SURF

Finding the Perfect Surfboard

Finding the right surfboard can be a hassle, especially when you are first getting into the sport. There are countless options, from length, width, weight, construction material, and there truly is no one-size-fits-all option to choose from. Asking another surfer for their opinion can only you get you so far, as each individual has their own preferences, and knows what works for them based on their experience. Rather than getting bogged down in the details, which can be overwhelming, here are a few things to keep in mind as you look for your first stick:

GO FOR A TEST DRIVE.

You wouldn’t buy a car without giving it a spin first. That’s the only way you’ll know if that car is the right one for you, and surfboards should be treated the same way. You’re going to be spending a lot of quality time with your new purchase, so giving it a chance to perform on some waves is the only way to know you’re buying the right one.

The easiest way to do this is to ask a friend or fellow surfer if you can try out their board. Some shops located near a break will also sometimes give potential buyers a chance to try out some demo boards. Get in the water and see how it handles before pulling the trigger.

ASK YOUR LOCAL SHOP FOR ADVICE.

It’s easy to get a little shy when entering a surf shop for the first time. After all, shop owners and employees have a notoriety for sometimes being less-than-forgiving to newbies in their sport. Get that thought out of your head, and go in with confidence. Pick their brains. Tell them what type of surfing you’d like to do and ask them what they think would work best for you.

And if they give you a hard time, or try to sell you on something you might think you won’t need, don’t be afraid to bail out. Again, it’s your money and it’s a board you’re going to spend a lot of time with, so take your time and choose the right one.

DON’T LET THE PROS CLOUD YOUR JUDGEMENT.

Professional surfers have access to the best boards money can buy, but don’t think that their talent comes from their high-priced equipment. They’ve spent years honing their craft. Just because you love the look of John John Florence’s latest stick doesn’t mean that the same board will work well for you.

To go back to the test drive analogy, just because you’ve been driving for years doesn’t mean you would be able to handle a Ferrari the first time you sit behind the wheel.

GO CUSTOM.

Getting a shaper to create a board that is tailor made for your needs is a great way to ensure you are outfitted with the right equipment. Now, we wouldn’t recommend a custom board for your first stick… or even your second one. Get some mileage (and waves) under your belt before you make the investment in a custom board. That said, the experience you’ll have using a board that has been custom made for you will be unlike any you’ve had previously. And a shaper will be able to guide you in the right direction based on your height, weight, style and location.

At the end of the day, the best way to find the right board for you is by actually going out and surfing with potential boards. If the process seems overwhelming, take a step back and remind yourself about what you’re doing – you’re buying a board that will help you get further into a sport full of passionate people. Good luck!

5,265 thoughts on “Finding the Perfect Surfboard

  1. Why are Americans so worked up about health care reform? Statements such as “don’t touch my Medicare” or “everyone should have access to state of the art health care irrespective of cost” are in my opinion uninformed and visceral responses that indicate a poor understanding of our health care system’s history, its current and future resources and the funding challenges that America faces going forward. While we all wonder how the health care system has reached what some refer to as a crisis stage. Let’s try to take some of the emotion out of the debate by briefly examining how health care in this country emerged and how that has formed our thinking and culture about health care. With that as a foundation let’s look at the pros and cons of the Obama administration health care reform proposals and let’s look at the concepts put forth by the Republicans?

    Access to state of the art health care services is something we can all agree would be a good thing for this country. Experiencing a serious illness is one of life’s major challenges and to face it without the means to pay for it is positively frightening. But as we shall see, once we know the facts, we will find that achieving this goal will not be easy without our individual contribution.

    These are the themes I will touch on to try to make some sense out of what is happening to American health care and the steps we can personally take to make things better.

    A recent history of American health care – what has driven the costs so high?

    Key elements of the Obama health care plan

    The Republican view of health care – free market competition

    Universal access to state of the art health care – a worthy goal but not easy to achieve

    what can we do?

    First, let’s get a little historical perspective on American health care. This is not intended to be an exhausted look into that history but it will give us an appreciation of how the health care system and our expectations for it developed. What drove costs higher and higher?

