Focusing on Medical Health Care Concerns

Almost half of the nearly 5 trillion dollars in medical and health care related activities can be accounted for in the US. It is obvious that our country has well trained professionals, outstanding technology and a vast array of medication designed to address health concerns. Yet, why is medical care so costly and problematic for so many individuals to receive?The Growth of Medical CareFor most of the worlds more developed countries the medical field is one of their largest industries. If you count the money generated by medication sales, diagnostics, nursing homes, hospitals, physicians, and other ancillary activities it is quite easy to see why the medical industry accounts for 10-20% of a country’s gross production.In the US alone there are nearly 800,000 medical doctors, more than 5000 hospitals and millions of health care workers. One of every dozen US citizens works in health care now and this number is expected to grow. Still there are not enough workers and facilities to handle the 20 million outpatients that are currently being seen every day. This staggering amount of outpatient visits does not include the average daily count of 4 -5 million hospitalized patients.The vast, complex health care industry in the United States is one that attracts people from around the globe. Switzerland and Germany both have large medical industries, but these countries run their health care differently from the US. Could it be possible that our nation’s health care will soon be undergoing a radical type of change?Answers are Difficult to FindIs the answer to the current health care dilemma as simple as nationalizing health care for all? Will this possibility only make the situation worse? How will the medical resources be allocated among the various segments of our society? These are only a few of the questions that are waiting to be answered.Controversial TopicToday medical health has become a controversial subject among many groups of citizens. There is talk of overhauling the medical system as we now know it. We are also hearing predictions that the government will try to restructure the nation’s health care system. Although much of this rhetoric has been publicized for a number of years it seems that people are becoming more polarized by the possible changes that are now constantly making headlines.The Senior Citizens Have their own ConcernsThe elderly population in the US is keeping a close eye on what is being proposed because health care and medication issues are of great concern to them. Medical and insurance coverage for people 65 and older have undergone many changes since the 1980s. Most senior citizens are very vocal about their displeasure with the way Medicare is addressing the problems, and they are also worried about what the future might hold. The costs of health care and medication needs are extremely high for senior citizens as a whole. Every year they are fearful of having their benefits cut even further, and now they have new worries regarding medical care.Groups at RiskIt has been just a few short weeks since Governor Sara Palin galvanized many citizens with her predictions and comments about “death panels” and nationalized health care. While there were many people who rallied around her statements, the mere possibility of such radical notions began sending shock waves through the nation. This was particularly unnerving to a large percentage of our elderly population. It was also causing concern among advocates for the poor and disabled. Even parents and caretakers of people with physical and mental challenges were becoming alarmed, and feeling threatened.Future Allocation of Health Care Resources?Could it be possible that Medical professionals would possibly agree to form commissions that would allocate health care resources to those they deemed most deserving? This thought was both frightening and “Orwellian” in prospect. A careful review showed that there was no written documentation that actually stated such possibilities, but this did not alleviate the fear and worry of many ordinary citizens. Just the idea that access to hospitalization or medication needs might one day be restricted was enough to generate small scale panic in many communities across the nation.Problems, Problems, ProblemsMedical concerns, health care and affordable medication plans are major sources of worry for everyone today. Insurance coverage is very expensive. There is a growing trend among companies to provide less employee and family benefits in order to cut costs. In some cases this is making it difficult for employees to participate in the insurance plans being offered by their employers. However a growing number of families are too cash strapped to afford health insurance premiums on their own. This is creating a “Catch 22″ type of environment with people unable to afford the cost of becoming sick as well as the cost of being insured.The Answer is CooperationIt is hard to know where the main problems are within the health industry. Some people want to find fault with the high paid physicians and medical specialists and others point the finger of blame at hospitals that seem to be pulling in billions of dollars annually, yet are constantly complaining having too little money. Malpractice lawyers, government regulations and insurance companies have also played a part in today’s health care woes. The answer is not going to be easy to find, and every group associated with the medical industry will need to step up to the plate and help out.

