This article is intended to list the unique payment options for each country we can make payments to. For more information on our payment methods please visit our article on releasing payments to suppliers. Suppliers located in all of the countries listed below have the option to be paid by USD mailed check payment.
The Payoneer Re loadable MasterCard payment option is available to suppliers located in every country listed below except for the following countries:
Afghanistan
Libyan Arab Jamahiriya
Palestinian Territory
Somalia
Electronic Funds Transfer (Free)
Australia (AUS)
Austria (EURO)
Belgium (EURO)
Canada (CAD)
France (EURO)
Germany (EURO)
Ireland (EURO)
Mexico (MXM)
Netherlands (EURO)
New Zealand (NZD)
Spain (EURO)
Switzerland (CHF)
United Kingdom (GBP)
United States (USD)
Currency Wire Countries ($6 USD per transfer in local currency or $15 USD per transfer in USD)
Hong Kong (HKD)
India (INR)
Japan (JPY)
Norway (NOK)
Singapore (SGD)
Sweden (SEK)
Turkey (TRY)
Czech Republic (CZK)
Denmark (DKK)
Estonia (EEK)
Hungary (HUF)
Israel (ILS)
Kuwait (KWD)
Philippines (PHP)
Poland (PLN)
Saudi Arabia (SAR)
Slovakia (SKK)
South Africa (ZAR)
United Arab Emirates (AED)
USD-only Wire Countries ($10 USD per transfer in USD)
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antarctica
Antigua and Barbuda
Argentina
Armenia
Aruba
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo
The Democratic Republic of the Congo
Cook Islands
Costa Rica
Cote D’ivoire
Croatia
Cyprus
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Ethiopia
Falkland Islands (Malvinas)
Faroe Islands
Fiji
Finland
Metropolitan France
French Guiana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guinea
Bissau Guinea
Guyana
Haiti
Heard Island and Mcdonald Islands
Honduras
Iceland
Indonesia
Iraq
Italy
Jamaica
Jordan
Kazakhstan
Kenya
Kiribati
Republic of Korea
Kyrgyzstan
Lao People’s Democratic Republic
Latvia
Lebanon
Lesotho
Liberia
Libyan Arab Jamahiriya
Liechtenstein
Lithuania
Luxembourg
Macao
The Former Yugoslav Republic of Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Federated States of Micronesia
Republic of Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Namibia
Nauru
Nepal
Netherlands Antilles
New Caledonia
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Northern Mariana Islands
Oman
Pakistan
Palau
Palestinian Territory
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Portugal
Puerto Rico
Qatar
Reunion
Romania
Russian Federation
Rwanda
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Senegal
Serbia
Serbia and Montenegro
Seychelles
Sierra Leone
Slovenia
Solomon Islands
Somalia
South Georgia and the South Sandwich Islands
Sri Lanka
Suriname
Svalbard and Jan Mayen Islands
Swaziland
Taiwan
Tajikistan
United Republic of Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United States Minor Outlying Islands
Uruguay
Uzbekistan
Vanuatu
Vatican City State (Holy See)
Venezuela
Viet Nam
Virgin Islands, British
Virgin Islands, U.S.
Wallis and Futuna Islands
Western Sahara
Yemen
Yugoslavia
Zaire
Zambia
Zimbabwe
If your country is not listed you may be unable to to business with Rockfordnepal
Neteller Topup Service in Nepal
The Best Way of payment in Nepal for casino & bet sites, At Any Time with NETELLER.!
Instant Exchange PayPal, Payza, Neteller, Okpay and Skrill!
One of the best e-currency exchange in Nepal.!
Get your Mastercard !
Innovative payment solutions for a borderless world..
Basic transaction fees are as advertised.
Fees
Signup/Account Establishment Fee: There is a one-time set-up fee of $49 USD.
Transaction Fees:
Rie applies a 5.5% commission on each transaction, plus a $0.45 USD charge per transaction.
Additional Penalties and Fees:
If you elect to pay the sign up fee via the check or PayPal method and we do not receive the funds, a manual adjustment can be made for the $49.00 USD plus a $25.00 USD manual processing fee from the current balance on the account.
Depending upon your funding selection, you can experience wire transfer costs. Additional fees can be applied for unsuccessful funding transfers, should the information provided to 2CO prove to be erroneous.
Should you elect to be paid by check, and fail to receive one via first-class mail, you can elect to pay applicable stop-payment fees in order to have the payment reissued in advance.
Chargeback (Bank Assisted Dispute) experience can also result in fees passed along to you. We strongly encourage all contracted suppliers to assist in combating credit card fraud in order to minimize or eliminate fees of this type. Fees can vary depending upon utilization experienced by various suppliers.
Signup/Account Establishment Fee: There is a one-time set-up fee of $49 USD.
Transaction Fees:
Rie applies a 5.5% commission on each transaction, plus a $0.45 USD charge per transaction.
Additional Penalties and Fees:
If you elect to pay the sign up fee via the check or PayPal method and we do not receive the funds, a manual adjustment can be made for the $49.00 USD plus a $25.00 USD manual processing fee from the current balance on the account.
Depending upon your funding selection, you can experience wire transfer costs. Additional fees can be applied for unsuccessful funding transfers, should the information provided to 2CO prove to be erroneous.
Should you elect to be paid by check, and fail to receive one via first-class mail, you can elect to pay applicable stop-payment fees in order to have the payment reissued in advance.
Chargeback (Bank Assisted Dispute) experience can also result in fees passed along to you. We strongly encourage all contracted suppliers to assist in combating credit card fraud in order to minimize or eliminate fees of this type. Fees can vary depending upon utilization experienced by various suppliers.