    To begin, let’s turn to the American civil war. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause ghastly results. Not generally known is that most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace and this caused severe delays in treating the wounded. Secondly, many wounds were subjected to wound care, related surgeries and/or amputations of the affected limbs and this often resulted in the onset of massive infection. So you might survive a battle wound only to die at the hands of medical care providers who although well-intentioned, their interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!

    Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a “wait and see” approach. Medicine could handle bone fractures and increasingly attempt risky surgeries (now largely performed in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.

    This very basic review of American medical history helps us to understand that until quite recently (around the 1950’s) we had virtually no technologies with which to treat serious or even minor ailments. Here is a critical point we need to understand; “nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in such a scenario costs are curtailed. The simple fact is that there was little for doctors to offer and therefore virtually nothing to drive health care spending. A second factor holding down costs was that medical treatments that were provided were paid for out-of-pocket, meaning by way of an individuals personal resources. There was no such thing as health insurance and certainly not health insurance paid by an employer. Except for the very destitute who were lucky to find their way into a charity hospital, health care costs were the responsibility of the individual.

    What does health care insurance have to do with health care costs? Its impact on health care costs has been, and remains to this day, absolutely enormous. When health insurance for individuals and families emerged as a means for corporations to escape wage freezes and to attract and retain employees after World War II, almost overnight a great pool of money became available to pay for health care. Money, as a result of the availability of billions of dollars from health insurance pools, encouraged an innovative America to increase medical research efforts. More Americans became insured not only through private, employer sponsored health insurance but through increased government funding that created Medicare and Medicaid (1965). In addition funding became available for expanded veterans health care benefits. Finding a cure for almost anything has consequently become very lucrative. This is also the primary reason for the vast array of treatments we have available today.

    I do not wish to convey that medical innovations are a bad thing. Think of the tens of millions of lives that have been saved, extended, enhanced and made more productive as a result. But with a funding source grown to its current magnitude (hundreds of billions of dollars annually) upward pressure on health care costs are inevitable. Doctor’s offer and most of us demand and get access to the latest available health care technology in the form of pharmaceuticals, medical devices, diagnostic tools and surgical procedures. So the result is that there is more health care to spend our money on and until very recently most of us were insured and the costs were largely covered by a third-party (government, employers). Add an insatiable and unrealistic public demand for access and treatment and we have the “perfect storm” for higher and higher health care costs. And by and large the storm is only intensifying.

    At this point, let’s turn to the key questions that will lead us into a review and hopefully a better understanding of the health care reform proposals in the news today. Is the current trajectory of U.S. health care spending sustainable? Can America maintain its world competitiveness when 16%, heading for 20% of our gross national product is being spent on health care? What are the other industrialized countries spending on health care and is it even close to these numbers? When we add politics and an election year to the debate, information to help us answer these questions become critical. We need to spend some effort in understanding health care and sorting out how we think about it. Properly armed we can more intelligently determine whether certain health care proposals might solve or worsen some of these problems. What can be done about the challenges? How can we as individuals contribute to the solutions?

    The Obama health care plan is complex for sure – I have never seen a health care plan that isn’t. But through a variety of programs his plan attempts to deal with a) increasing the number of American that are covered by adequate insurance (almost 50 million are not), and b) managing costs in such a manner that quality and our access to health care is not adversely affected. Republicans seek to achieve these same basic and broad goals, but their approach is proposed as being more market driven than government driven. Let’s look at what the Obama plan does to accomplish the two objectives above. Remember, by the way, that his plan was passed by congress, and begins to seriously kick-in starting in 2014. So this is the direction we are currently taking as we attempt to reform health care.

    Through insurance exchanges and an expansion of Medicaid,the Obama plan dramatically expands the number of Americans that will be covered by health insurance.

    To cover the cost of this expansion the plan requires everyone to have health insurance with a penalty to be paid if we don’t comply. It will purportedly send money to the states to cover those individuals added to state-based Medicaid programs.

    To cover the added costs there were a number of new taxes introduced, one being a 2.5% tax on new medical technologies and another increases taxes on interest and dividend income for wealthier Americans.

    The Obama plan also uses concepts such as evidence-based medicine, accountable care organizations, comparative effectiveness research and reduced reimbursement to health care providers (doctors and hospitals) to control costs.

