Hello world!

Welcome to Datenkurier.de. Don’t trust media.

Man hat mich oft gebeten, gerecht zu sein und eine Sache von allen Seiten zu betrachten. Ich habe es getan, in der Hoffnung, daß eine Sache vielleicht dadurch besser werden könnte, daß ich sie von allen Seiten betrachte. Aber ich kam zu dem gleichen Resultat. So blieb ich dabei, eine Sache nur von einer Seite zu betrachten, wodurch ich mir viel Arbeit und Enttäuschung erspare. Denn es ist tröstlich, eine Sache für schlecht zu halten und sich dabei auf ein Vorurteil ausreden zu können.

Wenn sich die Schlange vor mir auch windet, ich zweifle doch an ihrer Zuverlässigkeit.

Bringen Sie Ihr Vermögen in Sicherheit
Deutsche Bank AG Insolvenzantragsverfahren Az.: 810 IN 652/13 D

NORD/LB Az: Insolvenzantragsverfahren 273/IN 173/17 D
Die NORD/LB fälscht im großen Stil Urkunden – Unterschriften werden kopiert. Die Justiz in Niedersachsen vernichtet im großen Stil Ermittlungsakten, dabei wird auch ein wenig gezündelt – Staatsarchiv Wolfenbüttel.

Don`t trust Deutsche Bank AG und NORD/LB.

Die Kultur hat nur ein vorgeschriebenes Maß von Schönheit nötig. Sie acht sich alles selbst, sie hat ihre Kosmetik und braucht nichts mehr vom Kosmos zu borgen.

Um zu glauben, daß Einer das alles gemacht hat, braucht man doch sicher mehr Gedanken, als um zu wissen, daß er es nicht gemacht hat – ihr Idioten des freien Geistes!

Wenn mich einer eitel und gemein nennt, so weiß ich, daß er mir vertraut und mir etwas zu beichten hätte.

Infantile, die seit damals nur das Beten verlernt haben, werden von Analytikern ins Gebet genommen. Am Ende können sie wieder beten: Erlöse uns von der Analyse.
Es ist nicht wahr, daß ich immer nur zerstören und nicht aufbauen kann. Es ist eine Lüge, daß ich zu positiven Bestrebungen unfähig bin. Nichts möchte ich lieber erreichen, nichts interessiert mich mehr, nichts ist mir wichtiger zu wissen, als was übers Jahr herauskommt, wenn ich in einem abgesperrten finstern Raum eine Anhängerin des allgemeinen Wahlrechts und einen Monisten über vergleichende Menschenökonomie und die synergetische Funktion der organischen Systeme sowie auch über die Stellung des Selektionsprinzips in der Entwicklungstheorie nachdenken lasse.

Wogegen ich wehrlos bin, das sind Gerüchte, Hysteriker, Fliegen, Schleim und Psychologie. Mit dem Zufall nehme ichs schon auf. Und was die Intriganten anlangt – was die können, habe ich längst verschwitzt.

