Personal Accident and Health Insurance in Austria, Key Trends and ...

Synopsis
The report provides in depth market analysis, information and insights into the Austrian personal accident and health insurance market, including:

The Austrian personal accident and health insurance markets growth prospects by personal accident and health insurance categories
The various distribution channels in the Austrian personal accident and health insurance market
The competitive landscape in the personal accident and health insurance market
A description of the personal accident and health reinsurance market in Austria

Summary
The Austrian personal accident and health segment was the third-largest segment in the overall Austrian insurance industry in terms of gross written premiums in 2011. The steady growth in Austrian personal accident and health insurance written premiums was mainly due to rising healthcare expenditure by the Austrian government and the increasing focus on healthcare from the Austrian population. The segment also benefited from the increasing number of outbound passengers due to the countrys improved commercial relationships with the worlds leading economies.Scope
This report provides a comprehensive analysis of the personal accident and health insurance market in Austria:

It provides historical values for the Austrian personal accident and health insurance market for the review period (20072011) and forecast period (20122016)?
It offers a detailed analysis of the key sub-segments in the Austrian personal accident and health insurance market, along with market forecasts until 2016
It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions?
It analyses the various distribution channels for personal accident and health insurance products in Austria?
Using Porters industry-standard Five Forces analysis, it details the competitive landscape in Austria for the personal accident and health insurance business
It provides a detailed analysis of the reinsurance market in Austria and its growth prospects
It profiles the top personal accident and health insurance companies in Austria, and outlines the key regulations affecting them

Reasons To Buy

Make strategic business decisions using in depth historic and forecast market data related to the Austrian personal accident and health insurance market and each sector within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Austrian personal accident and health insurance market
Assess the competitive dynamics in the personal accident and health insurance market, along with the reinsurance segment
Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing the Austrian insurance market and its impact on companies and the market?s future

Key Highlights

The expenditure on public and private healthcare systems is expected to rise substantially over the forecast period, because of the increased focus by the Austrian government to support the Secio affluent lifestyles of its citizens. This should generate more demand for healthcare insurance products over the forecast period.
The increasing number of outbound travelers from Austria and the countrys improving commercial relationships with neighboring countries is expected to support the growth of the travel insurance category over the forecast period.?
Due to regulatory changes, it is assumed that smaller insurance companies will be acquired by larger companies, which will lead to further consolidation in the market over the forecast period.?
The Austrian personal accident and health insurance segment is dominated by multinational companies. Large foreign insurers, such as UNIQA Group, Vienna Group, Allianz Group and Generali Group, operate wholly owned subsidiaries in Austria, and these subsidiaries play a significant role in developing the segment.

Original Post Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2016 source Researchmoz Market Research
Austria Reports

Source: http://www.healthcarestoreonline.com/wiki/personal-accident-and-health-insurance-in-austria-key-trends-and-opportunities-to-2016

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Voice Dictation Technology A Great Tool For ... - Retirement Homes

It?s incredible how quickly technology changes. In fact, constant change is really the only characteristic of technology that you can count on. Digital technology never stays in one spot. It is constantly in a state of redevelopment and modification. We always try and make the tools we use better, more helpful, more efficient, and overall more accessible for everyone. Even the way we control our technology and interact with it changes frequently.

For instance, as I write this article, I have no keyboard or mouse. Nor am I in my office sitting at a desk. Instead, I?m in a public wireless Internet zone, using an iPad as a dictation tool. I simply speak into the microphone included on the iPad and it types everything that comes out of my mouth. It?s a really neat technology if you?ve never tried it before. However, I did need to learn how to use it properly first.

Voice dictation is something that?s been around for a long time, relatively speaking. Some readers might recall a computer program called Dragon Naturally Speaking, which was a pioneer in voice recognition and dictation. In the early stages of Dragon, the user of the technology would spend hours and hours ?training? the program to understand their voice.

Users would read passages out of a training manual, which slowly trained the program to understand that one particular user. However, when someone new wanted to use the same program, they too would need to complete this lengthy process. At best, once the program was fully set up, it did a decent job of recording the user?s voice in printed text, not great.

The difference now is staggering. Dragon is still available, along with several other voice dictation options, but now, ?out of the box?, these tools are ready to go, no setup or ?training? required. However, to be clear, there are assumptions about the users. For instance, in North America, our technologies normally require users to speak English. Someone with a heavy accent or speech impediment will likely have more difficulty using voice dictation technologies.