Now a faster, easier way to get paid using mastercard in nepal
The time is here! I know that you have all been waiting patiently, and now all of your questions can be answered. I think that you will find that using Payoneer is a lot easier than you thought it would be. Today is July 11th and Payoneer has been added as a payment method. As soon as payments have finished running, the wizard will be unlocked and you will be able to sign up with Payoneer.
All you have to do is go into the banking wizard. The first two pages will be the regular information that you are already familiar with, on the third page you will have the option to sign up with Payoneer. Once you have signed up with Payoneer, you will be redirected to the rockfordnepal.com.np wizard where you will have to click on the button that says that you wish to be paid using the Payoneer card. You do not have to do this right away; you can continue being paid by a prior method until you have received your card. This card is available to all vendors worldwide!
This is a new and exciting option, and rockfordnepal.com.np along with Payoneer are very happy to be able to offer this option to you.
:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Rockfordnepal.com.np
Now a faster, easier way to get paid – the Rie reloadable MasterCard®.
Have your future payments loaded to your Rie reloadable MasterCard®. Why wait for a check to come by mail, and then wait again for it to clear a bank?
It’s fast, secure and offers you the most flexibility with your money.
All you have to do is go into the banking wizard. The first two pages will be the regular information that you are already familiar with, on the third page you will have the option to sign up with Payoneer. Once you have signed up with Payoneer, you will be redirected to the rockfordnepal.com.np wizard where you will have to click on the button that says that you wish to be paid using the Payoneer card. You do not have to do this right away; you can continue being paid by a prior method until you have received your card. This card is available to all vendors worldwide!
This is a new and exciting option, and rockfordnepal.com.np along with Payoneer are very happy to be able to offer this option to you.
:::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::Rockfordnepal.com.np
Now a faster, easier way to get paid – the Rie reloadable MasterCard®.
Have your future payments loaded to your Rie reloadable MasterCard®. Why wait for a check to come by mail, and then wait again for it to clear a bank?
It’s fast, secure and offers you the most flexibility with your money.
- Log into your Rockfordnepal vendor account, open the banking wizard, and select the Rie reloadable MasterCard® powered by Payoneer.
- Complete the sign-up process for your card, and Payoneer will mail a card to you.
- Once you receive your card, log back into your 2Checkout account and mark the box that says “Click to indicate you have a Payoneer account with 2Checkout and want to use it as your payment method”.
Benefits for Suppliers:
#No bank account or credit check required.
#Receive funds faster and enjoy immediate access to your funds
#View your account, payments, balance and transaction history online, 24/7.
#Make purchases and withdraw cash in local currency from any point of sale or ATM worldwide that accepts MasterCard®.
#The money on your card is MasterCard® protected even if your card is lost or stolen. #Payoneer will ship you a replacement card and transfer your balance to your new card. Note: transactions requiring your PIN are not refundable.
a better place to do business.
We are very excited to offer you a new payment method that will help you manage your funds.
Paypal account for online job or ebusiness
PayPal is an ePayment, storage and money transfer method in the world which is operated by PayPal Inc.and eBay Inc. Founded in 2000 PayPal was one of the first and currently is one of the most popular online services for money transferring to get paid to iBussiness and ebusiness. Although internet and electronic are account balance associated with each PayPal account, PayPal doesn't employ virtual currency units (unlike e-gold and WebMoney), remaining a pure payment system.
PayPal accounts are anonymous and are based on the customer's e-mail ids address. But the credit card and debit mastercard is required to add the funds into the balance or send payments to other customers to paying in the internet world.
PayPal charges fees for receiving funds and for withdrawing funds from the account balance to the bank accounts outside U.S and india to the world but in nepalese people is using an acount from india. The sender of the funds doesn't pay any fees if transfer occurs only inside the payment system which is mostly used for Paypal account for online job or ebusiness.
PayPal is a convenient electronic payment system to use with the Forex exchange and forex brokers. Because all payments are instant, you can use your credit card without exposing it to anyone except PayPal and there are enough various brokers that accept PayPal for funding purposes. Unfortunately, PayPal doesn't allow residents of certain countries (the majority of the countries) to accept PayPal payments, making it useless to the Forex traders from such countries like nepal can use this Paypal account for online job or ebusiness users in the world. we can use like mastercard as paypal. Here is the short list of the Forex brokers in ptc and ppc site like bidbertiser and many more that accept PayPal:
AvaFX Insta Forex
PayPal accounts are anonymous and are based on the customer's e-mail ids address. But the credit card and debit mastercard is required to add the funds into the balance or send payments to other customers to paying in the internet world.
PayPal charges fees for receiving funds and for withdrawing funds from the account balance to the bank accounts outside U.S and india to the world but in nepalese people is using an acount from india. The sender of the funds doesn't pay any fees if transfer occurs only inside the payment system which is mostly used for Paypal account for online job or ebusiness.
PayPal is a convenient electronic payment system to use with the Forex exchange and forex brokers. Because all payments are instant, you can use your credit card without exposing it to anyone except PayPal and there are enough various brokers that accept PayPal for funding purposes. Unfortunately, PayPal doesn't allow residents of certain countries (the majority of the countries) to accept PayPal payments, making it useless to the Forex traders from such countries like nepal can use this Paypal account for online job or ebusiness users in the world. we can use like mastercard as paypal. Here is the short list of the Forex brokers in ptc and ppc site like bidbertiser and many more that accept PayPal:
AvaFX Insta Forex
Easy Forex
To open account with PayPal
visit: http://www.googlepath.tk/
Presented by: Gombu Tsiring Sherpa
Free Prepaid Mastercard card, ATMs Card, Visa Card For Nepal
Hey Guys,
My Dear Nepalese Friends, (This is frist Time in NEPAL "Free Mastercard card, ATMs Card, Visa Card")
I Got This Offer, and sharing with all of you that u can get free Mastercard ( Can You Beleive...it ???).
