text:
Thursday, October 04, 2007
Swedish Cinnamon Buns
Today is National Cinnamon Bun Day!
When I announced this fact in my Daring Bakers post, many people asked me to share a recipe for Swedish cinnamon buns. And oh, you know, I just couldn't resist - of course I will! I took this opportunity to try out a new recipe from a new book on the Swedish market called "Bara Bullar". This translates into "Just Buns" and it's a whole book with only different bun recipes. Very nice! The author is Åsa Swanberg, and it's photographed beautifully by Wolfgang Kleinschmidt. It has tons of recipes that I want to make, but these ones were labeled as "the best cinnamon buns" and obviously I want to try the best first.
This recipe differs slightly from others I have used. First and foremost, it uses more yeast than others, and it has a pre-rise at a batter-like stage before it becomes a dough. It might sound fiddly, but it helped me get really light and fluffy buns, and I'd definitely do it again. The total rising time is no more than two hours anyway, so it's well worth it. The recipe calles for "raw sugar" which is here interpreted as demerara or possibly muscovado sugar. This gives the dough a slightly darker color, and a less intensely sweet taste - I like it!
You can use finely chopped or flaked almonds for the topping as well as the pearl sugar, but I made these for Per (and I) to take into work today, and as there are people with nut allergies there, I skipped them. The buns are delicious no matter what!
What makes these different from American cinnamon buns then? Well, while there are many recipes out there, I'll point out a few things. First - cardamom in the dough. Very important. Second, these are baked in a very hot oven for just a few minutes. This makes them light and fluffy, with a nice brown surface yet not dry or overbaked. Third, they're always baked in individual paper cups. (Bun cups - they're like slightly lower muffin cups.) Fourth, no glaze!
A few notes on the recipe. You might need a little more flour than stated. It's hard to give an exact amount, as it really depends on a lot of things, but the dough should be soft and never dry, but it shouldn't stick to your hands, either. Remember, you're going to roll this out, and you don't want it to stick to the rolling pin or whatever surface you're using. (You can use extra flour when rolling it out - but not a lot, or your buns will be tough.)
I don't have exact amounts for the filling - I just sprinkle on sugar and cinnamon until I have a fairly even amount on the whole dough. Don't worry, I'm sure you'll get it right, too.
Swedish Cinnamon Buns
based on a recipe from Bara Bullar of Åsa Swanberg
Makes 40
80 g fresh yeast
2 eggs
500 ml finger-warm milk (2 cups)
1 kg wheat flour
200 g demerara or muscovado sugar
150 g butter, softened
1 tsp salt
2 tsp cardamom
80 g butter, softened
demerara or muscovado sugar
1 egg, beaten with 1/2 tsp water, and a tiny pinch of salt
pearl sugar
Crumble the yeast into a bowl. Add some of the tepid milk, and stir until the yeast is dissolved. Add the rest of the milk, half of the flour and both of the eggs. Leave to proof, covered, for one hour.
Add the rest of the flour, the sugar, salt, cardamom and butter. Work into a smooth and silky dough. Here's when you might need a bit more flour. Transfer the dough to a clean bowl, cover and leave to proof for 30 minutes.
Divide the dough into two. Roll out each part to a large rectangle. Spread with butter, and sprinkle with sugar and cinnamon. Roll each rectangle into a tight roll, starting at the long edge, and cut each roll into about 20 pieces. Place each piece in a paper cup on a baking sheet (covered with parchment paper so you won't end up with a mess), cover and leave to proof for 30 minutes.
Beat the egg with a pinch of salt and 1/2 tsp of water, and brush this carefully on the buns. Finish by a light sprinkling of pearl sugar.
Bake at 250°C for 6-8 minutes, until they're as golden as you like them.
Recipe in Swedish:
Bästa kanelbullarna
44 comments:
- Anh said...
Beautiful buns! I can't wait to try this out. By the sound of it, I actually prefer this to the American version. I love cardamom, and don't really like the sweet glaze on the DB buns... Thanks for sharing!
- October 04, 2007 8:32 AM
- Karen Baking Soda said...
Ah...I like the sugar on top. Thanks for posting the recipe, fairly sure my kids wouldn't like the cardamom, last holiday in Sweden they learned pretty fast to ask in almost-swedish if there was any cardamon in the baked goods..
- October 04, 2007 8:44 AM
- Dagmar said...
How funny. I saved this recipe when it was published in Svenska Dagbladet last weekend as I wanted to try them out for today. But I still havn't decided if I'll bake any cinnamon rolls at all today. Were they better than "normal" Swedish ones?
Pre-rise stages are very common in Polish recipes, and I really like the result. - October 04, 2007 11:18 AM
- Amanda at Little Foodies said...
Makes 40! That won it for me straight away!!
- October 04, 2007 1:26 PM
- Kajal@aapplemint said...
I really like this recipe. Love how you've made then in cup cases, gr8 on presentation and yes the cardamon in the dough is also a ++. Found u thru Ahn's blog.
- October 04, 2007 2:03 PM
- Jeanne said...
Just the thought that I live in a world where a cinnamon bun day is possible makes me feel all warm and fuzzy :)
These buns look glorious and I love the idea of cardamom in the dough. Double yum! - October 04, 2007 2:51 PM
- slush said...
I am so jealous looking at these as I eat my cereal for breakfast. They look heavenly! My husband prefers no glaze for his buns too. This sounds right up his alley. Thanks!
- October 04, 2007 3:34 PM
- Sheltie Girl said...
I prefer my cinnamon rolls without glaze too. I love the idea putting cardamom in the dough. It sounds absolutely delicious. Thank you for baking cinnamon rolls again.
Sheltie Girl @ Gluten A Go Go - October 04, 2007 3:39 PM
- Deborah said...
I'm so glad you shared this recipe!! I really wanted to see the difference - now I need to make them so that I can taste the difference!
- October 04, 2007 5:03 PM
- Dori said...
National Cinnamon Bun Day!!! Now that's something I can celebrate! These look perfectly amazing!
- October 04, 2007 8:40 PM
- Shaun said...
Anne - I'm so glad that you decided to share with us a national favourite. I'm always really surprised to see cardamom in dough or in cakes, but I know it is a common ingredient in sweets in Scandinavia. In fact, I'm going to make Beatrice Ojakangas' recipe for Kardemummakaka just to satisfy my curiosity. Your cinnamon buns look beautful, and I'm glad you didn't eschew the raw sugar.
- October 04, 2007 11:40 PM
- Elle said...
Beautiful buns! Happy Cinnamon Bun Day!! I love that there is cardamom in the buns...it goes so well in baked goods, especially yeast ones. I also like the absence of glaze. Lovely photos, too.
- October 05, 2007 4:39 AM
- Julie said...
They look so nice! I hope you had a fabulous bun day. =)
- October 05, 2007 9:00 AM
- Lennart Nilsson said...
Tasted Great!
- October 05, 2007 6:11 PM
- Anne said...
Thanks Anne for the recipe. I would really love to try this when I do get the time. They are simply lovely :)
- October 06, 2007 10:13 AM
- Shayne said...
these look very nice. I don't know what demerara or muscovado sugar is (I will google it in a moment) but I think that I will try this recipe sometime soon. It looks as if last months DBer recipe has people warming their buns.
- October 06, 2007 4:29 PM
- eatme_delicious said...
I'm very intrigued by these cinnamon buns! Thanks for posting the recipe. :) I definitely want to try making them.
- October 07, 2007 9:10 AM
- Honeybee said...
Dear Anne
I made the buns according to your recipe last friday and they turned out very nice - thank you! Just one thing: they dried out really quickly - do you have any idea why? Are they simply meant to be eaten super-fresh (which isn't a problem). Or was it maybe due to the climate (dry, central-heated air, very cold and dry outside). Any tips would be highly appreciated!! - February 04, 2008 8:11 AM
- Anne said...
Honeybee - oh, hard to say! They are best eaten fresh, but they should certainly keep for a few days, in a plastic bag or box. I usually stash mine in the freezer right away though, and then just de-frost some in the microwave.
- February 04, 2008 8:39 AM
- Honeybee said...
Good idea, I'll freeze some the next time, too! Thank you!
- February 05, 2008 8:49 AM
- charlies_chariot said...
I made them on Tuesday, today (Saturday) the last ones were demolished. 'Refreshed' them this morning in the oven and they came out as fresh as the day I've baked them. Nice, soft and very easy to make. Had stored them in a plastic container, not even in the fridge.
I didn't have any fresh yeast, so I used dry instead. It worked just fine. Instead of making 40 of the same kind, I ended up filling half the dough with margarine, sultanas, ground hazelnuts, marzipan, cinnamon & cardamon.
I found your recipe while googling for 'Swedish Bullar' - after remembering the ones we always had on our summer holidays in Sweden during my childhood. These tasted just like it - yummy! Thank you for sharing! - April 05, 2008 12:31 PM
- Lena said...
Charlies chariot, that sounds delicious! I'm so glad they worked out :)
- April 05, 2008 7:46 PM
Hi Anne,
Can I I use bread flour for this recipe? - April 17, 2008 10:16 AM
- Anne said...
Yu Ting - I'm not sure what you mean by bread flour. I use normal wheat flour - the same kind that I use for bread - but I think that some countries have a different way of labeling flours, so it's a bit hard to say.
- April 17, 2008 10:24 AM
Oh..over in Singapore we do not have flour labeled as wheat flour. So I'm a little uncertain about what wheat flour is exactly. The main ones are plain/all purpose flour, white bread flour or wholemeal flour. So I suppose I should be using white bread flour for this? Thanks for the prompt reply :)
- April 17, 2008 3:09 PM
- Anne said...
I think plain / all-purpose is fine, as long as it doesn't have anything added to it, like baking powder. :)
- April 17, 2008 5:38 PM
- Katharina said...
Hej Anne,
I googled for Swedish Bullar and your blog came up. I am not Swedish myself,(I am German ;) ) but I am in Sweden right now, in Järna to be precise, and I was asked to prepare Fika for 150 people yesterday afternoon. So your Cinnamon Buns were my saviours, as it was my first time baking something like this, and preparing something strictly by recipe, and they actually worked out!!! The Swedes around here told me I did a good job :) So I wanted to thank you and as soon as my friends have sent me the photos I would like to show you my beautiful buns, as I am soooo proud of them :)
The group I prepared the Fika for is an international youthgroup that is starting a one year social entrepreneur training, the Youth Initiative Program. (www.yip.se) here in Järna.
They had their opening yesterday, where the local Järna community was invited for the Fika I prepared. Check out the website if you have time, it is quite an amazing thing they are doing here!
Tack so myket!
Katharina - August 25, 2008 10:08 AM
- Anne said...
Katharina, wow - cinnamon buns for 150 is quite a job!! :) Glad it all worked out! I checked out the site - sounds really cool. While you're in Järna, visit Saltå Kvarn and try their buns - excellent! :)
- August 25, 2008 10:27 AM
- Katharina said...
Hej Anne
I just walked past Saltå Kvarn today, amazingly huge building, I didnt know they have a bakery too, I ll go check it out!!
I made the buns with dark flour the other day, for the forty Yippies who are working hard outdoors this week, doing crafts with wood, iron and clay...they loved them like that for Fika in the afternoon, because the darker flour makes them bread-like and more filling!
Hej do.
Katha - September 03, 2008 5:15 PM
- Sergio said...
Hi! I'm spanish so forgive my english haha!
im 16 years old and i didn't find the bullar recipe in spanish, but i found this one and the buns are in the oven now! xD
thaaaanks! - December 21, 2008 8:08 PM
- Rumela said...
Wow!the Swedish Cinnamon Buns are my favorite.it looks delicious.yam mi... I love baking them and decorating them. Kids love them too. these make good edible Christmas decoration as well.
- April 03, 2009 10:05 AM
- zeynep said...
kanelbulle!! The first thing which i have heard during my uni. years in sweden.. Then, swedish house life. Now i am in my home country Turkey but still trying to find sth from sweden which is calling my sweden years. Thank you for your recipes i am trying to cook all of them with my turkish style :))
- October 23, 2009 2:29 PM
I was so happy to find your blog today! This past summer was my first time in Sweden, and I spent 6 weeks living on Sodermalm. I can still smell the kanelbulle at the Gamla Stan t-bana! Can't wait to try this and many other recipes on your blog.
- November 10, 2009 10:56 PM
Very nice! But i took an entire day ~5 hrs. It was very hard to work the dough and it stuck everywhere! I like this because there's no glaze and it's traditional.
- November 16, 2009 3:31 PM
- Pär said...
Lovely buns, well worth the effort! However how did you manage to only get 40 buns out of this? I almost got 70! And also, how did you manage to work the dough in your Kitchen Aid (if I understand it correctly, you use one of these)? It just "curled" up in the machinery on mine!
But still, I'll use this recepie the next time as well. :)
http://pekelund.blogspot.com/2010/03/bloggen-goes-annes-food.html - March 08, 2010 10:02 AM
- Anne said...
Pär - jag gör STORA bullar :) (Jag vill ha dem sådär ljusa och underbakade, och då underlättar det om de är stora. Riktigt, riktigt stora.) Men vad konstigt att det blev problem med Kitchen-Aiden, det funkar verkligen perfekt i min.
- March 08, 2010 11:30 AM
- .Sol said...
Hej Anne!
thank you so much for your recipe. I prepared a batch for my swedish class and they were a success, even for my native swedish teacher.
stor kram från Argentina! - May 11, 2010 7:48 PM
- kosher said...
when is the specific perfect to celebrate Cinnamon Buns? I'd like to do the same what you did for my kids.
- September 24, 2010 4:13 AM
- Anne said...
Kosher - the official day is Oct 4, but they're really eaten all the time. All year round, every day :)
- September 24, 2010 8:59 AM
Made these today and they turned out perfectly and seemed very authentic compared to the ones I have had in Sweden. I am going to try them out on my Swedish friends when they come and visit me!
Paul (an English man in Helsinki) - March 30, 2011 2:06 PM
I just made 24 of these for my friends' wedding tomorrow (used half the amounts specified, as it is already almost 2 am here - I started at 11 pm).
My girlfriend once told me that her Swedish friends assured her, there is not a single man in Sweden better than kannelbullar - I hope she will like these tomorrow, as she will be on the wedding too. Thanks a lot for the recipe. - September 18, 2011 1:48 AM
- Unknown said...
Dear Anne, I am from Singapore n I am craaaazzy over this cinnamon bun. Hv nvr done this before. But this recipe makes it sound so simple. So gonna try it!!
- May 19, 2014 10:44 AM
- Nina said...
Hi Anne, I love your blog! Just wondering how long these buns last for?
Thanks, Nina - June 26, 2015 2:45 AM
- Anne said...
Hi Nina! They're absolutely best freshly made, so I usually freeze mine. They reheat very well in the microwave, or just by thawing in room temp :-)
- July 01, 2015 11:16 AM