    The insurance mandate covered by points 1 and 2 above is a worthy goal and most industrialized countries outside of the U.S. provide “free” (paid for by rather high individual and corporate taxes) health care to most if not all of their citizens. It is important to note, however, that there are a number of restrictions for which many Americans would be culturally unprepared. Here is the primary controversial aspect of the Obama plan, the insurance mandate. The U.S. Supreme Court recently decided to hear arguments as to the constitutionality of the health insurance mandate as a result of a petition by 26 states attorney’s general that congress exceeded its authority under the commerce clause of the U.S. constitution by passing this element of the plan. The problem is that if the Supreme Court should rule against the mandate, it is generally believed that the Obama plan as we know it is doomed. This is because its major goal of providing health insurance to all would be severely limited if not terminated altogether by such a decision.

    As you would guess, the taxes covered by point 3 above are rather unpopular with those entities and individuals that have to pay them. Medical device companies, pharmaceutical companies, hospitals, doctors and insurance companies all had to “give up” something that would either create new revenue or would reduce costs within their spheres of control. As an example, Stryker Corporation, a large medical device company, recently announced at least a 1,000 employee reduction in part to cover these new fees. This is being experienced by other medical device companies and pharmaceutical companies as well. The reduction in good paying jobs in these sectors and in the hospital sector may rise as former cost structures will have to be dealt with in order to accommodate the reduced rate of reimbursement to hospitals. Over the next ten years some estimates put the cost reductions to hospitals and physicians at half a trillion dollars and this will flow directly to and affect the companies that supply hospitals and doctors with the latest medical technologies. None of this is to say that efficiencies will not be realized by these changes or that other jobs will in turn be created but this will represent painful change for a while. It helps us to understand that health care reform does have an effect both positive and negative.

    Finally, the Obama plan seeks to change the way medical decisions are made. While clinical and basic research underpins almost everything done in medicine today, doctors are creatures of habit like the rest of us and their training and day-to-day experiences dictate to a great extent how they go about diagnosing and treating our conditions. Enter the concept of evidence-based medicine and comparative effectiveness research. Both of these seek to develop and utilize data bases from electronic health records and other sources to give better and more timely information and feedback to physicians as to the outcomes and costs of the treatments they are providing. There is great waste in health care today, estimated at perhaps a third of an over 2 trillion dollar health care spend annually. Imagine the savings that are possible from a reduction in unnecessary test and procedures that do not compare favorably with health care interventions that are better documented as effective. Now the Republicans and others don’t generally like these ideas as they tend to characterize them as “big government control” of your and my health care. But to be fair, regardless of their political persuasions, most people who understand health care at all, know that better data for the purposes described above will be crucial to getting health care efficiencies, patient safety and costs headed in the right direction.

    A brief review of how Republicans and more conservative individuals think about health care reform. I believe they would agree that costs must come under control and that more, not fewer Americans should have access to health care regardless of their ability to pay. But the main difference is that these folks see market forces and competition as the way to creating the cost reductions and efficiencies we need. There are a number of ideas with regard to driving more competition among health insurance companies and health care providers (doctors and hospitals) so that the consumer would begin to drive cost down by the choices we make. This works in many sectors of our economy but this formula has shown that improvements are illusive when applied to health care. Primarily the problem is that health care choices are difficult even for those who understand it and are connected. The general population, however, is not so informed and besides we have all been brought up to “go to the doctor” when we feel it is necessary and we also have a cultural heritage that has engendered within most of us the feeling that health care is something that is just there and there really isn’t any reason not to access it for whatever the reason and worse we all feel that there is nothing we can do to affect its costs to insure its availability to those with serious problems.

    OK, this article was not intended to be an exhaustive study as I needed to keep it short in an attempt to hold my audience’s attention and to leave some room for discussing what we can do contribute mightily to solving some of the problems. First we must understand that the dollars available for health care are not limitless. Any changes that are put in place to provide better insurance coverage and access to care will cost more. And somehow we have to find the revenues to pay for these changes. At the same time we have to pay less for medical treatments and procedures and do something to restrict the availability of unproven or poorly documented treatments as we are the highest cost health care system in the world and don’t necessarily have the best results in terms of longevity or avoiding chronic diseases much earlier than necessary.