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    Кредит наличными.
    От 100 000 руб. до 2 000 000 руб.
    Приведенные расчеты являются предварительными. Для точного расчета обратитесь, пожалуйста, в отделение РосЕвроБанка .
    Приведенные расчеты являются предварительными. Для точного расчета обратитесь, пожалуйста, в отделение РосЕвроБанка .
    Условия.
    от 12 до 60 месяцев.
    (срок кратен 6 месяцам)
    С поручительством граждан РФ.
    Минимальная сумма кредита.
    Максимальная сумма кредита.
    Процентная ставка по кредиту.
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    ежемесячно равными платежами.
    * Сотрудники корпоративных клиентов, заключивших с Банком договор на расчётно-кассовое обслуживание, действующий не менее 6 (шести) месяцев.
    ** Сотрудники корпоративных клиентов, получающие заработную плату и другие выплаты на карту Банка, или физические лица, имеющие вклад в Банке с ежедневным остатком в течение последних 6 (шести) месяцев не менее 1 000 000 рублей (или эквивалент в соответствующей валюте).
    *** Участники (акционеры); руководители корпоративного клиента, заключившего с Банком Договор на оказание услуг по выплате заработной платы, вписанные в карточку образцов подписей корпоративного клиента; заёмщики, имеющие положительную кредитную историю в Банке.
    Как оформить.
    Требования и документы.
    гражданство – Российская Федерация;
    возраст – не менее 23 лет (для заёмщиков категории «Стандарт»*) или 21 года (для остальных заёмщиков) на момент получения кредита и до исполнения 60 лет (для заёмщиков категории «Стандарт») или 65 лет (для остальных заёмщиков) на момент погашения кредита;
    для клиентов, получающих заработную плату на карту Банка, и клиентов подкатегории «Вкладчик» – регистрация по месту жительства (прописка) на территории РФ;
    для клиентов, не получающих заработную плату на карту Банка, – регистрация по месту жительства (прописка) в: г. Москва, Московской области, Ленинградской области, другом субъекте Российской Федерации, в котором расположен филиал или кредитно-кассовый офис Банка;
    наличие места работы в г. Москва, Московской области, Ленинградской области, другом субъекте Российской Федерации, в котором расположен филиал или кредитно-кассовый офис Банка;
    стаж работы на текущем месте – не менее 4 месяцев (для индивидуальных предпринимателей и собственников бизнеса – срок предпринимательской деятельности – не менее 1 года, срок обслуживания организации в Банке – не менее 6 месяцев)
    наличие источника постоянного дохода.
    Дополнительно.
    О “Памятке заемщика по потребительскому кредиту”
    Банк России в рамках работы по обеспечению законности в сфере потребительского кредитования и повышению финансовой грамотности населения подготовил “Памятку заемщика по потребительскому кредиту” (далее — “Памятка заемщика”). В “Памятке заемщика” изложена наиболее существенная информация, которая может помочь заемщику (потенциальному заемщику) при принятии решения о получении потребительского кредита.
    I. Решение о получении потребительского кредита — ответственное решение.
    Потребительский кредит — это кредит, предоставляемый банком на приобретение товаров (работ, услуг) для личных, бытовых и иных непроизводственных нужд.
    Получение кредита предполагает обязанность вернуть в установленные кредитным договором сроки основную сумму долга (сумму, которая была получена от банка), а также уплатить проценты за пользование кредитом.
    Часто условиями кредитного договора также предусматривается необходимость осуществления иных платежей, связанных с получением и погашением кредита, в пользу банка (комиссии за рассмотрение документов на получение кредита, открытие и ведение банковского счета, осуществление переводов денежных средств и т.п.), а также в пользу третьих лиц (платежи, связанные с договорами страхования, залога, перевода средств через отделения связи или иные банки и т.п.).
    Если какие-либо предусмотренные кредитным договором платежи не осуществляются или осуществляются несвоевременно и/или не в полном объеме, банком может быть предъявлено требование об уплате неустойки (штрафа, пени). О праве банка предъявлять такое требование, как правило, сказано в кредитном договоре.
    Перед принятием решения о получении потребительского кредита оцените свои потребности в его получении, а также возможности по его своевременному обслуживанию (погашению), то есть какую сумму денежных средств исходя из Вашего бюджета Вы реально можете направить на уплату всех причитающихся платежей по кредиту.
    II. Внимательно изучите всю информацию о кредите и условиях его обслуживания (погашения)
    Для принятия решения о получении потребительского кредита следует получить от сотрудников банка исчерпывающую информацию об условиях, на которых осуществляется кредитование, в том числе обо всех без исключения платежах, связанных с получением кредита и его обслуживанием (погашением).
    Помните! Ваше право на получение своевременной (до заключения кредитного договора), необходимой и достоверной информации закреплено федеральным законодательством (статья 10 Закона Российской Федерации «О защите прав потребителей», статья 30 Федерального закона «О банках и банковской деятельности»). К такой информации в том числе относятся: размер кредита, график его погашения, полная стоимость кредита в процентах годовых (в расчет пол ной стоимости кредита включаются Ваши платежи по кредиту, связанные с заключением и исполнением кредитного договора, в том числе платежи в пользу третьих лиц, определенных в кредитном договоре).
    Внимательно изучите условия кредитования. Обратите внимание на содержащиеся в них ссылки на тарифы осуществления банком услуг. Запросите и изучите информацию об этих тарифах у сотрудников банка.
    Принятию наилучшего решения может способствовать изучение предложений нескольких банков, выдающих потребительские кредиты. Полученная информация позволит Вам сравнить предложения по потребительским кредитам разных банков.
    III. Внимательно изучите кредитный договор и другие документы.