text:
There are no big surprises in this morning's job report from the government. The unemployment rate increased slightly on moderate job growth. It met or slightly exceeded expectations. This is one of the most significant economic indicators we look at every month, and joining us to discuss the Labor Department's report is NPR's Yuki Noguchi. Good morning.
YUKI NOGUCHI, BYLINE: Good morning.
MONTAGNE: What can you tell us about these numbers?
NOGUCHI: There were 175,000 jobs added, and as you said, that pretty much hit the target of what economists had expected. There were some slight revisions to the previous two months, but nothing hugely significant. Overall, I'd say the Labor Market has settled into a rhythm of slow and steady growth that we've seen for some time now. It seems to be unshakeable.
Things had been looking a little more optimistic in the first three months of this year, when we averaged 207,000 net new jobs. And now we're sort of back down to this level that we'd seen last year. Last year's monthly average was 180,000 net new jobs.
MONTAGNE: And one of the things that is often a factor in determining whether a report is good or bad is what happens with the labor force. I mean, if more people drop out, that can skew the numbers. Did that happen this time?
NOGUCHI: No. In fact, we saw the labor force - that is, the number of people working or looking for work - increase by 420,000. That also explains why the unemployment rate increased slightly from seven-and-a-half to 7.6 percent. You have more people coming back in, and that's a good sign. But it does make the optics of these numbers slightly worse, since it has the effect of raising the unemployment rate. But if there's ever a good reason for the jobless rate to increase, this is it.
MONTAGNE: Right. And one of the things you've said is that the job market is expected to slow this summer. I wonder: Does this report give us any indication about how bad that slowdown might be?
NOGUCHI: We actually have seen job growth decrease since the early part of the year. But as far as government spending cuts, many economists think that the sequester did not have a big impact this month - yet. They say most of that impact will be seen in the summer, and possibly into the fall. But we aren't seeing evidence in this report. People aren't working less or earning less.
MONTAGNE: These are numbers describing most of the economy, but some sectors are doing better than others, and I wonder whether this report says anything about where the jobs are being added and where they're being lost.
NOGUCHI: Not all parts of the economy are moving in the same direction. Professional and business services added jobs, as did the healthcare sector, which has been consistently growing. Manufacturing declined slightly, and the federal government has lost 45,000 jobs in the last three months. And in many ways, that reflects what's going on in the economy.
There's economic slowdown in Europe and China, our biggest trading partners, and that seems, of course, to be having a little bit of an effect here. Also, of course, we've had consistent government contraction for some time. So these numbers are pretty consistent with that.
MONTAGNE: And you mentioned more people coming into the labor force, that being a sign of optimism, I guess, for jobseekers. Are there fewer people unemployed now, or underemployed? I mean, what kind of progress are we making on those numbers?
NOGUCHI: Well, given that we've seen the slow and steady job growth for years now, what you're seeing is, again, slow improvement in those numbers, as well, that you're talking about. There are still 11.8 million unemployed people, and 4.3 million of them have been out of a job for six months or more. But in the last year, both of those numbers have come down by about a million people.
And it's a similar story with the underemployment. The number of people who would like more work is also declining, but, again, slowly.
MONTAGNE: NPR's Yuki Noguchi. Thanks very much.
NOGUCHI: All right. Thank you. Transcript provided by NPR, Copyright NPR.

subset: commoncrawl


text:
Log In
Contact Us
Active Topics
Log In
Why can't I select another template?
Probably, no other templates are available on this board.
User Accounts
Do I need to register?
What are the benefits of registering?
What do I need to register an account?
I didn't receive the activation e-mail!
What if I forget my login info or my e-mail address doesn't work anymore?
What are moderators and administrators?
How do I become a moderator or administrator?
Can I change my rank?
How do I subscribe to topics?
How do I unsubscribe from topics?
Your Profile
How can I change my username?
What's the difference between Username, Displayed name and Real name?
My language is missing in the drop down box!
Why can't I select another template?
Topics and Posts
What are topics and posts?
What are sticky topics?
Why can't I post new topics or replies?
What are BBCode and smilies?
My post count does not increase when posting!
Why do I have to wait a certain amount of time between posting?
Why do links in my signature and/or posts remain unclickable?
I don't receive any e-mails from this board!
Where in my profile can I place my Google Talk account?
Sharesansar Forum Powered By
Miracle Hub


text:
Payment policy
We charge the price of the shirt plus shipping as calculated and shown in your cart. No other charges will be applied. We process payments through PayPal's SSL secured offsite transaction processing engine. We do not store customer credit card information. Your transaction with 8sellerorganics is safe! PayPal accepts PayPal payments directly, AMEX, Visa, Discover, and MasterCard. You'll be taken to the PayPal site where you *do not* need to register an account if you don't have one. You can pay one time by credit card by choosing the "Don't have a PayPal account option".
Payments methods include PayPal and Credit cards.
PayPal is a safer, easier way to send and receive money online. When you select PayPal as the payment method, you will be linked to the PayPal site where you can make a payment.
PayPal can be used to purchase items by Credit Card (Visa, MasterCard, Discover, and American Express), Debit Card, or E-check (i.e. using your regular Bank Account).
1) After viewing your items on your shopping cart page, you can click and check out with PayPal. Then you will leave our site and enter PayPal's website.
2) You can sign in to your PayPal account, or you can create a new one if you haven't got one.
3) You can use PayPal as you want according to the on-screen instructions.
Usually, a PayPal e-check will take 3-5 business days to be confirmed by PayPal.
The reasons why we suggest you use PayPal:
Payment is traceable. By using your PayPal account, you can trace the status of your payment.
When you make payment for your order, you don't need to use your credit card online (you can transfer directly from your bank account). When you use your credit card through PayPal, nobody will see your credit card number, which will minimize the risk of unauthorized use.