But In Fact, It is the truth... Here I Give You The Chance to Get Your Free Mastercard and You Can Load Money and it can be cashed at Mastercard Atms available in NEPAL, and In Kathmandu from different 17 atm counters, u can take the money once it is loaded.
First Step: To Get Your Money... To Make Some Revenues.....
Click Here
Frist STEP=>
You will see a screen...
Click Join Now Button...
Then Fill Up Your Profile.....
You are Done and Login your email for PASSWORD....
Second Step:=>
Then You will find a option for application for affilliation... apply there
you will get a code... you refer a friend you will get 2.0$ each.
Third Step:=>
Again you will get a link to apply for a free mastercard... apply it.
whatever you get in your account, it will be loaded in the mastercard and you can make cash in Nepal....
Rockford International Education (P.) LTD.
Chabahil-7, Kathmandu
Phone no.00977-14484949
Email: rockfordnepal@gmail.com
SOuce:googlepath
My Dear Nepalese Friends, (This is frist Time in NEPAL "Free Mastercard card, ATMs Card, Visa Card")
I Got This Offer, and sharing with all of you that u can get free Mastercard ( Can You Beleive...it ???).
But In Fact, It is the truth... Here I Give You The Chance to Get Your Free Mastercard and You Can Load Money and it can be cashed at Mastercard Atms available in NEPAL, and In Kathmandu from different 17 atm counters, u can take the money once it is loaded.
First Step: To Get Your Money... To Make Some Revenues.....
Click Here
Frist STEP=>
You will see a screen...
Click Join Now Button...
Then Fill Up Your Profile.....
You are Done and Login your email for PASSWORD....
Second Step:=>
Then You will find a option for application for affilliation... apply there
you will get a code... you refer a friend you will get 2.0$ each.
Third Step:=>
Again you will get a link to apply for a free mastercard... apply it.
whatever you get in your account, it will be loaded in the mastercard and you can make cash in Nepal....
Rockford International Education (P.) LTD.
Chabahil-7, Kathmandu
Phone no.00977-14484949
Email: rockfordnepal@gmail.com
SOuce:googlepath
what Obama said about Human swine flu virus
Human Swi
ne Flu (H1N1 Flu Virus ) has been reported in Canada, Mexico and the United States and several other countries in Europe and the South Pacific isreal and korea but now save land is only nepal for tourist. The Pu
blic Health Agency of Canada (PHAC) is working collaboratively with Mexican and American officials to further investigate this situation.
Governments around the world and the World Health Organization (WHO) are engaged to investigate and address this situation.
Cases of H1N1 Flu Virus (Human Swine Flu) have been reported in Canada.
PHAC continues to work with federal, provincial and international governments to address this situation, and will share more information with Canadians as it becomes available. The obama said about h1n1 flu virus using youtube video .......... now everyone can see the video from my blog.
ne Flu (H1N1 Flu Virus ) has been reported in Canada, Mexico and the United States and several other countries in Europe and the South Pacific isreal and korea but now save land is only nepal for tourist. The Pu
blic Health Agency of Canada (PHAC) is working collaboratively with Mexican and American officials to further investigate this situation.Governments around the world and the World Health Organization (WHO) are engaged to investigate and address this situation.
Cases of H1N1 Flu Virus (Human Swine Flu) have been reported in Canada.
PHAC continues to work with federal, provincial and international governments to address this situation, and will share more information with Canadians as it becomes available. The obama said about h1n1 flu virus using youtube video .......... now everyone can see the video from my blog.
Human Swine Flu is not transmitted through pork meat. Continue to follow proper handling and cooking procedures to reduce the risk of foodborne illnesses........ see once again about swine flu virus with the voice of barackobama. Nepal is not secure for the flu virus,,,,,,,,,,,,,, what prachanda said about swine flu virus ???? nothing maybe he doesn't know about the flu....
.
.Since most of the people who have become ill have not been in direct contact with pigs, we know that the virus has spread from person to person.
More investigation is needed on how easily the virus spreads between people, but it is believed that it is spread the same way as regular seasonal influenza.
Influenza and other respiratory infections are transmitted from person to person when germs enter the nose and/or throat. Coughs and sneezes release germs into the air where they can be breathed in by others. Germs can also rest on hard surfaces like counters and doorknobs, where they can be picked up on hands and transmitted to the respiratory system when someone touches their mouth and/or nose.Different strains of influenza are commonly circulating in our environment, including strains that can cause illness in humans, birds and pigs.
More investigation is needed on how easily the virus spreads between people, but it is believed that it is spread the same way as regular seasonal influenza.
Influenza and other respiratory infections are transmitted from person to person when germs enter the nose and/or throat. Coughs and sneezes release germs into the air where they can be breathed in by others. Germs can also rest on hard surfaces like counters and doorknobs, where they can be picked up on hands and transmitted to the respiratory system when someone touches their mouth and/or nose.Different strains of influenza are commonly circulating in our environment, including strains that can cause illness in humans, birds and pigs.
The Public Health Agency advises Canadians to:
Wash hands thoroughly with soap and warm water, or use hand sanitizer
Cough and sneeze in your arm or sleeve
Get your annual flu shot
Keep doing what you normally do, but stay home if sick
Cough and sneeze in your arm or sleeve
Get your annual flu shot
Keep doing what you normally do, but stay home if sick
above line is for protect yourself from swine flu virus who know what happen tomorrow so take care yourself and forward this message and the video of obama's message to the world for save.
say save the world from swine flu so dear all reader of this blog forward this site or blogs to yours friends curcle. Have a great life and see you with save from the swine flu world.