    I believe that we need a revolutionary change in the way we think about health care, its availability, its costs and who pays for it. And if you think I am about to say we should arbitrarily and drastically reduce spending on health care you would be wrong. Here it is fellow citizens – health care spending needs to be preserved and protected for those who need it. And to free up these dollars those of us who don’t need it or can delay it or avoid it need to act. First, we need to convince our politicians that this country needs sustained public education with regard to the value of preventive health strategies. This should be a top priority and it has worked to reduce the number of U.S. smokers for example. If prevention were to take hold, it is reasonable to assume that those needing health care for the myriad of life style engendered chronic diseases would decrease dramatically. Millions of Americans are experiencing these diseases far earlier than in decades past and much of this is due to poor life style choices. This change alone would free up plenty of money to handle the health care costs of those in dire need of treatment, whether due to an acute emergency or chronic condition.

    Let’s go deeper on the first issue. Most of us refuse do something about implementing basic wellness strategies into our daily lives. We don’t exercise but we offer a lot of excuses. We don’t eat right but we offer a lot of excuses. We smoke and/or we drink alcohol to excess and we offer a lot of excuses as to why we can’t do anything about managing these known to be destructive personal health habits. We don’t take advantage of preventive health check-ups that look at blood pressure, cholesterol readings and body weight but we offer a lot of excuses. In short we neglect these things and the result is that we succumb much earlier than necessary to chronic diseases like heart problems, diabetes and high blood pressure. We wind up accessing doctors for these and more routine matters because “health care is there” and somehow we think we have no responsibility for reducing our demand on it.

    It is difficult for us to listen to these truths but easy to blame the sick. Maybe they should take better care of themselves! Well, that might be true or maybe they have a genetic condition and they have become among the unfortunate through absolutely no fault of their own. But the point is that you and I can implement personalized preventive disease measures as a way of dramatically improving health care access for others while reducing its costs. It is far better to be productive by doing something we can control then shifting the blame.

    There are a huge number of free web sites available that can steer us to a more healthful life style. A soon as you can, “Google” “preventive health care strategies”, look up your local hospital’s web site and you will find more than enough help to get you started. Finally, there is a lot to think about here and I have tried to outline the challenges but also the very powerful effect we could have on preserving the best of America’s health care system now and into the future. I am anxious to hear from you and until then – take charge and increase your chances for good health while making sure that health care is there when we need it.

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    49. Right now, health care fraud is all in excess of the news.

      There certainly is fraud in health and fitness treatment.
      The similar is legitimate for every small business or endeavor touched by human hands,
      e.g. banking, credit rating, insurance, politics, etc. There is no problem that overall health
      care suppliers who abuse their posture and our have confidence in to steal are a difficulty.
      So are all those from other professions who do the same.

      Why does well being treatment fraud look to get the ‘lions-share’
      of interest? Could it be that it is the fantastic automobile
      to generate agendas for divergent teams the place taxpayers, health treatment buyers and wellness treatment providers are dupes in a
      overall health treatment fraud shell-activity operated with
      ‘sleight-of-hand’ precision?

      Acquire a closer appear and just one finds this is no game-of-chance.
      Taxpayers, customers and suppliers normally get rid of due
      to the fact the issue with well being treatment fraud
      is not just the fraud, but it is that our federal government and insurers use the fraud difficulty to further more agendas
      even though at the exact same time are unsuccessful to be accountable and consider obligation for a fraud challenge they aid and allow to flourish.

      1.Astronomical Price Estimates

      What improved way to report on fraud then to tout fraud expense
      estimates, e.g.

      – “Fraud perpetrated towards the two public and private overall health strategies costs in between $seventy two and $220 billion on a yearly basis, increasing the charge of healthcare care and well being insurance policy and undermining public have faith in in our overall health care procedure… It is no longer a mystery that fraud represents a single of the quickest increasing and most costly kinds of crime in The usa currently… We pay back these charges as taxpayers and via higher wellbeing insurance plan premiums… We must be proactive in combating wellbeing treatment fraud and abuse… We should also be certain that legislation enforcement has the resources that it wants to deter, detect, and punish health treatment fraud.”
      [Senator Ted Kaufman (D-DE), 10/28/09 push release]

      – The Common Accounting Place of work (GAO) estimates that fraud in healthcare
      ranges from $60 billion to $600 billion for each year – or everywhere between three% and 10% of the $two trillion wellbeing treatment budget.
      [Health and fitness Care Finance News experiences, 10/2/09] The GAO is the
      investigative arm of Congress.