text:
Marquee Hire Rowsham | Local Marquee Hire Buckinghamshire | UK
Wedding Marquee Hire In Rowsham
Making your Rowshamwedding perfect is as important to us as it is to you. Once we have your specifications, we will do a physical inspection of your requested location to find your optimal layout. We are very flexible with our Marquee Hire, offering installation and post-event use of our marquees. We can provide a variety of finishing options picked out for your wedding, or leave you to decorate yourselves.
Corporate Marquee Hire In Rowsham
At All Style Marquees we understand the importance of professionalism and our customers' needs. We are committed to meting all the needs of our customers. Our marquees are very flexible, allowing the dimensions and design of your event to be perfectly tailored to your needs. We are Marquee Hire specialists with multitudes of equipment and years of experience. With the use of our marquees, we aim to make the perfect environment for your corporate event in Rowsham.
Party Marquee Hire In Rowsham
If you're planning a party and can't find the perfect venue, then our RowshamMarquee Hire could be the solution to get your prefect venue. Our marquee sizes are very flexible, allowing you to be accommodating for a large number of guests. Our equipment is top quality and maintained to the highest standard, giving you peace of mind that your event with be clean and maintained. We also offer a free Rowshamsite visit to gather helpful information to make the best Marquee Hire solution for you.
Ask About Our Rowsham Marquee Hire
If you would like to enquire about marquee hire in Rowsham, contact our friendly team today to discuss your requirements. We would be thrilled to help you organise the ideal marquee for your next party or event. Call us today on 01234 851393 or email firstname.lastname@example.com with the details of your event.


text:
SPLITS. Un= sh. Large. Tasty. May be too grn.
This is an advanced selection being tested from the breeding program of Dr. Dick Okie, USDA-ARS, Byron, GA. A variety description will be prepared if this selection becomes suitable for public release.
The description of each variety of peach or nectarine fruit under each group is in different formats as this information is collected from varied sources and hence is not consistent


text:
Oklahoma Essure Lawsuits - Lawyers Handling Essure Injury Lawsuits in Oklahoma Offer No-Cost, No-Obligation Essure Case Review
Information for Oklahoma Residents about Essure Problems from National Essure Lawyers
Essure, a medical device that offers female sterilization, has been found to cause significant problems for women in Oklahoma and around the nation. Essure risks include persistent pain, perforation of the uterus or fallopian tubes, intra-abdominal or irregular bleeding, allergic and hypersensitivity reactions. Some women have become pregnant after Essure was implanted, and some patients have undergone surgical procedures to have the device removed.
A form of permanent birth control marketed by Bayer HealthCare, Essure is currently the subject of FDA scrutiny due to adverse event reports and questions regarding the product's safety and effectiveness. An estimated 750,000 women have been implanted with Essure in the United States. Thousands of women reporting Essure problems and complications have signed on to a Citizen's Petition, calling for the FDA to retract approval of the contraceptive device.
During 2015, the FDA convened a panel to assess the risks and benefits of Essure. Countless stakeholders testified, including clinicians, representatives of Bayer, Essure patients and their families, representatives of professional medical societies, and non-profit organizations. A public docket attracted 2,800 comments on Essure risks and problems. At this time, the American public is awaiting an announcement from the FDA, reporting its conclusions and recommendations related to Essure risks.
As the only medical device offering permanent birth control which has been approved by the FDA in the United States, Essure dominates the market. 345,000 American women seek permanent sterilization each year. Critics accuse Bayer of taking shortcuts in the pre- and post-market safety testing that could have prevented women from suffering serious Essure health problems. Bayer's total sales reportedly topped out over $47 billion in 2014.
If you or a loved one has suffered from Essure problems or complications in Oklahoma, you may be eligible to receive compensation through filing an Essure lawsuit in Oklahoma. Attorneys handling Oklahoma Essure problems lawsuit claims provide free, no-obligation case reviews to women and families who match this description. Our Oklahoma Essure attorneys not only have a significant track record of success in the realm of national pharmaceutical safety litigation but also endeavor to provide legal representation that is sensitive to the needs of women and families. Should you choose to retain our Oklahoma Essure lawyers, there is never any fee unless we win compensation on your behalf.


text:
Items 1 - 20 of 52
Items 1 - 20 of 52
Choose your country of delivery to see prices and products for your location.
Too bad, now we have to go back to the glass ball or read in the coffee grounds to understand our visitors ...
Why do we have to do that? Quite simply, you have forbidden us to watch Your steps on our site with Google Analytics. That sounds dramatically to You, we know. But look at it: we do not even know who YOU are, we just see that SOMEONE looks at our pages, how he/she does that, how long this SOMEONE lingers on the respective pages, etc. We do not know who You are, whether You are male or female, how old You are, how Your weight is - no idea. Nor do we pass this data on to Google, we don not have them not at all! Nevertheless, this data of SOMEONE will provide us with valuable information about our site, we want You to like everything here, that You feel good and - of course - buy our products ...
So we can see where there are problems. If many visitors leave our site during the purchase process while choosing the payment method, we know that something is wrong and can improve it. Sounds good, right? Thats good for You and good for us. So it´s a win-win situation. So let us accompany You on Your way through our store. Deal?
Great, you got it! Now we can work better on our offer again!