    Не спешите подписывать документы. Перед подписанием кредитного договора тщательно изучите его. В этих целях, по возможности, возьмите кредитный договор домой, более внимательно изучите его условия, устанавливающие Ваши обязанности (обязательства, ответственность), убедитесь, что кредитный договор не содержит условий, о которых Вам не известно или смысл которых Вам не ясен.
    Если какие-либо условия кредитования Вам не понятны, просите разъяснения и соответствующие документы у сотрудников банка, уточняйте интересующие Вас вопросы. Если Вы не получили необходимого разъяснения, лучше отложить принятие решения о получении кредита. Рекомендуем также сообщить о данном факте в территориальное учреждение Банка России, Ваша информация будет способствовать повышению качества надзора за банками и улучшению их работы.
    Оставляя в банке заявление на получение кредита, обратите внимание, что такое заявление может быть Вашим предложением (офертой) заключить кредитный договор на условиях, предусмотренных этим заявлением. Принятие (акцепт) банком этого заявления будет означать заключение кредитного договора без дополнительного уведомления Вас о данном факте.
    Внимательно изучив кредитный договор, ещё раз взвесьте все «за» и «против» получения кредита, спокойно оцените свои возможности по своевременному возврату кредита и уплате всех причитающихся платежей.
    IV. Подписание кредитного договора — самый ответственный этап.
    Помните! Подписав кредитный договор (заявление-оферту), Вы соглашаетесь со всеми его условиями и принимаете на себя обязательства по их выполнению, в том числе по возврату в установленные сроки суммы основного долга и уплате всех причитающихся платежей, за неисполнение (ненадлежащее исполнение) которых банк будет вправе обратиться с иском в суд.
    Подписывайте кредитный договор (иные документы банка), только если Вы уверены в том, что все его условия Вам понятны, Вы точно представляете, какие платежи и когда Вам необходимо будет произвести, и Вы убеждены, что сможете это сделать.
    Через систему Интернет Банк. Бесплатно.
    Погашение кредитов путем перечисления с помощью системы Интернет Банк с имеющихся счетов в Банке, в том числе и карточных. Для использования системы Интернет Банк необходимо выпустить карту РосЕвроБанка. В рамках тарифного плана «Космическая карта» комиссия за обслуживание карты не взимается в случае, если оформлено распоряжение на подключение периодического перечисления средств со специального карточного счета на счет обслуживания действующего кредита (потребительского кредита, автокредита, ипотечного кредита) в АКБ «РосЕвроБанк» (АО). При отсутствии оформленного распоряжения и невыполнении клиентом одного из условий льготного обслуживания, взимается комиссия в соответствии с Тарифами. Карта является бесплатной на время действия кредитного договора. Карту можно пополнить в Интернет Банке без комиссий переводом с карты любого другого банка или путем внесения наличных через банкоматы РосЕвроБанка с функцией приема наличных или в отделении Банка.
    Путем внесения денежных средств в банкоматы с функцией приема наличных (CASH-IN). Круглосуточно. Бесплатно.
    Погашение кредитов путем внесения наличных денежных средств в банкоматы, оборудованные специальным устройством приема наличных денежных средств (CASH-IN). Для данной операции Вам потребуется карта для погашения кредита. Оформить карту можно бесплатно в любом офисе Банка.
    В Офисах Банка. Бесплатно.
    Погашение кредитов путем внесения денежных средств в кассу. При себе заемщик должен обязательно иметь паспорт. Представитель заемщика может внести денежные средства при наличии предварительно оформленной доверенности.
    Посмотреть адреса отделений РосЕвроБанка.
    Погашение кредитов путем безналичного перечисления со счета клиента, открытого в другом Банке. За перечисление взимаются комиссии в соответствии с Тарифами Банка-отправителя.
    Первое обращение – предоставить номер счета и номер мобильного телефона + паспорт.
    Через систему «Рапида».
    «Рапида» – предлагает своим клиентам более 100 000 пунктов приема платежей по всей России.
    Кредит можно оплатить:
    в отделениях Почты России;
    в банкоматах и кассах ведущих банков-партнеров «Рапиды»;
    в кассах салонов «Связной», «Банзай», «Мегафон-Ритейл», Центры продаж и обслуживания «Ростелеком» и др.;
    в кассах торговых розничных сетей бытовой техники «Эльдорадо», «Эксперт», «Техносила», «М.Видео» и других;
    в отделениях системы денежных переводов Western Union;
    в терминалах «RosExpress», «X-Plat», «Quickpay», «ЕвроПлат» и других;
    c помощью платежного сервиса «Rapida Online».
    Комиссия за перевод денежных средств по кредиту в отделениях Почты России составляет 1,9%(но не менее 50 рублей), через отделения Western Union составляет 3% (но не менее 100 рублей), через терминалы, банкоматы, кассы торговых сетей и салонов сотовой связи составляет 1% от суммы платежа, но не менее 50 рублей.
    Зачисление денежных средств на счет клиента банка происходит на следующий день/онлайн.
    Более подробную информацию о данном сервисе Вы можете получить на сайте http://www.rapida.ru, или по телефонам службы поддержки клиентов:
    +7 (495) 380-15-55 (для жителей г.Москва)
    8-800-555-444-1 (для жителей России). Звонок бесплатный.
    Сможет заинтересовать
    Пожалуйста, заполните заявку.
    ** В целях исполнения Федерального закона РФ №152-ФЗ от 27 июля 2006 года я подтверждаю свое согласие на обработку Банком моих вышеуказанных персональных данных с целью осуществления обратной связи, в т.ч. для получения консультации. Предоставляю Банку право осуществлять все действия (операции) с моими персональными данными, включая сбор, систематизацию, накопление, хранение, уточнение (Обновление, изменение), использование, обезличивание, блокирование, уничтожение.
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  7. First, let’s get a little historical perspective on American health care. This is not intended to be an exhausted look into that history but it will give us an appreciation of how the health care system and our expectations for it developed. What drove costs higher and higher?