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Radical Education Theory – A Pathway for Social Change and Justice

Radical Education Theory, also known as critical pedagogy, is a type of education that is related to political aspects. Radical education is known to impart the spirit of political participation in people. According to this theory, today’s basic form of education is considered to be misleading and brings in a lot of differences among people.Researchers, theorists, and scholars have different opinions about the theory. Both the teachers and students are involved to benefit by receiving the best knowledge.Purpose of Radical Education Theory Radical education proposes that today’s citizens should not be taught what is right and what is wrong. Relevant knowledge should be imparted so that they become capable of identifying the right things.Teachers should encourage the students to think out of the box and explore things outside the classroom environment. Through this, they will better understand the level of their learning and teaching.Authority-based guidance for the students should be eliminated. The qualities of self-discipline should be encouraged so that students can get a participating spirit and good confidence.Students are also a part of democracy and are granted equal rights. Therefore, they all have the right to implement their knowledge in real life. In this way, students will also understand how to apply the knowledge gained in real-life situations.The teachers’ main goal should be to provide the best knowledge and enhance the quality of education they provide to the students. Therefore, they should not focus on the results. They should keep working to increase student-teacher interactions, which in turn would improve the quality of education.Different Opinions About Radical Education Theory: Theorists and scholars have proposed their views and opinions about the radical education theory. There are numerous definitions and meanings of this theory. Some people believe that the theory is important to start major advancements to improve the quality of education. Some others also believe that it plays an important role in examining the education level offered today. It is important to identify the best procedures and methods through which education can be enhanced and improved. Though there are many such explanations, this theory is for the betterment of the educated and the educators. On the whole, it is all about modifying the existing educational environment. Some also believe that students and teachers should build a strong partnership to improve the educational environment.Role of Educational Institutions: In the current scenario, some researchers believe that public educational institutions do not provide a quality education because such institutions are under the intractable authority’s control. Therefore, privatization can enhance the quality of education offered. However, some people oppose this point of view. Some people believe that privatizing educational institutions to enhance the quality of education will not produce great outcomes. It is an important experiment with new methodologies of imparting education.

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Use Online Car Loan Calculators For a Clear Picture on Auto Loan Rates

Online car loan calculators are available to determine monthly payment or even car purchase price. Online auto loan rate calculators are available for buying or renting cars. Such tools are helpful in finding out which is the better value to opt for. The only limitation of a car loan calculator is that it is liable to change, as the actual repayments are volatile. Car loan calculators are useful as the car loan payments should be calculated before hand and dealer costs for cars are to be looked up to save one from being deceived by banks and finance companies.Monthly Installment CalculationsCalculators share general feature and most of them demand the amount of loan to be provided, and the number of installments for paying back. These help find out financial commitment involved. An auto loan calculator can be offered free on the internet as an excel spreadsheet download area.The Three Factors Affecting LoanIn car loan calculation, it is important to estimate the monthly payments. Three basic factors to consider during car loan calculation are interest rate, total loan principal and loan period. This can calculate our budget and monthly payments. These factors are to be considered and it is as important as asking a loan officer or going online. Online lenders have a simple car loan calculator that is accessible from the website that will help determine the affordability.The Loan Principal – In car loan calculation, the loan principal is the amount of money originally borrowed and the total interest charges at the end of the loan period depend on the amount of the loan principal and the loan period. The more principal borrowed, the more money will have to be paid back over the loan period. With each monthly payment, the total loan principal gradually deducted. For the first few months, a good percentage of the monthly payments are used to cover the interest costs. A small percentage is used to pay off the loan principle and as the loan matures, more payments will go towards paying the principal and less to pay the interest of the loan.Interest Rate And The Loan Period – The calculators are available online to determine the loan tenure on entering the monthly installments and the interest rates. Interest rates vary with lender and it depends upon the credit scores of the borrower. Higher the FICO score lower the interest rates would be.Types Of Car Loan Calculators Available Online Free Car Loan Calculator – A net facility, for knowing the loan amount to be paid back.
Online Auto Loan Calculator – Online car loan calculators to find the best deal.
New Car Loan Calculator – To work on ideal monthly payments. There are certain calculators which can be used for a variety of uses like used car loans. In these calculators, the end-user can enter his own interest rate for his loan.
Affordability Check Calculators – Affordability check calculators help in arriving at a close approximation reckoning with the installment amount, insurance, fuel and maintenance. The most important decision is whether to buy a brand new or a used vehicle and to buy or lease. Car loan calculators are useful in hastening the decision to buy a car. DrawbacksThese web based calculators help calculating only the car price but not the affordability. Once the car is bought using a car loan, a person’s budget should add fuel and maintenance costs, which are not calculated. The calculators even miss out on calculating taxes and liens.Most lenders want people take out as much loan as possible, as it is profitable for them. Car loan calculations give an estimate of the total costs, which will determine affordability.

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