text:
Name: Erbium Oxide
EC Number: 235-045-7
Chemical Formular: Er2O3
Appearance: pink crystals
Molecular Weight: 382.52 g/mol
Melting Point: 2,344 °C (4,251 °F; 2,617 K)
Boiling Point: 3,290 °C (5,950 °F; 3,560 K)
Density: 8.64 g/cm3
Solubility in water: insoluble in water
Exact Mass: 381.84742 g/mol
Monoisotopic Mass: 379.84534 g/mol
Topological Polar Surface Area: 43.4 A^2
Complexity: 34.2
According to the UN GHS revision 8
Version: 1.0
Creation Date: Sep 02, 2020
Revision Date: Sep 02, 2020
SECTION 1: Identification
GHS Product identifier
Product name | Erbium Oxide |
Other means of identification
Product number | – |
Other names | oxo(oxoerbiooxy)erbium;Dierbium trioxide;Erbium(III) oxide |
Recommended use of the chemical and restrictions on use
Identified uses | Industrial and scientific research uses. |
Uses advised against | no data available |
Supplier's details
Company | Elements China Limited |
Address | Building 2, No.5555, Shenzhuan Hwy, Shanghai , China |
Telephone | +86-021-3776-2181 |
1.5Emergency phone number
Emergency phone number | +86-021-3776-2181 |
Service hours | Monday to Friday, 9am-5pm (Standard time zone: UTC/GMT +8 hours). |
SECTION 2: Hazard identification
Classification of the substance or mixture
Not classified.
GHS label elements, including precautionary statements
Pictogram(s) | No symbol. |
Signal word | No signal word |
Hazard statement(s) | none |
Precautionary statement(s) | |
Prevention | none |
Response | none |
Storage | none |
Disposal | none |
Other hazards which do not result in classification
no data available
SECTION 3: Composition/information on ingredients
Chemical name | Common names and synonyms | CAS number | EC number |
Erbium Oxide | Dierbium trioxide | 12061-16-4 | 235-045-7 |
SECTION 4: First-aid measures
Description of necessary first-aid measures
If inhaled
Move the victim into fresh air. If breathing is difficult, give oxygen. If not breathing, give artificial respiration and consult a doctor immediately. Do not use mouth to mouth resuscitation if the victim ingested or inhaled the chemical.
Following skin contact
Take off contaminated clothing immediately. Wash off with soap and plenty of water. Consult a doctor.
Following eye contact
Rinse with pure water for at least 15 minutes. Consult a doctor.
Following ingestion
Rinse mouth with water. Do not induce vomiting. Never give anything by mouth to an unconscious person. Call a doctor or Poison Control Center immediately.
Most important symptoms/effects, acute and delayed
no data available
Indication of immediate medical attention and special treatment needed, if necessary
no data available
SECTION 5: Fire-fighting measures
Suitable extinguishing media
Use dry chemical, carbon dioxide or alcohol-resistant foam.
Specific hazards arising from the chemical
no data available
Special protective actions for fire-fighters
Wear self-contained breathing apparatus for firefighting if necessary.
SECTION 6: Accidental release measures
Personal precautions, protective equipment and emergency procedures
Avoid dust formation. Avoid breathing mist, gas or vapours.Avoid contacting with skin and eye. Use personal protective equipment.Wear chemical impermeable gloves. Ensure adequate ventilation.Remove all sources of ignition. Evacuate personnel to safe areas.Keep people away from and upwind of spill/leak.
Environmental precautions
Prevent further spillage or leakage if it is safe to do so. Do not let the chemical enter drains. Discharge into the environment must be avoided.
Methods and materials for containment and cleaning up
Collect and arrange disposal. Keep the chemical in suitable and closed containers for disposal. Remove all sources of ignition. Use spark-proof tools and explosion-proof equipment. Adhered or collected material should be promptly disposed of, in accordance with appropriate laws and regulations.
SECTION 7: Handling and storage
Precautions for safe handling
Handling in a well ventilated place.
Wear suitable protective clothing.
Avoid contact with skin and eyes.
Avoid formation of dust and aerosols.
Use non-sparking tools.
Prevent fire caused by electrostatic discharge steam.
Conditions for safe storage, including any incompatibilities
Store the container tightly closed in a dry, cool and well-ventilated place. Store apart from foodstuff containers or incompatible materials.
SECTION 8: Exposure controls/personal protection
Control parameters
Occupational Exposure limit values
no data available
Biological limit values
no data available
Appropriate engineering controls
Ensure adequate ventilation.
Handle in accordance with good industrial hygiene and safety practice.
Set up emergency exits and the risk-elimination area.
8.3Individual protection measures, such as personal protective equipment (PPE)
Eye/face protection
Wear tightly fitting safety goggles with side-shields conforming to EN 166(EU) or NIOSH (US).
Skin protection
Wear fire/flame resistant and impervious clothing. Handle with gloves. Gloves must be inspected prior to use. Wash and dry hands. The selected protective gloves have to satisfy the specifications of EU Directive 89/686/EEC and the standard EN 374 derived from it.
Respiratory protection
If the exposure limits are exceeded, irritation or other symptoms are experienced, use a full-face respirator.
Thermal hazards
no data available
SECTION 9: Physical and chemical properties and safety characteristics
Physical state | pink powder |
Colour | no data available |
Odour | no data available |
Melting point/freezing point | 2400ºC |
Boiling point or initial boiling point and boiling range | 3000ºC |
Flammability | no data available |
Lower and upper explosion limit/flammability limit | no data available |
Flash point | no data available |
Auto-ignition temperature | no data available |
Decomposition temperature | no data available |
pH | no data available |
Kinematic viscosity | no data available |
Solubility | no data available |
Partition coefficient n-octanol/water | no data available |
Vapour pressure | no data available |
Density and/or relative density | 8.64g/mLat 25°C(lit.) |
Relative vapour density | no data available |
Particle characteristics | no data available |
SECTION 10: Stability and reactivity
no data available
Chemical stability
no data available
Possibility of hazardous reactions
no data available
Conditions to avoid
no data available
Incompatible materials
no data available
Hazardous decomposition products
no data available
SECTION 11: Toxicological information
Acute toxicity
- Oral: no data available
- Inhalation: no data available
- Dermal: no data available
Skin corrosion/irritation
no data available
Serious eye damage/irritation
no data available
Respiratory or skin sensitization
no data available
Germ cell mutagenicity
no data available
no data available
Reproductive toxicity
no data available
STOT-single exposure
no data available
STOT-repeated exposure
no data available
Aspiration hazard
no data available
SECTION 12: Ecological information
- Toxicity to fish: no data available
- Toxicity to daphnia and other aquatic invertebrates: no data available
- Toxicity to algae: no data available
- Toxicity to microorganisms: no data available
Persistence and degradability
no data available
Bioaccumulative potential
no data available
Mobility in soil
no data available
Other adverse effects
no data available
SECTION 13: Disposal considerations
Disposal methods
The material can be disposed of by removal to
a licensed chemical destruction plant or by controlled incineration
with flue gas scrubbing. Do not contaminate water, foodstuffs,
feed or seed by storage or disposal. Do not discharge to sewer systems.
Contaminated packaging
Containers can be triply rinsed (or equivalent) and
offered for recycling or reconditioning.
Alternatively, the packaging can be punctured to
make it unusable for other purposes and then be disposed of
in a sanitary landfill. Controlled incineration
with flue gas scrubbing is possible for combustible packaging materials.
SECTION 14: Transport information
UN Number
ADR/RID: Not dangerous goods. (For reference only, please check.) | IMDG: Not dangerous goods. (For reference only, please check.) | IATA: Not dangerous goods. (For reference only, please check.) |
UN Proper Shipping Name
ADR/RID: Not dangerous goods. (For reference only, please check.) | IMDG: Not dangerous goods. (For reference only, please check.) | IATA: Not dangerous goods. (For reference only, please check.) |
Transport hazard class(es)
ADR/RID: Not dangerous goods. (For reference only, please check.) | IMDG: Not dangerous goods. (For reference only, please check.) | IATA: Not dangerous goods. (For reference only, please check.) |
Packing group, if applicable
ADR/RID: Not dangerous goods. (For reference only, please check.) | IMDG: Not dangerous goods. (For reference only, please check.) | IATA: Not dangerous goods. (For reference only, please check.) |
Environmental hazards
ADR/RID: No | IMDG: No | IATA: No |
Special precautions for user
no data available
Transport in bulk according to IMO instruments
no data available
SECTION 15: Regulatory information
Safety, health and environmental regulations specific for the product in question
Chemical name | Common names and synonyms | CAS number | EC number |
Erbium Oxide | Dierbium trioxide | 12061-16-4 | 235-045-7 |
European Inventory of Existing Commercial Chemical Substances (EINECS) | Listed. | ||
EC Inventory | Listed. | ||
United States Toxic Substances Control Act (TSCA) Inventory | Listed. | ||
China Catalog of Hazardous chemicals 2015 | Not Listed. | ||
New Zealand Inventory of Chemicals (NZIoC) | Not Listed. | ||
Philippines Inventory of Chemicals and Chemical Substances (PICCS) | Not Listed. | ||
Vietnam National Chemical Inventory | Listed. | ||
Chinese Chemical Inventory of Existing Chemical Substances (China IECSC) | Listed. | ||
Korea Existing Chemicals List (KECL) | Listed. |
SECTION 16: Other information
Information on revision
Creation Date | Sep 02, 2020 |
Revision Date | Sep 02, 2020 |
Abbreviations and acronyms
- CAS: Chemical Abstracts Service
- ADR: European Agreement concerning the International Carriage of Dangerous Goods by Road
- RID: Regulation concerning the International Carriage of Dangerous Goods by Rail
- IMDG: International Maritime Dangerous Goods
- IATA: International Air Transportation Association
- TWA: Time Weighted Average
- STEL: Short term exposure limit
- LC50: Lethal Concentration 50%
- LD50: Lethal Dose 50%
- EC50: Effective Concentration 50%
- IPCS – The International Chemical Safety Cards (ICSC), website:
http://www.ilo.org/dyn/icsc/showcard.home - HSDB – Hazardous Substances Data Bank, website: https://toxnet.nlm.nih.gov/newtoxnet/hsdb.htm
- IARC – International Agency for Research on Cancer, website: http://www.iarc.fr/
- eChemPortal – The Global Portal to Information on Chemical Substances by OECD, website:
http://www.echemportal.org/echemportal/index?pageID=0&request_locale=en - CAMEO Chemicals, website: http://cameochemicals.noaa.gov/search/simple
- ChemIDplus, website: http://chem.sis.nlm.nih.gov/chemidplus/chemidlite.jsp
- ERG – Emergency Response Guidebook by U.S. Department of Transportation, website:
http://www.phmsa.dot.gov/hazmat/library/erg - Germany GESTIS-database on hazard substance, website:
http://www.dguv.de/ifa/gestis/gestis-stoffdatenbank/index-2.jsp - ECHA – European Chemicals Agency, website: https://echa.europa.eu/
Any questions regarding this SDS, Please send your inquiry to [email protected]
Disclaimer: The above information is believed to be correct but does not purport to be all inclusive and
shall be used only as a guide. The information in this document is based on the present state of our
knowledge and is applicable to the product with regard to appropriate safety precautions. It does not
represent any guarantee of the properties of the product. We as supplier shall not be held liable for any
damage resulting from handling or from contact with the above product.
Chemical Formular: | Er2O3 |
PubChem CID: | 5123419 |
IUPAC Name: | oxo(oxoerbiooxy)erbium |
Inchl: | InChI=1S/2Er.3O |
InChI Key: | VQCBHWLJZDBHOS-UHFFFAOYSA-N |
Canonical SMILES: | O=[Er]O[Er]=O |
Pictogram(s): | |
Signal: | Warning |
GHS Hazard Statements: | H315-H319-H335 |
Hazard Codes: | Xi |
Risk Codes: | R36/37/38 |
Precautionary Statement Codes: | P262-P280-P305+P351+P338-P304+P340-P403+P233-P501 |
Flash Point: | n/a |
Erbium(3+) trioxide
Dierbium trioxide
Erbium(III) oxide
Erbium sesquioxide
A silvery-white solid metal when artificially isolated, natural erbium is always found in chemical combination with other elements.
It is a lanthanide, a rare earth element, originally found in the gadolinite mine in Ytterby in Sweden, from which it got its name.
Erbium is a chemical element with the symbol Er and atomic number 68.
Oxygen is the chemical element with the symbol O and atomic number 8, meaning its nucleus has 8 protons.
Oxygen is a member of the chalcogen group on the periodic table, a highly reactive nonmetal, and an oxidizing agent that readily forms oxides with most elements as well as with other compounds.
Dioxygen is used in cellular respiration and many major classes of organic molecules in living organisms contain oxygen, such as proteins, nucleic acids, carbohydrates, and fats, as do the major constituent inorganic compounds of animal shells, teeth, and bone.
Oxygen was isolated by Michael Sendivogius before 1604, but it is commonly believed that the element was discovered independently by Carl Wilhelm Scheele, in Uppsala, in 1773 or earlier, and Joseph Priestley in Wiltshire, in 1774.
Fiber drums, steel drums, and bulk bags


text:
Torn Medial Meniscus
Of the menisci within the knee, it is the medial that is more easily injured. Differences in the anatomical attachments of the medial meniscus compared to the lateral mean that the medial meniscus becomes distorted during combined flexion and rotation movements in a manner not experienced on the lateral side.
Mechanism of Injury
Medial meniscal injuries are usually considered as either traumatic or degenerative. Whilst degenerate tears may present with a gradual history of increasing symptoms, traumatic injuries will usually occur as the knee is extended and rotated from a flexed position against resistance. This may occur as a single event during a sporting endeavor or during a period of unaccustomed squatting such as laying flooring or playing with children. The most commonly injured area is the posterior horn.
The exact presentation of a medial meniscal injury will vary according to the morphology of the tear sustained. Meniscal tears can be simply divided into vertical longitudinal, vertical radial, horizontal or complex. Presentation of a meniscal tear may be through:
- Locking: The inability to extend the affected knee to the same extent as the contra-lateral side. Crucially this is due to a mechanical block and whilst pain may be a feature it is not the sole reason the knee is unable to extend. This presentation is caused by a bucket handle tear (an unstable vertical longitudinal tear) prolapsing out of position creating the mechanical block to movement.
- Pain: This is characteristically intermittent in nature and associated with activities such as stair climbing or running. Patients will often complain of an inability to fully squat. Patients will also exhibit tenderness along the joint line of the affected knee.
- Swelling: In large peripheral tears the injury may be associated with a post-traumatic effusion. More commonly, the irritation caused by the damaged meniscus causes recurrent effusions associated with exacerbations of the symptoms. A 3rd form of swelling is the localized meniscal cyst caused by a complex meniscal tear acting as a flap valve to synovial fluid leading to the gradual formation of a parameniscal cyst that may be apparent clinically.
- Clicking: Patients will often complain of, and sometimes be able to reproduce clicking. This is a palpable demonstration of the ongoing damage that is being caused by the displaced meniscal fragment. The description patients find most easy to understand is of a broken tooth within a gear box jamming the machinery.
Very rarely indicated, except when confirming the presence of a meniscal cyst. MRI is the preferred investigation for this however as it will confirm the presence of a meniscal tear.
This is useful in the assessment of additional knee pathology, such as osteoarthritis that may impact on the prognostic information given to the patient.
Not indicated for the assessment of knee pain.
This is the most useful investigation for cases where diagnostic doubt exists. It is highly sensitive and specific but it is important to remember that both false negatives and positives do occur.
In cases where a meniscal injury is associated with degenerative change within the knee it may be difficult to ascertain which pathology is causing the majority of the symptoms. In such cases an unwise intervention may lead to a perceived deterioration in knee function and the torn meniscus may be best left in situ.
Arthroscopic excision
This is the most commonly performed treatment option and provides excellent, long term symptom relief for the majority of patients. Although the majority of patients will experience improvement within a few weeks of surgery some may require longer periods due to extensive quadriceps atrophy or other intra-articular pathology.
Arthroscopic repair
In certain, specific cases the meniscus may be able to be repaired. This is usually restricted to those cases where a fresh, peripheral tear is identified at arthroscopy in a young patient. The limited application for meniscal repair is due to the poor blood supply found within the majority of the meniscus meaning only the outer 25% has a viable healing potential. It is an important consideration for many patients that a meniscal repair will necessitate a much prolonged period of rehabilitation when compared to a simple excision.
The majority of the literature regarding prognosis following meniscal excision dates from the pre-arthroscopic era of total open meniscectomy. As such there is a commonly held perception that excision results in arthritis. This is overly pessimistic. Having a meniscal tear is a significant injury to the knee. Ongoing mechanical symptoms indicate ongoing damage to the chondral surfaces of the joint. If an arthroscopic excision is performed before extensive chondral injury has been sustained, many patients do not develop problematic osteoarthritis and will experience long term symptom relief.