    To begin, let’s turn to the American civil war. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause ghastly results. Not generally known is that most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace and this caused severe delays in treating the wounded. Secondly, many wounds were subjected to wound care, related surgeries and/or amputations of the affected limbs and this often resulted in the onset of massive infection. So you might survive a battle wound only to die at the hands of medical care providers who although well-intentioned, their interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!

    Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a „wait and see“ approach. Medicine could handle bone fractures and increasingly attempt risky surgeries (now largely performed in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.

    This very basic review of American medical history helps us to understand that until quite recently (around the 1950’s) we had virtually no technologies with which to treat serious or even minor ailments. Here is a critical point we need to understand; „nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in such a scenario costs are curtailed. The simple fact is that there was little for doctors to offer and therefore virtually nothing to drive health care spending. A second factor holding down costs was that medical treatments that were provided were paid for out-of-pocket, meaning by way of an individuals personal resources. There was no such thing as health insurance and certainly not health insurance paid by an employer. Except for the very destitute who were lucky to find their way into a charity hospital, health care costs were the responsibility of the individual.

    What does health care insurance have to do with health care costs? Its impact on health care costs has been, and remains to this day, absolutely enormous. When health insurance for individuals and families emerged as a means for corporations to escape wage freezes and to attract and retain employees after World War II, almost overnight a great pool of money became available to pay for health care. Money, as a result of the availability of billions of dollars from health insurance pools, encouraged an innovative America to increase medical research efforts. More Americans became insured not only through private, employer sponsored health insurance but through increased government funding that created Medicare and Medicaid (1965). In addition funding became available for expanded veterans health care benefits. Finding a cure for almost anything has consequently become very lucrative. This is also the primary reason for the vast array of treatments we have available today.

    I do not wish to convey that medical innovations are a bad thing. Think of the tens of millions of lives that have been saved, extended, enhanced and made more productive as a result. But with a funding source grown to its current magnitude (hundreds of billions of dollars annually) upward pressure on health care costs are inevitable. Doctor’s offer and most of us demand and get access to the latest available health care technology in the form of pharmaceuticals, medical devices, diagnostic tools and surgical procedures. So the result is that there is more health care to spend our money on and until very recently most of us were insured and the costs were largely covered by a third-party (government, employers). Add an insatiable and unrealistic public demand for access and treatment and we have the „perfect storm“ for higher and higher health care costs. And by and large the storm is only intensifying.