There are a few rules of thumb to using dictation technologies, like those available on iPad, Android tablets, and smart phones. First, the user must speak slowly with little or no emotion in their voice, almost as though you are imitating a robot voice. Also, users should speak clearly and annunciate their words, so the dictation tool can really hear the different parts to the word. This helps improve the accuracy of the dictation quite a bit. After you?ve tried this a few times, you?ll get the hang of it!

Whether you?re writing a lengthy email to a family member, taking notes at your retirement home?s resident council meeting, or recording your memoirs to share with your loved ones, new voice dictation technologies are making this chore super simple to accomplish.

It only gets easier from here!

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Source: http://www.retirementhomes.com/library/voice-dictation-technology-a-great-tool-for-seniors/

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Women's mountain bike rides to begin at Freedom Park - blog*spot

The Eastern Virginia Mountain Bike Association (EVMA) will host a women?s only mountain bike ride on Sept. 1, 9-11 a.m. at Freedom Park.? Rides are also scheduled for Oct. 6, Nov. 3 and Dec. 1. The bike rides are open to all ages and experience levels and will include novice and intermediate/advanced groups. Riders will meet outside the Freedom Park Interpretive Center located at 5537 Centerville Rd.?

Participants will have the opportunity to learn the trail system of over 20 miles of single-track and multiuse trails, meet fellow female riders in the community and learn the ins-and-outs of mountain biking. In addition to a bike and helmet, riders are encouraged to bring water bottles and/or hydration packs.

Freedom Park is open daily from 7 a.m. until sunset. The Interpretive Center is open Monday through Friday from 10 a.m. to 5 p.m., and Saturday and Sunday from 9 a.m.to 5 p.m. For more information, stop by the Park, visit jamescitycountyva.gov/recreation or call 757-259-4022.

101-D Mounts Bay Road
Williamsburg, VA 23185
P: 757-253-6864

jamescitycountyva.gov

Source: http://williamsburgfamiliessports.blogspot.com/2012/08/womens-mountain-bike-rides-to-begin-at.html

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7 essential Android apps for college students

So you (or your child) are going off to college this fall? Don't forget to pack a toothbrush, some extra-long sheets, a great laptop, and all the important tech gear. These essential apps for your Android phone will help keep you organized, productive, awake, and ready to tackle the challenges of higher education ? and maybe even have a bit of fun along the way!

1. Oxford American Dictionary and Thesaurus for Android
Price: $19.99
Download: Oxford American Dictionary and Thesaurus
A good dictionary and thesaurus used to be a standard fixture on every dorm room desk. While their utility hasn't changed, their form has! With this app, you can carry around a full dictionary and thesaurus on your phone. More than 200,000 dictionary entries and definitions and more than 300,000 synonyms are included, and you can search online or download the dictionary directly to your mobile device.

2. Virt U: The Virtual University
Price: Free
Download:Virt U
This app lets you download and watch lectures from universities such as MIT, Harvard, Berkeley, and Stanford right on your phone for free. Whether you're looking to complement your existing courses or brush up on other subjects that interest you, you're sure to find something among the hundreds of lecture videos available for both online and offline viewing. Connect with friends and post favorite lectures to Facebook, and join in discussion on Virt U's forums.

3. Droid Scan
Price: Free for Lite, $7.49 for Pro
Download:Droid Scan Lite, Droid Scan Pro
Not everyone has completely converted their lives (or classes) to a digital format yet, which is why Droid Scan is such a valuable app. It allows you to use your phone's camera as a scanner, turning photos of documents into high-resolution documents you can then open on your computer, save, organize, or share. We certainly wouldn't recommend skipping class and then just scanning your friend's notes, but this app could be helpful for taking photos of whiteboards, handouts, or even the menu of your favorite takeout place. Droid Scan Lite allows you to save files as .jpegs; the expanded Pro version gives you more file formats and better scan quality.

4. Evernote
Price: Free
Download:Evernote
We're pretty big fans of Evernote here at Tecca. This great note-taking app works in conjunction with a Web app and the desktop program, syncing your notes between all three. You can type notes, take photos, record voice memos, and create to-do lists that are easy to find on all of your devices. The Evernote app is free, as is a basic account, or you can upgrade to a pro account with extra features for $5 per month or $45 per year.