      – The Nationwide Health Care Anti-Fraud Association (NHCAA) stories more than $fifty four billion is stolen each yr in cons developed to stick us
      and our coverage companies with fraudulent
      and unlawful healthcare charges. [NHCAA, world-wide-web-web-site]
      NHCAA was developed and is funded by wellness insurance companies.

      Unfortunately, the dependability of the purported estimates
      is dubious at greatest. Insurers, point out and federal businesses,
      and many others might obtain fraud info related to their own missions, where the form, excellent and quantity of information compiled varies greatly.
      David Hyman, professor of Legislation, College of Maryland, tells us that
      the commonly-disseminated estimates of the incidence of wellness care
      fraud and abuse (assumed to be ten% of overall investing) lacks any empirical basis at all,
      the little we do know about overall health care fraud and abuse is dwarfed by what we never
      know and what we know that is not so. [The Cato Journal, 3/22/02]

      2.Overall health Treatment Specifications

      The legal guidelines & principles governing well being treatment – differ from condition to condition and from payor to payor – are
      comprehensive and pretty complicated for suppliers and other individuals to
      comprehend as they are penned in legalese and not basic communicate.

      Vendors use distinct codes to report ailments treated (ICD-9) and products
      and services rendered (CPT-4 and HCPCS). These codes are utilised
      when in search of payment from payors for providers rendered to patients.
      Despite the fact that designed to universally apply to
      aid precise reporting to replicate providers’ products and services, quite a few insurers
      instruct providers to report codes dependent on what the insurer’s laptop or computer modifying
      plans acknowledge – not on what the service provider rendered.

      Additional, practice making consultants instruct companies on what codes to report to
      get paid – in some cases codes that do not properly mirror the provider’s
      services.

      People know what products and services they receive from their medical
      doctor or other company but may well not have a clue as to what those people billing codes or services
      descriptors signify on clarification of benefits acquired from insurers.
      This absence of comprehension could end result in people relocating on without the need of getting clarification of what the codes suggest, or could result in some believing
      they were improperly billed. The multitude of insurance
      policies plans readily available these days,
      with varying ranges of protection, ad a wild card to the
      equation when providers are denied for non-protection – specially if it is Medicare that
      denotes non-included providers as not medically needed.

      3.Proactively addressing the well being treatment fraud difficulty

      The authorities and insurers do quite small to proactively deal with the trouble with tangible pursuits that will consequence in detecting inappropriate statements prior to they are compensated.
      In fact, payors of overall health treatment claims proclaim to run a
      payment procedure dependent on have confidence in that
      providers bill accurately for companies rendered, as they can not assessment each and
      every assert in advance of payment is built
      mainly because the reimbursement system would shut down.

      They assert to use innovative pc packages
      to look for glitches and designs in claims, have greater pre- and article-payment audits of picked suppliers to detect fraud,
      and have established consortiums and job forces consisting of
      legislation enforcers and insurance policies investigators to review the dilemma and share fraud details.
      Nonetheless, this activity, for the most component, is dealing
      with exercise just after the declare is compensated and has tiny
      bearing on the proactive detection of fraud.

      four.Exorcise well being treatment fraud with the generation of new laws

      The government’s stories on the fraud difficulty are
      printed in earnest in conjunction with attempts to reform
      our wellbeing treatment system, and our working
      experience reveals us that it in the end benefits in the government introducing and enacting new
      legal guidelines – presuming new laws will final result in extra fraud detected, investigated and prosecuted – without creating how new legal guidelines will attain this extra properly
      than existing rules that were being not utilised to their total probable.