    At this point, let’s turn to the key questions that will lead us into a review and hopefully a better understanding of the health care reform proposals in the news today. Is the current trajectory of U.S. health care spending sustainable? Can America maintain its world competitiveness when 16%, heading for 20% of our gross national product is being spent on health care? What are the other industrialized countries spending on health care and is it even close to these numbers? When we add politics and an election year to the debate, information to help us answer these questions become critical. We need to spend some effort in understanding health care and sorting out how we think about it. Properly armed we can more intelligently determine whether certain health care proposals might solve or worsen some of these problems. What can be done about the challenges? How can we as individuals contribute to the solutions?

    The Obama health care plan is complex for sure – I have never seen a health care plan that isn’t. But through a variety of programs his plan attempts to deal with a) increasing the number of American that are covered by adequate insurance (almost 50 million are not), and b) managing costs in such a manner that quality and our access to health care is not adversely affected. Republicans seek to achieve these same basic and broad goals, but their approach is proposed as being more market driven than government driven. Let’s look at what the Obama plan does to accomplish the two objectives above. Remember, by the way, that his plan was passed by congress, and begins to seriously kick-in starting in 2014. So this is the direction we are currently taking as we attempt to reform health care.

    Through insurance exchanges and an expansion of Medicaid,the Obama plan dramatically expands the number of Americans that will be covered by health insurance.

    To cover the cost of this expansion the plan requires everyone to have health insurance with a penalty to be paid if we don’t comply. It will purportedly send money to the states to cover those individuals added to state-based Medicaid programs.

    To cover the added costs there were a number of new taxes introduced, one being a 2.5% tax on new medical technologies and another increases taxes on interest and dividend income for wealthier Americans.

    The Obama plan also uses concepts such as evidence-based medicine, accountable care organizations, comparative effectiveness research and reduced reimbursement to health care providers (doctors and hospitals) to control costs.

    The insurance mandate covered by points 1 and 2 above is a worthy goal and most industrialized countries outside of the U.S. provide „free“ (paid for by rather high individual and corporate taxes) health care to most if not all of their citizens. It is important to note, however, that there are a number of restrictions for which many Americans would be culturally unprepared. Here is the primary controversial aspect of the Obama plan, the insurance mandate. The U.S. Supreme Court recently decided to hear arguments as to the constitutionality of the health insurance mandate as a result of a petition by 26 states attorney’s general that congress exceeded its authority under the commerce clause of the U.S. constitution by passing this element of the plan. The problem is that if the Supreme Court should rule against the mandate, it is generally believed that the Obama plan as we know it is doomed. This is because its major goal of providing health insurance to all would be severely limited if not terminated altogether by such a decision.

    As you would guess, the taxes covered by point 3 above are rather unpopular with those entities and individuals that have to pay them. Medical device companies, pharmaceutical companies, hospitals, doctors and insurance companies all had to „give up“ something that would either create new revenue or would reduce costs within their spheres of control. As an example, Stryker Corporation, a large medical device company, recently announced at least a 1,000 employee reduction in part to cover these new fees. This is being experienced by other medical device companies and pharmaceutical companies as well. The reduction in good paying jobs in these sectors and in the hospital sector may rise as former cost structures will have to be dealt with in order to accommodate the reduced rate of reimbursement to hospitals. Over the next ten years some estimates put the cost reductions to hospitals and physicians at half a trillion dollars and this will flow directly to and affect the companies that supply hospitals and doctors with the latest medical technologies. None of this is to say that efficiencies will not be realized by these changes or that other jobs will in turn be created but this will represent painful change for a while. It helps us to understand that health care reform does have an effect both positive and negative.

    Finally, the Obama plan seeks to change the way medical decisions are made. While clinical and basic research underpins almost everything done in medicine today, doctors are creatures of habit like the rest of us and their training and day-to-day experiences dictate to a great extent how they go about diagnosing and treating our conditions. Enter the concept of evidence-based medicine and comparative effectiveness research. Both of these seek to develop and utilize data bases from electronic health records and other sources to give better and more timely information and feedback to physicians as to the outcomes and costs of the treatments they are providing. There is great waste in health care today, estimated at perhaps a third of an over 2 trillion dollar health care spend annually. Imagine the savings that are possible from a reduction in unnecessary test and procedures that do not compare favorably with health care interventions that are better documented as effective. Now the Republicans and others don’t generally like these ideas as they tend to characterize them as „big government control“ of your and my health care. But to be fair, regardless of their political persuasions, most people who understand health care at all, know that better data for the purposes described above will be crucial to getting health care efficiencies, patient safety and costs headed in the right direction.