5. Studious
Price: Free
Download: Studious
There once was a time when students kept their class and homework schedules in physical notebooks, but those days are long gone. Studious does it all for you, right on your phone. When you put in your class schedule, it automatically silences your device during class time and reminds you of upcoming homework and tests. Save text notes and photos so you don't miss a thing.

6. GrubHub
Price: Free
Download:GrubHub
Everyone's gotta eat, and sometimes you just don't have time to take a trip to the student union cafeteria. GrubHub makes it almost ridiculously easy to order food for delivery right to your door! Using GrubHub's database of more than 25,000 restaurants in more than 300 cities around the country, you can browse menus and read restaurant reviews, recall past orders, and save multiple addresses for quick access, then place your order right from your phone.

7. Alarm Clock Xtreme
Price: Free
Download:Alarm Clock Xtreme
Don't sleep through your most important classes! Snooze button mashers and gradual awakeners, rejoice ? there's an alarm clock app for you. Alarm Clock Xtreme works for everyone, no matter what your sleeping and waking habits might be. You can set it to wake you up gently and gradually, set a variable snooze duration, and even set it to require you solve math problems before it will turn off the alarm. The app also features a countdown timer and lets you set reminder alarms for events throughout the day.

More from Tecca:

Source: http://www.msnbc.msn.com/id/48189836/ns/technology_and_science-tech_and_gadgets/

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Atherea, Age of Peice.

Atherea, the land of the New Gods, has been in a state of peace for sense the 2nd Reckoning. But now Atherea lies in the grip of a cultist group who still believes in the Old Ones, the Old Gods. Armed with a shocking new power, will Atherea survive?

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Atherea, Age of Peace.?. Anything posted here will also show up there.

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

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A Human.Can I reserve one, please?

"You can not simultaneously prevent and prepare for war." ~ Albert Einstein.

Ally-loves-you

Member for 0 years

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Well sure! :3 *writes it down* Ally-Loves-You, human.

Mathew Littlepaw

Member for 0 years

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Yey, I am gonna be a human.Mom needs to know that, too!!Hehe.:)

Ally-loves-you

Member for 0 years

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Storms May Speed Ozone Loss Above the U.S.

Summer storms in the United States inject water into the atmosphere at altitudes up to 20 kilometres, accelerating ozone-destroying reactions. Image: Rick D?Elia/Corbis

Showcasing more than fifty of the most provocative, original, and significant online essays from 2011, The Best Science Writing Online 2012 will change the way...

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From Nature magazine

Summer thunderstorms across the United States inject water vapour far higher into the atmosphere than was previously believed, promoting a cascade of chemical reactions that could pose an increased threat to Earth?s protective ozone layer as the climate warms.

James Anderson, an atmospheric chemist at Harvard University in Cambridge, Massachusetts, and his colleagues made the discovery while investigating the origins of high-altitude cirrus clouds ? thin and wispy formations that blanket the sky and trap heat, contributing to the greenhouse effect.

Anderson?s team expected to see summer storms supply cirrus clouds by pumping water vapour up to an average altitude of about 14 kilometres. Instead, the researchers report today in Science1, about half of the storms that they studied injected vapour to altitudes of between 15 and 20 kilometres.

?We were shocked,? says Anderson. ?Standard, run-of-the-mill Midwestern thunderstorms are far more capable of injecting water vapour into the stratosphere than we once thought.?

There are significant implications for stratospheric ozone, which shields the Earth from ultraviolet radiation. Ozone can be destroyed by reactions with chlorine and water ? and the rates of those reactions are governed mainly by temperature and the presence of water vapour. If, as expected, storm activity increases owing to global warming, says Anderson, the proportion of water in the stratosphere will increase, leading to accelerating destruction of stratospheric ozone ? and an increase in the amount of ultraviolet radiation reaching Earth.

Climate calculations

Andrew Dessler, an atmospheric scientist at Texas A&M University in College Station, says that further observations are needed to understand all the implications. ?I?m not at all surprised that this happens,? he says, ?but I think a challenge is really going to be quantifying all aspects of the problem? including the frequency of the water-vapour injections and any resulting stratospheric chlorine reactions.

The affected area of the stratosphere ? between 15 and 20 kilometres in altitude ? contains about 20% of the total stratospheric ozone, and Anderson says that the water-vapour injections could provide conditions for rapid ozone destruction similar to those that scientists have been investigating for decades in Antarctica and more recently in the Arctic.

