How To Plan For Your Future With The Financial Decision-Making Tools.
No one knows what will happen in the future. It is easy for you to have a job and a steady income today. But we all know that the future has a way of changing. You are always encouraged to take the best measures to be prepared for your financial future.
If you don’t take the right steps in securing your future, it is easy for you to find yourself in problems in the future. A job may not be permanent as you may lose it anytime and you may also lose all your money. If you don’t want to be in trouble in the future, it is better to make sure that you are prepared well.
If there is one thing that has a habit of changing is the value for money. It has never been stable and this has caused the speculation of the future to be a bit tricky. There are those people who are known for buying stocks with the expectations that the future will be bright. There are those who invest in the stock market and pray that things turn out better for them. The only problem is that you will need to have the right information that will help you to invest in this way.
By now, you already know that the best gift you can give to yourself is by investing in your future. Nonetheless, always ensure that you have the right information that will assist you with this. If you don’t have this information, it might not be easy for you to make the right decision. The right tools and information will only mean that you make the right choice.
Today, we have many companies that can assist you with this. One of the best things about these companies is that they have the right expertise to assist you. They understand the market and have the right information that will help to grow your investment. The only problem is that finding the best company. This is why people are encouraged to ensure that they do research about these companies before settling for any. That’s why many people are encouraged to use the services of Personal Capital.
The best thing about these companies is that they are popular across the world. They are among the best in the business and have been doing it for ages. The best way to know about their capabilities is by reading their reviews. You can check out the Personal Capital Review to know more about it. You can also read the Betterment Review to know more about Betterment. Make sure you contact these companies for your financial advice.
Hire a Wedding Planner for Hassle-Free Wedding Preparations
A wedding planner is someone who takes the burden off the shoulders of the bride and groom when it comes to their wedding preparation. You can trust a wedding planner to have the right connections and they also have creative knowledge. Wedding planners about what they do so they don’t really treat it as a job.
Wedding planners offer three different types of packages. It will depend upon the need and the budget of the people concerned, especially the bride and groom. The full service, partial service, and day planner service are the three packages offered by wedding planners.
From the hiring to the end of the wedding celebration, the wedding planner is at his job. As a family representative, he negotiates for them and keeps communication lines open to all concerned. If family members don’t agree to certain things, the wedding planner acts as mediator.
A wedding planner can set the budget and see to it that the expenses are within the given budget. He is also responsible for choosing a venue for the ceremony and venue, and for booking photographers, videographers, florists, entertainers, and bridal car. In order to minimize vendor costs, he will be negotiating for a lower cost, and he will create a timeline that he will make sure to be followed by all. He also takes charge of rehearsals and the wedding day itself. He is also responsible for the jobs necessary after the wedding. All these services are included in a full service package.
The second package is the partial package where the wedding couple designs their wedding and the planner acts as a guide and assistant to the couple. The bride and groom will make decisions and the planner only give professional opinion based on his knowledge of event planning.
The responsibility of a partial planner are to collect all information about the bride and groom, meet all concerned parties and help in the evaluation of the budget. He will negotiate prices with vendors and establish the timeline. He will be present at the catering meeting, at the rehearsal, and at the wedding and reception. He may also attend to post wedding needs.
A day planner sees to it that whatever the bride and groom planned goes smoothly as expected. He makes sure that the vendors are directed properly. The timeline is his most crucial task. The exact timing has to be executed according to the planners design. Organizing rehearsals, assigning staff to the bride and groom during the wedding, checking the vendors at the wedding and ensuring the timeline are the responsibilities of a day wedding planner. He can also see to it that after wedding jobs are done.
It is the wedding couple that decides what package they want. The can hire a part time or day package if they have time and specific plans. The full service package is for couples who has no more time to make wedding preparations.
You will need to hire a home cleaning agent to clear all the dirt in your newly constructed home so that you can comfortably live it. Getting better cleaning service is inevitable, and this is the reason why you are supposed to ensure that you are employing a qualified expert. Remember that there are a lot of post construction material and garbage to be removed from the premise. It is necessary for one to be sure that the firm responsible for doing this work can access essential machine to work efficiently. As long as you have the responsibility of cleaning a home that has just been constructed, you are supposed to know that the task is not an easy one. You will need hard dust surfaces, clean the box that holds the water valve, dust and wet wipe the baseboard and many other chores. This is the reason why the firm that you hire is expected to have experienced workers who will be able to take care of every area of the house accordingly. You are supposed to be assured that the people who will be sent to clean your home will be in a position to handle the cleaning equipment and agents.