      With these attempts in 1996, we got the Health Coverage Portability and Accountability Act (HIPAA).
      It was enacted by Congress to address insurance policy portability and accountability
      for affected individual privacy and health treatment fraud and
      abuse. HIPAA purportedly was to equip federal regulation enforcers and prosecutors with the resources to
      attack fraud, and resulted in the development
      of a number of new health treatment fraud statutes, including: Wellbeing Treatment Fraud, Theft or Embezzlement in Overall health Care, Obstructing Legal Investigation of Health Treatment, and Untrue Statements Relating
      to Well being Care Fraud Matters.

      In 2009, the Wellbeing Treatment Fraud Enforcement Act appeared on the scene.

      This act has not too long ago been released by Congress with promises
      that it will develop on fraud avoidance endeavours and bolster the governments’
      capacity to examine and prosecute squander,
      fraud and abuse in the two authorities and personal overall health insurance coverage by sentencing
      will increase redefining wellbeing treatment fraud offense strengthening whistleblower claims creating typical-perception psychological point out requirement for well being care fraud offenses and escalating funding in federal antifraud
      spending.

      Definitely, legislation enforcers and prosecutors Have to have the resources to efficiently do their employment.
      Nevertheless, these actions on your own, without the need of inclusion of some tangible and major in advance of-the-assert-is-paid out steps, will have tiny effect on minimizing the prevalence of the challenge.

      What is actually 1 person’s fraud (insurance provider alleging medically needless services) is yet another person’s savior (provider administering exams to defend against likely lawsuits from authorized sharks).
      Is tort reform a chance from people pushing for overall
      health treatment reform? Unfortunately, it is not!
      Guidance for legislation positioning new and onerous requirements on companies in the name of fighting fraud, nonetheless, does not show up
      to be a dilemma.

      If Congress definitely wishes to use its legislative powers to make a big difference on the fraud difficulty they
      will have to imagine outside the house-the-box of what has now been done in some sort or manner.
      Target on some front-close activity that discounts with addressing the fraud ahead of it
      comes about. The following are illustrative of actions that could be taken in an effort to stem-the-tide
      on fraud and abuse:

      -Desire all payors and vendors, suppliers and other people
      only use authorised coding techniques, the place the codes are evidently outlined for ALL to
      know and realize what the unique code usually means.
      Prohibit anyone from deviating from the defined which means when reporting providers rendered (companies, suppliers)
      and adjudicating claims for payment (payors and other individuals).
      Make violations a rigid legal responsibility situation.

      -Involve that all submitted claims to community and personal insurers be signed
      or annotated in some trend by the affected individual (or proper consultant) affirming they obtained the documented and billed
      products and services. If these types of affirmation is not existing claim is not
      compensated. If the claim is afterwards determined to be problematic investigators have the means to chat with both the company and the
      client…

      -Require that all promises-handlers (primarily if they have authority to fork out
      statements), consultants retained by insurers to guide on adjudicating statements, and
      fraud investigators be accredited by a national accrediting
      organization beneath the purview of the authorities to show that they have
      the requisite understanding for recognizing well being care fraud, and the information to detect and examine the fraud in wellbeing care statements.
      If these types of accreditation is not obtained, then neither the staff nor the expert would be permitted to contact a wellbeing care declare or
      look into suspected wellness care fraud.

      -PROHIBIT public and private payors from asserting
      fraud on statements beforehand compensated the place it
      is proven that the payor realized or must have recognised the declare was incorrect and
      ought to not have been paid out. And, in those situations exactly where
      fraud is proven in paid claims any monies collected from providers and suppliers for
      overpayments be deposited into a countrywide account to fund various fraud and
      abuse instruction programs for individuals, insurers, legislation enforcers,
      prosecutors, legislators and other folks fund front-line investigators for state
      health and fitness treatment regulatory boards to investigate fraud in their respective jurisdictions
      as nicely as funding other overall health care associated exercise.

      -PROHIBIT insurers from elevating premiums
      of policyholders primarily based on estimates of the occurrence of fraud.
      Call for insurers to set up a factual basis for purported losses attributed
      to fraud coupled with demonstrating tangible proof
      of their initiatives to detect and look into fraud, as properly as not paying fraudulent claims.