Currently, water vapour occupies about 5 parts per million by volume (p.p.m.v.) of the affected parts of the stratosphere. If that were to increase to 12 p.p.m.v., up to 25% of the ozone in the affected zone could be destroyed within a week. If water-vapour content climbed to 18 p.p.m.v., about 35% of the ozone could be destroyed in the same time frame.

Kerry Emanuel, a climatologist at the Massachusetts Institute of Technology in Cambridge, says that the study adds urgency to an issue that his profession has yet to clear up: how will storms respond to climate change? ?We really don?t know the answer to that,? he says. ?This is a surprisingly under-developed field.?

Geoengineering risk
The study also raises questions about geoengineering ? the concept of manipulating the environment to mitigate climate change. One method of geoengineering currently being considered would involve pumping sulphate aerosols into the stratosphere to reflect sunlight back into space and cool the planet. But sulphate particles also act as catalysts for ozone-destroying reactions, so such a scheme could speed the reactions. ?The worst cocktail you can think of is to inject a combination of sulphur and water into the stratosphere, and that is exactly what would be happening,? says Anderson. ?Nature would be injecting the water, and humans would be injecting the sulphates.?

Source: http://rss.sciam.com/click.phdo?i=89e608d15cfa6afd02f053b503490e3a

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"You let your dad down": Twitter troll taunts Tom Daley about dead father after diver misses out on Olympics medal

Police have said they are "actively looking into" the tweet by Rileyy69 which said: "You let your dad down i hope you know that"

Missed out: Tom Daley and his diving partner finished one place outside the medals

Clive Rose

Tom Daley has hit out after a sick Twitter troll accused him of letting down his late father in the Olympics today.

Daley and his partner Pete Waterfield missed out on a medal when they finished fourth in the men's synchronised 10m platform diving event at the Olympics.

Afterwards Daley, whose father Rob died following a cancer battle in May last year, retweeted a message he?d received from ?@Rileyy_69? which said ?you let your dad down i hope you know that.?

The same user sent several other tweets to Daley, including ?hope your crying now you should be?, ?I?d rather support a tramp? and ?he's a little boy who's competing against men?.

At first, once Daley had brought the tweets to the attention of his half a million followers, @Rileyy_69 changed tack and apologised for the jibes.

Troll @Rileyy_69 apologises to Tom Daley

He posted: ?I'm sorry mate i just wanted you to win cause its the olympics I'm just annoyed we didn't win I'm sorry tom accept my apology.?

As the subjects #GetRileyy_69Banned, #ThingsBetterThanRileyy_69 and Rileyy became among the top trending topics in the UK, he sent further messages, saying: ?please i don't want to be hated I'm just sorry you didn't win i was rooting for you pal to do britain all proud just so upset?

He added: ?i never knew your dad past away I've only just found out my mum past away to man.?

Soon, though, he continued the abuse with a string of tweets containing four-letter words aimed at Daley and Sky News.

Tonight, Dorset Police tweeted: "Regarding tweets to @tomdaley1994 - we are aware of the issue and we are actively looking into it."

Daley also retweeted a link to a petition to ban @GetRileyy_69 from Twitter. It attracted over 10,000 signatures in its first five hours.

Strong bond: Young diver Tom Daley going for gold

Andy Stenning

Daley will now have to wait until the individual platform on the penultimate day of the Games to claim an Olympic medal - the only honour to have eluded him so far in his career.

The 18-year-old will leave the Olympic Village and return to a training base in Southend for six days in preparation for his anticipated clash with China's world champion Bo Qiu.

Daley memorably beat Bo to win the world platform title as a 15-year-old in Rome, but the Chinese has proved unbeatable since.

Speaking before the Olympics, Daley revealed his father "gave me all the inspiration that I've needed".

The 18-year-old told the BBC: "Winning a medal would make all the struggles that I've had worthwhile. It's been my dream since a very young age to compete at an Olympics.

"I'm doing it for myself and my dad. It was both our dreams from a very young age.

"I always wanted to do it and Dad was so supportive of everything.

"It would make it extra special to do it for him."

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BBC

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Source: http://www.mirror.co.uk/news/uk-news/tom-daley-twitter-troll-taunts-1190741

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