It is also wise for you to make sure that your carpet is clean. One can easily contract a disease by living in a home that has a dirty rug. One can consider taking their carpet to the Louisville carpet cleaning experts so that they can clean it for them. One of the processes used in cleaning the carpet which is prevalent is sweeping. You cannot vacuum your carpet and expect it to be 100% clean. If you want to have a clean rug which does not have any soil, you should employ any necessary cleaning detergent useful in removing all the stains. Since removing the different types of dirt requires various equipment, it is wise that you have a professional who has the machines. Home owner should know that the cleaning equipment is expensive and there is no need to buy them. On the same note, you are supposed to make sure that you hire a firm which will deploy experienced experts to clean the carpet for you. On should not spend more than what is necessary paying the people cleaning the carpet for them and this is the reason why you are supposed to make a price comparison.
Why should you consider cleaning your house too? The place where we live should always be clean and comfortable. Dusting your house will assure you of breathing in fresh air. Any part of the home that requires particular attention besides dusting will be taken care of by the Louisville cleaning agent. Many are times when we get a lot of work to do until we are not able to clean our homes. This is not enough reason to keep our homes dirty because we can hire a cleaner.
Buying the Best Crabs
Choose the best crab when you decide to buy. Easily achieve this by selecting the freshest and fleshiest. You can choose the best crabs through the following ways.
The mud crab is the star ingredient to many. The larger varieties of the mud crab come from Sri Lanka. Where you are eating it from notwithstanding, you will need the meatiest ones to give the most bang for the buck. Although size is one of the factors to consider, it cannot be said to be a rule of thumb when it comes to choosing the best crab. You will be disappointed if you choose the freshly molted ones since as you will find out, they can barely fill their shells. The following tips will empower you when it comes to choosing your crab.
The first thing that is necessary to consider is to look at where the crabs are kept. The ones kept in a dry place should be your first bet.This is because the ones stored in water tanks will use up more energy and end up losing their energy reserves more rapidly.You may try to find out from the seller when the crabs were actually caught. Kindly leave crabs that have more than two days after being caught.
Do not ignore the crab’s activity level.The crab that you buy should not be either be dead nor dying. What you want is a live crab.The reason for this is that the carcass has a very short lifespan.Your choice should be the ones that are feisty and aggressive. If there aren’t any that are feisty and aggressive, choose the ones that are at least moving.
The crabs belly is another thing that you will need to inspect.Take special consideration to the underside, specifically the light-colored flap.The difference between males from females is that the bellies of the males are narrower while the females are wider and rounded.Also, feel the firmness of the belly since a fleshy crab will have a yellow belly that is tinted and bulging.This can easily be done by use of a finger that easily tests firmness in the belly.
Choose crabs that have dull shells. Do not go for the bright ones.Actually, the ones with battle scars or even scratches are better.If a shell is worn out, it means the crab is about to molt and shed the shell it has, and it is also fleshy.It is also helpful to suss out the smell.
The quality of the crab can also be checked by looking at the crab’s claw. The way the crab claws are used is another way to check. Pay emphasis on the right claw that is used to crush the prey.Are there any blunt or fluttered teeth?
The Right Way to Deal With a Wrongful Death
If a society is going to survive and thrive, a strong legal system is mandatory. It is what prevents us from devolving into anarchy. As we are all aware, though, law is an incredibly esoteric field. If you find yourself in a legal situation, you shouldn’t try to do everything on your own. There are professionals willing to help you, and they are just a phone call away.
One of the most powerful forces in the world is the personal recommendation. If you look at everyone you know, one of them has probably dealt with a wrongful death attorney at some point in the past. Remember, past behavior predicts future behavior; if an attorney did a good job for one of your friends, he or she will probably do a good job for you, as well. If there’s an attorney that you trust, you should ask him or her for an recommendations as well.