text:
Monday, March 28, 2011
Camp Couture, Day Two
Yesterday I got my coat underlinings all cut out (muslin for my coat bodice, silk organza for the sleeves and skirt). So today I could jump right into fabric cutting. Here's my underlining laid out on my wool.
I think one of my biggest lightbulb moments so far was finally understanding the importance of the seamline (as opposed to seam allowance) in couture sewing. The seamline is all that matters, and the seam allowance doesn't actually need to be even! You start with a muslin on which you mark the seam line with wax tracing paper, and then cut around the piece, giving yourself an approximate 1" seam allowance. When you baste the seams together, you match the seamlines, making sure that they're pinned precisely on each side.
The process is repeated when you transfer your markings to your underlinings. Check out this piece, for instance. The waistline got adjusted during my fitting, but there's no need to fuss around with the seam allowance. See how there's less of a seam allowance on the left than the right? Look at the purple arrows.
That's all good, as long as I cut out roughly an inch out from the seamline.
I'm trying to make a point of watching others work on their projects as well. Three ladies are making strapless dresses, which I've been following eagerly. Here's a pic from a demo of making boning channels in an inner corselette.
I'm currently working on basting the entire coat together by hand. Madness. When I suggested I do it by machine, Susan just gave me a pointed, raised eyebrow. There's no machine basting at Camp Couture!
More to come, friends.
28 comments:
- AnonymousMarch 28, 2011 at 7:21 AM
I'm loving reading about this. I desperately want to go on Camp Couture now!
ReplyDelete Having grown up sewing in Europe using both the continental patterns (without seam allowance) as well as the British/American pattern (with seam allowance, I have never understood that so much fuss is made in blogs about patterns which do not include allowances. I've always cut more than the 5/8" inch given on patterns as that gives you no allowance to fit. And surely the stitching line is the most important, as that is what you want to match. Wether the seam allowances are even or not is totally immaterial.
Love your blog and wish I could take the camp couture, but I now live in the Philippines so it is just a little too far!I am laughing about the hand basting / machine basting. It reminds me of my Sit & Sew session with Susan (and Kenneth) last year. I worked on a strapless dress with accompanying bolero jacket made of midnight navy guipure lace and a soft pale pink silk charmeuse under neath. By the time Susan (and Kenneth) were done with me, I was ready to hand baste everything in sight. You learn so much from them and the other ladies who attend. Enjoy!
ReplyDeleteI was taught to sew by my aunt, an amazing seamstress who ran a sewing room for many years. I learned to embroider, and then to make doll clothes entirely by hand with the tiniest stitches before I was ever allowed to touch a machine. I have seen her make beautiful custom garments entirely by hand, true to her belief that a machine is a convenience, not a necessity.
So happy that you are having a wonderful experience!
xo, A.I'm not sure I understand: how do I know where the stitching line is without the seam allowance to follow? I've only ever known to cut along my seam allowance and then knowing the width of that allowance to use it as a guide as I sew. Even if I were hand basting wouldn't I need to be basting through the pattern layer to know where the line is?
ReplyDeleteshelleyandmike, you have to first mark the seam line on your pattern in pencil. You just measure in 5/8". When you make your muslin, you transfer the seam line only to the muslin with tracing paper, on both sides. After fitting with your muslin, you cut out your underlining and transfer seam lines to it. Then you place the underlining on the fashion fabric and baste them together at the seam line. So, at every step, you're marking the seam line.
I'm sure that sounds kind of crazy and obsessive, but it seems natural once you've done it.- AnonymousMarch 28, 2011 at 5:44 PM
Camp Couture sounds amazing! Oh to be with the great Susan Khalje quietly handbasting! Seeing those boning channels really makes me wish I could have taken her class before making the wedding dress I'm currently working on! One day!
ReplyDelete Gertie, I'm puzzled. Is there a misspeak in paragraph #3? "you start with a muslin on which you've marked the seam allowance, and then cut out approximately 1" for a seam allowance" (or words to that effect)? Did you mean to say you mark the seamline on the muslin?
And if you get to in the future, why hand basting over machine basting? What is the advantage? Thanks and keep having fun for all of us!I commented earlier about the importance of the stitching line on patterns. I haven't used a "big 4" pattern for quite a while now as I live in the Philippines and they are not available here. I just checked one I ordered a while back by mail and haven't yet (yes, I have a lot of UFOs too...) and realized they don't even show stitching lines anymore. Many years ago, when I was still sewing in Europe they were marked on the pattern. I wonder why they stopped doing this? Saving ink? I would transfer the markings using carbon paper and a dress makers wheel, or if it was a very important piece in thicker fabric , I would use tailor tacks. Both methods end up tearing the pattern though, so if I needed to reuse it, I would often cut off the seam allowances altogether as in my opinion they are totally useless on the pattern. It's really only in factories where they have any relevance as nothing is ever basted (neither by machine let alone by hand) and the sewers need to align the cut edges in order to know where to sew.
ReplyDeleteI'm curious if you can say more about how you go about matching the seamlines. I've started sewing corsets recently, and given that fit is so important with corsets, matching the seamlines exactly is definitely the way to go, rather than trying to get that level of exactitude with seam allowances. But I find matching up the seamlines to be really tedious, and the best I've been able to figure out is putting pins through the line of one piece and then through the next piece. Is there an easier way?


text:
You have finally made the decision—you are ready to transform your home with new flooring. You may have even selected the type and style of flooring you need. But another important decision looms: Where is the best place to buy?
Today's shopping options are almost as varied as the number of flooring products, and choosing can be overwhelming. Luckily, the best option is often right around the corner at your locally owned flooring shop.
1. Community Benefits: When you shop local, more of your hard-earned money stays in your area. Local store owners generate more local taxes, provide more support for local nonprofit groups, create more jobs for local citizens and do more to encourage local entrepreneurship.
2. Knowledgeable Salespeople: Independent flooring retailers focus mainly—if not only—on flooring. Flooring is their way of life, so they are true experts who thoroughly understand the benefits and challenges of every flooring type available. If you have questions about flooring, they likely have the answers.
3. Wide Selection: Although many local flooring stores are small in square feet, most offer an even larger selection than their national counterparts. National chains focus on volume, selling a few of the most popular items in each category rather than offering a wide range. And local shops usually have access to even more products than those displayed. If you don't see what you're looking for, be sure to ask.
4. Customer Service: The best part of shopping local is often enhanced customer service. Local stores depend heavily on repeat sales and customer referrals, so they work harder to meet and exceed your expectations. Many provide additional services such as in-home consulting and measuring, interior design assistance and professional installation for a highly personalized shopping experience.
5. Competitive Pricing: Shopping at a specialty flooring store does not mean you'll pay more for the same product. Local retailers tend to focus on quality rather than volume, so they often carry a wider selection of higher grade products for customers who can afford it, but they also provide less expensive options for price-conscious shoppers. Keep in mind that many retailers regularly offer great discounts as well as price matching programs to guarantee you won't pay more.
Many stores sell flooring, but few offer all the benefits of shopping local. Visit us today to see how we can deliver the best flooring experience for your renovation.