The Best Methodology For Novices For Seeking Big Gains Quickly
If you want to get started as a forex trader, forex swing trading is the perfect place to start and is one of the easiest methodologies for novices to start with. You can soon put together a system and be making big profits in just 30 minutes a day... The reason it's so good for novices is, it requires less patience and discipline than long term trend following, as you get plenty of action and profits and losses come quickly. Many novice traders try forex scalping or day trading - but these short term methods of trading don't work, as all volatility is random. Swing trading is the only short term method you should consider, as the time period is long enough to get the odds on your side. The Aim of Swing Trading Swing trading typically catches moves that last from a couple of days to a week and is designed to swing trade into overbought and oversold levels. To swing trade you first need to understand support and resistance, then target levels where prices are becoming overbought or oversold and get ready to trade. To do this, you should also understand volatility and using the Bollinger Band to measure overbought and oversold levels is an essential tool. Once you have spotted a potential overbought or oversold scenario, with prices coming into resistance or dipping to support, its time to look to execute your trading signal. Confirming Trading Signals Never buy into support or sell into resistance and hope levels hold, wait until they have so you are not predicting, you wont win if you predict, as this is really hoping or guessing. For this you need to become familiar with momentum oscillators and there are many to choose from. We like the stochastic and the Relative Strength Index (RSI(, both are visual indicators and you can learn them in 30 minutes or less. They will give you clues to changes of momentum and then when they do, you can use them to time your entry into the market. Stops Stops are easy once you are in the trend, you can simply place your stop behind the resistance or support you are trading into. Taking Profits With swing trading profits can disappear quickly, so you need to take them early. Take them before the next level of resistance or support is tested. By getting out early, you avoid the problem of a counter trend which can eat into your profit. Forex swing trading is an excellent method for novice traders and simply requires an understanding of volatility, support and resistance and momentum. This does not take long to learn furthermore, you get plenty of action and never have to sit on a big open profit and all the discipline this entails. Swing trading is simple, fun and can be very profitable. It's simple to understand and easy to build a robust forex swing trading system. If you are new to forex trading consider swing trading, it's a great way to get started in the exciting world of forex trading.
NEW! 2 X FREE ESSENTIAL TRADER PDFS ESSENTIAL FOREX TRADING COURSE For free 2 x trading Pdf's, with 50 of pages of essential info on Forex Swing Trading visit our website at:
NEW! 2 X FREE ESSENTIAL TRADER PDFS ESSENTIAL FOREX TRADING COURSE For free 2 x trading Pdf's, with 50 of pages of essential info on Forex Swing Trading visit our website at:
Learning Forex Trading Secrets
Learn forex trading secrets and strategies. Be a forex broker of your own. Learn Forex trading by starting with time; learn everything that pertains to this quickly changing market so that success is just a trade away. There is the potential to earn unlimited income once a significant margin account is built up but as with anything, skipping the training step will put you in a snake pit unprotected.Foreign exchange market, or forex as it is commonly called, is an international exchange market to buy and sell different currencies from around the world. An investor has the ability to buy and sell these currencies in order to create gains from small movements in the value of one currency over another. Foreign exchange trading involves buying and selling different currencies. It works on the theory that is similar with share market.Market conditions may adversely affect order execution. Past performance is not indicative of future results. Market bytes live is just like being on the trading floor of a foreign currency exchange. You learn to analyze the forex market from before the london opening and then capitalize and profit on the moves once the markets are running.Simple and easy to understand, and - the most important thing - I earn money this way. This really is a very good system. Simply said, without a centralized authority, there is no single governing authority that can safeguard the interest of foreign exchange traders.Traders agree to consult with a registered investment advisor prior to making any trading decisions. daytrading university, forexonfire.com and affiliates are limited to publishing impersonal trading-related information that reflects the publisher's personal trading strategies. Traders do not take positions on a currency-pair at the exact rate at which the currencies are trading. Instead, there are two rates for the currency-pair: the bid-rate and the ask-rate. Traders and investors have always dreamed of a magical formula ; trading secrets enabling them to beat the market and reap huge profits. For example, you will find out there: black boxes or secretive computer systems where the rules are hidden.Forex trading is risky business with the potential for substantial losses. No representation is being made that any account will or is likely to achieve results, profits or losses similar to those shown on our site. Forex trading is something that many people to not understand. While they hear of the dollar fluctuation, they never quite understand the process or what it means. Forex trading is like bird watching in lion country. If you don't know what you are doing you end up being someone else's meal.
E-Loan, Students, Homes, Auto, Logding and Fooding
Buying A Home
Buying a home is one of the biggest investments you will ever make. In addition to finding the right home at the right price, you also need to find the right financing.
Whether you are a first-time homebuyer or a seasoned investor, finding the right loan can be a difficult process. Where should you start? What is the right loan for me? Who has the best rates?
Find the Right Loan
The right loan for you will often vary based on your particular situation and your financial goals. There are many loan options available:
Fixed rate loans - Lock in a low fixed rate that is guaranteed to never change. Popular terms include 15, 20, 30, and 40-year loans.
Adjustable rate loans - Flexible loan terms for your short-term goals.
Low down payment loans - Buy property with less than 20% down.
FHA loans -Guaranteed by the government, FHA loans offer low down payment options and more flexible guidelines than traditional mortgages.
Vacation and investment loans -Loans specialized for the mortgage investor.
Compare Lenders and Rates
We make it easy to compare home purchase rates and save. Complete a simple online form and be matched with competing
Posted by GOmbu Tsiring Sherpa
Buying a home is one of the biggest investments you will ever make. In addition to finding the right home at the right price, you also need to find the right financing.
Whether you are a first-time homebuyer or a seasoned investor, finding the right loan can be a difficult process. Where should you start? What is the right loan for me? Who has the best rates?
Find the Right Loan
The right loan for you will often vary based on your particular situation and your financial goals. There are many loan options available:
Fixed rate loans - Lock in a low fixed rate that is guaranteed to never change. Popular terms include 15, 20, 30, and 40-year loans.