If there is a courthouse near you, it may be possible to meet wrongful death attorneys there. This is actually very basic; all you need is a good set of communication skills. The majority of cities have a small legal community where everyone knows everyone else. This means that every local wrongful death attorney should be able to refer you to someone who can help.
The ultimate goal is finding someone that you can trust implicitly. Today, there are more resources than ever when it comes to finding a good wrongful death attorney. Start your search by looking over the white pages. Usually, a phonebook will contain countless advertisements for local attorneys. As you might imagine, the next step in your search should be to go online. You should find that by visiting a lawyer’s website, you should be able to learn a great deal of relevant information. By reading this information, you should quickly be able to decide whether or not this attorney has the skill to represent you. If you want to win your claim, it’s crucial that you find a skilled wrongful death lawyer.
After the list has been put together, you need to make a few calls. As great as a website can be, there is nothing that is as informative as personal interaction. No two trials are the same, so make sure you give your attorney the details of the case. You should also discuss your own thoughts and feelings about the trial. You and your attorney are going to be working on a personal level, so you should feel confident talking to him or her. If you want to earn money for your hardship, you need to find a skilled wrongful death lawyer.
Land Cleaning Solutions to Consider
Making the field a workable farm is what every farmer wants to see. See the best out of their farm is their dream. For a land that has been lying bare for quite some time, clearing won’t be easy. All trees and trumps are cleared by the clearing companies. This makes the land more productive. Various machines are used in the clearing some of them being the air curtain burner. Wood waste in the field is removed from the farm by the use of this machine. It therefore gives you a farm which you can use immediately.
All the piles of wood in your land are removed. All the massive burnt piles and stumps which were hard to remove are all removed. Clearing of the land needs to be done in an environment friendly way. Fields have different issues which are hard to deal with mainly being a hard pan and stony grounds. The mulching machine is used in sub soiling and rock crushing. Through it, pulverizing of trees, roots and rocks is also done.
The right tools helps in clearing your plots and assures you that your construction will begin. The recycling service is another aspect of the recycling of agricultural plastic. The overall recycling service is tailored to fit the farmer’s needs. To build the customers confidence, an audit trail is done. The audit is always in line with the UK and the Eu regulations on the recycling. Waste disposal regulations include the plastic disposal waste transfer notes. The recycled plastics are fully traceable in the regulated system.
Like other plastics, wood waste is also recycled. The recycling of wood waste has a great impact in the general environment. Companies which make these products collect a lot of wood waste. Wood waste turns out to produce high quality wood chip as a byproduct. This therefore is the production of new board. Secondary fuel is also produced for biomass plants and broilers. Recycling wood waste is a solution which is ecofriendly. It is a sustainable option to minimize costs for your business. Landfill taxes charged on the land are avoided thus costs are low.
After a tree has been cut, many farmers may want the stamp removed. Removing the stump may be because of the building that needs to be erected in a certain place. Stump grinder is used in the stump removal. The solid wood is cut by this machine into small chippings which thus getting rid of the stump. The chipping are later used as mulch in the farm. The stump is usually removed because they are eyesores. Weeds in the farm look better than these trumps thus they need to be removed totally. The trumps occupy a very large space, the space which could be used for their functions.
Why You Should Consider Wooden Toys for Your Kids
Kids love to play as they grow and develop, and they find toys very handy. As a parent, you need to get your kids toys that are not only fun to play with, but also educational and safe. For instance, wood toys for babies provide an enjoyable and learning experience for kids. Read on to discover why wood toys are some of the best for toddlers:
Toy stores are filled with modern hi-tech products that are merely enjoyment and pastime for kids. Such a toy may make a lot of noise besides being over invigorating. Yet, wood toys tend to inflame imaginative engagement in kids. With these toys, kids are able to participate in meaningful play, building their problem-solving and cognitive capabilities. Kids will certainly use the acquired skill a lot in their entire life. The natural surface texture of a wood toy triggers a child’s senses, igniting desire for contact and discovery. For instance, kids can have fun with wooden blocks they can use to create architectural forms or arrange letters.
Wood toys are safe for earth, and as such, wood is not hazard to our environment. Such high-quality toys are made from biodegradable materials or sources that can be recycled.