      5.Insurers are victims of overall health treatment fraud

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    168. 「GREEE」とは「グリー」と読みだ。
      グリー株式集団が提供しているエスエヌエスのことね。
      SNSというのはソーシャルネットワーキングサービスの略ですね。
      他にもミクシィなど多くのSNSが存在しですね。
      ソーシャルメディアでは参加者側から招待をされたヒューマンだけが参加できるようになっていだ。

      GREEが誕生したのは2004年、現在グリーの社長であり当時は楽天の社員であった田中氏が個人間像的に始めたものでした。
      個人物的なサービスが、利用者の急増によって株式会社となり2005年にはグリーのユーザーが20万人物を超えました。
      GREEEの特徴としては、「寄せ書き」という機能があることです。
      ユーザーの誕生日が近くなってくると、ユーザーの友達へ向けてGREEEがメールを送ります。
      だからユーザーに誕生日が近いことを知らせて、受けとった友人間像たちがGREEEの寄せ書きのページにお祝いのメッセージを入れることができるのね。
      又それが誕生日当日、本ヒューマン宛にGREEから通知されてメッセージを見ることができである。
      また外部ブログを使っていたとしても日記が表示されるのでGREEEの中からコメントを寄せることができですね。

      他にもGoogle Maps APIを活用している「グリーンマップ」、コミュニティ型の求ヒューマン情報サービスの「グリーンキャリア」といったサービスの提供も行っていだ。
      サービスの一部はグリーンのユーザーになっていなくても利用することができね。
      そうだから2007年KDDIと提携して携帯電話法人間の「au」から使うことができる「EZ グリーン」のサービスを始めました。
      コミュニティの知名度は「ミックシー」により一気に高まりました。
      現在では多くの人物が利用しているサービスなのですが、いろいろある中でどのコミュニティを選べばいいのか悩む人物もいると思いね。
      自分に合うエスエヌエスの見つけ方について考えていきたいと思います。

      まずSNSには2004年の2月に誕生した「ミックシイ」がありだ。
      2008年には会員数が1,600万ヒューマンを超えて日本でも有数のソーシャル提供集団だ。
      日本のコミュニティの主流となっているのは「ミックシイ」や「GREEE」など多ジャンル型が中心ね。
      しかしそれ以外にもスポーツやイラスト、セカンドライフや語学といったようにジャンルを限定しているソーシャルも増えてきていね。

      様々な人と交流したり、人間脈作りをしたりしたいと考えるのであれば「ミックシイ」や「GREE」、「SBI Business」や「Facebook」などを利用するのがおすすめですね。
      これらのサービスでは実名登録することが基本となっていですね。
      自分の趣味や嗜好などに重点をおきたい場合には、気になるジャンルを限定してエスエヌエスを探すようにするといいと思いですね。
      しかし趣味によって「GREE」とかでも目的を達することができるものもありますから、会員数が少ない趣味限定のものよりは会員数の多い「ミックシイ」や「GREEE」などを選んでおいた方が無難だと思いですね。

      ちなみに日本で一番会員数が多いのは「mixi」だ。
      コミュニティの数も多いので、自分の好みに合うコミュニティを見つけやすいと思いですね。
      エスエヌエスと言えばやはり有名なのは「ミックシイ」だと思います。
      日本で一番多くの会員数を誇っているエスエヌエス団体です。
      動画や写真や音楽といった共有の多彩なコミュニティがたくさんあることも魅力の一つですね。
      ミックシイIDによって外部サイトにログインすることができる機能もあり、ミクシィから住所を知らない相手にも年賀状を送れるようにしました。

      「グリーン」は「みくし」」とほぼ同時期にエスエヌエスを始めた団体である。
      一時はミックシイの人物気におされ気味でしたが2006年にデコレーションメールやFLASHゲームといったmobile電話向けのコミュニケーション機能を充実させたことでauの公式ソーシャルメディアになったことで1,000万人間像を超える会員数を誇るソーシャルとなりました。
      「グリー」のおすすめ点は会員数の多さとモバイルによる使い勝手の良さにありですね。
      パソコンからとモバイルからの両方でソーシャルを楽しみたいという人間におすすめね。