text:
What You Need to Know About Present and Future Value (FV)
What do deflation and inflation mean in terms of our mortgages and investments? We turn to the concepts of present and future value for answers.
Discussions about the impact of future deflation or inflation tend to be quasi-ideological rather than pragmatic. Today we look at the consequences in numbers we can all understand. Frequent contributor Harun I. has kindly provided an explanation of the key concepts here: present value and future value. Extending the consequences of mortgages and bond yields 30 years is a real eye-opener-- or should be.
Here is Harun's commentary:
Why is it important to understand Present Value and Future Value?
By understanding these concepts we can determine the risk/reward involved in debt, how inflation or deflation, incidence or expectation, effect risk/reward. We can also understand whether inflation or deflation who wins or loses and why. Understanding who loses and why also gives us a prelude as to how market participants can be expected to behave.
I highly recommend reading Steve Keen's Roving Cavaliers of Credit, and watch Chris Martenson's Crash Course. These treatises will help you to understand that
1) we have a Credit Money system
2) there is always more debt than there is money
3) because of points 1 and 2 the system is inherently leveraged and inflationary. (Leverage cuts both ways; if leveraged 40:1 a 2.5% decline wipes you out)
Any loan that is written, the lender has to factor in what will the money be worth when I the principle is returned--the inflation risk--and what is the risk that principle will not be returned--the default risk. Both concerns are based on assumptions--in essence speculations about the future, which can and do get fairly complex.
For simplicity's sake, I will be using a risk-free rate of return of three percent to calculate Future Value (FV) and Present Value (PV). In my opinion, the risk-free rate of return is the expected rate of inflation, meaning that when your principle (factoring interest payments) is returned it will have the same purchasing power as when it was loaned.
Given in the chart is the FV of $250,000 at inflation rates of 3-6%.
So, referring to the FV chart, $250,000 at a risk-free rate of 3% per annum will be worth (or more accurately, equivalent to) $606,815 in 30 years. If this were the cost of a home and it indeed appreciated at the rate of inflation, you know what the home will cost in 30 years.
If, however, you as the lender are wrong and inflation was at 4%, the rate of depreciation of money was greater than you anticipated and therefore you would need an additional $204,033 to have the equivalent purchasing power of your original $250,000. If this happens the mortgagee wins. (emphasis added: CHS)
If at period 30 the owner wishes to sell his home, he can put it on the market at its 4% equivalent of $250K ($810,849) and pocket the difference. This concurs with one of the greatest threats to bond holders: inflation risk. And, as can be seen in columns A70, B70, and C70, the effects of being off on our speculation by just one percentage point are large indeed.
Conversely, if the risk-free rate of return was 4% but deflation of 1% actually occurred, the mortgagee would eat the difference because (assuming he didn't default) he would only be able to put his house on the market for $606,815 versus $810,849. For the mortgage bondholder this is acceptable because he now holds a bond with an attractive rate (4% vice 3%), which if he chose to sell would fetch a premium.
Put another way: the Future Value (FV) of $250K today at 3% annually in 30 years is $606,815.62. Cell A70 is the difference of being wrong by 1 percentage point (3%-4%). B70 is the difference of 4%-5% and C70, 5%-6%.
Both lender and borrower need to understand how changes in interest rates affect PV and FV because it affects current yields and yields at maturity. This directly affects the ability to unwind the position or sell the debt or asset.
This is a very simplistic example and can get complex once risk is factored. The reason I refer to the cost of a home is because I constantly hear people comment about how they paid for their house twice once interest was factored. Well, it just happens that prices double every 30 or so years.
Bond buyers would not lend money so freely if they knew the inevitable outcome would be a loss of purchasing power. In other words, if one generally accepts that bond buyers want an income stream plus the guaranteed return of their principle, what would be the point if that fixed income stream yielded increasingly declining purchasing power to a point that the overall investment when the principle is returned is a net effective loss?
So, in a deflationary environment someone who is concerned about an income stream and safety of principle may consider lending to the Treasury at 0%. With no inflation, he doesn't have to worry about the solvency of a bank, FDIC limits, or the loss of purchasing power--that is, if the solvency of the Treasury is not in question. If prices decline faster than income there is still a net positive outcome.
One last thing that should be obvious: achieving the risk-free rate of return, that is, achieving nothing more than the rate of inflation on your savings may yield more nominal dollars but it does not increase purchasing power. I say this because some may be over enthused about watching $250,000 go to over $600K in 30 years. No wealth has been gained; it just requires more dollars to purchase the same items. (emphasis added: CHS)
The implications of PV and FV are important. I highly recommend watching the four videos at the Khan Academy website.
Here is another chart of present value. Referring to the areas highlighted in red:
At 3% interest or inflation the PV of $250,000 projected 30 years out is $102,996.69. You can see the results of 4%, 5% and 6%. If you put $250K under your mattress for thirty years and gave up a risk-free return of 3%, or inflation progressed at 3%, your $250K lost purchasing power. Higher interest rates destroy the PV of money; this has an effect on how much I can or must borrow. At 3% $250K has a PV of $103K, at 6% $250K has a PV of only $43K.
The calculations are simple but when one spends some time thinking about these concepts, the implications are very important.
Thank you, Harun, for a very insightful commentary. I will be extrapolating some of these insights in future entries.
In essence, mortgagees (borrowers) benefit in inflation, and bond holders (lenders) suffer potentially massive declines in the value of their asset (the mortgage or bond).
In deflationary periods, the bond holders (or owners of the mortgage note) gain while the borrower loses as the value of his home deflates while the interest and principle payments on his loan remain fixed.
The concepts of PV and FV help us understand why a government bond paying an absurdly low rate of return (1%) might be an excellent investment in a deflationary environment, and why debt is a catastrophic "investment" in deflationary times.
What are the risks going forward for borrowers and lenders? Ah, if only we had a crystal ball. But lacking that, we can take our cues from the the current deflationary currents and avoid debt and high-risk speculations alike.
"What the heck, it's only the cost of a latte" $2.99 Kindle book sale: Here are quick descriptions of each novel's plot, genre and theme.
Claire's Great Adventure ($2.99)
Survival+: Structuring Prosperity for Yourself and the Nation ($9.95)
Survival+ The Primer ($5)
Weblogs & New Media: Marketing in Crisis ($5)
If you're going to buy the new $139 Kindle Reader (6" Display, U.S. Wireless, shipping August 27), please do so through my site as I earn a modest commission which costs you nothing.
If you would like to post a comment where others can read it, please go toDailyJava.net, (registering only takes a moment), select Of Two Minds-Charles Smith, and then go to The daily topic. To see other readers recent comments, go to New Posts.
Order Survival+: Structuring Prosperity for Yourself and the Nation and/or Survival+ The Primer from your local bookseller or from amazon.com or in ebook and Kindle formats.A 20% discount is available from the publisher.
Of Two Minds is now available via Kindle: Of Two Minds blog-Kindle
Thank you, Sam R. ($50), for your awesomely generous donation to the site-- I am greatly honored by your support and readership. | Thank you, William L. ($20), for your extremely generous contribution to the site-- I am greatly honored by your support and readership. |


text:
We work with clients big and small across a range of sectors and we utilise all forms of media to get your name out there in a way that's right for you. We believe that analysis of your company and your customers is key in responding effectively to your promotional needs and we will work with you to fully understand your business to achieve the greatest amount of publicity possible so that you can see a return from the advertising.
We have a number of different teams within our agency that specialise in different areas of business so you can be sure that you won't receive a generic service and although we can't boast years and years of service we can ensure you that is a good thing in this industry. Our teams are up to date with the latest technologies, media trends and are keen to prove themselves in this industry and that's what you want from an advertising agency, not someone who is relying on the same way of doing things that worked 10 years, 5 years or even a year ago.
Text highlights
Text highlights can be added easily using a simple shortcode in Page Builder


text:
Welcome To SA Engineering Corporation
Call Us Anytime +91 9582067837
Email Us Now email@example.com
HVLS Fan Manufacturers In Nabarangpur
S A Engineering Corporation is one of the reputable HVLS Fan Manufacturers in Nabarangpur, fusing imagination and innovation to create BLDC Fan in Nabarangpur that is reliable and durable. We offer Hand Trolleys, Pallet Trucks, Cage Trolleys, Electric Fans, Dock Levellers, Industrial Lifts, Golf Carts, And Air Coolers of the most excellent quality available In Nabarangpur. We work hard to create products that are high-performing and durable. We make sure the BLDC Fan In Nabarangpur satisfies the highest standards of quality while being modified to meet the requirements of various industries.
Creative Resources for Developing High-Quality Solutions
Our state-of-the-art production facility uses cutting-edge specialized techniques and equipment to turn raw materials into the most incredible Industrial Cooler In Nabarangpur. Our dedicated and skilled team pays close attention to even the slightest details to produce high-functioning, reliable HVLS Industrial Fan In Nabarangpur with the least fuss. There is no possibility of a complaint because we create our items in compliance with recognized industry standards. Every client receives individualized attention, and their requirements are met effectively. Everybody can afford and approve of each of our selections.
Get The Superb Solutions Right Now!
We are here to offer excellent solutions as one of the top Electric Golf Carts Exporters and Suppliers in Nabarangpur. Your purchase can be delivered quickly and securely by us. If you're seeking the best High Volume Low Speed Fan In Nabarangpur, get in touch with our experts to learn more. Call us right now to speak with us. You can contact us immediately away by phone or email.
Top 10 Industrial Fans Manufacturers In India
Best Gearless Giant Fan | HVLS Geared Fans Manufacturers, We offer
Counting in the Industry-leading top 10 Gearless Giant Fan manufacturers in India, we deal in a vast collection of HVLS Geared Fans including Large Industrial PMSM Fans, LDLS Fans, Large Industrial PMSM Fans, Geared Fans, Large Geared Fans, HVLS Geared Fans, Giant Industrial Fans, PMSM Fans, Commercial HVLS Fans, Commercial Large Fans, Large Diameter Low Speed Fans, Large PMSM Fans, PMSM Fans, Large PMSM Fans, Industrial Fans, Geared Fans For Industries, Gearless PMSM Fans, Large Diameter Fans, Jumbo Ceiling Fans, Pole Fans, Giant Fans and many more. Want to be our clientele, contact us today.
Top Luft Stromer HVLS Fan Manufacturer
Prominent & Leading Manufacturer from Mumbai, we offer large industrial ceiling fans, single hvls fans, hvls industrial fan, three black industrial hvls fans, industrial ceiling fans and gear less hvls fans.
Copyright © 2022 SA Engineering Corporation| All Rights Reserved. Website Designed & SEO By Webclick® Digital Pvt. Ltd. Website Designing Company India


text:
Bag: Hermès Constance (18cm)
Stamp: U (2023)
Color: Sesame yellow
Material: Epsom Leather
Hardware: Brushed Gold
Measurements: 18cm
Condition: Store Fresh
Details: This bag is Store-Fresh. It has never been carried and includes all of the original accessories.
Accessories: Raincoat; protective felt; dust bag; clochette; lock & keys
Includes: Box, Receipt, Care Card


text:
Recent Books
Recent Books
Visitors |
Fatawas most read
.: Every publication which has not been mentioned in the official website is not relied on, nor ascribed to the Sheikh :.
.: The website publications in other than Islamic occasions should not be kept up with the recent events of the nation or with the occurring
calamities because they are not informative publications, but they are jurisprudential, scientific and legal topics :.
.: The website administration prohibits reproducing, translating or utilizing any part of its material for trade purposes;
and authorizes benefiting from the content of the website for research
or Da`wa on condition that there should be a reference to the site when extracting information :.
All Rights Reserved (1424 H / 2004 G – 1445 H / 2024 G)