In upholding environmental safety, wood toy manufacturers rely on numerous alternatives. For instance, they could harness timber from farms where rubber trees are replanted. Wholy-harnessed old rubber trees are cleared from the plantations so that new trees are grown, maintaining supply. The replaced rubber plants decompose organically, and they won’t harm any water, air, or soil.
Since the products are manufactured from plantation timber, this also helps avoid forests exploitation, minimizing the threats mother earth faces. Therefore, you’re playing a part in conserving the environment when you go for wooden growth charts and avoid plastic products.
Health and Safety Benefits
Compared with other materials used to make toys for kids, wood is an all-natural and substantially safer choice. The creation of wood for toys does not rely on high amounts of chemicals that can hurt your child’s health. Don’t forget that as you never know when next your child will put their toy into their mouth.
A good case in point is when a child that’s teething tends to relieve painful gums by always putting something into their mouth. Therefore, it’s little wonder that most parents consider natural, eco-friendly products healthier for babies to put in their mouth. Wood teethers are excellent options for you as a parent.
When torn between choosing wood toys and other materials like plastic, you can consider benefits and weakness of each to make a good choice. You’ll eventually choose wood toys for safety benefits.
Coral Springs: What You Need to Consider Before Moving
Moving carries some degree of stress to families, but it can be fun and exciting as long as you are prepared and you know what to expect. A simple record keeping by writing everything down is the best way to start with so you have a plan to follow. It is best if you have anotebook or a computerized printed list of all the things you need to pack and the packing supplies and tools you will need to make the job easier. It will be easier for you to unpack on your new home if you place numbers on each box you box including the list of contents on your list. Have plenty of supplies, any way you can always return unused boxes to the moving company if you are buying boxes from them.
Use wardrobe boxes for your clothes and use tall boxes for bulky and lightweight items like pillows, comforters, and blankets. Avoid making the boxes too heavy to lift because the bottom may give way causing damages to your belongings. You can designate a color for each room like yellow for the kitchen, green for the dining room, blue for the living rooms, red for the master bedroom, and pink for the children’s bedrooms by sticking colored sticker on the boxes near the numbers. It will be easier for the movers to know where to put everything if you also place a matched sticker on the door of every room in your new home. It is also a good idea to post a big sign on the wall where you want to have the boxes stacked. Keep things together like light bulbs with lamps, bookends with books, and extension cords with appliances. For small and loose parts such as picture hooks, shelf brackets, special wrench, bolts, and screws, place them in small envelopes and attach the item to where they belong.
Packing ahead will save you time on your moving day, so pack your winter clothes if it is summer, box your extra radio, television, shampoo, toothpaste, food supplies, and other bare essentials. It is good to have a cleaning kit ready and clean anything possible ahead of time for easier and smoother transition. It is a good idea keeping your valuable possessions with you as much as possible such as your antiques, silverware, and collections in your car, or get an insurance to have them covered. It is important to keep your documents and important papers with you such as school records, birth certificates, tax returns, new job contracts, mover estimates, recent bank records, utility company numbers, phone lists, current bills, realtor info, closing papers, maps, and more. You can check info about Coral Springs moving services now through this website.