Adjustable rate loans - Flexible loan terms for your short-term goals.
Low down payment loans - Buy property with less than 20% down.
FHA loans -Guaranteed by the government, FHA loans offer low down payment options and more flexible guidelines than traditional mortgages.
Vacation and investment loans -Loans specialized for the mortgage investor.
Compare Lenders and Rates
We make it easy to compare home purchase rates and save. Complete a simple online form and be matched with competing
Posted by GOmbu Tsiring Sherpa
A bank of PERSONAL Injury LAW
New York has a No Fault law that applies to injuries from car accidents that limits the rights of people to bring suit unless they have a "serious injury." And my upstate colleague Jim Reed at ZiffLaw described a fundamental problem with that law, via an email exchange with a prospective client: If you are lazy and "milk" the injury, you qualify to bring suit under New York's statute, but if you struggle back to work, and work despite the pain and limitations you might have, you don't qualify. The "serious injury" law, in other words, works as an incentive for people to be lazy and complain instead of being as productive as they can.This problem arises because, under New York's No-Fault Law, one can only bring a suit after an auto accident if the "serious injury" fits one of these definitions:
A personal injury that results in death;
Dismemberment;
A significant disfigurement;
A fracture;
The loss of a fetus;
Permanent loss of use of a body organ, member, function or system;
Permanent consequential limitation of use of a body organ or member;
Significant limitation of use of a body function or system; or
A medically determined injury or impairment of a non- permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person's usual and customary daily activities for not less than ninety days during the one hundred eighty days immediately following the occurrence of the injury or impairment" (See, for example, Oberly v. Bangs Ambulance; Insurance Law § 5102 [d]).This significant restriction on bringing suit was a trade-off for the guaranteed health benefits of the No-Fault Law that started in 1973 and was amended in 1977 to the present formulation. But it also works in the counter-productive manner of encouraging people to stay home and not work. And that makes for bad public policy.It also means that a fractured pinky that heals in a few weeks would qualify as "serious" under the law, but soft tissue back pain that lasts for years might not, especially if objective results don't turn up on radiological studies or the physician does a poor job documenting the injury and the specifics of the limitations.It is this conundrum that brings up the problem with "medical mills" that some folks complain about. In order to document the injury properly, one needs physicians who are familiar with the legal requirements of satisfying a statute that includes a "significant limitation of use of a body function or system." That may not be the type of language that doctors learn in medical school or the way they were taught to make their medical records, creating a problem and cottage industry of those doctors who will document the way the legislature wants, and who will also find the time to testify in court.And it brings yet another problem: Treating doctors may need to exaggerate certain claims of the patient to fit into legislatively defined categories in order to keep the tap open from the insurance company that is paying the bills, because the real injuries may not qualify. And the insurance company, by contrast, as an incentive to hire "independent" doctors to check the patient and rig the exams to show no injuries to close down the tap, even if the injuries are real. In fact, this is the subject of two lawsuits that have been brought in New York, that are discussed here:
State Farm Hit With Civil RICO Claim Over Sham Medical Exams
Allstate Slammed With RICO Charge Over Sham Medical ExamsNow some of these problems will exist anyway, even without the statutory framework. But it seems to me that the statute has exaggerated the problem, and it may be time for New York to revisit the subject to clean things up.
posted by GTsherpa
Comments:
Eric, you write "Treating doctors may need to exaggerate certain claims of the patient to fit into legislatively defined categories in order to keep the tap open from the insurance company that is paying the bills, because the real injuries may not qualify." When you say "exaggerate," don't you mean "lie?" And if not what is the difference?And what about the people who have minor aches and pains from an auto accident and go to a "mill," which might even provide transportation, just to be checked out and then end up being referred to an in-house or closely related physical therapist, chiropractor, acupuncturist, psychologist, etc. and then have MRIs, CATs and EMGs for no apparent real purpose, for what amount to a few aches and pains. Don't you think this is a rip-off of the system?
A personal injury that results in death;
Dismemberment;
A significant disfigurement;
A fracture;
The loss of a fetus;
Permanent loss of use of a body organ, member, function or system;
Permanent consequential limitation of use of a body organ or member;
Significant limitation of use of a body function or system; or
A medically determined injury or impairment of a non- permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person's usual and customary daily activities for not less than ninety days during the one hundred eighty days immediately following the occurrence of the injury or impairment" (See, for example, Oberly v. Bangs Ambulance; Insurance Law § 5102 [d]).This significant restriction on bringing suit was a trade-off for the guaranteed health benefits of the No-Fault Law that started in 1973 and was amended in 1977 to the present formulation. But it also works in the counter-productive manner of encouraging people to stay home and not work. And that makes for bad public policy.It also means that a fractured pinky that heals in a few weeks would qualify as "serious" under the law, but soft tissue back pain that lasts for years might not, especially if objective results don't turn up on radiological studies or the physician does a poor job documenting the injury and the specifics of the limitations.It is this conundrum that brings up the problem with "medical mills" that some folks complain about. In order to document the injury properly, one needs physicians who are familiar with the legal requirements of satisfying a statute that includes a "significant limitation of use of a body function or system." That may not be the type of language that doctors learn in medical school or the way they were taught to make their medical records, creating a problem and cottage industry of those doctors who will document the way the legislature wants, and who will also find the time to testify in court.And it brings yet another problem: Treating doctors may need to exaggerate certain claims of the patient to fit into legislatively defined categories in order to keep the tap open from the insurance company that is paying the bills, because the real injuries may not qualify. And the insurance company, by contrast, as an incentive to hire "independent" doctors to check the patient and rig the exams to show no injuries to close down the tap, even if the injuries are real. In fact, this is the subject of two lawsuits that have been brought in New York, that are discussed here:
State Farm Hit With Civil RICO Claim Over Sham Medical Exams
Allstate Slammed With RICO Charge Over Sham Medical ExamsNow some of these problems will exist anyway, even without the statutory framework. But it seems to me that the statute has exaggerated the problem, and it may be time for New York to revisit the subject to clean things up.