text:
Health Insurance
in Siloam Springs, Arkansas
Shopping for insurance can easily become confusing and overwhelming, there are many different types of policies to choose from and it can be difficult to compare apples to apples. But buying health insurance doesn't have to be difficult. American Health Insurance can quickly connect you with the most comprehensive and affordable plans available in your area.
Agents are standing by to answer your questions and make sure you understand all the options available to you. Call today to compare policies and choose a healthcare plan that meets your needs. We work with top insurance carriers so that we can connect you with the right amount of coverage at the right price.
The Easy Way to Shop for
Health Insurance
Stop Searching
Stop researching insurance policies online. We'll help you easily find a plan that fits your needs and your budget.
Determine Needs
Based on your age and current state of health, we can help you determine exactly how much coverage you need.
Understand Costs
Comparing healthcare costs can be confusing. We make it simple so you won't get stuck with unexpected bills.
Compare Plans
We work with local insurance agents to help you compare options and be sure you're making an informed decision.
Need help choosing the right plan?
Find out how much you could save with a fast free quoteBEST HEALTH INSURANCE PLANS
IN Siloam Springs
Health insurance is essential to help make medical expenditures affordable. American Health Insurance helps residents of Siloam Springs, Arkansas understand their options and get the right plan at the right price.
We know that deciding on an insurance plan can get confusing. Do you need an ACA or non-ACA plan? What's the difference between the metal tiers? These are just some of the questions you may have about your insurance options. Call today, we can connect you with local insurance agents who can answer all your questions and make it easy to find the perfect health insurance policy to fit your needs.
In order to break through all the confusion, we will explore and compare the best Siloam Springs, Arkansas 2024 health insurance plans so that you can make the right decision concerning your and your family's current and future wellbeing.
COMPARE Siloam Springs, Arkansas
So, how can you compare Siloam Springs, Arkansas health plan options? The easiest way is by exploring the tiers that plans come in and looking at the type of networks they belong to. In this section, we will examine only Affordable Care Act (ACA) insurance options that can be found on your local Health Insurance Marketplace. Non-ACA plans will be explored in a section below.
An ACA plan refers to a health insurance policy that follows the standards and regulations that are outlined in the Patient Protection and Affordable Care Act (PPACA). As the name suggests, its purpose is to make healthcare more affordable and ultimately, to protect patients.
On the Health Insurance Marketplace, a Siloam Springs, Arkansas health plan will fall into one of four metal tiers. Basically, the different metal tiers are based on how you'll share costs with your insurer. It's important to note that while the tiers may be different, the quality of care that you'll receive remains the same across all tiers. Each tier is broken down as follows:
- Platinum: Insurer pays 90% and you pay 10%. Highest monthly premiums with the lowest deductibles (the point at which insurance starts to pay) and the lowest costs when you need medical care. It's a good choice if you want to get the most amount of cover and don't mind paying a higher monthly amount.
- Gold: Insurer pays 80% and you pay 20%. You can expect high monthly premiums together with low deductibles and cost of care when you need it. This tier is a good choice if you expect to need regular cover at the cost of a higher premium.
- Silver: Insurer pays 70% and you pay 30%. With the Silver tier, you can expect moderate monthly premiums combined with moderate deductibles and cost of medical care. It's a good choice if you want lower monthly premiums but with less coverage for routine care. The Silver plan is also the only tier eligible for cost sharing reductions (CSR), sometimes referred to as "extra savings". Requirements are based on your household income relative to the federal poverty level.
- Bronze: Insurer pays 60% and you pay 40%. The Bronze tier offers the lowest monthly premiums, but you can expect to have high deductibles and health care costs. It's a good choice if you want to have cover for serious injury or sickness but you can expect to pay most of the cost of regular medical care.
The Marketplace also has a range of network types. Insurers negotiate with Siloam Springs, Arkansas healthcare providers, creating a network of care that generally encompasses all your healthcare needs. This allows you to benefit from the discounts that the network offers. Going out-of-network, depending on the plan, may leave you paying for more or all of your medical bills without aid from the insurer.
The types of network plans available for ACA health insurance policies include the following:
- Point of Service (POS) Plan: With a POS health plan, you will be covered with both in- and out-of-network services. You can choose a primary care physician (PCP) from a list of providers in the network and if you need a specialist, your PCP will need to refer you. If you want to go out-of-network, then you'll need a referral from your PCP to be covered; however, out-of-pocket expenses will be higher.
- Exclusive Provider Organization (EPO): EPOs usually restrict coverage to providers within the network, unless it's an emergency.
- Preferred Provider Organization (PPO): With a PPO health plan, both in- and out-of-network care is covered. Going out-of-network for health care will cost more but you don't need a referral from your PCP to be covered.
- Health Maintenance Organization (HMO): In an HMO plan, going out-of-network will result in limited or no coverage, except in emergency situations. HMO plans usually require that you choose a PCP from the list of providers in the network, and you'll need a referral if you need to see a specialist.
With all plans, you can expect to be covered while using out-of-network medical care if it is an emergency.
Shop for insurance the easy way, speak to a live agent.
Compare affordable coverage options.How to Choose the Right
Siloam Springs, Arkansas Plan
Choosing the right Siloam Springs, Arkansas health plan for your needs can make a significant difference in both catering to your medical needs and your bank account. Even if you're happy with your current plan, it can be worthwhile to check on the new plans available to you because there are often changes to cost structures or new competitors that can cause prices on existing plans to drop.
There are several things that you should carefully consider if you are looking to change your current Siloam Springs, Arkansas plan or in choosing your first health insurance policy. Some of the factors that you must consider include the following:
- Your preferred doctor: Health insurance plans such as HMOs require that you choose a primary doctor. If you have a family doctor that you'd like to keep, then you will need to check that they are part of the insurer's network that you are considering.
- Current medical needs: This is an important factor because if you require frequent medical care, then choosing a plan with low premiums might not be the best choice because of the high cost of care, such as with a Bronze or Silver plan. Conversely, if you rarely need medical care, then choosing a Gold or Platinum package with high premiums might be a waste. Examine your past year's medical needs as a benchmark - you may find that you were well below your limits which may mean that you'll be better off with a lower tier plan.
- Future medical needs: Your future medical needs should also be considered. If, for example, you are having a baby in the near future, then your medical care needs will change and so too should your health plan.
- Prescription drug coverage: If you require specific prescription drugs, then you will want it to be covered. Check the details of the plan to ensure that you are adequately covered for your medication.
- Premium Tax Credits: If you are eligible for premium tax credits, then you may be able to afford a plan that you weren't able to before. Generally speaking, if your household earns between 1 to 4 times the federal poverty level relative to your household size, then you may be eligible. The amount you can save increases the lower your household income is.
- Dental and vision insurance: Dental and vision insurance often needs to be purchased separately and if you require these services, then that should be factored into the overall amount you are willing to spend.
- The impact of unforeseen medical needs: While it may seem like a good idea to choose a health insurance policy with the lowest premiums if you are healthy, you should consider what will happen in the event of a significant unexpected medical situation. If a medical emergency could put your financial stability at risk, then paying a higher monthly premium for greater coverage may be the better option.
ACA health plans on the Health Insurance Marketplace are designed with every type of person in mind. By exploring your options and taking a close look at your current and potential future needs, you can find a perfect plan to suit your needs.
Individual Health Insurance Plans
in Siloam Springs
Individual health insurance is available to residents of Siloam Springs, Arkansas through the Health Insurance Marketplace as well as non-ACA options. Non-ACA plans are discussed below. Having individual insurance is important to ensure that you are covered for unforeseen and expected medical needs.
As an individual, if you are healthy and do not require frequent medical services, then you might want to consider a Bronze or Silver tier plan as it will help to reduce the monthly payments that you have to make. If you have pre-existing conditions that you want to have covered, then an ACA policy is your best option because most non-ACA plans do not cover pre-existing conditions.
Coverage for
Siloam Springs, Arkansas Families
Family health insurance can be a great way to combine your whole family's health insurance needs into one package. There's no need to pay several premiums and combining your whole family into one health insurance policy is often cheaper than buying each member their own health plan.
Choosing the right Siloam Springs, Arkansas plan for your family takes careful consideration. You are not just getting health insurance for one person; the medical needs of an entire family can be exponentially greater than the needs of an individual over the course of a year. It is therefore important that you consider your financial situation with the current and future health needs of your family.
A low-premium plan such as a Bronze plan can seem financially attractive but if, for example, the whole family comes down with the flu, it can put a strain on your finances if your deductibles, out-of-pocket expenses, and copayments are high.
Children may also require considerable medical care, such as dental work and regular checkups. When all of the factors of insuring your family are put together, it often makes more financial sense to choose a plan that is better able to accommodate unexcepted and expected medical expenditures.
The family health plans available in Siloam Springs, Arkansas include both ACA and non-ACA options. If you are eligible for cost sharing reductions (CSRs) or premium tax credits based on your household income, then it can help to make family insurance more affordable. Furthermore, the Children's Health Insurance Program (CHIP) can help to reduce insurance cost if your household is eligible.
Shop for insurance the easy way, speak to a live agent.
Compare affordable coverage options.Siloam Springs, Arkansas
Group Health Insurance Policies
Group health plans refer to insurance that is gained through employers. It can cover an individual employee as well as their family. Siloam Springs, Arkansas group health insurance can also be bought as an organization of members.
Group health insurance policies are generally more affordable than individual or family insurance because the risk that the insurer takes is spread out across the members of the group. Furthermore, premiums can be paid with pretax dollars, which essentially means that as an employee with group insurance through your work, you will have to pay less in annual taxes. Payroll taxes for employers are also lower, so when it comes to their annual contributions, they end up paying less income taxes.
The types of plans, costs, and the exact terms and conditions of each group insurance plan is usually specific to that group - one group plan may have significant differences to another. If a group insurance policy is offered to you, you may choose to reject it in favor of your own insurance. The group insurance policy may also offer members the various metal tiers so that each member is able to choose a plan that best suits their needs.
Siloam Springs, Arkansas
Health Savings Account Plans
A Siloam Springs Health Savings Account (HSA) plan is similar to a savings accounts except it can only be used for eligible healthcare services and expenses. It is a way to save money for future medical expenses and has several benefits to consider.
HSA plans are only available to people with High-Deductible Health Plans (HDHPs). Generally speaking, HDHPs are used by healthy, younger people because the plan has high deductibles - the minimum amount that you need to pay for medical services before your insurer starts to pay. HDHPs have lower premiums as a result of the higher costs involved with receiving care. HDHPs are also preferred by high income households who can afford higher deductibles because of the tax benefits that HSA plans have.
HSA plans have several benefits including the following:
- Anyone can contribute: Anyone from your employer to relatives, including you, can contribute to your HSA. However, there are limits imposed by the Internal Revenue Service (IRS).
- Wide range of expenses: An HSA can be used for a wide range of medical expenses, making it flexible.
- Pre-tax contributions: The contributions made into your HSA are usually done with pre-tax dollars, which means that it isn't included in your gross income for federal tax purposes. Any contributions made after tax can also reduce your tax amount for the year.
- Tax-free earnings and withdrawals: HSAs can earn tax-free interest, and withdrawals are not subject to federal and state taxes in most cases.
- Rollover: If at the end of the year you have money left in your HSA, then it will roll over to the next year.
- Ease of use: Many HSA plans will provide you with a debit card linked directly to your HSA so that it can be used to pay for medical expenses directly.
While an HDHP can be more costly than other health insurance policies, the benefits of an HSA can outweigh the added costs involved while still ensuring that significant medical expenses are better covered.
Shop for insurance the easy way, speak to a live agent.
Compare affordable coverage options.Siloam Springs, Arkansas
Short-Term Health Insurance
If you are in need of Siloam Springs, Arkansas health insurance for a relatively short period, such as during a period of unemployment before getting health benefits at a new job, then short-term health insurance can be an ideal choice. However, Siloam Springs short-term health plans are not qualified under the Affordable Care Act. What this means is that this type of insurance doesn't have to adhere to the same rules as the health insurance policies found on the Marketplace.
While short-term insurance does not offer the same level of coverage that you can expect from an ACA plan, it does have various advantages. Short-term insurance is a good solution for someone who doesn't want the added costs of ACA plans because they don't need all of the usual cover. For example, a healthy, young person may want to use short-term insurance as a temporary insurance solution, knowing that their general healthcare needs are minimal. However, most plans only last for around 3 months with the possibility for renewal. They can usually be extended up to 12 months depending on your state.
It is also a good solution if one of the following applies to you:
- You are waiting for your main insurance plan coverage to begin.
- It can be an insurance option if you are waiting for Medicare coverage to start.
- You missed the Open Enrollment period (the annual period where ACA plans may be purchased) and need coverage in the interim.
Short-term plans don't cover pre-existing conditions and other benefits that are covered by ACA plans such as childbirth, mental healthcare, and preventative care.
Health Insurance Enrollment
in Siloam Springs, Arkansas
The Health Insurance Open Enrollment period is an end-of-year period when you can purchase an ACA healthcare plan from your local Siloam Springs Health Insurance Marketplace. It is generally open for a few weeks between November and December.
Even though you may be satisfied with your current health plan, it is advised that you review the offers available in Siloam Springs, Arkansas every year. You may find a better suited deal or something a bit more affordable with the same level of coverage as you currently have.
If you missed the Open Enrollment Period and need insurance, then you may:
- See if you qualify for the Special Enrollment Period: Various things can qualify you such as getting divorced, getting married, a death of someone in your health plan, had a baby, and more.
- Purchase insurance through a broker or agent: This can be done at any time of the year. The broker or agent can help you to choose a non-ACA plan such as short-term insurance.
- Purchase insurance from an insurance provider: Alternatively, you can go directly to an insurance provider and browse their non-ACA plans.
Under the Affordable Care Act, plans on the Marketplace must provide essential benefits. These benefits include most common and emergency services that one would expect from a comprehensive Siloam Springs, Arkansas insurance plan.
The 10 essential benefits that are offered by health plans on the Marketplace include:
- Emergency services
- Care for pregnant women, newborn care, and maternity
- Hospitalization
- Care you receive outside of hospital admission such as ambulatory services
- Prescription drugs
- Rehabilitative services, including devices
- Laboratory services
- Pediatric services such as vision and dental care (for children)
- Chronic disease management and preventative services
- Care for substance use disorder and mental health
While essential benefits are required for plans to be sold on the Marketplace, some plans may offer additional services such as vision and dental coverage.
Shop for insurance the easy way, speak to a live agent.
Compare affordable coverage options.The Health Insurance
The Health Insurance Marketplace, also known as "exchange", is where you will find all of the health insurance policies that fall under the Affordable Care Act available in Siloam Springs, Arkansas.
In most states, the federal government will be in charge of the Marketplace, but some states may run a Marketplace of their own. Agents can help you easily enroll in a Marketplace plan.
Non-ACA Plans for Residents
of Siloam Springs, Arkansas
Non-ACA health plans encompass all insurance options that are not sold on the Marketplace. This means that these plans do not need to follow the same guidelines as the plans found on the Marketplace. While the ACA is meant to make healthcare more affordable, it can be cheaper for a healthy person to get a non-ACA health insurance policy if no significant unexpected medical events occur.
There are many non-ACA plans available, and the plans can vary greatly from one insurance provider to the next. Short-term insurance, as discussed above, is one of the common non-ACA plans. Some of the other common non-ACA policies available in Siloam Springs, Arkansas include the following:
- Critical Illness and Accident Insurance: This type of plan is aimed at covering severe and unexpected medical situations such as vehicle accidents, illness, or injury. There is usually no cover for regular checkups and care.
- Limited Benefit Indemnity Insurance: With this non-ACA plan, you are covered at a fixed rate for each of your medical service needs. It tends to be limited in the type of care that it covers, such as limited or no cover for inpatient care. There are also usually no annual deductibles.
Health policies outside of the Marketplace serve a purpose and many people prefer it over ACA plans because it covers their minor medical needs while being more affordable. It may also be a way to stay insured while between major insurance plans (ACA plans).
Siloam Springs, Arkansas
Health Insurance FAQs
Residents of Siloam Springs often have questions they need answered before making a decision on health insurance. To help you better understand your options, here are answers to a few frequently asked questions:
A health insurance policy can protect you and your loved ones from unforeseen medical problems while making everyday medical expenses more affordable. Call us today to explore your options. Agents are standing by make it easy for you to find a plan that is perfect for your needs.
Shop for insurance the easy way, speak to a live agent.
Compare affordable coverage options.Find Coverage for Your Whole Family
in Siloam Springs, Arkansas
If you're looking for coverage for your family in Siloam Springs, Arkansas, American Health Insurance will connect you with top insurance providers who can help you compare options to suit the needs of everyone in your household.
As you shop for a plan for your family, you will want a plan that provides the options to see a variety of different doctors and specialists. If you have, or plan to have, children you will want to make sure that you have a plan that covers every aspect of pregnancy as well as pediatric care. As you grow older your health insurance needs tend to increase.
If you are struggling with health issues now that could potentially get worse in the coming years, you want to double-check and see what Siloam Springs specialists are covered by your plan.
Protect your family's health.