"The 40 percent off single Wyatt enjoy a good taste of life" ICBC credit card activities catering to sina finance > credit card; > promotions > text "single 40 percent off Wyatt enjoy a good taste of life" ICBC credit card activities catering to on 09 October 2016 15:05 banks: Industrial and Commercial Bank of China time: December 31, 2016 check Venue: Beijing, October 1, 2016 (Saturday) time to December 31, 2016 (Saturday) two, participate in the industrial and commercial bank card issued in Beijing area of the ICBC credit card during the three activities every week, activities, preferential in designated restaurants by ICBC POS brush ICBC credit card, the amount of a single consumer not more than 1000 yuan, enjoy the benefits of all 40 percent off single courtesy; consumption amount more than 1000 yuan, up by 400 yuan, more than 1000 yuan part Enjoy the 40 percent off discount. four, and preferential foreign official business name, restaurant offers dishes feature merchant stores address merchant ordering phone Monday gold hat Korean barbecue, chicken pot, iron chicken of Beijing Chaoyang District Wangjing Xiyuan 4 District 423 Building 2 layer Monday edomae Japanese cuisine Beijing Xicheng District City Square Street 9-6 point (Cantonese restaurant Monday cousin tea restaurant Haidian District City Fuxing Road) No. 51 Beijing Cade crystal shopping center LG layer 58 cousin Point Restaurant Monday cousin Point Restaurant (Cantonese restaurant) in Beijing City, Daxing District Zhong cool road No. 1 Building No. 1 hospital Zhuzong Vanke square 5 L5013 shop cousin point Teppanyaki restaurant Tuesday Maya cuisine Beijing Shijingshan District City, Shijingshan iron B road No. 18 Building No. 4 hospital 3 323-2 Tuesday Maya Teppanyaki cuisine in Beijing City, Daxing District Zhong iron cool road No. 1 Building No. 1 hospital 4 layer L4001-L4002 On Tuesday the Mayan Teppanyaki restaurant Beijing iron city of Fengtai District Feng Bao Road 88 Hospital No. 1 building 4 layer 468 shop Tuesday hotel restaurant Chao in Beijing City, Chaoyang District Western-style food Road No. 4 Haidian District Sichuan color feast Wednesday in Beijing city Danleng Street No. 1 ecmall shopping center B1-17 Wednesday fishing Wharf in Beijing city of Shijingshan District Ji mushroom feast on the east side of Shijingshan Senna octagonal amusement park the left bank of Lanting Pavilion street 25-4 Wednesday in Beijing City, Dongcheng District Hot pot pork trotter Hot pot Gulou East Street No. 232 (spring morning in the alley next to the hotel) Thursday can bo German beer German restaurant Beijing city Chaoyang District East Road No. 19 Liangmaqiao official diplomatic office building F109 (near subway station B port Liangmaqiao) Thursday in Beijing City, Daxing District iron temptation Teppanyaki Venus