    A brief review of how Republicans and more conservative individuals think about health care reform. I believe they would agree that costs must come under control and that more, not fewer Americans should have access to health care regardless of their ability to pay. But the main difference is that these folks see market forces and competition as the way to creating the cost reductions and efficiencies we need. There are a number of ideas with regard to driving more competition among health insurance companies and health care providers (doctors and hospitals) so that the consumer would begin to drive cost down by the choices we make. This works in many sectors of our economy but this formula has shown that improvements are illusive when applied to health care. Primarily the problem is that health care choices are difficult even for those who understand it and are connected. The general population, however, is not so informed and besides we have all been brought up to „go to the doctor“ when we feel it is necessary and we also have a cultural heritage that has engendered within most of us the feeling that health care is something that is just there and there really isn’t any reason not to access it for whatever the reason and worse we all feel that there is nothing we can do to affect its costs to insure its availability to those with serious problems.

    OK, this article was not intended to be an exhaustive study as I needed to keep it short in an attempt to hold my audience’s attention and to leave some room for discussing what we can do contribute mightily to solving some of the problems. First we must understand that the dollars available for health care are not limitless. Any changes that are put in place to provide better insurance coverage and access to care will cost more. And somehow we have to find the revenues to pay for these changes. At the same time we have to pay less for medical treatments and procedures and do something to restrict the availability of unproven or poorly documented treatments as we are the highest cost health care system in the world and don’t necessarily have the best results in terms of longevity or avoiding chronic diseases much earlier than necessary.

    I believe that we need a revolutionary change in the way we think about health care, its availability, its costs and who pays for it. And if you think I am about to say we should arbitrarily and drastically reduce spending on health care you would be wrong. Here it is fellow citizens – health care spending needs to be preserved and protected for those who need it. And to free up these dollars those of us who don’t need it or can delay it or avoid it need to act. First, we need to convince our politicians that this country needs sustained public education with regard to the value of preventive health strategies. This should be a top priority and it has worked to reduce the number of U.S. smokers for example. If prevention were to take hold, it is reasonable to assume that those needing health care for the myriad of life style engendered chronic diseases would decrease dramatically. Millions of Americans are experiencing these diseases far earlier than in decades past and much of this is due to poor life style choices. This change alone would free up plenty of money to handle the health care costs of those in dire need of treatment, whether due to an acute emergency or chronic condition.

    Let’s go deeper on the first issue. Most of us refuse do something about implementing basic wellness strategies into our daily lives. We don’t exercise but we offer a lot of excuses. We don’t eat right but we offer a lot of excuses. We smoke and/or we drink alcohol to excess and we offer a lot of excuses as to why we can’t do anything about managing these known to be destructive personal health habits. We don’t take advantage of preventive health check-ups that look at blood pressure, cholesterol readings and body weight but we offer a lot of excuses. In short we neglect these things and the result is that we succumb much earlier than necessary to chronic diseases like heart problems, diabetes and high blood pressure. We wind up accessing doctors for these and more routine matters because „health care is there“ and somehow we think we have no responsibility for reducing our demand on it.

    It is difficult for us to listen to these truths but easy to blame the sick. Maybe they should take better care of themselves! Well, that might be true or maybe they have a genetic condition and they have become among the unfortunate through absolutely no fault of their own. But the point is that you and I can implement personalized preventive disease measures as a way of dramatically improving health care access for others while reducing its costs. It is far better to be productive by doing something we can control then shifting the blame.

    There are a huge number of free web sites available that can steer us to a more healthful life style. A soon as you can, „Google“ „preventive health care strategies“, look up your local hospital’s web site and you will find more than enough help to get you started. Finally, there is a lot to think about here and I have tried to outline the challenges but also the very powerful effect we could have on preserving the best of America’s health care system now and into the future. I am anxious to hear from you and until then – take charge and increase your chances for good health while making sure that health care is there when we need it.

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