posted by GTsherpa
Comments:
Eric, you write "Treating doctors may need to exaggerate certain claims of the patient to fit into legislatively defined categories in order to keep the tap open from the insurance company that is paying the bills, because the real injuries may not qualify." When you say "exaggerate," don't you mean "lie?" And if not what is the difference?And what about the people who have minor aches and pains from an auto accident and go to a "mill," which might even provide transportation, just to be checked out and then end up being referred to an in-house or closely related physical therapist, chiropractor, acupuncturist, psychologist, etc. and then have MRIs, CATs and EMGs for no apparent real purpose, for what amount to a few aches and pains. Don't you think this is a rip-off of the system?
Personal Injury Attorneys in New York City
If you’re reading this, there’s a good chance that you’ve been injured in an accident, and you’re worried and looking for the best answers. You may be out of work and concerned about keeping up with your bills. You may have even consulted with other New York City personal injury attorneys who are considered the best. In a situation where the stakes are so high, it can be tough to know who you can trust.
Everything seems like a sales pitch. But the truth is, you need the advice of an experienced personal injury trial lawyer in New York who can manage all facets of your case, from litigation to settlement and your workers’ compensation claim if you have one. Our case experience includes construction accidents (ladder fall, scaffold, crane), medical malpractice, slip & fall, automobile accidents, premises liability, false arrest, and any on the job workers’ compensation.
You can’t turn back the clock and avoid your accident. But you can make decisions now that will affect the course of your personal injury lawsuit and your life.
I’ve spent years doing my best to help people just like you. I’ve seen personal injury and construction accident cases of all kinds. My name is David Perecman, and I’m here to help you and your family.
If you’re reading this, there’s a good chance that you’ve been injured in an accident, and you’re worried and looking for the best answers. You may be out of work and concerned about keeping up with your bills. You may have even consulted with other New York City personal injury attorneys who are considered the best. In a situation where the stakes are so high, it can be tough to know who you can trust.
Everything seems like a sales pitch. But the truth is, you need the advice of an experienced personal injury trial lawyer in New York who can manage all facets of your case, from litigation to settlement and your workers’ compensation claim if you have one. Our case experience includes construction accidents (ladder fall, scaffold, crane), medical malpractice, slip & fall, automobile accidents, premises liability, false arrest, and any on the job workers’ compensation.
You can’t turn back the clock and avoid your accident. But you can make decisions now that will affect the course of your personal injury lawsuit and your life.
I’ve spent years doing my best to help people just like you. I’ve seen personal injury and construction accident cases of all kinds. My name is David Perecman, and I’m here to help you and your family.
Happy Getting free YAHOO Domains
Yahoo Domains is great. I have had an amazing experience using Yahoo to register and maintain my dot com domain name. Before I had my website, I was looking at the elements I needed to get started and wanted to make all of the best selections in terms of the best registrar, website hosting, and design.
I did not want to cut any corners so I did my research before I chose Yahoo Domains. I looked at other companies, what they offered, and the kind of support they would give after the sale. I, of course, also considered the price point as a factor before I made my selection.
Price isn't everything, though. Yahoo is not the most expensive, but it's also not the least expensive in terms of registrars out there. However, they do have the greatest value; at least that was my conclusion after I researched the other popular registrars on the market today.
Yahoo does more than basic, even with their lowest price domain registration. That is why I like Yahoo Domains. Other companies the offered lower prices than Yahoo did not tend to include as much as Yahoo did with even their basic domain registration.
Yahoo Small Business of course has lots of options for your small business, including website building and things of that nature. Some of these tools and support are included with all of their packages, but some of them are only in the upgrade (higher priced) type packages.
Having these options is what really did it for me. I did not want to be limited to basic domain registration. I wanted the extras and I wanted Yahoo's world class service and support that they have been known for through the years. This way, when trouble strikes, I won't be left feeling helpless. I will get the help I need in a short period of time and with dependable results
I did not want to cut any corners so I did my research before I chose Yahoo Domains. I looked at other companies, what they offered, and the kind of support they would give after the sale. I, of course, also considered the price point as a factor before I made my selection.
Price isn't everything, though. Yahoo is not the most expensive, but it's also not the least expensive in terms of registrars out there. However, they do have the greatest value; at least that was my conclusion after I researched the other popular registrars on the market today.
Yahoo does more than basic, even with their lowest price domain registration. That is why I like Yahoo Domains. Other companies the offered lower prices than Yahoo did not tend to include as much as Yahoo did with even their basic domain registration.
Yahoo Small Business of course has lots of options for your small business, including website building and things of that nature. Some of these tools and support are included with all of their packages, but some of them are only in the upgrade (higher priced) type packages.