Road No. 3 Building No. 3 hospital 2 225-1 on Friday and Beijing Chaoyang District City, Hebei Hot pot furnace Tonghui road Lang Park VINTAGE No. 2 on Friday and the furnace restaurant flower see Japanese restaurant in Beijing city Xicheng District Fuwai Street No. 9 Presidential Hotel the first layer of GBC-9 and gb: “全单6折 悦享生活好滋味”工银信用卡餐饮活动 新浪财经 > 信用卡 > 优惠活动 > 正文 “全单6折 悦享生活好滋味”工银信用卡餐饮活动 2016年10月09日 15:05 活动银行：工商银行起止时间：2016年12月31日止活动地点：北京 一、活动时间 2016年10月1日（周六）至2016年12月31日（周六） 二、参与卡种 工商银行在北京地区发行的工银信用卡 三、活动内容 活动期间，逢每周优惠日在指定餐厅通过工行POS刷工银信用卡，单笔消费金额不超过1000元，惠享全单6折礼遇；消费金额超过1000元，立减400元，超过1000元部分不再享受6折优惠。 四、优惠日及餐厅 优惠日 对外正式营业名称 菜品特色 商户门店地址 商户订餐电话 周一 金草帽 韩式烤肉、鸡排锅、铁板鸡 北京市朝阳区望京西园4区423楼2层 周一 江户前 日本料理 北京西城区金城坊街9-6 周一 表妹靓点餐厅 粤菜（茶餐厅） 北京市海淀区复兴路51号凯德晶品购物中心LG层58号表妹靓点餐厅 周一 表妹靓点餐厅 粤菜（茶餐厅） 北京市大兴区忠凉路1号院1号楼住总万科广场5层L5013店铺表妹靓点餐厅 周二 玛雅铁板烧 铁板料理 北京市石景山区石景山路乙18号院4号楼3层323-2 周二 玛雅铁板烧 铁板料理 北京市大兴区忠凉路1号院1号楼4层L4001-L4002 周二 玛雅铁板烧 铁板料理 北京市丰台区丰葆路88号院1号楼4层468店铺 周二 chao酒店餐厅 西餐 北京市朝阳区工体东路4号 周三 筵色 川菜 北京市海淀区丹棱街甲1号欧美汇购物中心B1-17 周三 捞济码头 蘑菇宴 北京市石景山区八角东侧石景山游乐场塞纳左岸风情街25-4 周三 兰亭猪手火锅 猪手火锅 北京市东城区鼓楼东大街232号(春晨宾馆旁巷内) 周四 博璨德国啤酒餐厅 德式 北京市朝阳区东方东路19号亮马桥外交办公大楼官舍F109（近地铁亮马桥站B口） 周四 铁板诱惑 铁板烧 北京市大兴区金星西路3号院3号楼2层225-1 周五 日和美炉 火锅 北京市朝阳区通惠河北路郎园VINTAGE2号楼日和美炉餐厅 周五 花见 日本料理 北京市西城区阜外大街甲9号国宾酒店首层GBC-9及gbc-10 周六 洞庭鱼香 湘菜 北京市通州区嘉创路10号 周六 两岸咖啡 咖啡\西餐 北京市西城区闹市口大街临时4-13号 周日 杨家秘籍 火锅 北京市朝阳区东大桥路甲17号院 五、注意事项 1. 本活动限持卡人当日在餐厅用餐消费，持卡人刷卡购买商户充值卡或刷卡预付费不享受本活动优惠； 2. 一次就餐，不得分单刷卡消费； 3. 本优惠不与餐厅其他优惠活动同时适用； 4.使用工银二维码绑定工银信用卡支付可获赠特色菜或饮品，具体赠礼详询各店。（商户筵色不参加，融e联须绑定信用卡支付，否则无法享受6折及赠礼） 六、活动说明 1. 活动参与方式：您在指定餐厅刷指定工行卡片结账，并在活动登记簿上登记相关信息并签字。 2. 活动日期说明：本次活动每家餐厅仅在指定日期有折扣优惠。请您注意各店优惠时间。 3. 禁止分单消费的说明：一次就餐，不得分单刷卡。例如您一次就餐消费1500元，不可以分两次或两次以上刷卡结账。否则，我行及商户有权拒绝受理该笔消费结算。 4. 优惠实现方式说明：您在指定餐厅优惠日用餐后，在工行POS机上刷卡结账，工行POS机具将自动识别是否为享受6折优惠的卡片，针对优惠卡片，将自动实现折扣，餐厅开立发票金额为您的实际付款金额（POS记账金额）。例如：刷卡600元，POS刷卡自动记账360元；刷卡3000元，POS刷卡自动记账2600元；POS消费凭条会显示原消费金额和实际支付金额。 针对chao酒店餐厅，无法刷卡自动实现折扣，需要收银员为您人工打折享受优惠，特此说明。 5. 活动可能提前终止的说明：由于本次活动时间跨度较长，期间可能由于合作餐厅执行情况等原因导致本次优惠活动有变更或者提前终止。如发生活动商户、内容变更或者提前终止情况，我行将通过工行网站、商户海报等方式告知，请您见谅。 6. 参与活动提示：由于优惠期间可能就餐客人较多，为保障您的权益，节约您的宝贵时间，建议您用餐前拨打餐厅电话，确认是否有位置、及优惠是否正常执行。 欢迎发表评论 分享到:相关的主题文章：
The annual physical health examination results has been questioned for confusion in the industry to solve the key image report missing consumers questioned the test results in large U.S. health regulations provoke disputes pull in the absence of private medical institutions; the general inspection found no problems, but two months after the detection of malignant tumors in public hospitals. Recently, consumers, Ms. Zhu complained to the newspaper, their families in the health examination institutions in the United States to do a full year health examination, not detected renal lesions, but after two months in the public hospital detected right kidney, kidney cancer late. Consumers believe that there is a mistake