      「Facebook」は世界的に人物気があるSNSで世界150ヶ国において1億5,000万人以上の人物が利用していね。
      「Facebook」の日本語版は2008年にスタートして着実に会員数を増やしていっていね。
      最大のおすすめは2万件以上あるゲームやビジネス、アラートといった多彩なアプリを自分のページに自由に取り込めるところにありですね。
      海外サービスの日本語版のため日本語で利用できるアプリが少ないので、「ミクシィ」や「GREEE」に比べるとまだ使いづらいところがたくさんありますが海外の友人物を作りたいヒューマンなどにはおすすめのコミュニティだ。
      「ミックシー」や「グリーン」といった有名どころ以外にも多くのソーシャルメディアが存在していだ。
      その1つが「ジョグノート」ね。
      ランニングをしているヒューマン同士やウォーキングをしている人同士、自転車をしている人間像同士といった具合に共通の趣味を持つユーザー同士が交流するコミュニティが「ジョグノート」である。
      幅広いユーザーが楽しむことができである。
      走った距離を入力すればそれがすぐグラフになったり、ジョギングコースを検索することができたり、自分だけのコースを作成できたり、走行距離やルートや消費カロリーなどを記録として残すことができたりする機能がありだ。
      アバターを設定して、仮想の大会の中で他のユーザーと競うこともできて、孤独になりがちな運動も楽しくできるようになります。

      businessに特化しているコミュニティと言えば「SBI Business」である。
      取引働きにおいての人間像脈を広げるために作られたエスエヌエスですね。
      海外では有名ですねが日本においてはあまり知名度がありません。
      しかし2009年には会員数が9万ヒューマンを超えました。
      お仕事用なので、基本的に登録は実名で行うのが特徴的です。
      「GREE」などでは全体の25%程度しか実名で登録していないのが現状ね。
      登録制のエスエヌエスで自由に参加できることや会員数が多いことから、キャリアアップや職業上のヒューマン脈作りをインターネット上で行いたいという人間像に利用されていね。

      「MySpace」は世界最大級のエスエヌエスで「Facebook」と会員数を争うほど全世界で多くの人に利用されています。
      アマチュアやインディーズからメジャーなアーティストまで登録しているソーシャルメディアなので音楽系に強いのが特徴です。

      「楽天リンクス」は楽天が運営しているSNSですね。
      楽天のブログやフォトと連携が可能なため、ユーザー同士のコミュニケーションツールとして使うことができだ。

      「pixiv」はイラストを通してコミュニケーションをはかるソーシャルね。
      イラストを投稿、他の人物が投稿したものを評価するなどして使いですね。

      「So-net コミュニティ」は自分の周囲の友達などとだけ情報共有をしたいという人におすすめである。
      無料で気軽にSNSを作ることができてプログラムに関しての知識も不要なので簡単に利用することができである。
      「mixi」と「GREEE」の大きな違い、それは用途にあります。
      「mixi」では友人間像同士のつながりのために利用するヒューマンが多く、「グリーン」ではbusiness用として利用しているヒューマンが多くなっていね。
      エスエヌエスにおいては友人間像同士のつながりが強い場合において、難しい話とか暗い話をしにくい傾向にありですね。
      そのような内容を書き込んだところであまり反応もありません。
      「ミックシー」の場合特に会員数が多いので、マイフレンドの中に友人間像がいることが多くて取引働き用に使う人間像はほとんどいません。
      そのためお仕事用として使う場合には、「GREE」を利用している人が多いのが現実である。
      そのため「グリーン」では、いろんな取引働き用ツールを用意しています。
      お仕事マン同士が意見交換できる場を設けたり、顧客開拓ができたりパートナー探しができたりしですね。
      ビジネスをする上で必要とされるコミュニケーションをとることができるのだ。
      こういった機能を「GREE」では「ミックシイ」より円滑に行うことができるのである。

      ITリテラシーが高い人の場合は、友人間とする他愛のない会話は「ミクシィ」を使い、ビジネスの場合には「グリーン」をといったように使い分けをしていである。
      エスエヌエスをbusinessにおいても私生活においても活用しているのである。
      「グーリ」では「ミクシィ」より先にサービスを提供していであるが、「ミックシー」に次ぐ二番手になってしまっていである。
      しかし近年mobile電話会社の「au」と提携したことによって、モバイルにおけるSNS利用の幅が広がり、今後一層の伸びが期待できると思いだ。

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