet none of these shortcomings will be addressed by the GOP bill.

They can not afford it nor the House Republican bill that help people pay for coverage. The bill any tax credits, subsidies, guarantees of profits or out of the pocket does not provide maximum protection.

As the Washington Post reports today:

    "Republican health care debate, the long-awaited entry into the ranks of the uninsured would be hard to dent the congressional budget analysts concluded that the assessment made last night.

    easure ", according to an analysis by the nonpartisan Congressional Budget Office, through 2019 at a cost of $ 60 billion would cover only 3 million additional people. It is now more than a decade would leave 52 million Americans uninsured."

Protect consumers and businesses injured

To reduce overall health care costs of the bill, the Republican plan to improve their health is one of the mainstays: "tort reform." Bill doctors, hospitals, and patient lawsuits against manufacturers of drugs and medical devices impose new restrictions. The insurance companies can set their premiums have no restrictions.

Therefore, the savings in medical malpractice premiums on total health care spending may have only a small effect.

Other contributing factors (PDF) decline in investment income of insurance companies and insurance companies are among the least competition.

 

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