in the process of physical examination, but the United States insists that they are innocent. Beijing Daily reporter survey found that due to the lack of critical reports of abdominal ultrasound imaging, at present, consumers in a large health and beauty only each one sticks to his argument. Physical examination results were questioned, according to Ms. Zhu’s narrative, his family in May 23, 2015 in the United States of great health carried out a price of about 1500 yuan of the whole body physical examination, including abdominal color Doppler ultrasound project. According to the results of color Doppler ultrasound examination, the right kidney of the consumer has the right size, normal shape, smooth capsule, uniform echo of renal parenchyma, no obvious separation of the collection system, and the conclusion is that the right kidney of the consumer has not been found to be obviously abnormal. However, more than two months later, in August 6, 2015, consumers found the right kidney in the Chinese Academy of Medical Sciences cancer hospital has a size of about 9.3× 5.6CM malignant tumor. Subsequently, in December 18, 2015, the patient’s condition deteriorated further, and the right renal malignant tumor developed into double lung metastasis. Ms. Zhu provided the patient’s disease diagnosis book at the Peking University Cancer Hospital, which showed that the patient was hospitalized after the diagnosis of right lung cancer and lung metastasis in May. According to the description of the disease diagnosis, according to time inference, Ms. Zhu’s family as early as May 18th already had the right kidney malignant tumor, and this just in the consumer to the United States health examination before the week. In this regard, Ms. Zhu consulted the two public hospital doctors, and got "in general terms, in two months time, right kidney cancer will not develop so big" conclusion. Therefore, Ms. Zhu believes that in the United States in the year when physical examination should be a large number of tumor characteristics appear, but the medical institutions but because of some reasons can not be detected, and therefore there is the possibility of medical institutions wrong diagnosis and treatment. Faced with the question of Ms. Zhu, the person in charge of health in the United States said that the duty of informing consumers was re examined, and the correctness of the results of the examination was maintained. The official pointed out that in the United States in a large health examination report last "inspection" column, consumers have the urine occult blood positive examination of urinary red blood cell is high, such as menstrual factors can be ruled out, please review the specialist. ". The responsible person said, urine occult blood positive, indicates that consumers may have kidney disease. Consumers get this kind of physical examination report, according to the "total inspection" results, should go to the hospital for review, so as to eliminate the hidden dangers. For the medical institutions, the obligation to inform has been done. Important evidence theory 美年大健康体检结果遭质疑 体检行业混乱待解 关键影像报告缺失 消费者质疑检测结果 美年大健康惹纠纷牵出行规缺位 在民营体检机构做了全身检查未发现问题，两个月后却在公立医院检出恶性肿瘤。