Having these options is what really did it for me. I did not want to be limited to basic domain registration. I wanted the extras and I wanted Yahoo's world class service and support that they have been known for through the years. This way, when trouble strikes, I won't be left feeling helpless. I will get the help I need in a short period of time and with dependable results
posted by:Gombu Tsiring Sherpa(sfamilygt)
Once you have decided that you want to have your own website on the internet its important that you choose a yahoo domain name that accurately represents what you plan to use it for and what extra features you need to get the most out of it.With over 80 million registered domains on the internet its becoming harder and harder to find relevant yahoo domain names that are available which are related to the topic you want to target, especially for .com domain names which are by far the most popular. For this reason there are now many other types of yahoo domain names which you can choose from such as .net and .info.The first thing you will need to do is visit a website such as Yahoo and start searching for available .com domain names using the search feature. As most names are already taken you will probably need to use three or more words to find one that is available (you can also use hyphens between each word to find available names).Because people are familiar with .com domains you should start searching for them first but its not absolutely necessary and you can find a much shorter name using a different extension such as .net or .info. The extension of your yahoo domain will not effect the performance of your website or how well it operates.If you want to generate free traffic from the search engines and achieve top rankings you should try to use keywords that you want to target in your domain name. So if you want to start a website about losing weight you should try to use words like "weight loss" or "diet" in the domain name to help your rankings in the search engines for those keywords.Just having a popular keyword in your yahoo domain name is not enough to achieve top rankings but it will help the search engines identify what your website is about so its important that you include at least one keyword that relates to the market you want to target if you want to generate free traffic in the future.When you have found a yahoo domain name for your website you should seriously consider adding the private registration option to your order. This will protect your domain from unwanted attention by hiding your personal details such as your email address which could be collected by spammers.After you have purchased a yahoo domain name you will need to find a website hosting plan that suits your needs and meets your requirements depending on how much disk space and data transfer you need. Once you have a hosting account you can set up your website and have it up and running within a matter of hours.
Assurance Plan
About Assurant Health
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.
Our Beliefs
Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers.
Size, Stability, Strength
Assurant Health is a leader in the individual medical health insurance market.
Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
Assurant Health's underwriting companies are among the leading independent providers of health insurance to small businesses, individuals and their families, with almost one million covered lives.
Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of HSAs.
Assurant Health has developed a portfolio of Health Reimbursement Arrangements (HRAs) for small businesses.
Assurant Health's legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).
Source: A.M. Best Ratings and Analysis, June 2008.
Assurant, Inc.
Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses – Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property – have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide.Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $25 billion in assets and $8 billion in annual revenue. Assurant has more than 15,000 employees worldwide and is headquartered in New York's financial district.
Short Term Medical Plans
If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate, seasonal employee, early retiree or are waiting for Medicare to start, you may be interested in Assurant Health's Short Term Medical insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30-360 days.** Assurant Health is the national leader in Short Term Medical (STM) insurance. In fact, Assurant Health introduced the industry's first Short Term Medical plan in 1973.
Student Medical Plans
Student Select is health insurance designed for today's undergraduate and graduate college students. This plan is ideal for single students no longer covered under their parents' health plan, if they live outside their parents' HMO or PPO area, or are considering a college-sponsored plan.
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage for almost one million people nationwide. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.
Our Beliefs
Assurant Health is built on the cornerstone of consumer choice — providing ongoing flexibility and choices in health insurance financing solutions as well as choice of providers. With more than 200,000 local agents that are dedicated to supporting their customers. Assurant Health has a reputation of integrity in honoring its commitments to customers.
Size, Stability, Strength
Assurant Health is a leader in the individual medical health insurance market.
Assurant Health's underwriting companies are among the top sellers of temporary health insurance in the U.S.
Assurant Health's underwriting companies are among the leading independent providers of health insurance to small businesses, individuals and their families, with almost one million covered lives.
Assurant Health was one of the first to introduce Health Savings Accounts, and its companies continue to be top sellers of HSAs.
Assurant Health has developed a portfolio of Health Reimbursement Arrangements (HRAs) for small businesses.
Assurant Health's legal entities, Time Insurance Company and John Alden Life Insurance Company, have each been assigned an A.M. Best rating of A- (Excellent). Union Security Insurance Company is rated A (Excellent).
Source: A.M. Best Ratings and Analysis, June 2008.
Assurant, Inc.
Assurant Health is part of Assurant, a premier provider of specialized insurance products and related services in North America and selected international markets. Its four key businesses – Assurant Employee Benefits, Assurant Health, Assurant Solutions and Assurant Specialty Property – have partnered with clients who are leaders in their industries and have built leadership positions in a number of specialty insurance market segments worldwide.Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has more than $25 billion in assets and $8 billion in annual revenue. Assurant has more than 15,000 employees worldwide and is headquartered in New York's financial district.
Short Term Medical Plans
If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate, seasonal employee, early retiree or are waiting for Medicare to start, you may be interested in Assurant Health's Short Term Medical insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30-360 days.** Assurant Health is the national leader in Short Term Medical (STM) insurance. In fact, Assurant Health introduced the industry's first Short Term Medical plan in 1973.
Student Medical Plans
Student Select is health insurance designed for today's undergraduate and graduate college students. This plan is ideal for single students no longer covered under their parents' health plan, if they live outside their parents' HMO or PPO area, or are considering a college-sponsored plan.
General Information
Q.When does my coverage begin?
A.If you are submitting your application by:
Internet using a credit card - The earliest your coverage can begin is the day following transmission, if all other eligibility criteria have been met. For example, if you submit your application online on March 16th, your coverage begins at 12:01 A.M. on March 17th. Dates of the 29th, 30th and 31st are not available.
All transmissions take place and are recorded based on the time and date in the Central Time Zone. For example, if you submit your application on-line at or after 10:00 P.M. on March 15th from a location in the Pacific Time Zone, the time of the transmission will be at or after 12:00 A.M. Central Time. The transmission date of your application will be March 16th.
Mail and writing a check - The earliest that your coverage can begin is the day following the U.S. Postal Service postmark, if all other eligibility criteria have been met. (If the envelope containing your application is not postmarked by the U.S. Post Office or if the postmark is not legible, coverage will begin the later of a) your requested date or b) two days prior to the date the application was received by Assurant Health.) Dates of the 29th, 30th and 31st are not available.
Coverage will take effect provided the following conditions are met: Your completed application and full premium payment are received by Assurant Health and you meet the requirement for acceptance.