text:
FULL DISCLOSURE: We earn some money from running this blog.
You can learn more about FTC guidelines at https://www.ftc.gov/
We Review
Dicenboard is stoked to provide you with honest, thoughtful, and unbiased reviews of many Analog games-related products. We know it's important for those considering trying a new product to read an unbiased review. Any commission we receive does not affect the integrity of our review. In fact, we sometimes recommend products that make us less money – or no money at all.
We Provide Testimonials
At times, we share testimonials with you. Testimonials are important because they help you understand the benefits of the products through someone else's eyes. We only provide these for products in which we have full confidence. If you decide to partake of these benefits, we will receive a small commission.
We Do Have Affiliate Links
You may have noticed on our website that we sometimes have links to other sites that sell products. Again, we only link to those products in which we have faith. When we receive a commission from an affiliate site, it helps us defray costs. Actually, we may be able to give you savings on these products by providing coupons and special deals.
We Sometimes Make Endorsements
We do not endorse products lightly. Through research and our own personal experience, we select only products we are comfortable endorsing and frequently test products before publishing opinions (budget permitting).


text:
Height | 0.625 inches |
Length | 2˝ inches |
Width | ľ inches |
All specification of products on
this page are provided by the Manufacture. WWW.LIGHTINGZILLA.COM is not
responsible for any differences, on size, color, and other spects.
If you have any concern please contact us or manufacture.
Not an interior designer? We understand and want to help! Browse our Design Ideas page for andwers to common design questions and get tips on how to choose the lighting that's right for you! Click Here


text:
Cardiac Catheterization Lab
Can I donate blood for my child?
Directed blood donation is when blood donors donate blood for transfusion of a specific recipient. Altruistic blood donation, on the other hand, is when blood donors donate blood for general blood inventory.
Are kids consuming too much caffeine?
According to a 2014 study in Pediatrics, 73 percent of children consume caffeine on a daily basis. This percentage remained about the same from 2000 to 2010, but what did change were the sources of caffeine.
National Physical Therapy Month
October is National Physical Therapy month and we invite you to read a little bit about who we are and what our profession strives to accomplish! During October we hope to bring additional awareness to the American Physical Therapy Association's mission to transform society by optimizing movement to improve the human experience.
Fall common symptoms: Colds and allergies
During school time, children are exposed to others who might have viral infections; and during the Fall season, ragweed pollen, a potent allergen, is abundant in the air. The level of mold spores also increases, particularly in places recently flooded.
Experienced Physicians
Your health is your most important asset. You should entrust it only to the best professionals.
Personalized Treatment
Treatment choices perfectly match your goals of treatment complications with early intervention.
Quality and Safety
All team members at Medical Center have been trained thoroughly to assist in any situation.


text:
Not registered yet?
Register now! It is easy and done in 1 minute and gives you access to special discounts and much more!
My LandBigFish - Member Login
This section is reserved for "LandBigFish Members". Login to continue to this section. Otherwise, please register for FREE to have access to the number one fishing resource for anglers. |
© 2015. LandBigFish.com LLC


text:
Are you seeking top-notch rug and carpet cleaning services in Fond du Lac, Wisconsin?
Look no further! In this article, we present a comprehensive list of the 2 best cleaning services in the area.
From deep cleaning to stain removal, these professionals are equipped with the tools and expertise to make your rugs and carpets look like new.
Whether you have a high-traffic area or a delicate antique rug, you can trust these local experts to provide exceptional results. Keep reading to find the perfect rug and carpet cleaning service for your needs!