近日，消费者朱女士向本报投诉称，自己的家人在体检机构美年大健康做了全项体检，未检出肾脏病变，但时隔两个月便在公立医院检出右肾肾癌晚期。消费者认为美年大健康在体检过程中存在失误，但美年大健康则坚持称自己无辜。北京商报记者调查发现，由于缺少关键的腹部彩超影像学报告，目前，消费者和美年大健康只能各执一词。 体检结果遭质疑 根据朱女士的叙述，自己的家人于2015年5月23日在美年大健康进行了价格约1500元左右的全身项目体检，其中包括腹部彩超项目。美年大健康依据彩超结果出具的体检报告显示，消费者的右肾“大小、形态正常，包膜光滑，肾实质回声均匀，集合系统未见明显分离”，并由此得出消费者右肾未发现明显异常的结论。然而时隔两个多月，2015年8月6日，消费者却在中国医学科学院肿瘤医院检出右肾有一个大小约9.3×5.6cm的恶性肿瘤。 随后，2015年12月18日，患者的病情进一步恶化，右肾恶性肿瘤演化为双肺转移。朱女士提供的患者在北京大学肿瘤医院就诊时的疾病诊断书显示，患者主因“诊断右肾癌肺转移5月后”住院的字样。依据该疾病诊断书的描述，按照时间推断，朱女士的家人最早在5月18日就已经患上了右肾恶性肿瘤，而这恰恰就在消费者去美年大健康进行体检的一周之前。 对此，朱女士咨询了上述两家公立医院的医生，并得到了“按照一般情况来讲，在两个月的时间里，右肾恶性肿瘤不会发展到这么大”的结论。因而朱女士认为，在美年大健康做体检时就应该已有肿瘤特征显现，但体检机构却因为某些原因未能检出，因而体检机构存在着诊疗有误的可能性。 面对朱女士的质疑，美年大健康相关负责人表示，已经尽到了告知消费者复检的义务，且坚持认为体检结果的正确性。该负责人指出，在美年大健康体检报告最后的“总检”一栏中，有消费者“尿隐血呈阳性，尿红细胞镜检偏高，如能排除月经因素，请专科复查”的字样。该负责人表示，尿隐血呈阳性，就表明消费者可能存在着肾脏方面的疾病。消费者在拿到这样的体检报告后，根据“总检”的结果，应该到医院进行复查，从而排除隐患。对于体检机构而言，已经尽到了告知的义务。 重要证据缺失 对于美年大健康给出的说法，朱女士并不接受。“由于家人本身就有左肾错构瘤这一疾病，因此对于尿隐血的症状也并没有在意。问题在于美年大健康并没有在体检过程中告知我们，除了病人已知的左肾病变外，右肾也可能存在问题，从而引发了尿隐血呈阳性的结果。” 北京商报记者在消费者提供的美年大健康体检报告单中看到，总检一栏明确标注着“右肾未见明显异常”。 同时，对于朱女士提到的右肾肿瘤发展速度的问题，北京商报记者咨询了北京某知名三甲医院的肾科医生，该医生表示，从理论上来讲，在两个月的时间内，肾脏部位的肿瘤从零发展到9.3cm大小的几率非常小，但是不排除有这种可能。 此外，该医生指出，如果美年大健康想要证明自己的体检结果无误，就应该提供腹部彩超的影像学报告。这样，从图像上就能更为明显地看到做检查时消费者的右肾部位是否已有病变。如果影像学显示已有病变产生，那么美年大健康就确实负有检查失误的责任。从目前体检报告的通篇文字性表述上来看，患者的右肾在检查时没有检出问题，但不排除美年大健康等体检机构存在人员因相关资质不足，从而出现误诊的可能性。 对此，北京商报记者向美年大健康相关负责人提出诉求，希望能看到消费者的腹部彩超影像学报告，但却未能如愿。美年大健康相关负责人表示，由于体检中心未配备影像学工作站，因此所有消费者的影像学报告都无法提供。 “美年大健康是2011年由美年健康产业有限公司和大健康科技健康管理有限公司合并而成的，在合并之前，北京美年的发展并不好，所以在某些非必需支付的成本上能省就省。”美年大健康相关负责人解释称。 业内人士告诉北京商报记者，由于B超机只能保存很少量的图像资料，国家要求所有的公立医院必须配备影像学工作站进行素材保存。也就是说，患者在进行B超检查后，可以通过影像学工作站拿到检查结果的影像学图像，这样既便于医生进行诊断，也有利于备案。但是由于影像学工作站成本很高，政策上也未要求体检机构必须配备，因此很多体检机构都没有影像学工作站。 由于重要证据的缺失，消费者与美年大健康之间陷入了罗生门。对此，朱女士很无奈，“没有影像学的报告，既不能证明我的家人在5月体检时已有肿瘤，也不能咬定美年大健康诊断失误，责任无法划分，只能自认倒霉”。 北京市律师协会消费者权益法律事务专业委员会主任邱宝昌向北京商报记者表示，如果朱女士能够提供切实有力的证据，可以通过法律途径进行维权。 行业混乱待解 目前，中国体检市场上民营体检机构和公立医院并存。从市场格局来看，公立体检中心依然占据着体检行业80%以上的市场份额，民营体检机构所占的市场份额不到20%。据《2013年中国卫生统计年鉴》数据显示，2012年我国的健康体检人次达到3.71亿。近年来，我国健康体检产业增速维持在20%以上，2013年全国体检市场规模达到590亿元，据美国Forst&Sullivan估算，2018年中国体检市场规模将达1886亿元。然而，巨大的体检需求催生了体检市场广阔的前景，却也暗藏种种不规范的弊端。 北京鼎臣医药咨询中心负责人史立臣告诉北京商报记者，民营体检机构之所以市场份额占有率小，与消费者认可度低有很大关系。“很多民营体检机构为了降低成本，会使用医院淘汰的检测设备，这是行业内秘而不宣但众所周知的事。一般来讲，普通消费者都会选择在公立医院进行体检，民营体检机构面对的主要是团体体检，比如一些单位要求的员工入职体检，而单位选择民营体检机构主要的原因是因为费用相对便宜。” 史立臣同时指出，由于国家对于民营体检机构缺乏政策上的标准，体检机构医生的编制、医疗水平和资质也参差不齐，这直接导致民营体检机构钻政策的空子，体检结果无法真实反映消费者自身的疾病隐患，且消费者维权困难的现状。 北京商报记者 钱瑜 王潇立 进入【新浪财经股吧】讨论相关的主题文章：