Q. What is the definition of a pre-existing condition?
A. A pre-existing condition is an illness or injury for which the covered person received medical advice, diagnosis, treatment or services from a physician within the 12 month period prior to the covered person's effective date; or that produced signs or symptoms within the 12 month period prior to the covered person's effective date.
Q. How many times can the plan be renewed?
A. Student Select is renewable as long as you need it...and, of course, as long as the premiums are paid. This is important after graduation while looking for a job.
Q. When will I receive confirmation or acceptance of the application?
We will review the application for eligibility and check the submitted premium.
If you apply via the Internet, you will receive an email message with confirmation or acceptance of the application shortly after it is submitted. Your identification card and contract will be sent to the "correspondence address" indicated within approximately 72 hours of receipt.
If you print out the application and mail it to us, most eligibility determinations are made within 48 hours of receipt. If the application is complete and the full premium is paid, the identification card and contract will be sent to the "correspondence address" indicated within approximately 72 hours of receipt.
Please Note: If you are required to provide proof of insurance to your school, please submit the application at least two weeks before proof of coverage is needed.
Q. If I graduate or drop out of school, will I lose coverage?
A. No, your Student Select policy stays with you for as long as you need it and, of course, as long as premiums are paid.
Q. Will coverage be in jeopardy if I drop a class?
A. No, not as long as:
1) You met the definition of an eligible student on the date the application was signed.
2) You attended school full-time for 31 days after the policy effective date.
3) The premium is paid in full.
Eligibility
Q. Who is considered an eligible student?
A. An eligible undergraduate student is defined as a person carrying at least nine credit hours. An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status*. Students must attend a state-accredited college or university. Please check with your college or university to see if the school is listed in the 2001 Higher Education Directory. The student must be under the age of 30 and be able to answer "NO" to the medical questions on the application.
You must be a full-time student for a minimum of 31 days following the effective date of your policy.
* Assurant Health will accept the school's definition of full-time.
Q. Some schools operate on a quarterly schedule. Full-time undergraduate status is six to eight credits per term. Do I qualify for Student Select?
A. Yes. You should tell us in writing (attached to the application) that you are attending a school with a quarterly class schedule and are meeting the school's definition of full-time status.
Q. I am a foreign exchange student. Am I eligible for Student Select coverage?
A. Yes, as long as you meet the eligible student status requirement defined above.
Q. Can I add my family members (spouse and dependents) to my policy?
A. The Student Select plan is designed for individual college students only and does not cover spouses and/or dependents. Student Select does, however, comply with any state requirements for newborn coverage.
Q. When can I apply for a policy? I would like to apply now but won't be a student for another month?
A. You can apply as soon as you are enrolled to be an eligible student.
Q. How far in advance can I apply if requesting a later effective date? In other words, can I apply in July but request an effective date for September 1st when school begins?
A. Yes, but keep in mind the full premium must be paid with the application. The policy will be sent out as soon as it is issued. We would prefer that the application not be completed more than 60 days prior to the requested effective date.
Benefits
Q. Are there additional benefits available?
A. Maternity benefits are available in most states for an additional charge. Additional benefits such as psychiatric, substance abuse/mental illness, alcohol, and rehabilitation vary by state.
Q. Does the Student Select plan cover me when I go out of state?
A. The Student Select plan travels with you anywhere in the United States, its possessions and Canada. And, although it does not cover you in a foreign country, Student Select does cover you for an emergency medical evacuation to the home country or a facility operating within its laws.
Q. Are prescription drugs covered?
A. Prescribed drugs are covered if you are hospitalized as an inpatient. Since outpatient drugs are provided through most university health centers, they are not a covered benefit with Student Select. This helps keep the plan affordable.
Q. How often does the deductible start over?
A. With the Student Select plan, the deductible is a "calendar-year" deductible. This means it starts over again on the first day of each new calendar year. The Student Select plan includes a carryover deductible feature that looks at any covered charges you had in October, November or December of the previous year that goes toward meeting the deductible. We will carry over the full amount of these charges to the next year to help meet the new calendar-year deductible.
Preauthorization
Q. Is preauthorization required with a Student Select policy?
A. Yes. An authorization service is used which ensures you receive the most appropriate and cost effective care available. Trained staff work with you and your physicians to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your policy provides a toll-free number for easy access to this service. The authorization process must be followed in its entirety to receive maximum benefits. The policy explains the authorization process in detail. The number to call for Student Select preauthorization is 800-454-5105.
Payment Options
Q. What are my payment options?
A. You may select an annual or semi-annual payment mode. MasterCard and Visa are accepted.
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US Bank Account Facilities and Procedure
Online service as PayPal offer send checks emailed to you can that can cost anywhere from USD$ 5,00 to USD$ 30,00 which not a big deal if not for the charges that your local bank will take for the international deposit.
But the most important of all problems… the time.
It can take weeks or even months to see your money. Specially if you
sell occasionally and your payment service have a high minimum required
before send you the checks (PayPal require USD$ 150,00 plus USD$ 12,00
for mailing costs).Let’s face it.
- If you use PayPal or EBay to make some money occasionally. You need a US Bank Account.
- If you have, or want to have, clients in the U.S. You need a US Bank Account.
- If you want to make serious business in the Internet. You need a US Bank Account.
I don’t think this is the best way.
Open US bank Account for non US Residents:
Bank Name: Bank Of America, HSBC,Citibank
Routing: 0610000**
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Account Type: Checking
How to withdraw ?
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- The MasterCard can use to verify your PayPal account.
Receive payments through any of the following services:
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- You can withdraw your PayPal account Money via MasterCard!
Need to Apply ? your US bank Account:
- Passport scan copy of your identity or any others gov. authorize id card! Like driving license.
- Age above 18 years.
Please add on skype or fill up our contact form to contact and assist you with your request.
*Account opening is subject to approval based on local regulations and policies of country of application.
Now you can open US bank account and use to deposit in your account and
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